Money Reframed Ltd respects your privacy and is committed to protecting your personal information.
This Privacy Policy explains what personal information we collect, why we collect it, how we use it, who we may share it with, how long we keep it and the rights you have in relation to your information.
Money Reframed is operated by Money Reframed Ltd, a UK private limited company.
Company number: 17453522
Registered office: 66 Paul Street, London, EC2A 4NA
Website: moneyreframed.co.uk
Email: [email protected]
For the purposes of UK data protection law, Money Reframed Ltd is the controller of the personal information described in this Privacy Policy.
Money Reframed provides financial education, financial behaviour education and coaching.
Our services may include:
One-to-one educational and coaching sessions
Financial Behaviour Reports and Reviews
Financial behaviour questionnaires
Investing and financial education courses
Digital educational material
Guides, ebooks and downloads
Newsletters
Website and social-media content
Other educational services advertised through Money Reframed
Money Reframed does not provide regulated financial advice.
Rikki Payne is not a financial adviser.
Information collected from clients is used to provide the educational or coaching services they have requested and does not give Money Reframed authority to make financial decisions on their behalf.
Depending on how you use Money Reframed, we may collect information including:
Your name
Email address
Telephone number
Information submitted through our website or contact forms
Booking and appointment information
Purchase and transaction information
Communications between you and Money Reframed
Information provided during one-to-one sessions
Answers provided through questionnaires or reviews
Financial goals and priorities
Income information
Spending and expenditure information
Savings information
Debt information
Investment and pension information
Financial habits and behaviours
Attitudes towards money, saving, spending and investing
Information you voluntarily provide about your circumstances where relevant to the educational service requested
Marketing and newsletter preferences
Feedback, testimonials or survey responses
Technical information such as IP address, device type, browser type and information about how the website is used
We aim to collect only information that is reasonably necessary for the purpose for which it is being used.
We may collect information when you:
Contact Money Reframed
Complete a website form
Purchase a service
Book a one-to-one session
Complete a questionnaire
Participate in a Financial Behaviour Review
Attend a coaching or educational session
Purchase or attend a course
Subscribe to our newsletter
Request a free ebook, guide or resource
Communicate with us by email
Provide feedback or a testimonial
Some technical information may also be collected automatically when you use our website.
We may use your information to:
Provide a service you have purchased or requested
Prepare Financial Behaviour Reports or Reviews
Understand financial habits, behaviours, goals and priorities as part of an educational service
Prepare for one-to-one sessions
Manage appointments and bookings
Deliver courses and educational material
Respond to enquiries
Process payments
Maintain customer and transaction records
Send booking confirmations and service communications
Provide requested ebooks, guides or resources
Send newsletters and marketing communications where permitted
Improve our content, courses, services and website
Understand how our website is used
Protect the security of our website and business
Prevent misuse or fraud
Maintain accounting and tax records
Meet legal obligations
Establish, exercise or defend legal claims
Under UK data protection law, we need a lawful basis to use personal information.
Depending on the circumstances, we may rely on the following.
Where the information is necessary to provide a service or product you have requested or purchased.
Where using the information is reasonably necessary to operate, protect, administer or improve Money Reframed and our interests are not overridden by your rights and interests.
This may include responding to enquiries, maintaining appropriate business records, improving services, preventing misuse and managing existing customer relationships.
Where you have actively agreed to a particular use of your information, including certain marketing communications or non-essential website technologies.
Where we rely on consent, you may withdraw it at any time.
Where we are required to process or retain information to comply with applicable law, including accounting, tax or regulatory obligations.
Some Money Reframed services involve clients voluntarily providing information about their personal finances and financial behaviour.
This may include information about:
Income
Expenditure
Debt
Savings
Investments
Pensions
Financial goals
Financial priorities
Spending habits
Saving habits
Investing habits
Attitudes towards risk
Financial concerns
Behavioural patterns relating to money
This information is collected to help provide the financial education or financial behaviour service you have requested.
Providing this information does not create a financial adviser-client relationship.
Money Reframed uses this information to help you understand your behaviours, choices, habits and financial position from an educational perspective.
It is not collected for the purpose of providing regulated personalised investment advice.
Money Reframed will not sell your personal financial information or provide it to third parties for their own marketing purposes.
Money Reframed does not require access to your financial accounts.
You should never provide us with:
Online banking passwords
PIN numbers
Full payment-card security details
Investment-platform passwords
Cryptocurrency seed phrases
Cryptocurrency private keys
Two-factor authentication codes
Security answers
Account authentication credentials
We do not need this information to provide our services.
Payments may be processed using PayPal Business or another payment provider made available to you at checkout.
Money Reframed does not normally receive or store your complete debit-card or credit-card details.
Payment providers process payment information under their own privacy and security arrangements.
Money Reframed uses Tide for business banking. Tide is separate from the payment-processing service used when a customer pays through PayPal or another checkout provider.
