Privacy Policy

Effective Date: 18th May 2024

Mintify is dedicated to enhancing the financial well-being of people throughout the United Kingdom. Our purpose is to bring clarity to all aspects of financial decision making and we do this by providing zero cost to consumer market insights, research findings, data and the necessary resources needed to empower UK consumers to make informed decisions that they can trust, feel confident in and that best suits their unique financial goals and needs.

Integrity, accuracy and independence are core values that are central to our mission and upholding the highest standards of data protection to safeguard and protect the personal identifiable information of our customers is fundamental to our mission and business.

Table of Contents

 

1.0.   Introduction & Overview

This Privacy Policy (“Policy”) of Mintify Limited, a company registered in England & Wales, registration number 15163923 and registered office at 6501, 321-323 High Road, Chadwell Heath, Essex, RM6 6AX (“Mintify” “we” “us” or “our”), outlines how your personally identifiable information and other information about you (your “user information”) will be collected, used, and shared in connection with your access to and/or use of mintify.uk (the “Site”) and any content, features, services, or other offerings that we may provide (collectively, our “Services”). This includes email communications or newsletters that we may send in connection with your use of the Site. This Privacy Statement also describes your choices and rights regarding the use, access to and correction or deletion of your user information in compliance with the United Kingdom General Data Protection Regulation (UK GDPR) and the guidelines set forth by the Information Commissioner’s Office (ICO).

Mintify has appointed a Data Protection Officer whose contact information can be found here.

By using the Site and/or Services, you acknowledge that you understand that we will use your user information in accordance with this Privacy Policy. Where required by law, you will also be asked to provide clear and unequivocal affirmative consent to the collection, processing, and sharing of your user information via cookies and similar technologies. This Site is operated by Mintify.

2.0.   What this Privacy Policy covers

This Privacy Policy covers the Site and our Services only. While you may encounter links on the Site or Services to other websites, such as those relating to social media, please note that these websites are not covered by this Privacy Policy.

The privacy and information practices of those third parties are not covered by this Privacy Policy. To learn more about such third party policies, we encourage you to read and review the privacy statements of each third party service that you may choose to use. This Privacy Policy applies only to user information collected by us.

3.0.   Types of Personal Information we collect

We collect user information when you use the Site. Sometimes you may submit user information to us directly and other times it may be collected automatically. You can manage and change your preferences as outlined below.
 

Information collected directly from you:

We gather information directly from you when you engage with our Site and Services. This includes when you register to receive marketing communications or complete forms and other fields on our Site. The information we may request from you includes:

  • Your name
  • Email address
  • Mailing address
  • Phone number
  • Registration details, such as a username and password

Additionally, when you communicate with us via email, phone, or other means, we may collect the content of these communications.
 

Information collected automatically when you visit the Site:

When you visit the Site, use our Services or open an email from Mintify, certain information is automatically received and recorded from your computer, web browser, and/or mobile device, including, but not limited to:
 

  • IP address or other device identifiers
  • Web browser and device operating system
  • Web pages or sites that referred you to our site or that you navigate to from our site
  • Pages you view on our site
  • Your actions on our site, such as the electronic path you take through it and your interactions, including clicks and other engagements (referred to as “Clickstream Data”)
  • Dates and times of your visits, access, or use of our Site and/or Services

3.1.   Cookies

When you use our Site, we may place one or more Cookies on your browser. These Cookies often contain unique identifiers that may be considered user information. It is important to note that our Cookies do not contain information that directly identifies you, such as your name, email address, or phone number. In particular, we and our partners use cookies and similar technologies on the Site for our business purposes of personalising and optimising your browsing experience and the Site by: 

  • administering the Site and Services
  • safeguarding our Site and Services against spam and malware
  • analysing trends, traffic, and user behaviour
  • gathering demographic information about our user base
  • performing location-related functions and analytics
  • learning about ways to enhance our Site and its different components
  • remembering your preferences and voluntarily-submitted user information
  • providing you with relevant content and advertisements
  • tracking web and advertising analytics throughout the Site and its affiliate websites
  • enabling social media features
  • participating in market research

Cookies fall into the following subcategories:

Required Cookies.

Certain cookies are used for specific purposes that are essential to ensure the secure use and navigation of the Site. Without them, Mintify may not be able to provide core Site functionality and the Site would not operate as well as you or we would like. These cookies collect and use information such as your server preferences, single-session data and corresponding identifier, web beacons and log files (detailed in 3.2), and other credential-related information.

Functional Cookies.

Other cookies may be used to collect and process information about your preferences and similar choices in connection with the Site in order to optimise your experience. Functional cookies include social media cookies, which collect information about your social media usage and other data you may have provided in connection with such usage (if you access the Site through a social media website or mobile application, you may have social media cookies). If you wish to modify or change your social media cookies, please visit and review the settings on your applicable social media account(s). Functional cookies also include analytics cookies, which provide us with data that allows us to better understand our users and improve the Site based on what we have learned from that data.

Advertising and Targeting Cookies.

