You have the right to make a complaint at any time to the Information Commissioner’s Office (ICO), the UK supervisory authority for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance. It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us.
2. Who We Are
2.1 Here are the details that the Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regards to the processing of personal data and on the free movement of such data, known as General Data Protection Regulation (GDPR) says we have to give you as a ‘data controller’:
– Our Website address is www.finmo.co.uk
– Our company name is Finmo Ltd
– Our registered address is Founders Factory, Northcliffe House, Young Street, London W8 5EH
3. Our data protection principles
3.1 We use the personal data you provide for your benefit when using the Website and our Services. We do not sell this data to third parties
3.2 We track how you use the Website, but we do this to improve and personalise your experience
3.3 Any time we reuse your personal data, we do this so that you do not need to provide the same information twice
3.4 If we use suppliers to help provide you with the Services, we restrict how they can use the data, and ensure that they have to comply with European data protection rules
3.5 If you provide us with contact information over the Website and through the use of our Services, you will be asked to tick to confirm that we can upload this information to your profile on the Website. We will only use that contact information to get in touch with you to discuss how we can improve or extend our Services. If you do not tick ‘yes’ to this, please understand that this means we may not be able to provide the Services to you in the best way possible.
3.6 Remember that you control the data we hold on you:
(a) you decide which banks to connect to the Services and the Website;
(b) you can disconnect a bank at any time, and this will stop data transferring (and all data previously exchanged will be deleted);
(c) you can delete your account with us, and we will delete all the personal data we have on you;
(d) you can disable cookies on the Website if you do not want us to personalise your experience on the Website.
4. What personal data may we collect from you?
4.1 Personal data, or personal information, means any information about you from which you can be identified. It does not include data where your identity has been removed (anonymous data).
4.2 We may collect, use, store and transfer different kinds of personal data about you:
– Identity Data includes first name, last name, username or similar identifier. When you email, phone, live chat or otherwise, we may collect information such as your first name, last name, email address and phone number.
– Contact Data includes billing address, invoicing address, email address and telephone numbers.
– Financial Data includes but is not limited to bank account and payment card details, mortgages, credit card, loans and any account with a financial institution.
– Transaction Data includes details about payments and other details of our Services you have purchased from us.
– Technical Data includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices you use to access this Website.
– Profile Data includes your username and password, reservations made by you, your interests, preferences, feedback and survey responses.
– Usage Data includes information about how you use our Website and Services.
– Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences.
– Interaction Data includes any information that you might provide to any discussion forums on the Website.
– Cookies Data like many websites, we use “cookies” to enhance your experience and gather information about visitors and visits to our websites. Please refer to the “Do we use ‘cookies’?” section below for information about cookies and how we use them and what kind.
– Third Parties and Information we receive from other sources. We may receive information about you if you use any of the other websites we operate or through the Services we provide. In this case we will have informed you when we collected that data that it may be shared internally and combined with data collected on our Website. We are also working closely with third parties (including, for example, business partners, suppliers, sub-contractors, advertising networks, analytics providers, and search information providers) and may receive information about you from them.
– Your visits to and use of the Website, including without limitation your IP address, geographical location, browser/platform type and version, internet service provider, operating system, referral source/exit pages, length of visit, page views and website navigations and search terms that you use)
– Financial information, including bank account details, balances and transactions from out third party service providers who assist us with providing the Services.
4.4 We do not collect any Special Categories of Personal Data about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health and genetic and biometric data). Nor do we collect any information about criminal convictions and offences.
4.5 Under GDPR we will ensure that your personal data is processed lawfully, fairly, and transparently, without adversely affecting your rights. We will only process your personal data if at least one of the following basis applies:
a) you have given consent to the processing of your personal data for one or more specific purposes;
b) processing is necessary for the performance of a contract to which you are a party or in order to take steps at the request of you prior to entering into a contract;
c) processing is necessary for compliance with a legal obligation to which we are subject;
d) processing is necessary to protect the vital interests of you or of another natural person;
e) processing is necessary for the performance of a task carried out in the public interest or in the exercise of official authority vested in the controller; and/or
f) processing is necessary for the purposes of the legitimate interests pursued by us or by a third party such as our financial payments, except where such interests are overridden by the fundamental rights and freedoms of the data subject, in particular where the data subject is a child.
