1. Our commitments
1.2 Because of the financial nature of Money on Toast’s business, Money on Toast’s products and services are not designed to appeal to or to be sold to persons under the age of 18. Therefore, Money on Toast does not knowingly attempt to solicit or receive any information from children.
2. What information Money on Toast collects and what does Money on Toast do with it?
2.1 To take advantage of some of the services offered via this Web Site you may be required to log on or register with the Web Site. Money on Toast and any third parties who host or maintain this Web Site may need to collect information about you and your computer to enable you to do so. The information will be collected when you register with the Web Site or when you choose to use one of the services available via the Web Site. This includes, but is not limited to, when you fill out forms, transfer any policies into our agency, take out any policies, upload any documentation, send us any communication by email, fax or post, make an enquiry, take our risk assessment test or any other communication that we receive directly or indirectly from you. Any appointments made via phone, Skype or Facetime may also be recorded and stored securely. We may also record any telephone conversations and store the recording securely. Everything will be stored both within the website database and in our back office system (whichever system we are using at the time). Both these databases are stored on a dedicated and secure server with at least 128-bit levels of encryption.
2.2 Community centre: Anything expressed within or uploaded to the community centre are not endorsed by Money on Toast and do not represent our opinions or views. The community centre is not monitored or controlled by Money on Toast and Money on Toast bares no responsibility for any of the content within it. If you follow any tips, advice or information that you read or view within the community centre you do so out of your own free will and under the full understanding that these have not come from Money on Toast and neither do we endorse them. Only comments made by the Money on Toast administrator account represent our views or opinions. We do not deliver any advice through the community centre, it is all just information.
2.3 Money on Toast may also pre-populate the forms of third party websites with the information you have supplied us with. This may be done manually or through secure and encrypted data transfers. It is your responsibility to check that the pre-populated data fields are correct. Money on Toast bears no responsibility for any problems with any applications to third-party companies that arise from any pre-populated data fields or application forms.
2.4 Money on Toast may use your information to notify you of news about Money on Toast, changes to the Web Site, special events or new services that Money on Toast thinks may interest you. If, at any time, you would rather not receive any such information, please contact Money on Toast in writing, either by post or email, to let us know. In these circumstances, Money on Toast will need to keep your information on file so that you can continue to use the Web Site and so that Money on Toast can deal with the administration and security of the Web Site. Money on Toast will still contact you by email or post for anything necessary to administrate your membership and to comply with any legal or other important conditions, but Money on Toast will not e-mail you or contact you by telephone, fax or post for promotional purposes without your consent.
2.5 The nature of Money on Toast’s business is such that Money on Toast may on occasion ask you to provide sensitive personal data as defined in the Data Protection Act 1998 (for example, questions relating to your health where that information is required in order to provide life insurance quotations). Where Money on Toast does so, Money on Toast will request your explicit consent to the use of such sensitive personal data.
2.6 Money on Toast or third parties hosting servers on Money on Toast’s behalf may also monitor traffic patterns and usage of the Web Site to help it to improve the Web Site design and lay-out.
2.7 Please note that Money on Toast is not responsible for what any third party content provider or other third party offering goods and services via web sites linked to this Web Site may propose to do with information about you. So please ensure you read their terms and conditions carefully.
3. Payment processes
Any payments taken by Money on Toast are taken through the use of PayPal. You must ensure that you read any PayPal terms and conditions and privacy policies before you make any transaction. Payments taken through PayPal include, but are not limited to, bookings for appointments, financial product applications, annual management charge and transfers to our custodian account. Money on Toast does not store credit card details nor do we share customer details with any 3rd parties.
4.Sharing of Information with Third Parties
4.1 We may disclose your personal information to any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 1159 of the UK Companies Act 2006. We may also pass your information to our service providers, agents and associated organisations, and, if you have consented, to other organisations
4.2 Money on Toast will not disclose your personal information to third parties other than as described in this clause and clause 4 or unless it is legally required to do so or in the case of sensitive personal data you give your explicit consent to do so.
4.3 Money on Toast may need to pass your information to third parties who help Money on Toast to maintain, administer or develop the Web Site but, if so, that information is only given to those third parties for that limited purpose. In addition, Money on Toast may provide aggregate statistics about its customers, sales, traffic patterns and related Web Site information to reputable third-parties, but these statistics will include no personally identifying information.
4.4 Money on Toast reserves the right to access and disclose personal data or information to comply with applicable laws and lawful government requests, to operate its systems properly, or to protect itself or its users.
5. Your consent
5.1 You acknowledge and agree that in the course of registering or using this Web Site and any services offered via this Web Site, certain information about you will be captured electronically (including sensitive personal data where required, but this will be subject to you giving your explicit consent in such cases) or otherwise and transmitted to Money on Toast and or, to third parties who host Money on Toast’s web servers or assist Money on Toast in maintaining this Web Site, as set out above in clause 4.
5.2 You acknowledge and agree that Money on Toast may also potentially share or sell and personal details to any third party that they choose.
5. Contests and Competitions
From time-to-time Money on Toast may request information from users for the purposes of running contests or competitions. Participation in these contests or competitions is completely voluntary and the user therefore has a choice regarding whether or not to disclose this information.
6. How does Money on Toast protect user information?
As required by the Data Protection Act 1998, Money on Toast follows strict security procedures in the storage and disclosure of information which you have provided via this Web Site, to prevent unauthorised access.
Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
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 data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access. We will store you data in accordance with what was discussed in clause 2.1 above.
7. What are ‘Cookies’ and how does Money on Toast use them?
7.1 A cookie is a piece of information that is stored on your computer’s hard drive by your Web browser. On visiting the Web Site, your computer server will use the cookie to guarantee a secure connection. Most browsers accept cookies automatically, but usually you can alter the settings of your browser to prevent automatic acceptance. If you choose not to receive cookies, you may not be able to use certain features of this Web Site.
7.4 Money on Toast may use the information which it collects to personalise your experience on the Web Site, to help you to log-in in future, to continue to use the Web Site, and to help Money on Toast select services or materials for inclusion on the Web Site which may be of interest to you. Money on Toast may, from time to time, use your information to recommend other products or services to you. If you are an existing customer, we will only contact you by electronic means (e-mail or SMS) with information about goods and services similar to those which were the subject of a previous sale to you. If you are a new customer, and where we permit selected third parties to use your data, we (or they) will contact you by electronic means only if you have consented to this.
If you do not want us to use your data in this way, or to pass your details on to third parties for marketing purposes, please tick the relevant box situated on the form on which we collect your data the registration form.
We do not disclose information about identifiable individuals to our advertisers, but we may provide them with aggregate information about our users (for example, we may inform them that 500 men aged under 30 have clicked on their advertisement on any given day). We may also use such aggregate information to help advertisers reach the kind of audience they want to target (for example, women in SW1). We may make use of the personal data we have collected from you to enable us to comply with our advertisers’ wishes by displaying their advertisement to that target audience.
This Web Site contains links to other web sites. Please be aware that Money on Toast cannot be held responsible for the privacy policies of such other sites. Money on Toast encourages its users to be aware when they leave the Web Site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by this Web Site.
10. Access to information
The Access to Information Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a fee of £15 to meet our costs in providing you with details of the information we hold about you.