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This Privacy Policy describes the policies of Smarter Savings Ltd, Office 330, 60 Water Lane, Wilmslow, Cheshire, Cheshire Sk9 5AJ, United Kingdom of Great Britain and Northern Ireland (the), email: hello@smarter-savings.com, phone: 01614135000 on the collection, use and disclosure of your information that we collect when you use our website ( moniv.co.uk ). (the “Service”). By accessing or using the Service, you are consenting to the collection, use and disclosure of your information in accordance with this Privacy Policy. If you do not consent to the same, please do not access or use the Service.

We may modify this Privacy Policy at any time without any prior notice to you and will post the revised Privacy Policy on the Service. The revised Policy will be effective 180 days from when the revised Policy is posted in the Service and your continued access or use of the Service after such time will constitute your acceptance of the revised Privacy Policy. We therefore recommend that you periodically review this page.

1. Information We Collect:

We will collect and process the following personal information about you:

1. Personal identifiers, contacts and characteristics (for example, name and contact details, etc.)

2. Address

3. Payment Information

4. Company name

5. Information about your business’ current payment services (for example, payment provider, fee structure, transaction volumes etc.)

During your relationship and/or engagement with us, we may request more information about your and/or your business. This information may be shared in accordance with section 3.

2. How we get the information and why we have it

Most of the personal information we process is provided to us directly by you for one of the following reasons:

1. The Smarter Savings Ltd website (smarter-savings.com)

2. Any trading names of Smarter Savings Ltd, including but not limited to;

(1) Moniv.co.uk / moniv.uk

(2) Ootbob.co.uk / ootbob.uk

(3) 1ngenium.co.uk / 1ngenium.uk

3. Email contact make from a customer and/or prospect

We also receive personal information indirectly, from the following sources in the following scenarios:

1. Public sources available on the internet

2. 3^rd party marketing data sources

Under the General Data Protection Regulation (GDPR), the lawful bases we rely on for processing this information are:

(a) Your consent. You are able to remove your consent at any time. You can do this by clicking on the “unsubscribe” link in any marketing communication, or by contacting hello@smarter-savings.co.uk

(b) We have a contractual obligation.

(c) We have a legal obligation.

(d) We have a vital interest.

(e) We need it to perform a public task.

(f) We have a legitimate interest.

3. How We Use Your Information:

We will use the information that we collect about you for the following purposes:

1. Marketing/ Promotional

2. Creating user account

3. Customer feedback collection

4. Administration info

5. Targeted advertising

6. Manage customer order

7. Dispute resolution

If we want to use your information for any other purpose, we will ask you for consent and will use your information only on receiving your consent and then, only for the purpose(s) for which grant consent unless we are required to do otherwise by law.

We may use your information for marketing purposes through email, SMS and telephone, subject to all TPS and telephone marketing regulations and legislations. You can opt-out at any time via; the unsubscribe link within marketing emails, sending the unsubscribe message to the unsubscribe service for SMS, and informing our representatives that you do not wish to be contacted by telephone. Alternatively, you can let us know of your marketing preferences, at any time, by emailing hello@smarter-savings.com

4. How We Share Your Information:

We will not transfer your personal information to any third party without seeking your consent, except in limited circumstances as described below:

1. Ad service

2. Sponsors

3. Marketing agencies

4. Analytics

5. Data collection & process

We require such third party’s to use the personal information we transfer to them only for the purpose for which it was transferred and not to retain it for longer than is required for fulfilling the said purpose.

We may also disclose your personal information for the following: (1) to comply with applicable law, regulation, court order or other legal process; (2) to enforce your agreements with us, including this Privacy Policy; or (3) to respond to claims that your use of the Service violates any third-party rights. If the Service or our company is merged or acquired with another company, your information will be one of the assets that is transferred to the new owner.

5. Retention Of Your Information:

We will retain your personal information with us for 90 days to 2 years after user accounts remain idle or for as long as we need it to fulfill the purposes for which it was collected as detailed in this Privacy Policy. We may need to retain certain information for longer periods such as record-keeping / reporting in accordance with applicable law or for other legitimate reasons like enforcement of legal rights, fraud prevention, etc. Residual anonymous information and aggregate information, neither of which identifies you (directly or indirectly), may be stored indefinitely.

6. Your Rights:

Under data protection law, you have rights including:

Your right of access - You have the right to ask us for copies of your personal information.

Your right to rectification - You have the right to ask us to rectify information you think is inaccurate. You also have the right to ask us to complete information you think is incomplete.

Your right to erasure - You have the right to ask us to erase your personal information in certain circumstances.

Your right to restriction of processing - You have the right to ask us to restrict the processing of your information in certain circumstances.

Your right to object to processing - You have the the right to object to the processing of your personal data in certain circumstances.

Your right to data portability - You have the right to ask that we transfer the information you gave us to another organisation, or to you, in certain circumstances.

You are not required to pay any charge for exercising your rights. If you make a request, we have one month to respond to you.

Please contact us at hello@smarter-savings.com if you wish to make a request.

7. Cookies Etc.

To learn more about how we use these and your choices in relation to these tracking technologies, please refer to our Cookie Policy.

8. Security:

The security of your information is important to us and we will use reasonable security measures to prevent the loss, misuse or unauthorized alteration of your information under our control. However, given the inherent risks, we cannot guarantee absolute security and consequently, we cannot ensure or warrant the security of any information you transmit to us and you do so at your own risk.

9. Grievance / Data Protection Officer:

If you have any queries or concerns about the processing of your information that is available with us, you may email our Grievance Officer at Smarter Savings Ltd, Office 330, 60 Water Lane, Wilmslow, Cheshire, email: hello@smarter-savings.com. We will address your concerns in accordance with applicable law.

Smarter Savings Ltd would like the opportunity, to put any concerns you have, right first. However, you can also complain to the ICO if you are unhappy with how we have used your data.

The ICO’s address:

Information Commissioner’s Office

Wycliffe House

Water Lane

Wilmslow

Cheshire

SK9 5AF

Helpline number: 0303 123 1113