This Privacy Policy explains how MoneyWise (“we”, “us”, “our”) collects, uses, and protects your personal data when you visit our website. We are committed to handling your information responsibly and in line with the EU General Data Protection Regulation (GDPR) and other applicable data protection laws.
MoneyWise is an independent personal-finance blog that publishes general educational information. It sells nothing and is not a licensed financial, investment, tax, or legal advisor.
Who we are
The data controller responsible for your personal data is:
- Owner / controller: [Complete: legal name of site owner or company]
- Registered address: [Complete: postal address]
- Registration / company number, if applicable: [Complete: registration number]
- Contact email: hello@msj-frb.net
- Data protection contact, if appointed: [Complete: DPO name and email, if applicable]
What data we collect
We aim to collect as little personal data as possible. Depending on how you use our site, we may collect the following.
Comments
When you leave a comment on an article, we collect the information shown in the comment form. This may include your name, email address, website (if provided), the comment content, and your IP address and browser user-agent string (which help us detect spam).
Analytics and cookies
We use website analytics and cookies to understand how visitors use our site and to keep it working properly. This may include your IP address (often shortened or anonymised), device and browser type, pages viewed, referring website, and general location (such as country or region). For full details of the cookies we use and how to control them, please see our Cookie Policy.
Contact and correspondence
If you email us or contact us through the site, we collect the details you choose to share, such as your name, email address, and the content of your message.
Why we use your data and our legal basis
Under the GDPR, we must have a valid legal basis for using your personal data. The table below summarises how and why we process it.
| Purpose | Data used | Legal basis |
|---|---|---|
| Publishing and managing comments | Name, email, website, comment, IP, user-agent | Consent, and our legitimate interest in running a moderated community |
| Preventing spam and abuse | IP address, user-agent | Legitimate interest in site security |
| Measuring and improving the site (analytics) | Usage data, cookies, approximate location | Consent (where required by law) |
| Responding to your enquiries | Name, email, message content | Legitimate interest in replying to you, or consent |
| Meeting legal obligations | Relevant records as required | Legal obligation |
Where we rely on consent, you may withdraw it at any time without affecting the lawfulness of processing carried out before withdrawal.
How long we keep your data
- Comments: retained indefinitely so that follow-up comments can be recognised and displayed, unless you ask us to remove them.
- Analytics data: retained for [Complete: retention period, e.g. 14 or 26 months], after which it is deleted or anonymised.
- Emails and correspondence: kept only for as long as needed to handle your request and for a reasonable period afterwards.
When data is no longer needed, we securely delete or anonymise it.
Third parties who may process your data
We may share data with trusted service providers who help us operate the site. These may include:
- Website hosting and content delivery providers
- Analytics providers
- Anti-spam and security services
- Email delivery providers
These providers act on our instructions and only for the purposes described above. Specific providers we use are listed here: [Complete: names of hosting, analytics and other processors]. Some providers may process data outside your country or the European Economic Area; where this happens, we take steps to ensure appropriate safeguards are in place, such as Standard Contractual Clauses. We do not sell your personal data.
Your rights
Under the GDPR, you have the following rights regarding your personal data:
- Access a copy of the data we hold about you
- Rectification of inaccurate or incomplete data
- Erasure of your data (“right to be forgotten”), where applicable
- Restriction of how we process your data
- Objection to processing based on legitimate interests
- Data portability, to receive your data in a portable format
- Withdrawal of consent at any time
To exercise any of these rights, please email us at hello@msj-frb.net. We will respond within the timeframe required by law.
Complaints to a supervisory authority
If you believe we have not handled your personal data properly, you have the right to lodge a complaint with a data protection supervisory authority. You may contact the authority in your country or region of residence: [Complete: name and website of your national supervisory authority]. We would, however, appreciate the chance to address your concerns first, so please feel free to contact us directly.
Cookies
We use cookies and similar technologies to help the site function and to understand how it is used. You can control or disable cookies through your browser settings and, where offered, through our cookie banner. For full details, please read our Cookie Policy.
Children’s privacy
Our site is intended for a general adult audience and is not directed at children. We do not knowingly collect personal data from children. If you believe a child has provided us with personal data, please contact us so we can remove it.
Important note on our content
The information published on MoneyWise is general educational content only. It is not personalized financial, investment, tax, or legal advice, and MoneyWise is not a licensed advisor. Any figures or examples are illustrative and are not guarantees of results. All investing carries risk, including the possible loss of money. Before making any financial decision, please consult a qualified, licensed professional who can consider your individual circumstances.
Changes to this policy
We may update this Privacy Policy from time to time to reflect changes in our practices or the law. Any updates will be posted on this page with a revised date below. We encourage you to review it periodically.
Contact us
If you have any questions about this Privacy Policy or how we handle your data, please email us at hello@msj-frb.net.
Last updated: [Complete: date]