PRIVACY

This page explains how we store share and analyse your or submitted personal data and is governed by the General Data Protection Regulations 2016.

PRIVACY POLICY

Money Global Limited has created this Privacy Policy in order to demonstrate our firm and continuing commitment to the privacy of personal information provided by those visiting and interacting with:

  • Money Global website and related applications;
  • MoneySmrt website and applications;
  • Payrolld website and applications;
  • Smart TV channels and networks including (Roku, Apple TV, Amazon Fire, Youtube, Facebook TV and streaming, Instagram, Snapchat, Daily Motion, Vimeo and any other television and media platforms or services);
  • Money Global Advertising & Marketing Platform;
  • Social media and messaging applications; and
  • Social media accounts


We hold the privacy of your personal information in the highest regard. The following discloses our information gathering and dissemination practices across Money Global’s platforms, services, websites and associated products.

We recognise the importance of protecting your privacy and our policy is designed to assist you in understanding how we collect, use and safeguard the personal information you provide to us and to assist you in making informed decisions when using our services. This policy will be continuously assessed against new technologies, business practices, legal requirements and our customers’ needs.

What Information Do We Collect?

Websites

When you visit our websites you may provide us with two types of information: personal information you knowingly choose to disclose that is collected on an individual basis, and Website use information collected on an aggregate basis as you and others browse our Web site.

  1. Personal Information You Choose to Provide:

Registration Information                  .
When you register for any of our products, services, social and networking communities or newsletters you will provide us information about yourself.


This includes but is not limited to:

  • Your full name
  • Date of birth
  • Address
  • Email address
  • Password (for this website and our services)
  • Social media accounts details
  • Your IP Address
  • Third party website behaviour and interactions including social media activities

Credit/Debit Card Information                                                                        .
If you choose to avail of our services, you may need to give personal information and authorisation to obtain information from various credit services. For example, you may need to provide the following information:


-Name
-Address
-Email address
-Debit/Credit card number
-Name on credit card
-Debit/Credit card billing address
-Security number
-Business and home phone number

 

Email Information


If you choose to correspond with us through email, we may retain the content of your email messages (and any attachments) together with your email address and our responses. We provide the same protections for these electronic communications that we employ in the maintenance of information received by mail and telephone.

 

  1. Web Site Use Information

Similar to other commercial Web sites, our Web site utilises a standard technology called “cookies” (see explanation below, “What Are Cookies?”) and web server log files to collect information about how our Website is used. Information gathered through cookies and Web server logs may include the date and time of visits, the pages viewed, time spent at our Web site, and the Web sites visited before and after our Website, links clicked and actions taken.

If you do not wish us to retain cookies then you can configure your cookie settings in your browser settings or discontinue using the MoneySmrt website. Additionally, note that if you turn off accepting cookies you may not get the full benefits of this website.

How Do We Use the Information That You Provide to Us?

Broadly speaking, we use personal information for purposes of administering our business activities, providing the products and services you requested, to process your payment, to monitor the use of the service, our marketing and promotional efforts and improve our content and service offerings, and customise our site’s content, layout, services and for other lawful purposes. These uses improve our site and better tailor it to meet your needs.

Furthermore, such information may be shared with others on an aggregate basis. Personal identifiable information or business information will not be shared with parties except as required by law or your expressed consent.

Occasionally, we may also use the information we collect to notify you about important changes to our Website, new services, and special offers we think you will find valuable. You may notify us at any time if you do not wish to receive these offers by emailing us at the link provided in the newsletter or communication methods.

What Are Cookies?

A cookie is a very small text document, which often includes an anonymous unique identifier. When you visit a website, that site’s computer asks your computer for permission to store this file in a part of your hard drive specifically designated for cookies. Each website can send its own cookie to your browser if your browser’s preferences allow it, but (to protect your privacy) your browser only permits a website to access the cookies it has already sent to you, not the cookies sent to you by other sites. Browsers are usually set to accept cookies. However, if you would prefer not to receive cookies, you may alter the configuration of your browser to refuse cookies. If you choose to have your browser refuse cookies, it is possible that some areas of our site will not function as effectively when viewed by the users. A cookie cannot retrieve any other data from your hard drive or pass on computer viruses.

How Do We Use Information We Collect from Cookies?

