Your Privacy Matters: Data
Protection

Moneo Financial Services Ltd (“us”, “we”, or “our”) operates the www.moneofinancialservices.com website (the “Service”).

Your data is a matter of trust for us. It goes without saying that we only collects personal data that is absolutely necessary to fulfil its tasks (data economy). Stored data is carefully managed and protected against misuse of any kind.

This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data.

We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible from www.moneofinancialservices.com

Service

Service refers to the www.moneofinancialservices.com website operated by Moneo Financial Services Ltd.

Personal Data

Personal Data means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).
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Usage Data

Usage Data is data collected automatically either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
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Cookies

Cookies are small pieces of data stored on your device (computer or mobile device).
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Data Controller

Data Controller means the natural or legal person who (either alone or jointly or in common with other persons) determines the purposes for which and the manner in which any personal information are, or are to be, processed.
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For the purpose of this Privacy Policy, we are a Data Controller of your Personal Data.

Data Processors
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Data Processor (or Service Provider) means any natural or legal person who processes the data on behalf of the Data Controller.

We may use the services of various Service Providers in order to process your data more effectively.

Data Subject

Data Subject (or User) is any living individual who is using our Service and is the subject of Personal Data.
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Information Collection and Use

We collect several different types of information for various purposes to provide and improve our Service to you.

Personal Data

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally identifiable information may include, but is not limited to:

1) Email address
2) First name and last name
3) Phone number
4) Address, State, Province, ZIP/Postal code, City
5) Cookies and Usage Data

We may use your Personal Data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or instructions provided in any email we send.
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Usage Data

We may also collect information on how the Service is accessed and used (“Usage Data”). This Usage Data may include information such as your computer’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
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Location Data

We may use and store information about your location if you give us permission to do so (“Location Data”). We use this data to provide features of our Service, to improve and customise our Service.

You can enable or disable location services when you use our Service at any time, through your device settings

Data When Filling Out A Form

If you fill out a form on our website, we process the data that you provide to us insofar as this is necessary to fulfil the processing purpose or to complete the order. As a rule, all information is voluntary. Mandatory fields are only marked as such if this information is necessary for the fulfilment of our legal task or your request. This data will be deleted at the latest when the statutory retention period has expired.
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Tracking Cookies Data

Like many websites, our site may use cookies by default. A cookie is a small text file that is sent to your computer or other device by the websites that you visit. Cookies may be used in order to enhance user experience of our site and/or provide us with data that can help us to improve our site. By using our site, you agree to the use of cookies for such purposes. You can refuse to accept cookies by modifying the settings in your browser. If you do refuse to accept cookies, you may not be able to use all of the features of our site.
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Examples of Cookies we use:

1) Session Cookies: We use Session Cookies to operate our Service.
2) Preference Cookies: We use Preference Cookies to remember your preferences and various settings.
3) Security Cookies: We use Security Cookies for security purposes.

Use of Data

Moneo Financial Services uses the collected data for various purposes:
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1) To provide and maintain our Service
2) To notify you about changes to our Service
3) To allow you to participate in interactive features of our Service when you choose to do so
4) To provide customer support
5) To gather analysis or valuable information so that we can improve our Service
6) To monitor the usage of our Service
7) To detect, prevent and address technical issues
8) To provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or inquired about unless you have opted not to receive such information

Legal Basis for Processing Personal Data Under General Data Protection Regulation (GDPR)

If you are from the European Economic Area (EEA), Moneo Financial Services legal basis for collecting and using the personal information described in this Privacy Policy depends on the Personal Data we collect and the specific context in which we collect it.
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Moneo Financial Services may process your Personal Data because:

1) We need to perform a contract with you
2) You have given us permission to do so
3) The processing is in our legitimate interests and it’s not overridden by your rights
4) To comply with the law

Retention of Data

Moneo Financial Services will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

Moneo Financial Services will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer time periods.

Transfer of Data

The activities of Moneo Financial Services may require personal data to be transferred and/or processed outside the UK and/or the EEA.

In circumstances where we transfer personal data outside the UK and/or the EEA, we will seek to ensure a similar degree of protection is afforded to it by ensuring that personal data is generally transferred only to persons in countries outside the UK and/or the EEA in one of the following circumstances:

1) To persons and undertakings in countries that have been deemed to provide an adequate level of protection for personal data by the European Commission and/or the Secretary of State in the UK.
2) To persons and undertakings to whom the transfer of such personal data is made pursuant to a contract that is compliant with the model contracts for the transfer of personal data to third countries from time to time approved by the European Commission and/or the Secretary of State in the UK.
3) If otherwise in compliance with the GDPR, for example where you have consented to the transfer.
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Further information on specific mechanisms utilised by Moneo Financial Services for transferring personal data outside the EEA and the countries to which such transfer may be made may be obtained from us.

Disclosure for Law Enforcement

In some situations, we might have to disclose your Personal Data as required by law or upon valid requests from public authorities, such as courts or government agencies.

