Last updated: 6 September 2026
Money in Mind (“Money in Mind”, “we”, “us” or “our”) respects your privacy and is committed to protecting your personal information.
This Privacy Policy explains how we collect, use, disclose and protect personal information when you visit or interact with moneyinmind.net (the “Site”).
Money in Mind is a personal finance and money-saving information website providing articles, guides, information, commentary and related online content.
This Privacy Policy applies to visitors to and users of the Site.
1. Who We Are
Money in Mind operates the website moneyinmind.net.
For privacy questions, requests or complaints, you can contact us at:
Email: [email protected]
If you have been given a different official contact address by Money in Mind, please use that address instead.
We do not currently appoint a Data Protection Officer because we do not believe that our activities require us to appoint one. If this changes, this Privacy Policy will be updated accordingly.
2. Personal Information We Collect
The information we collect depends on how you interact with the Site.
Information you provide to us
You may voluntarily provide personal information when you:
- contact us by email or through a contact form;
- subscribe to email communications or newsletters;
- submit comments or other content;
- communicate with us through social media;
- participate in surveys, competitions or promotions, where offered; or
- otherwise provide information to us.
This may include:
- your name;
- email address;
- information contained in your correspondence;
- information you choose to provide in a submission; and
- other information you voluntarily provide.
Please do not provide sensitive personal information unless it is necessary for your communication with us.
Information collected automatically
When you visit Money in Mind, certain technical and usage information may be collected automatically.
This may include:
- IP address;
- browser type and version;
- operating system;
- device type;
- approximate geographical location;
- referring website or search engine;
- pages visited;
- links clicked;
- date and time of visits;
- time spent on pages;
- information about how you interact with the Site; and
- technical information about your browser and device.
We refer to this generally as “Technical and Usage Information”.
3. Cookies and Similar Technologies
Money in Mind uses cookies and similar technologies.
Cookies are small text files that websites may store on your device.
We may use cookies for:
- essential website functionality;
- security;
- remembering preferences;
- analytics;
- measuring website performance;
- advertising;
- measuring advertising performance; and
- understanding how visitors use our Site.
Essential cookies
Some cookies are necessary for the Site to function properly.
Where a cookie is strictly necessary to provide a service that you have requested, applicable law may permit its use without consent.
Analytics cookies
We may use analytics services such as Google Analytics to understand how visitors use Money in Mind.
Analytics may provide information about:
- pages viewed;
- traffic sources;
- device and browser type;
- approximate location;
- interactions with the Site; and
- general website usage.
Where applicable law requires consent for analytics cookies or similar technologies, we will request consent before using them.
Advertising cookies
Money in Mind may use Google AdSense and other advertising technologies to display advertisements.
Depending on your location and privacy choices, advertising technologies may use cookies or similar technologies to:
- display advertising;
- personalise advertising;
- limit advertising frequency;
- measure advertising performance;
- prevent fraud; and
- generate aggregated advertising reports.
Where legally required, we will request your consent before using non-essential advertising cookies or similar technologies.
You can manage your cookie choices through the consent-management mechanism provided on the Site.
4. Google AdSense and Advertising
Money in Mind may use Google AdSense to display advertisements.
Google and its advertising partners may process information such as:
- IP address;
- browser and device information;
- cookie identifiers;
- advertising identifiers;
- approximate location;
- information about interactions with advertisements; and
- advertising preferences.
Depending on your location, applicable law and your consent choices, advertisements may be personalised or non-personalised.
For users in the UK, European Economic Area and Switzerland, Google requires publishers serving personalised ads to use a Google-certified consent management platform integrated with the IAB Europe Transparency and Consent Framework.
Money in Mind will use the appropriate consent mechanism for applicable users.
Google’s privacy information is available at:
https://policies.google.com/privacy
Google’s advertising settings are available through Google’s own privacy and advertising controls.
5. Google Analytics
Where Google Analytics is installed on Money in Mind, we may use it to understand website traffic and improve the Site.
Google Analytics may collect information such as:
- pages visited;
- traffic source;
- device information;
- browser information;
- approximate location;
- interactions with pages; and
- other website usage information.
Where required by applicable law, we will obtain consent before using analytics cookies.
More information about Google’s privacy practices is available at:
https://policies.google.com/privacy
6. How We Use Personal Information
We may use personal information for the following purposes:
- to operate and maintain moneyinmind.net;
- to provide website functionality;
- to respond to enquiries;
- to communicate with users who contact us;
- to send newsletters or other communications that users have requested;
- to manage newsletter subscriptions;
- to understand how visitors use our Site;
- to improve our content and website;
- to maintain website security;
- to detect and prevent fraud, abuse and malicious activity;
- to operate and measure advertising;
- to comply with legal obligations;
- to establish, exercise or defend legal claims; and
- to protect our rights, users and website.
We will not use personal information for purposes incompatible with the purposes described in this Privacy Policy unless permitted or required by law.
7. Lawful Bases for UK and EU Users
Where UK GDPR or EU GDPR applies, we process personal information on one or more lawful bases.