4.7 In some instances, it may be appropriate for us to combine your information with other information that we may be holding about you, such as combining your name with your geographic location or your browsing or purchasing history.
5. How do we collect your personal data?
5.1 We (or third party data processors, agents and sub-contractors acting on our behalf) may collect, store and use your personal information by way of different methods to collect data from and about you including through:
Direct interactions. You may give us your information by filling in forms via our Website or by corresponding with us by post, phone, email or otherwise. This includes personal data you provide when you:
a) present Website content;
b) use any of our Services;
c) create an account on our Website;
d) subscribe to our Services or publications;
e) request marketing to be sent to you;
f) enter a competition, promotion or survey; or
g) give us some feedback.
5.2 In addition to the above, we may use the information in the following ways:
a) To personalise your Website experience and to allow us to deliver the type of content and product offerings in which you are most interested.
b) To administer a contest, promotion, survey or other Website feature.
c) If you have opted-in to receive our e-mail newsletter, we may send you periodic e-mails. If you would no longer like to receive promotional e-mail from us, please refer to the “How can you opt-out, remove or modify information you have provided to us?” section below. If you have not opted-in to receive e-mail newsletters, you will not receive these e-mails. Visitors who register or participate in other Website features such as marketing programs and ‘members-only’ content will be given a choice whether they would like to be on our e-mail list and receive e-mail communications from us.
d) Present Website content effectively to you.
e) Provide information, and services that you request, or (with your consent) which we think may interest you.
f) Carry out our contracts with you.
g) Provide the relevant Services to you
h) Tell you our charges.
5.3 If you are already our customer, we will only contact you electronically about things similar to what was previously sold to you.
5.4 If you are a new customer, you will only be contacted if you agree to it.
5.5 We may keep a record of those links which are used the most to enable us to provide the most helpful information but we agree to keep such information confidential and you will not be identified from this information.
5.6 In addition, if you don’t want us to use your personal data for any of the other reasons set out in this section in 5, you can let us know at any time by contacting us at email@example.com, and we will delete your data from our systems. However, you acknowledge this will limit our ability to provide the best possible products and services to you.
5.7 In some cases, the collection of personal data may be a statutory or contractual requirement, and we will be limited in the products and services we can provide you if you don’t provide your personal data in these cases.
5.8 We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:
a) Where we need to perform the contract we are about to enter into or have entered into with you.
b) Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
c) Where we need to comply with a legal or regulatory obligation
5.9 Generally we do not rely on consent as a legal basis for processing your personal data other than in relation to our marketing communications or sending third party direct marketing communications to you via email or text message. You have the right to withdraw consent to marketing at any time by contacting us at firstname.lastname@example.org, and we will either delete your data from our systems or move your data to our “unsubscribe list”. However, you acknowledge this will limit our ability to provide the best possible services to you.
6. What are cookies, and how do we use them?
6.1 All cookies used by and on our Website are used in accordance with current English and EU Cookie Law.
6.3 ‘Session’ and ‘Persistent’ Cookies
‘Session cookies’ allow us to track your actions during a single browsing session, but they do not remain on your device afterwards.
‘Persistent cookies’ remain on your device between sessions. We use them to authenticate you and to remember your preferences. We can also use them to balance the load on our servers and improve your experience on our site.
Session and persistent cookies can be either first or third-party cookies. A first-party cookie is set by the Website being visited; a third-party cookie is set by a different website. Both types of cookie may be used by us or our business partners.
Third Party Cookies we use include:
Google Analytics, this is a web analytics service provided by Google, Inc. The cookies used by Google Analytics help us to analyse how users use the site and to count the number of people who use the site. Google Analytics stores your IP address anonymously and neither Finmo or Google associate your IP address with any personally identifiable information. This information will be held for 2 years.
6.4 All our cookies are categorised by the role they fulfil on our Website:
- Strictly necessary: these are essential to enable you to move around our Website and use features such as secure services. Without these cookies such services could not be provided;
- Functionality: allow the Website to remember your choices and to personal certain features. These cookies may be anonymised and cannot track your browsing activity on other websites; and
- Performance: collect information as to how users use the website. These cookies don’t collect information that identifies a visitor. The information collected is aggregated and used to improve our Website.
- None of the cookies employed are classified as Behavioural Targeting.