To help support the Site and personalise your experience using our Services, Mintify and its advertising partners (and/or their third-party analytics providers) may use cookies on the Site to deliver advertisements that are more relevant to you and your interests. Such advertisements use cookies to provide you targeted advertisements that may be more consistent with your interests than non-targeted advertisements. They may also be used to limit the number of times you see an advertisement and to measure the effectiveness of advertising campaigns. Some of our advertising partners may also use cookies to monitor or track the performance of their advertising content, including native advertising content. Mintify does not provide user information to advertising partners except in connection with the Site or as required by law.

If you would like to manage your cookie preferences or learn more information about this practice and your right to decline (or opt-out of) cookies placed by some or all of these companies, you can review our Cookie Policy or contact us using the information provided in section 11.0. Please be aware that if you do choose to disable the receipt of cookies from our Site, you may not be able to use or benefit from certain features of the Site, particularly the features that are designed to personalise your experience. Most web browsers automatically accept cookies, but generally allow users to modify their browser settings to display a warning before accepting a cookie, to accept cookies only from certain websites, and/or to refuse all cookies. If you want to use your web browser to control our cookies, please review your web browser settings or contact us for assistance.

3.2.   Web Beacons

We may use web beacons (invisible images often referred to as pixel tags or clear GIFs) on our Site for the business purposes of recognising users, assessing traffic patterns, identifying preferred content and measuring site engagement. We may also include web beacons in our email communications, including newsletters, in order to measure engagement with our communications (i.e. to count how many, and when, email communications have been opened, or which links in such communications have been clicked on).

Mintify and its partners (including advertisers, ad servers, and affiliate link e-commerce providers) may also use web beacons to collect various data provided by your browser while you are on our Site and elsewhere (i.e. outside of the Site) where we may be acting as a third party. This data is collected in the aggregate, but may include or be associated with other user information that users have voluntarily submitted. As we do not control or have access to the manner in which these third parties may use cookies or other tracking technologies, Mintify is not responsible for the privacy practices of these third parties. If you have questions about any of these third parties, we encourage you to review their corresponding privacy policies.

4.0.   How we use your Personal Information

Your information is vital to ensuring we are able to continue providing zero cost to consumer market insights, research findings, data and the necessary resources needed to empower UK consumers to make informed decisions that they can trust, feel confident in and that best suits their unique financial goals and needs. We use it in various ways to provide our Services and operate our business. Some of the primary purposes for which we use your information include:
 

  • Maintaining and enhancing our Site and Services, including the development of new features and functionality.
  • Analysing usage patterns and user preferences across different devices to better understand and serve our users.
  • Implementation of fraud detection and ongoing information security.
  • Using your email address or other personal information for internal compliance purposes, such as customer service communication, addressing intellectual property, privacy rights, or defamation concerns related to content posted on our Site and/or Services. Additionally, we may use your email address and other personal information to send you promotional materials, offers, and messages related to our Services and activities conducted in partnership with third parties. You have the option to opt out of receiving promotional communications through links provided in these messages or by adjusting your account preferences (where applicable) within our Services.
  • Providing you with the Services you request and facilitating interactions with non-affiliated third parties offering additional services.
  • Leveraging Cookie Information and automatically collected Information to personalise our services, streamline your experience by remembering your information for future visits, offer customised advertisements, content, and information across your devices, evaluate the effectiveness of our Site and Services and third-party marketing initiatives, monitor aggregate site usage metrics, and track your participation, submissions, and status in promotions and other activities.

Data protection laws require us to specify the basis on which we process your information. Under the UK General Data Protection Regulation (UK GDPR), the lawful bases we rely on for for collecting and using your personal information depends on the type of information and the specific context in which we collect it:

Performance of a Contract

We may use your personal information when it is necessary to fulfil the terms and conditions or other policies governing the provision of our Services. In order to provide you with the services related to using the Site and managing your account we will:

  • Search the websites of financial institutions to provide you with accurate data and access information required to provide you with the relevant services you are requesting.
  • Administer your account.

We need to process your personal information because it is necessary to perform the contract that we have in place with you when using our Site and/or Services.

Consent

We may rely on your consent to use technical information, such as data from marketing and analytical cookies, as well as your personal information for marketing purposes. You have the right to withdraw your consent at any time, either by contacting us using the information provided at the end of this Privacy Policy or by following the unsubscribe link in any marketing communication you receive from us.

Legitimate Interests

We may utilise your personal information for legitimate interests, such as improving our Site and/or Services, enhancing security, preventing fraud, and sharing information with our affiliates for internal administrative purposes. In these instances, we ensure that our interests do not override your data protection rights or fundamental freedoms. Our basis for legitimate interests is to enable you to access and use the Site and Services include:

  • Enabling you to specify and narrow your search in order to provide comparisons for the products you are looking to review.
  • Communicating to you about your usage of the Site, for example by storing the data you have filled out in an application you haven’t yet completed.
  • To personalise the services available through our Site and Services, for example by providing the use of eligibility checks.
  • Track performance to improve and optimise our services by understanding how you use and access the Site and Services.
  • In some cases, use of anonymised data to understand market trends and behaviours which we may share with trusted partners

The information we use in this way is limited and does not enable us to identify you as an individual. It is not used for any purpose other than the provision of our Site and Services. You have the right to object to our use of your personal information for these legitimate interests.  If you raise an objection we will stop processing your personal information. Please contact our Data Protection Officer at [email protected] if you wish to exercise this right.