Consent
We may rely on your consent for:
- optional newsletters;
- non-essential cookies;
- analytics where consent is required;
- personalised advertising where consent is required; and
- other optional processing where consent is requested.
You may withdraw consent at any time.
Withdrawal of consent does not affect processing that occurred before consent was withdrawn.
Legitimate interests
We may process personal information where necessary for our legitimate interests, provided those interests are not overridden by your rights and interests.
Our legitimate interests may include:
- operating and improving Money in Mind;
- maintaining website security;
- preventing fraud and abuse;
- understanding website performance;
- responding to enquiries;
- protecting our legal rights; and
- maintaining and developing our online publication.
Legal obligation
We may process personal information where necessary to comply with a legal or regulatory obligation.
Contract
Where applicable, we may process information because it is necessary to perform a contract with you or take steps at your request before entering into a contract.
8. Newsletter and Email Communications
If Money in Mind offers email newsletters or other email subscriptions, we may collect your name and email address when you subscribe.
We use this information to:
- send requested newsletters;
- send website updates;
- manage subscriptions;
- process unsubscribes;
- maintain appropriate subscription records; and
- maintain the security and reliability of our email service.
You can unsubscribe at any time by clicking the unsubscribe link in our emails or by contacting us at:
We will not require you to remain subscribed to marketing communications.
9. Contact Forms and Email
If you contact Money in Mind by email or through a website form, we may retain your message and contact information.
We use this information to:
- respond to your enquiry;
- provide assistance;
- investigate complaints;
- maintain appropriate business records; and
- protect our legal interests where necessary.
We will retain correspondence only for as long as reasonably necessary for the relevant purpose or where retention is required by law.
10. Affiliate Links
Money in Mind may participate in affiliate marketing programmes.
This means that some links on the Site may be affiliate links. If you click an affiliate link and subsequently make a qualifying purchase or take another qualifying action, Money in Mind may receive a commission at no additional cost to you.
Affiliate partners may use cookies or similar technologies to identify referrals and attribute qualifying transactions.
Affiliate tracking will be handled in accordance with applicable law and your applicable privacy choices.
Affiliate relationships do not determine the editorial independence of our content.
11. Sharing Personal Information
We may share personal information with third parties where necessary to operate Money in Mind or where permitted or required by law.
These third parties may include:
- website hosting providers;
- cloud and infrastructure providers;
- email and newsletter service providers;
- analytics providers;
- advertising providers;
- cookie and consent-management providers;
- website security providers;
- technical service providers;
- affiliate networks;
- professional advisers;
- regulators and public authorities; and
- law enforcement agencies where legally required.
Where appropriate, these organisations process information on our behalf and are expected to use appropriate safeguards.
We do not sell personal information as a conventional business activity.
However, certain advertising technologies may involve disclosures that are treated as “sale” or “sharing” under some US state privacy laws. Where applicable, we provide the legally required opt-out mechanisms.
12. International Data Transfers
Some service providers used by Money in Mind may process information outside the United Kingdom or European Economic Area.
Where personal information is transferred internationally, we will take appropriate steps to ensure that the transfer complies with applicable data protection law.
Depending on the circumstances, safeguards may include:
- an adequacy decision;
- appropriate contractual safeguards;
- standard contractual clauses; or
- another legally recognised transfer mechanism.
Some service providers, including major technology and advertising providers, may operate internationally, including in the United States.
You can contact us at [email protected] if you require further information about relevant international transfer safeguards.
13. Data Retention
We retain personal information only for as long as reasonably necessary for the purposes for which it was collected.
The appropriate retention period depends on the nature of the information and why it was collected.
For example:
Newsletter information: generally retained while you remain subscribed, together with information reasonably necessary to maintain unsubscribe and compliance records.
Contact enquiries: retained for as long as reasonably necessary to deal with the enquiry and maintain appropriate records.
Security information: may be retained for a reasonable period to protect the Site and investigate security incidents.
Analytics and advertising information: retention may depend on the relevant provider and the settings used on the Site.
Legal and regulatory information: retained for as long as required or reasonably necessary to comply with legal obligations or protect our rights.
When personal information is no longer required, we will delete it or anonymise it where reasonably practicable.
14. Your UK and EU Privacy Rights
If UK GDPR or EU GDPR applies to you, you may have the following rights, subject to applicable exceptions:
Right of access
You may request a copy of the personal information we hold about you.
Right to rectification
You may ask us to correct inaccurate or incomplete information.
Right to erasure
You may request deletion of your personal information in certain circumstances.
Right to restriction
You may request that we restrict processing in certain circumstances.
Right to data portability
Where applicable, you may request your personal information in a structured, commonly used and machine-readable format.
Right to object
You may object to certain processing, including processing based on legitimate interests.
You have an absolute right to object to direct marketing.
Right to withdraw consent
Where we rely on consent, you may withdraw your consent at any time.
Rights relating to automated decision-making
Where applicable, you may have rights relating to solely automated decision-making and profiling.
To exercise these rights, contact:
We may need to verify your identity before completing certain requests.
The ICO’s current guidance requires privacy information to explain applicable purposes, lawful bases, recipients, international transfers, retention and individual rights.
