Privacy Policy

General

1. Magpie Money ("We", "Us", "Our") is committed to protecting and respecting your privacy. We are the data controller and will process your personal data in accordance with the Data Protection Act 1998 as amended or replaced by the General Data Protection Regulation 2016 and any national laws which relate to the processing of personal data (“data protection legislation”).

2. Please read the following carefully to understand our views and practices regarding Your Data and how we will treat it.

   This policy applies to information we collect about:

   Visitors to our website(s)
   Customers
   Introducers
   Suppliers
   

Visitors to our websites

1. We may collect and process personal data about you in the following circumstances:
1. when you complete the online contact forms on our website (“Site”) providing us with your name, address, email address and contact number;
2. whenever you provide information to us when reporting a problem with our Site, making a complaint, making an enquiry or contacting us for any other reason. If you contact us, we may keep a record of that correspondence;
3. when you visit our Sites we will retain details such as traffic data, location data, weblogs and other communication data, and the resources that you access (see section 2.2.2 on Cookies below); and
4. whenever you disclose your information to us, or we collect information from you in any other way, through our Sites.

2. We may also collect data in the following ways:

1. IP Address

   We may collect information about your device, including where available your Internet Protocol address, for reasons of fraud protection. We may also collect information about your device’s operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users' browsing actions and patterns, and does not identify any individual.

2. Use of Cookies

   Please see our Cookie Policy.

3. We may use your personal data for our legitimate interests in order to:

1. provide you with information, or services that you requested from us;
2. respond to an enquiry submitted via our online contact forms;
3. allow you to participate in interactive features of our Sites, when you choose to do so;
4. ensure that content from our Sites are presented in the most effective manner for you and for your device;
5. improve our Sites and services;
6. process and deal with any complaints or enquiries made by you; and
7. contact you for marketing purposes where you have signed up for these (see section 5 for further details).

4. Website Links

   Our Site may, from time to time, contain links to and from the websites of third parties. Please note that if you follow a link to any of these websites, such websites will apply different terms to the collection and privacy of your personal data and we do not accept any responsibility or liability for these policies. Please check before you submit your information to these websites.

Suppliers

We will collect details such as contact names, address, email address and telephone number in order to contact you about goods and/or services we have ordered from you, to comply with our contractual obligations and to place further orders. We may share your personal data with our employees to manage our relationship with you and we will keep your personal data for as long as we require your goods and/or services subject to a maximum of 6 years from the date of our last contact with you. We will not transfer your personal data outside the United Kingdom unless permitted to do so by data protection legislation (see section 8 of this Privacy Policy).

Marketing

1. We may use customer personal data to provide you with details about our services, products, business updates and events which we think may be of interest. We will only send you marketing correspondence where you have given us your consent to do so.
2. You have the right to opt-out of receiving the information detailed in section 5.1 at any time. To opt-out of receiving such information you can:
1. tick the relevant box situated in the form on which we collect your information;
2. clicking the unsubscribe button contained in any such communication received; or
3. email us at info@magpiemoney.co.uk or call providing us with your name and contact details. It may take up to 7 days for this to take place.
3. Where you have subscribed to receive marketing correspondence from us we will keep your personal data for 6 years from when you subscribed to receiving marketing information from us or until you unsubscribe from receiving such correspondence from us (whichever is earlier).

Legal basis for processing your personal data

1. In accordance with data protection legislation we are required to notify you of the legal basis upon which we process your personal data. We process your personal data for the following reasons:
1. for performance of a contract we enter into with you;
2. where necessary for compliance with a legal obligation we are subject to; and
3. for our legitimate interests (as described within this policy).
2. We will also process your personal data including personal sensitive data where we have obtained your explicit consent.

Disclosure of your data to third parties

1. In addition to the third parties mentioned previously in this policy, we may disclose your personal data to third parties for the following legitimate business purposes:
1. staff members in order to facilitate the provision of services to you;
2. IT software providers that host our website and store data on our behalf;
3. Service providers who provide us with software solutions and platforms in order to carry out our business and provide services (including, without limitation, open banking services); and
4. to a prospective buyer of some or all of our business or assets, in which case personal data including Your Data will also be one of the transferred assets.The recipient of the information will be bound by confidentiality obligations.
2. We only allow our service providers to handle your personal information if we are satisfied they take appropriate measures to protect your personal information. We also impose contractual obligations on service providers to ensure they can only use your personal information to provide services to us and to you. We may also share personal information with external auditors, eg in relation to ISO accreditation and the audit of our accounts.
3. We may disclose your personal data to the police, regulatory bodies, legal advisors or similar third parties where we are under a legal duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our agreements; or to protect our rights, property, or safety of our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.
4. We will not sell or distribute your personal data to other organisations without your approval.