If at any time you wish to disable our cookies, you may do so through the settings on your browser. However, if you choose to disable or delete our cookies that will prevent certain important areas and features of our service from functioning properly (but if you do so you will not be able to use certain important features of our service). You can find additional information at AboutCookies.org.
Notwithstanding, the audit undertaken regarding our cookies, it is possible we may have missed one from our list above. If you happen to find one that is being set on our site, please let us know.
7. How do we store your data, and what do we do with it?
7.2 Where we use providers based in the US, we may transfer data to them if they are part of the Privacy Shield which requires them to provide similar protection to personal data shared between the Europe and the US. For further details, see the European Commission: EU-US Privacy Shield.
7.3 Data security is of great importance to us, and to protect your data we have put in place suitable physical, electronic and managerial procedures to safeguard and secure data collected through our Website. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.
7.4 We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.
7.5 By giving us your personal data, you agree to this arrangement. We will do what we reasonably can to keep your data secure.
7.6 Any payments made by you, will be encrypted.
7.7 We have implemented security measures such as a firewall to protect any data and maintain a high level of security.
7.8 Notwithstanding the security measures that we take, it is important to remember that the transmission of data via the internet may not be completely secure and that you are advised to take suitable precautions when transmitting to us data via the internet and you take the risk that any sending of that data turns out to be not secure despite our efforts.
7.9 If we give you a password upon registration on our Website, you must keep it confidential. Please don’t share it.
7.10 We will keep personal data for as long as is necessary which is usually the life of our relationship and up to a period of seven years after our relationship have ended. We may however be required to retain personal data for a longer period of time to ensure we comply with our legislative and regulatory requirements. We review our data retention obligations to ensure we are not retaining data for longer than we are legally obliged to.
8. When might we disclose your information?
8.1 We are allowed to disclose your information in the following cases:
8.1.1 If we want to sell our business, or our company, we can disclose it to the potential buyer.
8.1.2 We can disclose it to other businesses in our group.
8.1.3 We can disclose it if we have a legal obligation to do so, or in order to protect other people’s property, safety or rights.
8.1.4 We can exchange information with others to protect against fraud or credit risks.
8.2 We may contract with third parties to supply services to you on our behalf. These may include payment processing, search engine facilities, advertising and marketing. In some cases, the third parties may require access to some or all of your data. These are the third parties that have access to your information:
8.3 Where any of your data is required for such a purpose, we will take all reasonable steps to ensure that your data will be handled safely, securely, and in accordance with your rights, our obligations, and the obligations of the third party under GDPR and the law.
9. What are your rights?
9.2 Under the GDPR, you have the right to:
– request access to, deletion of or correction of, your personal data held by us at no cost to you;
– request that your personal data be transferred to another person (data portability);
– be informed of what data processing is taking place;
– restrict processing;
– to object to processing of your personal data; and
– complain to a supervisory authority.
9.3 You also have rights with respect to automated decision-making and profiling as set out in section 12 below.
9.4 You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes.
10. Links to other sites
Please note that our terms and conditions and our policies will not apply to other websites that you get to via a link from our Website. We have no control over how your data is collected, stored or used by other websites and we advise you to check the privacy policies of any such websites before providing any data to them.
12. Automated Decision-Making and Profiling
12.1 In the event that we use personal data for the purposes of automated decision-making and those decisions have a legal (or similarly significant effect) on you, you have the right to challenge to such decisions under GDPR, requesting human intervention, expressing their own point of view, and obtaining an explanation of the decision from us.
12.2 The right described in section 12.1 does not apply in the following circumstances:
a) the decision is necessary for the entry into, or performance of, a contract between the you and us;
b) the decision is authorised by law; or
c) you have given you explicit consent.
12.3 We may use your personal data for profiling purposes, including to provide you with recommendations on services you may wish to engage, or steps you may wish to take, relevant to your particular tax situation. Where we use your personal data for profiling purposes, the following shall apply:
a) Appropriate mathematical or statistical procedures will be used;
b) Technical and organisational measures necessary to minimise the risk of errors and to enable such errors to be easily corrected shall be implemented; and
c) All personal data processed for profiling purposes shall be secured in order to prevent discriminatory effects arising out of profiling.
13. Terms and Conditions
Please also visit our Terms and Conditions section http://www.finmo.co.uk/terms establishing the use, disclaimers, and limitations of liability governing the use of our Website.
14. Your Consent
15. Dispute Resolution