Money Reframed uses third-party technology to operate its website, manage customer relationships, process forms, manage bookings and communicate with customers.
This currently includes HighLevel/GoHighLevel and associated services.
Appointments may be booked through our website, through a booking facility or by contacting Money Reframed directly.
Relevant providers may process personal information on our behalf where necessary to provide their technology or services.
You may choose to subscribe to the Money Reframed newsletter or request a free ebook, guide or other educational resource.
Where required by law, marketing communications will only be sent where we have the appropriate permission or another lawful basis to do so.
You can unsubscribe from marketing emails at any time using the unsubscribe option provided in the email or by contacting:
Unsubscribing from marketing does not prevent us from sending communications that are necessary to provide a service you have purchased, such as receipts, booking confirmations or important information about your service.
Our website may use cookies and similar technologies.
Some cookies are necessary for the website to function.
Other technologies may be used for purposes such as:
Website analytics
Performance measurement
Website functionality
Understanding how visitors use the website
Marketing or advertising measurement
Where consent is legally required, non-essential cookies or similar tracking technologies should not be activated unless you have chosen to accept them.
You may be able to manage these choices through our website cookie banner or cookie settings.
The specific technologies used by the website may change as Money Reframed develops its website and marketing systems.
Where necessary, this Privacy Policy and our cookie information will be updated accordingly.
Money Reframed does not sell personal information.
We may share or allow personal information to be processed by trusted service providers where reasonably necessary to operate the business.
These may include:
Website and CRM providers
Payment providers
Booking and scheduling services
Email and communication providers
Cloud-storage providers
IT and software providers
Accountants
Tax advisers
Professional advisers
Analytics providers
Government bodies
Courts
Regulators
Law-enforcement bodies where legally required
Some providers act as processors on our behalf. Others may act as independent controllers under their own privacy policies.
We only disclose information where there is a legitimate business or legal reason to do so.
Some technology providers used by Money Reframed may process or store personal information outside the United Kingdom.
Where UK data protection law requires additional protection for an international transfer, we will take reasonable steps to use appropriate safeguards or transfer mechanisms.
We do not intend to keep personal information indefinitely.
The appropriate period depends on why the information was collected and whether we have a legal or legitimate reason to continue retaining it.
General enquiries
Information relating to enquiries that do not become customers may normally be retained for up to 12 months.
Client and coaching information
Financial Behaviour questionnaires, reports, coaching notes and related service information may normally be retained for up to 2 years after the relevant client relationship or service has ended.
Financial and accounting records
Invoices, payment records, accounting records and information required for tax purposes may normally be retained for at least 6 years or for another period required by law.
Marketing records
Marketing information may normally be retained while you remain subscribed.
Where you unsubscribe, limited information may be retained on a suppression list so that we can continue respecting your request not to receive marketing.
Information may be kept for longer where reasonably necessary to comply with a legal obligation or establish, exercise or defend a legal claim.
Money Reframed takes reasonable technical and organisational steps to protect personal information against:
Unauthorised access
Accidental loss
Unauthorised disclosure
Alteration
Misuse
Access to client information is restricted to people or service providers who reasonably require access for the relevant business purpose.
No online system can be guaranteed to be completely secure.
Depending on the circumstances and the lawful basis being relied upon, UK data protection law may give you rights including the right to:
Ask what personal information we hold about you
Request access to your personal information
Ask us to correct inaccurate information
Ask us to complete incomplete information
Request deletion of information in certain circumstances
Request restriction of processing in certain circumstances
Object to certain processing
Withdraw consent where consent is relied upon
Request certain information in a portable format
These rights are not absolute and may not apply in every situation.
To exercise a data protection right, contact:
Where we process personal information on the basis of legitimate interests, you may have the right to object to that processing.
You also have the right to object to the use of your personal information for direct marketing.
If you object to direct marketing, we will stop using your personal information for that purpose.
If you are concerned about the way Money Reframed has handled your personal information, please contact us first so that we have an opportunity to investigate and resolve the issue.
You also have the right to complain to the Information Commissioner’s Office (ICO), the UK regulator responsible for data protection.
Further information is available through the ICO’s official website.
Money Reframed’s paid coaching and financial education services are intended for adults aged 18 or over unless we expressly state otherwise.
We do not knowingly provide paid financial coaching services directly to children.
Our website, emails and educational material may contain links to third-party websites or services.
Money Reframed does not control those organisations and is not responsible for their privacy practices, security or content.
You should review the privacy information provided by the relevant third party.
We may update this Privacy Policy if our services, business processes, technology or legal obligations change.
The latest version will be made available through moneyreframed.co.uk and will display the date it was last updated.
For questions about this Privacy Policy or how Money Reframed uses personal information, contact:
Money Reframed Ltd
Company number: 17453522
66 Paul Street
London
EC2A 4NA
Email: [email protected]
Website: moneyreframed.co.uk