Cross-border data transfers

1. We share your personal data with external third parties in order to provide our services to you. Some of these third parties may transfer personal data outside the United Kingdom. We require such third parties to ensure that such transfers take place in accordance with data protection legislation.

2. Whenever we transfer your personal data out of the United Kingdom, we ensure a similar degree of protection is afforded to it by ensuring at least one of the following safeguards is implemented:

   We will only transfer your personal data to countries that have been deemed to provide an adequate level of protection for personal data by the European Commission;

   Where we use certain service providers, we may use specific contracts approved by the European Commission which give personal data the same protection it has in Europe; or

   Where we use providers based in the US, we may transfer data to them if they are registered as being part of the Privacy Shield which requires them to provide similar protection to personal data shared between Europe and the US.

3. Please contact us if you want further information on the specific mechanism used by us when transferring your personal data out of the United Kingdom.

Data security

1. Information you provide to us is shared on our secure servers. We have implemented appropriate physical, technical and organisational measures designed to secure your information against accidental loss and unauthorised access, use, alteration or disclosure. In addition, we limit access to personal data to those employees, agents, contractors and other third parties that have a legitimate business need for such access. We also have procedures in place to deal with any suspected data security breach. We will notify you and any applicable regulator of a suspected data security where we are legally required to do so.
2. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our Sites, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
3. Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your information transmitted to our Site; any transmission is at your own risk. If you want detailed information from Get Safe Online on how to protect your information and your computers and devices against fraud, identity theft, viruses and many other online problems, please visit www.getsafeonline.org. Get Safe Online is supported by HM Government and leading businesses.

Access to, updating, deleting and restricting use of your data

1. It is important that the personal data we hold about you is accurate and current. Please keep us informed if the personal data we hold about you changes.
2. Data protection legislation gives you certain rights in relation to your personal data. You have the right to object to the processing of your personal data in certain circumstances and to withdraw your consent to the processing of your personal data where this has been provided.
3. You can also ask us to undertake the following:
1. update or amend your personal data if you feel this is inaccurate;
2. remove your personal data from our database entirely;
3. send you copies of your personal data in a commonly used format and transfer your information to another entity where you have supplied this to us, and we process this electronically with your consent or where necessary for the performance of a contract;
4. restrict the use of your personal data; and
5. provide you with access to information held about you and for this to be provided in an intelligible form.
4. We may request specific information from you to help us confirm your identity. Data protection legislation may allow or require us to refuse to provide you with access to some or all the personal data that we hold about you or to comply with any requests made in accordance with your rights referred to above. If we cannot provide you with access to your personal data, or process any other request we receive, we will inform you of the reasons why, subject to any legal or regulatory restrictions.
5. Please send any requests relating to the above to our Privacy Officer at info@magpiemoney.co.uk or Kemp House, 160 City Road, London, United Kingdom, EC1V 2NX, specifying your name and the action you would like us to undertake.

Right to withdraw consent

Where you have provided your consent to the collection, processing and transfer of your personal data, you may withdraw that consent at any time. This will not affect the lawfulness of data processing based on consent before it is withdrawn. To withdraw your consent please contact us at info@magpiemoney.co.uk or Kemp House, 160 City Road, London, United Kingdom, EC1V 2NX.

Changes to our privacy policy

We reserve the right to update this privacy policy at any time, and any changes we make to our privacy policy will be posted on this page. We will notify you if there are any changes to this policy that materially affect how we collect, store or process your personal data. If we would like to use your previously collected personal data for different purposes than those we notified you about at the time of collection, we will provide you with notice and, where required by law, seek your consent, before using your personal data for a new or unrelated purpose. We may process your personal data without your knowledge or consent where required by applicable law or regulation.

Contact us

We have appointed a Privacy Officer to oversee compliance with this privacy policy. If you have any questions, comments or requests regarding this policy or how we use your personal data please contact our Privacy Officer at info@magpiemoney.co.uk or Kemp House, 160 City Road, London, United Kingdom, EC1V 2NX. This is in addition to your right to contact the Information Commissioners Office if you are unsatisfied with our response to any issues you raise at https://ico.org.uk/.