Data Protection — moneycoach.training

Privacy and Data Policy

1. INTRODUCTION

Welcome to Money Coach’s Privacy Policy.

At Money Coach (“we”, “us”, or “our”) we are committed to protecting and respecting your privacy and Personal Data.

This Privacy Policy explains how we collect, process and keep your data safe. The Privacy Policy will also tell you about your privacy rights in relation to this data. Personal Data is data, or a combination of pieces of data that could reasonably allow you to be identified.

This Privacy Policy applies to Personal Data we collect or process about our customers that use our services via our application (the "Application").

We may be required by law to collect certain Personal Data about you, or as a consequence of any contractual relationship we have with you. Failure to provide this information may prevent or delay the fulfilment of these obligations.

2. WHAT DATA DO WE COLLECT

The categories of Personal Data that we collect about you are:

· Profile/Identity Data: This is data relating to your first name, last name, gender, date of birth, along with user credentials when you create an account to use our services.

· Contact Data: This is data relating to your phone number, postal address, email address.

· Marketing and Communications Data: This is your preferences in receiving marketing information and other information from us.

· Usage Data: This is data we collect from you in connection with your usage of the Application, including data collected about the browser you use and your user behaviour.

· Financial Data: This is data relating to your payment/billing information, where you purchase any of our services.

3. THE LEGAL BASIS FOR COLLECTING THAT DATA

We must have a legal basis to process your Personal Data. In most cases the legal basis will be one of the following:

· “Consent”: We may obtain your consent to collect and use certain types of Personal Data when we are required to do so by law, for example, in relation to our direct marketing activities including email newsletters. If we ask for your consent to process your Personal Data, you may withdraw your consent at any time by contacting us using the details at the end of this Privacy Policy.

· “Contractual Obligations”: We may require certain information from you in order to fulfil our contractual obligations and provide you with our services.

· “Legal Compliance”: We’re required by law to collect and process certain types of data, such as to detect, prevent and respond to fraudulent activity or other illegal actions, or to comply with our legal obligations such as respond to legally binding requests from regulators, law enforcement authorities or other government authorities.

· “Legitimate Interest”: We might need to collect certain information from you to be able to meet our legitimate interests - this covers aspects that can be reasonably expected as part of running our business, that will not have a material impact on your rights, freedom or interests. This could include understanding how you use our services to enable us to derive knowledge that enables us to develop the services. When we process Personal Data to meet our legitimate interests, we put in place robust safeguards to ensure that your privacy is protected and to ensure that our legitimate interests are not overridden by your interests or fundamental rights and freedoms.

4. HOW WE USE YOUR PERSONAL DATA

1. Our Uses

In general, we process your Personal Data for the following purposes:

· To operate and provide you with our services and ensure they function, such as modules learned, lessons learned, replies to quizzes, and polls.

· To improve our services by gathering aggregated data to enable research or analysis so that we can better understand and serve you

· To deal with your enquiries and requests

· To contact you with marketing including through our newsletter and offers relating to our services and make suggestions and recommendations to you about goods or services that may be of interest to you

· To prevent and detect against fraud and other malicious use of our services and to protect your security

· To comply with legal and regulatory obligations to which we are subject and cooperate with regulators and law enforcement bodies

Set out below is a table containing the different types of Personal Data we collect and the lawful basis for processing that data. Please refer to the section above for more information on the lawful basis listed in the table below.

1. Activity: When a user signs up to the Application for the first time and creates an account

2. Type of Data: Profile/Identity Data, Contact Data, Marketing and Communications Data, Financial Data

3. Lawful Basis for processing data:

1. Consent: You will need to include Personal Data and Contact Data when filling in Profile on the Application so the content you create is linked to your profile

2. Contractual Obligation: In order to use our Application you need to contract with us under our Terms and Conditions and so this data is necessary to form the contract between us

3. Legitimate Interest: We need to understand where you are logging in from so we know whether you can take advantage of our services, and what browser you are using so we can understand our customer demographic to help diagnose service provision issues, to keep our records up-to-date and analyse how customers use our services. We need to process this data so that we have records of who is using the application, build a user profile, which the users can log into and maintain records of their progress on the Application

1. Activity: Opting in to push notifications

2. Type of Data: Marketing and Communications Data

3. Lawful Basis for processing data:

1. Consent: We may request to send you push notifications regarding your account or the Application, and users will consent to receiving these notifications. If you wish to opt-out from receiving these types of communications, you may turn them off in your device’s settings

1. Activity: While using the Application, we track usage data within the Application, including user behaviour inside the Application, product interactions and attributions.

2. Type of Data: Usage Data

3. Lawful Basis for processing data:

1. (a) Contractual Obligation

2. In order to use our Application you need to contract with us under our Terms and Conditions and so this data is necessary to form the contract between us.

3. Legitimate Interests For the product to function correctly, we require this data to assess Application Functionality and Analytics

Marketing and Content Updates:

You will receive marketing and new content communications from us if you have created an account and chosen to opt into receiving those communications. From time to time we may make suggestions and recommendations to you about goods or services that may be of interest to you.

