MoneyVista privacy policy

To get the most from MoneyVista you will be entering and saving information to help you to develop your own financial plan. The more information you put in, the more robust your plan will be, and the more you will get from MoneyVista.

This Privacy Policy explains our commitments to protect your information and your privacy. Please read this Privacy Policy before registering and saving your Personal Information with us. By using MoneyVista, you are accepting this Privacy Policy.

1. BACKGROUND

1.1 In this Privacy Policy the term Personal Information means any information about you obtained through MoneyVista from which you can be personally identified and which relates to you. This may include your name, address, email address, financial details, password and other information which you may disclose to us or post onto the Forum.

1.2 This Privacy Policy governs the way in which we process any Personal Information that you provide to us.

2. PERSONAL INFORMATION

2.1 We will not disclose any of your Personal Information to third parties, except to our authorized service providers, without your consent. Any exceptions to this are stated in this Privacy Policy.

2.2 To register and use the MoneyVista service you will need to provide some Personal Information to MoneyVista.

2.3 We are the Data Controller for the purposes of the Data Protection Act 1998. Please go to www.ico.gov.uk for details of our registration.

2.4 Any Personal Information you enter on MoneyVista or post on the Forums will be stored.

2.5 When you register for the MoneyVista service you may enter Personal Information such as your name, and email address.

2.6 When you are using MoneyVista you may also enter information about your gender, date of birth and financial services products you hold.

2.7 If you subscribe to MoneyVista, financial information such as your payment method (valid credit or debit card number, type, expiration date or other financial information) will be stored and processed by our third party payment service providers.

2.8 We take precautions including administrative, technical and physical measures to protect your Personal Information against loss, theft and misuse as well as against unauthorised access and disclosure. For example, only authorized employees are permitted to access Personal Information, and they may do so only for permitted business functions. We also use firewalls to help prevent unauthorized persons from gaining access to your Personal Information.

2.9 We want you to feel confident using MoneyVista. However, no system can guarantee to be completely secure. Therefore, although we take all reasonable steps to secure your information, we do not promise that information, searches, or other communications will always remain secure. Users should also take care with how they handle and disclose their Personal Information and should avoid sending it through our email system wherever possible.

2.10 The Data Protection Act 1998 gives you the right to access information held about you and also request that it is corrected or deleted. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you. These rights are in addition to your right to request that your Personal Information is/is not used in a particular way or shared with particular parties.

3. VISITING WWW.MONEYVISTA.COM

3.1 Cookie information

Cookies are used to help a website to arrange content to match users preferred interests more quickly - most major websites use cookies.

Cookies alone cannot be used to identify you.

Cookies cannot harm your computer, they cannot, for example transmit computer viruses or read any personal information from the hard disk. Only the cookie that is sent in the first place is returned to the server. It is not modified or manipulated in any way.

A cookie is made up of one or more pieces of information stored as text strings. They work by a web server sending a cookie and the browser storing it. The browser then returns the cookie to the server the next time the page is referenced.

If you would like more information on Cookies please go to follow this link: http://www.out-law.com/page-5486

3.1.1 Setting MoneyVista cookie preferences

To update your cookie preferences please use the tick box below.

I consent to the use of cookies.

Once you have set your preferences the non-essential  cookies utilised by MoneyVista will still appear in your machine's temporary memory but they will be disabled and no longer track your usage of the service.

Please be aware that by setting your cookie preferences MoneyVista will place a cookie on your machine so that we are able to recognise those preferences (this cookie is named.MVSettings).

 

3.1.2 Types of cookies

• Session cookies

Also called a transient cookie, a session cookie is only live whilst a user is in a browsing session. As session cookies are only stored in temporary memory they are erased as soon as the user closes the Web browser. Session cookies are not retained after the browser is closed. Session cookies do not collect information from the user's computer. They typically will store information in the form of a session identification that does not personally identify the user.

• Persistent cookies

Also called a permanent cookie, or a stored cookie, this is a cookie that is stored on a user's hard drive until it expires (persistent cookies are set with expiration dates) or until the user deletes the cookie. Persistent cookies are used to collect identifying information about the user, such as Web surfing behavior or user preferences for a specific Web site.