15. Complaints – United Kingdom
If you have concerns about how we handle your personal information, please contact us first:
If you are not satisfied with our response, you have the right to complain to the UK’s data protection regulator:
Information Commissioner’s Office (ICO)
https://ico.org.uk/make-a-complaint
The ICO advises organisations to tell individuals about their right to complain to a supervisory authority.
16. European Economic Area
If you are located in the European Economic Area, you may have rights under the EU GDPR.
You may lodge a complaint with the data protection supervisory authority in the EU country where you live, work or believe that an infringement has occurred.
17. California Privacy Rights
This section applies to California residents to the extent that the California Consumer Privacy Act, as amended by the California Privacy Rights Act (CCPA/CPRA), applies to Money in Mind.
Depending on applicable law and circumstances, California residents may have rights including:
- the right to know about personal information collected and how it is used;
- the right to request access to personal information;
- the right to request deletion of personal information, subject to exceptions;
- the right to request correction of inaccurate personal information;
- the right to opt out of the sale or sharing of personal information where applicable;
- the right to limit certain uses or disclosures of sensitive personal information where applicable;
- the right to non-discrimination for exercising applicable privacy rights; and
- other rights provided by California law.
Categories of information
Depending on how you use Money in Mind, we may collect categories of information including:
- identifiers, such as name, email address and IP address;
- internet or electronic network activity information, such as browsing and interaction information;
- approximate location information;
- information you voluntarily provide through communications or submissions;
- user-generated content; and
- other information reasonably necessary to operate the Site.
Sources of information
We may obtain information:
- directly from you;
- automatically from your device or browser;
- from analytics and advertising technologies;
- from service providers; or
- from other sources where permitted by law.
Business purposes
We may use this information to:
- operate the Site;
- provide services requested by users;
- communicate with users;
- maintain security;
- analyse website usage;
- improve our services;
- provide and measure advertising;
- operate affiliate relationships;
- prevent fraud and abuse; and
- comply with legal obligations.
Sale or sharing
Money in Mind does not operate a business based on selling personal information.
However, advertising and analytics technologies may constitute “sharing” under California law depending on the circumstances.
Where applicable, California residents may opt out of the sale or sharing of personal information through the privacy controls provided on the Site.
Where required and technically supported, we will recognise legally valid browser-based opt-out preference signals such as the Global Privacy Control (GPC).
Google notes that its AdSense systems support applicable US privacy frameworks, including California signals, through the IAB Global Privacy Platform.
Exercising California rights
California residents may submit privacy requests by contacting:
Please state that the request concerns California privacy rights.
We may take reasonable steps to verify your identity before fulfilling certain requests.
We will not discriminate against you for exercising privacy rights provided by applicable California law.
18. Other US State Privacy Rights
Privacy laws in a number of US states may provide residents with additional privacy rights.
Where applicable law requires Money in Mind to provide such rights, we will honour those rights and provide appropriate mechanisms for exercising them.
Depending on the applicable state law, these rights may include access, correction, deletion, portability, objection or opt-out rights relating to targeted advertising, sale of personal information or certain profiling activities.
If you believe a state privacy law applies to you and you wish to exercise a privacy right, contact:
19. Children’s Privacy
Money in Mind is intended for a general audience and is not specifically directed at children.
We do not knowingly collect personal information from children where doing so is prohibited by applicable law.
If you believe a child has provided personal information to us, please contact:
We will take reasonable steps to investigate and, where appropriate, delete the information.
20. Data Security
We take reasonable technical and organisational measures to protect personal information from:
- unauthorised access;
- accidental loss;
- misuse;
- alteration; and
- unauthorised disclosure.
However, no website, internet transmission or electronic storage system can be guaranteed to be completely secure.
21. Third-Party Websites
Money in Mind may contain links to third-party websites, services, advertisers, affiliate partners and social media platforms.
We are not responsible for the privacy practices, security or content of third-party websites.
You should review the privacy policy of any third-party website before providing personal information.
22. Social Media
Money in Mind may maintain accounts or pages on social media platforms.
If you interact with us through a social media platform, that platform may independently collect and process your information.
Your interaction with such platforms is governed by their own terms and privacy policies.
23. Do Not Track
Some browsers offer a “Do Not Track” setting.
Because there is currently no universally accepted technical standard for responding to Do Not Track signals, Money in Mind may not respond to such signals in every circumstance.
Where applicable law requires recognition of a legally valid opt-out preference signal, such as the Global Privacy Control, we will handle that signal in accordance with applicable law.
24. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect:
- changes to our website;
- changes to our services;
- changes to our data processing practices;
- changes to third-party services;
- legal or regulatory developments; or
- improvements to our privacy practices.
When we make significant changes, we may update the “Last updated” date at the top of this Privacy Policy and, where appropriate, provide additional notice.
25. Contact Us
If you have questions about this Privacy Policy, want to exercise a privacy right, or have a concern about how Money in Mind handles personal information, please contact:
Money in Mind
Email: [email protected]
Website: https://moneyinmind.net/
Our Facebook Page: https://www.facebook.com/moneyinmind.net
Last updated: 6 September 2026