You can ask us to stop sending you marketing messages at any time by unsubscribing at the bottom of our emails.

YOUR RIGHTS AND HOW YOU ARE PROTECTED BY US

What Rights Do I Have Over Money Coach’s Use Of My Personal Data?

You have certain rights regarding your Personal Data, subject to local law. These include the following rights:

· access your Personal Data

· rectify the data we hold about you

· erase your Personal Data

· restrict our use of your Personal Data

· object to our use of your Personal Data

· receive your Personal Data in a usable electronic format and transmit it to a third party (right to data portability)

· lodge a complaint with your local data protection authority

If you would like to discuss or exercise such rights, please contact us at the details below.

We may need to request specific information from you to help us confirm your identity and ensure you have the right to access your Personal Data (or to exercise any of your other rights). This is to ensure that Personal Data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.

We encourage you to contact us to update or correct your information if it changes or if the Personal Data we hold about you is inaccurate.

How Does Money Coach Protect Customers' Personal Data?

We are committed to keeping your data secure and protecting it from inappropriate disclosure. We implement a variety of security measures to ensure the security of your Personal Data on our systems, including implementing certain security measures, such as encrypting passwords for users of the Application. Any Personal Data collected by us is only accessible by a limited number of employees who have special access rights to such systems and are bound by obligations of confidentiality. However, no transmission of data over the internet is guaranteed to be completely secure. It may be possible for third parties not under the control of Money Coach to intercept or access transmissions or private communications unlawfully. While we strive to protect your Personal Data, we cannot ensure or warrant the security of any Personal Data you transmit to us. Any such transmission is done at your own risk. If you believe that your interaction with us is no longer secure, please contact us.

YOUR DATA AND THIRD PARTIES

Will We Share Your Data With Third Parties?

We may share Personal Data with third parties under the following circumstances:

We may share your Personal Data with our service providers, subcontractors and business partners/affiliates, for example where they facilitate us in providing our services (subject to confidentiality obligations to use it only for the purposes for which we disclose it to them and pursuant to our instructions).

We may also share Personal Data with interested parties in the event that Money Coach anticipates a change in control or the acquisition of all or part of our business or assets or with interested parties in connection with the licensing of our technology. If Money Coach is sold or makes a sale or transfer, we may, in our sole discretion, transfer, sell or assign your Personal Data to a third party as part of or in connection with that transaction. Should such a sale or transfer occur, we will use reasonable efforts to try to ensure that the entity to which we transfer your Personal Data uses it in a manner that is consistent with this Privacy Policy.

We may share your Personal Data at any time if required for a legal reason, including to comply with legal or regulatory obligations, or to protect our rights or the rights of any third party, or otherwise in order to enforce our terms or this Privacy Policy.

1. Third-Party Links

This Site/Application may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. We encourage you to read the privacy policy of every website you visit.

HOW LONG WILL WE RETAIN YOUR DATA FOR?

We will only retain your Personal Data for as long as reasonably necessary to fulfil the purposes we collected it for. Once our relationship with you has come to an end, we will retain your Personal Data for a period that enables us to:

· Maintain business records for analysis and/or audit purposes

· Deal with any complaints

· Defend or bring existing or potential legal claims in respect of our relationship with you

· Comply with record retention requirements under the law

· Enforce our commercial agreements

1. AGE LIMIT FOR OUR USERS

You must not use Money Coach unless you are aged 18 or older. If you are under 18 and you access Money Coach by lying about your age, you must immediately stop using Money Coach.

This website is not intended for children and we do not knowingly collect data relating to children.

OPTIONS REGARDING YOUR INFORMATION

Account information
You may at any time review, access or change the information in your account by logging into your account settings and updating your account.

You may delete your account at any time. To terminate your account, please contact Money Coach at info@moneycoach.training Upon your request to terminate your account, we will deactivate or delete your account and information from our active databases. However, some information may be retained in our files to prevent fraud, troubleshoot problems, assist with any investigations, enforce our Terms and Conditions and/or comply with legal requirements.

Your account information will be protected by a password for your privacy and security. You need to prevent unauthorized access to your account and Personal Data by selecting and protecting your password appropriately and limiting access to your computer or device and by signing off after you have finished accessing your account.

Emails and Communications
If you no longer wish to receive correspondence, emails or other communications from us, you may opt-out by noting your preferences at the time you register your account with the Application, logging into your account settings and updating your preferences on your phone or contacting Money Coach at info@moneycoach.training

Money Coach is the controller responsible for the Personal Data collected and processed.

If you have any inquiries or concerns about the way in which your data has been used, please contact us either by email at info@moneycoach.training

1. NOTIFICATION OF CHANGES AND ACCEPTANCE OF POLICY

We keep our Privacy Policy under review and will place any updates on this page. This version is dated 28th October 2022.