3.1.3 Cookies used by MoneyVista

Cookie	Name	Purpose/Description	Expiration
MoneyVista	.MVAuth ASP.net_Sessionid	Allows the portal to check whether a user is authenticated with the 'application' part of MoneyVista and show and hide various content if they are.  Contains no sensitive information and is not used for any form of tracking.	Session cookie
	.MVSettings	Allows storage of browser settings.  Only used to store the cookie policy opt in/opt out preferences.	30 days
Google Analytics	_utma _utmb _utmc _utmz	Used to collect information about how visitors use our site. The information is used to compile reports to help us improve the site. The information is collected in an anonymous form, including the number of visitors to the site, where visitors have come from and the pages they visited.  For more information about Google Analytics visit: www.google.com/analytics/privacy Note that Google is based in the United States of America which has different privacy laws and individual rights in relation to Personal Information from those in the United Kingdom. Google is Safe Harbor certified and details of its certification can be found at https://safeharbor.export.gov/list.aspx. Being Safe Harbor certified means Google subscribes to certain commitments with respect to your privacy.	2 years from set/last visit
DoubleClick	_drt_ Id	These cookies are used to collect information for analysis on marketing campaigns which direct traffic to specific content on the website.	2 years from set/last visit
ClickDimensions	cuvid	This cookie is typically written to the browser upon the first visit to the site from that web browser. If the cookie has been deleted by the browser operator, and the browser subsequently visits the site, a new __cuvid cookie is written with a different visitor unique ID. This cookie is used to determine unique visitors to the site and it is updated with each page view. Additionally, this cookie is provided with a unique ID that the application uses to ensure both the validity and accessibility of the cookie as an extra security measure.	2 years from set/last visit
	cusid	This cookie is used to establish and continue a user session with the site. When a user views a page on the site, the script code attempts to update this cookie. If it does not find the cookie, a new one is written and a new session is established. Each time a user visits a different page on the site, this cookie is updated to expire in 30 minutes, thus continuing a single session for as long as user activity continues within 30-minute intervals. This cookie expires when a user pauses on a page on the site for longer than 30 minutes.	30 minutes from set/last visit
	cuvon	Used to signal the last time a visitor viewed a page.	30 minutes from set/update
BrowserHawk	bhCookieSess bhResults	Used to detect a visitor's browser type.	Session cookie

 

3.1.4 Disabling and enabling cookies

All recent versions of popular browsers give users a level of control over cookies.

Users can set their browsers to accept or reject all or certain cookies. Users can also set their browser to prompt them each time a cookie is offered.

To find out more about changing/updating browser settings refer to individual browser help or user guides.

4. HOW WE USE INFORMATION

4.1 We may use information that you provide to:

• ensure that content from MoneyVista is presented in the most effective manner for you and for your computer;

• help you to create your financial plan and to notify you if something happens that will impact your financial plan;

• provide you with information or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes;

• manage your account and provide you with customer support;

• contact you at your request or to deal with MoneyVista or Forum management issues;

• carry out our obligations to you;

• allow you to access and use our 'Ask the Expert' service (or any similar or replacement service);

• allow you to participate in interactive features of our service, when you choose to do so; or

• notify you about changes to our service.

4.2 We may use Financial or Personal Information you provide to process payments for subscriptions to MoneyVista, to protect against or identify possible fraudulent transactions, to deal with payment queries and problems, and otherwise as needed to manage our business.

5. SHARING YOUR INFORMATION

5.1 We do not share, sell or disclose your Personal Information with others except as explained below:

5.1.1 Authorised service providers: We may share your Personal Information, which may include your name and contact information (including email address), with our authorised service providers (including other Royal London Group companies) that perform certain services on our behalf relating to MoneyVista, its operation and our use of it. When your subscription payment is made, your name, contact information and payment information will go to our authorized service providers who process payments on our behalf. These service providers may have access to Personal Information needed to perform their functions on our behalf but are not permitted to share or use such information for any other purposes.

5.1.2 Ask the Expert service: If you use our 'Ask the Expert' service to submit any enquiries about general personal finance matters or about our services, we may share your enquiry and any information related to it with the consultants we appoint to provide the 'Ask the Expert' service. We will only provide our consultants with the information they need to consider your enquiry. We will not provide them with your name, address or contact details. Our consultants are not permitted to share or use the information we provide to them for any purpose other than delivering the 'Ask the Expert' service.

