Cookie Policy 

1. WHY DO WE HAVE A COOKIE POLICY?

At Moneybox, we are committed to respecting and protecting your privacy. This Cookie Policy sets out the types of cookies we use and why and what we do with that information. 

This Cookie Policy explains how Digital Moneybox Limited (“Moneybox”, “we”, “us” and “our”) uses cookies and similar technologies when you visit our site at www.moneyboxapp.com). It explains what these technologies are and why we use them, as well as your rights to control our use of them. 

In some cases we may use cookies to collect personal information, or information that becomes personal information if we combine it with other information. 

2. OTHER RELEVANT POLICIES AND TERMS

This Cookie Policy should be read together with our Website & App Terms of Use, our Privacy Notice and if you have signed up to a Moneybox account, our Customer Terms and Conditions. If you are using our Mortgage Advisory service through Moneybox Mortgages Limited, please see the Moneybox Mortgages Limited Privacy Notice and our Moneybox Mortgages Terms of Business. 

3. WHAT ARE COOKIES?

Cookies are small data files that are placed on your computer, tablet or mobile device when you visit a website. Cookies are widely used by website owners in order to make their websites work, or to work more efficiently, as well as to provide reporting information. Although cookies do identify a user’s device, they do not personally identify users. 

Cookies set by the website owner (in this case, Moneybox) are called ‘first-party cookies’. Cookies set by parties other than the website owner (in this case, other than Moneybox) are called ‘third-party cookies’. Third-party cookies enable third-party features or functionality to be provided on or through our website, such as advertising, interactive content and analytics. 

4. WHY DO WE USE COOKIES?

Our website, whether accessed directly or through our app, uses cookies to distinguish you from other users. This helps us to improve our website and to provide you with a good experience when you browse our website We use first-party and third-party cookies for several reasons including:

• • • Technical reasons in order for our website to operate (referred to as ‘essential’ or ‘strictly necessary’ cookies).
    • Tracking users’ visits to the website to enhance the website.
    • Marketing and analytics.

We describe these in more detail below. 

5. HOW CAN I CONTROL COOKIES? 

You have the right to decide whether to accept or reject cookies. You can exercise your cookie rights by managing your preferences in the manage section of the cookie banner. This allows you to select which categories of cookies you accept or reject. Essential cookies cannot be rejected as they are strictly necessary to provide you with the website. 

If you choose to reject cookies, you may still use our website though your access to some functionality and areas of our website may be restricted. You may also set or amend your web browser controls to accept or refuse cookies. 

You can control cookies via your browser. However, as the means by which you can refuse cookies through your web browser varies from provider to provider, you should visit your browser’s help menu for more information. You can also learn more about cookies by visiting www.allaboutcookies.org which includes additional useful information on cookies and how to block cookies using different types of browsers or devices. 

Mobile devices may use other tracking files which are similar to cookies to block the IFDA on your iOS mobile device, go to Settings > General > About > Advertising and then turn on ‘Limit Ad Tracking. To block Android ID on your Android mobile device, go to Google Settings > Ads and then turn on ‘Opt out of interest-based ads’. 

6. WHAT COOKIES DO WE USE?

The specific types of first-party and third-party cookies served through our website and the purposes they performed are described in our cookie banner available when you visit the Moneybox website. Please note that the specific cookies served may vary depending on the specific web pages you visit on our website. Generally, the essential or strictly necessary cookies and some preference and analytics cookies only last for the duration of your visit to our website or expire when you close the app. These are known as ‘session cookies’. The analytics cookies and some marketing and preferences cookies will last for a longer period of time. These are known as ‘persistent cookies’.

To see the full list of cookies that may be deployed go to the cookie icon available on any webpage and press the Manage button to view the individual cookies listed under the specific categories. Alternatively the cookies are listed in the cookie banner when you first visit any Moneybox webpage.

If you use a link on our webpage to access another organisation, please note that any such third party organisations may also use cookies to track your use. You will need to ensure you manage your preferences by changing your settings on that organisation’s web page, as we do not have control over cookies applied by other organisations.

We embed videos from our official YouTube channel. You can read about managing video embedding options on YouTube’s embedding videos information page.

If you visit a page containing a YouTube video and are logged in to a YouTube or Google account, Google may use cookies for security purposes, remember your preferences, and receive information about the videos you watch for analytics and advertising purposes cookies and collect data linked to your Google account. For more information, see the Google Privacy Policy.

We use Trustpilot for reviews and to engage with our customers and to improve our services. For more information on how they process your personal data, see the Trustpilot Privacy Policy.

6.1 Essential or strictly necessary cookies 

Necessary cookies help make our website usable by enabling basic functions like page navigation and access to secure areas of the website. The website cannot function properly without these cookies.

6.2 Preference cookies

Preference cookies enable a website to remember information that changes the way the website behaves or looks, like your preferred language or the region that you are in.

6.3 Analytics cookies  

These cookies help us to understand how visitors interact with our website by collecting and reporting information anonymously.

6.4 Marketing cookies 

These cookies are used to make advertising messages more relevant to you. They perform functions such as preventing the same advert from continuously reappearing, ensuring that adverts are properly displayed for advertisers, and in some cases selecting advertisements that are based on your interests.  

6.5 Unclassified cookies

These are cookies that have not yet been categorised. We are in the process of classifying these cookies with the help of their providers. 

7. WHAT ABOUT OTHER TRACKING TECHNOLOGIES? 

Cookies are not the only way to recognise or track visitors to a website. We may use other, similar technologies from time to time, such as web beacons (sometimes called ‘tracking pixels’ or ‘clear gifs’). These are tiny graphics files that contain a unique identifier that enables us to recognise when someone has visited our website or opened an email including them. This allows us to: 

• • • Monitor traffic patterns or users from one page within a website to another. 
    • Deliver website content or communicate with cookies.
    • Understand whether you have come to our website from an online advertisement displayed on a third party website. 
    • Improve website performance. 
    • Measure the success of email marketing campaigns. 

8. HOW TO TURN OFF THE APPLICATION OF EMAIL PIXELS

You can inform us at any time if you object to the placing of email pixels. You can contact us via the methods set out in our T&Cs / Privacy Notice.

Alternatively, you can turn off the application of email pixels by closing the email before you download any images or click on any links. Many mailbox providers allow you to block the loading of images containing pixels in any emails received and you can adjust the settings in your mobile or web app to enable this. Many mobile and desktop devices will also allow you to adjust the settings on the device to block the loading of images containing pixels. We do not control these third-party settings and are not responsible for the privacy policies of these third-party organisations. Please refer to their policies if you want to learn more about these settings. 

9. DO YOU SERVE TARGETED ADVERTISING? 

Third parties may serve cookies on your computer or mobile device to serve advertising through our website. These companies may use information about your visits to this and other websites in order to provide relevant advertisements about goods and services that you may be interested in. They may also employ technology that is used to measure the effectiveness of advertisements. They can accomplish this by using cookies or similar technologies. The information collected through this process does not enable us or them to identify your name, contact details or other details that directly identify you unless you choose to provide these. 

10. HOW OFTEN WILL YOU UPDATE THIS COOKIE POLICY? 

We may update this Cookie Policy from time to time in order to reflect changes to the cookies we use or for other operational, legal or regulatory reasons. Please revisit this policy regularly to stay informed about our use of cookies. If you have any further questions about our use of cookies or similar technologies, please email us at dpo@moneyboxapp.com. 

Version 03. 2024