As you visit and browse our website, the site uses cookies to differentiate you from other users. In some cases, we also use cookies to prevent you from having to log in more than is necessary for security. Cookies, in conjunction with our webserver’s log files, allow us to calculate the aggregate number of people visiting our website and which parts of the site are most popular. This helps us gather feedback to constantly improve our website and better serve our clients. Cookies do not allow us to gather any personal information about you and we do not intentionally store any personal information that your browser provided to us in your cookies.

IP Addresses

IP addresses are used by your computer every time you are connected to the Internet. Your IP address is a number that is used by computers on the network to identify your computer. IP addresses are automatically collected by our webserver as part of demographic and profile data known as traffic data so that data (such as the webpages you request) can be sent to you.

This may be shared with third party advertisers and publishers to track any clicks or views of third party content you view on any of our websites or our Publishers.

Sharing and Selling Information

We do not share, sell, lend or lease any of the information that uniquely identify a subscriber (such as email addresses or personal details) with anyone except to the extent it is necessary to process transactions or provide services that you have requested.

How Can You Access and Correct Your Information?

You may request access to all your personally identifiable information that we collect online and maintain in our database by emailing us at the usual address.

What About Legally Compelled Disclosure of Information?

We may disclose information when legally compelled to do so, in other words, when we, in good faith, believe that the law requires it or for the protection of our legal rights. We may also disclose account information when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating our Terms of Service or to protect the safety of our users and the Public.

What About Other Websites Linked to Money Global’s Websites?

We are not responsible for the practices employed by websites linked to or from one of Money Global’s websites or the information or content contained therein. Often links to other websites are provided solely as pointers to information on topics that may be useful to the users of our website.

Please remember that when you use a link to go from our website to another website, our Privacy Policy is no longer in effect. Your browsing and interaction on any other website, including websites, which have a link on one of our websites, is subject to that website’s own rules and policies. Please read over those rules and policies before proceeding.

Money Global receives revenue from advertisers across our brand’s platforms and websites in which cookie information may be shared with those advertisers.

Third Parties Access

Money Global uses third party applications, software and tools to ensure that you get the best experience possible when using our websites, applications and platforms. As such third parties may place cookies on your computer by you using our services.

Your Rights Under The General Data Protection Regulation 2016

  • The right to be informed.
  • The right of access.
  • The right to rectification.
  • The right to erasure.
  • The right to restrict processing.
  • The right to data portability.
  • The right to object.
  • Rights in relation to automated decision making and profiling

 

Your rights in more details:

The Right to Be Informed

We must inform you of the rights you can exercise against us. We must also tell you how we use and share your data.

The Right of Access

You have the right to request all the data we hold on you. We will not charge for this request.

The Right to Rectification

You have the right to request for us to rectify any error or omissions to the personal details we hold on you.

The Right to Erasure

You have the right to request for us to delete all information that we hold on you where we do not have the right to retain that data.

The Right to Restrict Processing

You have the right to request for us to not share your data in its entirety with a third party.

The Right to Portability

You have the right to request your data to be given to you in a format that means it can easily be moved to another organisation or application.

 

 

The Right to Object

You have the right to object to the way we use your personal data. However, if you object to us using your personal data in a way that is integral to our products and services you will not be able to continue using them.

Rights in relation to automated Decision Making and Profiling.

You have the right to withdraw your consent to us using or sharing your personal data where there is a legitimate legal requirement.

Your Consent

By using our Website or our Applications or Platforms you consent to our collection and use of your personal information as described in this Privacy Policy. We reserve the right to amend this privacy policy at any time with or without notice.

Our Commitment To Data Security:

Please note that your information will be stored and processed on our computers in the United Kingdom and European Union. The laws on holding personal data in the United Kingdom and the European Union may be less stringent than the laws of your Country of residence or citizenship. To prevent unauthorised access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online. [See below for Payrolld data protection and security specific terms].

Choice/Opt-In/Opt-Out

Our sites and applications allows visitors to unsubscribe so that they will not receive future messages. After unsubscribing we will discontinue sending the particular messages as soon as technically feasible.

Surveys & Contests

From time-to-time our sites and applications requests information from users via surveys or contests. Participation in these surveys or contests is completely voluntary and the user therefore has a choice whether or not to disclose this information. Information requested may include contact information (such as name and shipping address), and demographic information (such as post code, age level). Contact information will be used to notify the winners and award prizes. Survey information will be used for purposes of monitoring or improving the use and satisfaction of this site.