5.1.3 Other Situations. We also may disclose your information, including Personal Information:

• In response to a court order, or a request for cooperation from a law enforcement or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required or permitted by applicable laws and/or regulations.
• When we believe disclosure is appropriate in connection with efforts to investigate, prevent, or take other action regarding illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property or safety of our company, our users, our employees, or others; to comply with applicable law or cooperate with law enforcement; or to enforce our terms of use or other agreements or policies.
• In the event we sell or buy any of our business or assets, in which case we may disclose your Personal Information to the prospective or actual buyer of such business or assets (who may then go on to use your Personal Information in a similar way).

6. FORUMS

6.1 You decide what Personal Information to disclose on Forums. We remind you that Forums are public and not private areas where all the detail you post will be seen by other visitors and users.

6.2 Forums may be moderated (although we are not under any obligation to do so), and we strongly urge you not to include either real names, addresses or any other contact details on them.

6.3 We recommend you do not post any Personal Information (including any Sensitive Personal Information about your physical and mental health, your origin and/or race, your political beliefs, your sexual orientation or any criminal convictions or proceedings against you) on the Forums. Posting Personal Information on a Forum means your information is viewable and collectable by other users and visitors of MoneyVista. We are not responsible for the use of that information by those members or visitors.

6.4 Special rules apply to your use of the Forums. For more information about how to use MoneyVista and these services, please consult our Terms of Use.

7. THIRD PARTY SITES

There are a number of places on MoneyVista where you may click on a link to access other websites that do not operate under this Privacy Policy. These third party websites may independently solicit and collect information, including by cookies, and this may include collecting Personal Information. We recommend that you consult the privacy statements of all third party websites you visit by clicking on the "privacy" link typically located at the bottom of the webpage you are visiting.

8. ACCESSING YOUR INFORMATION

8.1 You can review and update your Personal Information by logging in and visiting the "My Account" section of MoneyVista.

8.2 If you have registered with us, you also may choose to de-activate your registration at any time by contacting us in accordance with section 13. After you de-activate your registration, you will not be able to sign in to MoneyVista or access any of your Personal Information through it. If you de-activate your registration, we may still retain certain information associated with your account for up to 7 years to enable us to reactivate it, for analytical purposes and recordkeeping integrity, as well as to prevent fraud, enforce our terms and conditions, take actions we deem necessary to protect the integrity of MoneyVista or our users, or take other actions otherwise permitted by law. In addition, if certain information has already been provided to third parties as described in this Privacy Policy, retention of that information will be subject to those third parties' policies.

9. YOUR CHOICES ABOUT COLLECTION AND USE OF YOUR INFORMATION

9.1 When you register for MoneyVista, you can decide how often and by which of the available means you would like to receive communications from us. You can modify your choices at any time by visiting the "My Account" section of MoneyVista.

9.2 You can choose not to provide us with certain information but that may prevent you from registering, subscribing and making full use of MoneyVista.

9.3 You also will be given the opportunity, in any marketing emails that we send to you, to opt out of receiving such messages in the future. It may take up to 10 days for us to process an opt out request.

9.4 We may send you other types of transactional and relationship email communications, such as service announcements, administrative notices, research and surveys, without offering you the opportunity to opt out of receiving them.

10. PRIVACY OF MINORS

Although MoneyVista is a general audience site, we restrict the use of our subscription service to individuals aged 18 years and above. We do not knowingly collect Personal Information from individuals under the age of 18.

11. NO RIGHTS OF THIRD PARTIES

This Privacy Policy does not create rights enforceable by third parties.

12. CHANGES TO THIS PRIVACY POLICY

Please check this Privacy Policy regularly for changes. We will occasionally update this Privacy Policy to reflect changes in our practices and services. When we post changes to this Privacy Policy, we will revise the "Last updated" date at the bottom of this Privacy Policy. If we make any material changes in the way we collect, use, and/or share your Personal Information, we will notify you by sending an email to the email address you most recently provided us in your account, profile or registration (unless we do not have such an email address), and/or by prominently posting notice of the changes on MoneyVista. We recommend that you check MoneyVista from time to time to inform yourself of any changes in this Privacy Policy or any of our other policies.

13. HOW TO CONTACT US

If you have any questions about this Privacy Policy or about how we handle your Personal Information, please contact us using the online facility.

 

Last updated: 16^th May 2012