6.0.   Data Sharing

We do not sell or rent your personal information to third parties, however, we may share your personal information with other parties under the following circumstances:

  • Partners or Affiliates. When you request that we share your information.
  • Service Providers. When necessary to provide our services to you.
  • Legal Obligations. We may be required by law to disclose your user information, such as sharing information with regulators, as mandated by the Financial Conduct Authority or in response to legal requests. For instance, when you click through to an advertiser or partner, we may share information with them to enable them to recognise that you were referred to their services through us, facilitating an understanding of your purchase journey. In our efforts to offer a comprehensive suite of services, we collaborate with partners or provide links to partner websites. These partners may independently collect and process your personal data or receive your contact details directly for a more in-depth understanding of your product requirements. Our partnerships are designed to ensure mutual information sharing only to the extent necessary for the provision of our services. We clearly indicate when you are leaving our website to visit a partner’s site. Any information you provide to these partners is subject to their respective Privacy Policies, and we encourage you to review their privacy policies before proceeding to use their services.
  • Third party service providers. We may share your user information with third-party service providers who support our internal operations and business activities. In such cases, these service providers are contractually bound to maintain the confidentiality and security of your information and may only use it as required to provide services to us.

7.0.   How long do we keep your data

We will retain your personal information only for as long as necessary to fulfil the purposes outlined in this Privacy Policy, or until you request its deletion. This may include circumstances where we are legally obliged to retain data for tax and accounting purposes or to fulfil regulatory responsibilities, such as managing complaints. As relevant, we will retain personal data for:

  • Six years for tax and accounting purposes.
  • The duration required by law if you provided us with data related to the purchase of a financial product, which may vary based on the product type or category.

8.0.   Privacy of Children

The Site and Services are intended for people who are at least 16 years of age. If you are less than 16 years old, please do not send any user information to us, including information such as your name, address, or email address. We do not knowingly collect (nor do we wish to collect) any user information from children under the age of 16.  In the event that we have discovered we have collected user information from a child under the age of 16, we will delete that information from our database and terminate the corresponding account, if any.  We encourage you to discuss the Site and Services with your parent or guardian.

9.0.   Data Security

Upholding the highest standards of data protection to safeguard and protect the personal identifiable information of our users and customers is fundamental to our mission and business. Your user information is stored on Mintify servers located in the United Kingdom. We treat data as an asset that must be protected against loss and unauthorised access whilst in transit and at rest and, as such, use industry standard physical, electronic, and organisational safeguards to protect your user information against disclosure, alteration, or destruction. We employ many different security techniques to protect such data from unauthorised access by users inside and outside the company and, if we share your information to any third parties, we will only do so if they provide the necessary assurances that they maintain the same levels of security and privacy as ourselves. However, it is important to keep in mind that no data transmission on the Internet is guaranteed to be 100% secure.  If you are concerned that your privacy may have been breached, please contact us using the information provided in section 11.0.

10.0.   Your Rights

The Data Protection Act and UK GDPR grants you specific rights concerning your personal information. You have the following rights:

  • Right of Access: You may request access to/copies of your personal information held by us at any time.
  • Right to Rectification: If your personal information is inaccurate or incomplete, you have the right to request corrections.
  • Right to Erasure: You can request the deletion or removal of your personal information from our systems.
  • Right to Restrict Processing: You have the right to prevent us from using your personal information or restrict how we use it.
  • Right to Data Portability: You can request the movement, copying, or transfer of your personal information.
  • Right to Object: You have the right to object to our use of your personal information, including when we use it for legitimate interests.

To exercise any of your rights outlined in this Privacy Policy or submit a complaint, please contact us using the information provided in Section 11.0.

If you are dissatisfied with how we handle your personal information or complaints, you may have the option to escalate your concern to the Information Commissioner’s Office.

The ICO’s address:
Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF
Helpline number: 0303 123 1113
ICO website: ico.org.uk

11.0.   How to Contact Us

Please contact us if you have any questions or requests. If you are an individual in the EEA and would like to make a request pursuant to the General Data Protection Regulation (GDPR), click here.

If you have any other questions regarding this Privacy Policy or how to remove or modify your user information or related consents, please feel free to contact us at [email protected]. If you have any questions for our DPO, they can be reached at [email protected] or by writing to Mintify Limited, 6501, 321-323 High Road, Chadwell Heath, Essex, RM6 6AX.

12.0.   Changes to this Policy

We may periodically revise this privacy policy to account for changes in regulations or adjustments to our service delivery methods. This Privacy Policy outlines our data handling practices for the 12 months leading up to its last update date. When we update our Privacy Policy, we will take appropriate steps to keep you informed, in line with the significance of the modifications we make. For instance, if there are any substantial changes, we will notify you via email (sent to the email address you provided in your account) or through a notice on this website before the changes take effect. We will seek your consent for any substantial changes if required by applicable laws. We encourage you to check this page regularly for the most up-to-date information on our privacy procedures.