A Special Note About Children

Children are not eligible to use our services unsupervised and we ask that children (under the age of 18) do not submit any personal information to us without the expressed parent or guardian consent. If you are a minor, you can use this service only in conjunction with permission and guidance from your parents or guardians.

Acquisition or Changes in Ownership

In the event that Money Global (or a substantial portion of its assets) is acquired, your information would be considered part of those assets, and may be part of those assets that are transferred. As such, your personal information may be viewed and retained by parties to the acquisition or change of ownership.

Policy Modifications

We may change this Privacy Policy from time to time. We will post any changes here, so be sure to check back periodically. However, please be assured that if the Privacy Policy changes in the future, we will not use the personal information you have submitted to us under this Privacy Policy in a manner that is materially inconsistent with this Privacy Policy, without your prior consent.

Data Protection and Jurisdiction

This websites operates under the laws of England and Wales an therefore we are governed by Data Protection laws of England and Wales.

This Privacy Statement was created for Money Global and its websites, applications and platforms and shall not be replicated or copied in any way other than those who have obtained prior permission to do so.

 

 

Payrolld App Privacy Policy

 

The Payrolld App Privacy Policy shall be interpreted along side the General Privacy Policy. Where conflicts or additions arises between the two, terms from the Payrolld App Privacy Policy shall take precedence over terms of the General Privacy Policy.

Data Processing

By its nature the Payrolld App processes data submitted by Credit Union and the Payroll Deduction Partners of the Credit Union. Data processed by the Payrolld App includes:

  • Membership numbers
  • Amounts saved or repaid for Credit Union services
  • Number of savers from each Payroll Deduction Partner
  • Name of Credit Union officers
  • Name of Payroll Deduction Partner officers
  • Contact information, including email and telephone of Credit Union and Payroll Deduction Partner officers.
  • Promotional material generated by Credit Union
  • Any other personal identifiable data processed by being sent through the messaging system

 

Payrolld App will only process data outlined above only and where further data is needed or used Credit Union and Payroll Deduction Partners will be notified prior to processing the new information.

Security

We have ensured that our security of the Payrolld App is resilient against attacks including (though not limited to):

  • Password hacking
  • Unauthorised access
  • Data theft
  • System disruption

Passwords

We manually create passwords for each new user to the Payrolld App using standard password security standards. Users are then able to change their access password to customise them towards their business.

The Payrolld App has an internally applied maximum number of login attempts to prevent brute force attacks on the Payrolld App. Where an attempted attack occurs that User will be temporarily suspended from  accessing Payrolld App and an investigation launched on recurring breaches.

Access

Users are pre-created by Payrolld staff and the Payrolld App is only to be accessed by those Users. Any unauthorised access will result within the temporary suspension or permanent exclusion from the Payrolld App.

The manual process ensures that the correct Users and the correct data is delivered to the correct person.

Data Theft

We use industry standard encryption with SSL integration as well as encryption of aspects of the dashboard for each User. Files are further protected by user permission meaning that in the remote chance that a file is located by an unauthorised third party, they will be prevented from viewing the file.

Files are automatically deleted when a new version is submitted by the User. However, some versions may remain in back-ups stored on back-up servers.

We also track IP addresses, in which identified malicious IP addresses will be banned from accessing the Payrolld App.

Robots and Spiders are also banned from accessing and processing the Payrolld App for added protection against data breaches.

System Disruption

Failed attempted access and IP tracking and black listing both helps to ensure that Payrolld App is not attacked by a malicious User. The manually created structuring of the individual User dashboards helps to ensure that such attacks and disruptions are kept at a minimum.

Data Storage and Backups

Data submitted and processed by the Payrolld App is stored within a secure server. Backups of data is also stored within an encrypted environment ensuring maximum security.

Data stored within the system are generally stored for a maximum of the following:

  • Inserted statistics – stored indefinitely. (This includes totals of data entered and statistic updates).
  • Files – until a new version is submitted. (This includes payroll deduction submissions).
  • Personal data – until new version is submitted (this includes email address and names).
  • Backups – for 3 months (this includes Files submitted that were captured within the backup).
  • Logos – indefinitely, until updated version provided
  • Images for promotions – until new version is submitted.

Backups carried out regularly and typically prior to updates or editions. This is to ensure potential for data loss is limited.

Date: 28/03/19

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