Legal Requirements

We may disclose your Personal Data in the good faith belief that such action is necessary to:

1) To comply with a legal obligation
2) To protect and defend the rights or property of Moneo Financial Services
3) To prevent or investigate possible wrongdoing in connection with the Service
4) To protect the personal safety of users of the Service or the public
5) To protect against legal liability

Security of Data

Website: During your visit to our website, we use encrypted data communication based on TLS, in conjunction with the highest level of encryption your browser supports. You can identify encrypted pages by the closed key or lock symbol in your browser's address bar.

General data processing: Additionally, we implement suitable technical and organisational security measures to protect your data from accidental or deliberate manipulation, partial or complete loss, destruction, or unauthorised access by third parties. Our security measures correspond with the current state of the art.
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“Do Not Track” Signals

We don't support "Do Not Track" (DNT) signals. DNT is a browser preference indicating that you don't want to be tracked online. You can enable or disable DNT in your browser settings.
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Your Data Protection Rights Under the General Data Protection Regulation (GDPR)

With effect from 25 May 2018, the EU General Data Protection Regulation (Regulation (EU) 2016/679) (together with applicable implementing laws, (“EU GDPR”) will apply, and/or the EU GDPR as it forms part of the laws of the United Kingdom by virtue of section 3 of the European Union (Withdrawal) Act 2018 and as amended by the Data Protection, Privacy and Electronic Communications (Amendments etc.) (EU Exit) Regulations 2019 (the “UK GDPR”, and, together with the EU GDPR, the “GDPR”) applies, to the extent relevant, to the processing of personal data by Moneo Financial Services in the course of their businesses, and certain other persons. This notice sets out information relating to those activities.

If you're an European Economic Area (EEA) resident, you possess certain data protection rights. We strive to provide you with the ability to correct, amend, delete, or limit the usage of your Personal Data.

To find out what Personal Data we have on file for you or to request its removal from our systems, please contact us.

Please note that you should try to resolve any issues with us first before contacting the ICO. We are committed to working with you to address any concerns and find an appropriate solution.
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To lodge a complaint, you should contact the Information Commissioner's Office (ICO) in the United Kingdom, as Moneo Financial Services is a London-based company and falls under English law. You can find more information on how to report a concern on the ICO's website: https://ico.org.uk/make-a-complaint/
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In specific circumstances, you have the following data protection rights:
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1) The right to access, update, or delete your information: You can access, update, or request deletion of your Personal Data by contacting us for assistance.
2) The right to rectification: If your information is inaccurate or incomplete, you have the right to request a correction.
3) The right to object: You have the right to object to our processing of your Personal Data.
4) The right to restriction: You can request that we limit the processing of your personal information.
5) The right to data portability: You have the right to receive a copy of your data in a structured, machine-readable, and commonly used format.
6) The right to withdraw consent: You can withdraw your consent at any time if we relied on it to process your personal information.

Please note that we might ask you to verify your identity before responding to such requests.
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Retention of Data

We will retain your Personal Data only for as long as necessary for the purposes outlined in this Privacy Policy. We'll keep and use your Personal Data to comply with our legal obligations, resolve disputes, and enforce our legal agreements and policies.

Usage Data might be retained for internal analysis purposes. Generally, this data is stored for a shorter duration, unless it's used to enhance security or functionality, or if we're legally obliged to keep it for longer periods.

Service Providers

We may collaborate with third-party companies and individuals to facilitate our Service, provide the Service on our behalf, perform Service-related tasks, or help us analyze how our Service is used.

These third parties can access your Personal Data only to perform tasks for us and are contractually obliged not to disclose or use it for any other purpose.

We may use third-party Service Providers to monitor and analyse the use of our Service.

Google Analytics

Google Analytics is a web analytics service provided by Google that tracks and reports website traffic. Google uses the collected data to monitor and evaluate our Service usage. This data might be shared with other Google services and used to personalise and contextualise ads on Google's advertising network.

To opt-out of sharing your activity on our Service with Google Analytics, you can install the Google Analytics opt-out browser add-on. This add-on prevents Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information about your visit activity with Google Analytics.

For more information on Google's privacy practices, please visit the Google Privacy Terms web page: https://policies.google.com/privacy?hl=en

Our Service may contain links to third-party sites that we don't operate. If you click on a third-party link, you'll be directed to that site. We strongly recommend reviewing the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of third-party sites or services.

Our Service isn't intended for anyone under 18 years old ("Children"). We don't knowingly collect personally identifiable information from anyone under 18. If you're a parent or guardian and aware that your child has provided us with Personal Data, please contact us. If we learn that we've collected Personal Data from children without verifying parental consent, we'll take steps to remove that information from our servers.

We advise you to review this Privacy Policy regularly for any changes. Changes to this Privacy Policy become effective when posted on this page.

By using our Service, you acknowledge that you have read and understood this Privacy Policy. We encourage you to familiarise yourself with the privacy practices of our company to better understand how we collect, use, and protect your personal information.

Remember that it's essential to stay informed about any changes to our Privacy Policy, as changes become effective when they are posted on this page. Your continued use of our Service signifies your acceptance of any updates or modifications to this Privacy Policy.

To contact us, please email: contact@moneofinancialserivces.com