Content

We are the owner or the licensee of all intellectual property rights in our Site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. You are not permitted to print off or download page(s) or content from our Site. If you print off, copy, download, share or repost any part of our Site in breach of these Terms of Use, your right to use our Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Trademarks

6 Moments That Matter and THINKMONEY THINKLIFE logos are registered trademarks in the UK and overseas. You are not permitted to use them without our approval.

Privacy & Cookies

THINKMONEY THINKLIFE Limited is registered with the Information Commissioner’s Office. For further information for how we handle personal data and our cookies policy please see separate notices.

Liability

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. We do exclude all implied conditions, warranties, representations and other terms that may apply to our Site or any content on it, to the fullest extent permitted by applicable law.

No guarantees

We are not able to guarantee that this Site is or will be secure or free from bugs, viruses, defects or any other issue which may be harmful or destructive or that any viruses and defects. You should use your own virus protection software and responsibility rests with you for configuring their information technology, computer programs and platform to access this website.

Disclaimer

The content on our Site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our Site. Although we make reasonable efforts to update the information on our Site, we make no representations, warranties or guarantees, whether express or implied, that the content on our Site is accurate, complete or up to date.

Changes

We amend these Terms of Use from time to time. Please check this page to ensure you understand the Terms of Use that apply at the time. We may also update and change our Site from time to time.

Suspension

Our Site is made available free of charge. We do not guarantee that our Site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our Site for business and operational reasons. You are also responsible for ensuring that all persons who access our Site through your internet connection are aware of these Terms of Use and other applicable terms and conditions, and that they comply with them.

Linking

You may not link to our Site without our prior written consent.

Learning terms of use

If you participate in our learning programmes additional terms and conditions apply. You will be required to accept those terms when you access our learning portal.

Governing law & Jurisdiction

These Terms of Use, their subject matter and their formation, are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

Introduction

This Privacy Policy (“Privacy Policy”) sets out how THINKMONEY THINKLIFE Limited processes your personal data in connection with our website at thinkmoneythinklife.com (“Site”).

For the purposes of data protection law, THINKMONEY THINKLIFE Limited (a company incorporated in England with company number 14490901) is the data controller and we are responsible for your personal data (referred to as “we”, “us” or “our” in this Privacy Policy).

Contact details

If you have any questions about this Privacy Policy or want to exercise your rights as a data subject, you can send us an email at: info@thinkmoneythinklife.com or write to us at THINKMONEY THINKLIFE Limited, 264 Banbury Road, Oxford, Oxfordshire, England, OX2 7DY.

What personal data
we collect

In providing our Site we may collect and process different types of personal data about you for different processing purposes, including the following:

Identity data

Title; first name; last name; education establishment company or other organisation; job title.

Contact data

Postal address; email address; telephone number; contact preferences.

Behavioural data

Data relating to your browsing activity or interaction with our emails, obtained through cookies, pixel tags and other similar technologies; information about when your current or previous sessions started; details about any programmes you viewed or subscribed to through the Site.

Technical data

IP address; browser type and operating system; geolocation (to ensure we’re showing you the correct notices and information); any other unique numbers assigned to a device.

Marketing & Communications data

Marketing preferences; service communication preferences.

Who we collect personal data about

We collect and process personal data from you when you browse our Site, subscribe through our Site and contact us through our Site.

How we use your personal data

We use your personal data for the purposes set out in this section. We may also use your personal data: (i) to comply with our legal obligations; (ii) to enforce our legal rights; (iii) to protect the rights of third parties; and (iv) in connection with a business transition such as a merger, reorganisation, acquisition by another company, or sale of any of our assets.

Site use

Legitimate interests

When you browse our Site, we collect and process Behavioural data and Technical data to help us understand how you are using and navigating our Site, so we can learn which parts of our Site are more or less popular and improve the structure and navigation.

Contact

Legitimate interests

We will use your Identity data and Contact data to get in touch with your when you contact us via our Site.

Marketing

Legitimate interests

We use your Identity data, Contact data and Marketing & Communications data to send you marketing communications by email. However, we will only send marketing communications to you by email where you have consented to receive such content by email, or where we have another lawful right to do so.

Disclosures of your personal data

We only share personal data with others when we are legally permitted to do so. When we share personal data with others, we put contractual arrangements and security mechanisms in place to protect the personal data shared and to comply with our data protection, confidentiality and security standards and obligations.

Your data may be shared with the third parties listed below. This list is non-exhaustive and there may be circumstances where we need to share personal data with other third parties.

• Other members of our group or affiliate companies.
• Third-party suppliers who provide applications/ functionality, data processing or IT services.
• Third-party post/email marketing and CRM specialists.
• Auditors, lawyers, accountants and other professional advisers.
• Law enforcement or other government and regulatory agencies and bodies.
• Another corporate entity in connection with a business transition

International transfers

We will not share your personal data with third parties outside the United Kingdom or the European Economic Area.

Data security

We have put in place security measures to prevent your personal data from being accidentally lost, used, altered, disclosed, or accessed without authorisation.  We also allow access to your personal data only to those employees, contractors, suppliers, and partners who have a business need to know such data.  They will only process your personal data on our instructions, and they must keep it confidential.

We have procedures in place to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach if we are legally required to.

Data retention

Your personal information will be retained for as long as it is necessary to carry out the purposes set out in this Privacy Policy (unless longer retention is required by law). However, we will not retain any of your personal information beyond this period and the retention of your personal information will be subject to periodic review. We may keep an anonymised form of your personal information, which will no longer refer to you, for statistical purposes without time limits, to the extent that we have a legitimate and lawful interest in doing so.

Your legal rights

Under data protection laws you have rights in relation to your personal data that include the right to request access, correction, erasure, restriction, transfer, to object to processing, to portability of data and (where the lawful ground of processing is consent) to withdraw consent.

You can see more about these rights at: https://ico.org.uk/for-organisations/guide-to-the-general-data-protection-regulation-gdpr/individual-rights/.

If you wish to exercise any of the rights set out above, please contact us using the contact details provided above.  

You will not have to pay a fee to access your personal data.  However, we may charge a reasonable fee, or refuse to comply with your request, if your request is clearly unfounded, repetitive.

We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights).  This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it.  We may also contact you to ask you for further information in relation to your request to speed up our response.

We try to respond to all legitimate requests within one month.  Occasionally it may take us longer than a month if your request is particularly complex, or you have made a number of requests.  In this case, we will notify you.

If you are not happy with any aspect of how we collect and use your data, you have the right to complain to the Information Commissioner’s Office (ICO), the UK supervisory authority for data protection issues (www.ico.org.uk).  We should be grateful if you would contact us first if you do have a complaint so that we can try to resolve it for you.

Third-party links

Our Site may include links to third-party websites, plug-ins, and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our Site, we encourage you to read the privacy policy of every website you visit.

Functionality cookies

These are cookies enable our Site to function. They allow you to move around our website and use its features, log-in to your account and remember certain preferences.  Some of these cookies may be ‘strictly necessary’ to our service and we explain what this means in further detail below.

Analytical or performance cookies

These cookies allow us to recognise and count the number of visitors and to see how visitors move around our Site when they are using it. This helps us to improve the way our Site works, for example, by ensuring that users are finding what they are looking for easily.

Targeting cookies

These cookies record your visit to our Site, the pages you have visited and the links you have followed. We will use this information to make our website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.

Session cookies

These are only stored on your computer during your web session and are automatically deleted when you close your browser – they usually store an anonymous session ID allowing you to browse a website without having to log in to each page, but they do not collect any personal data from your computer.

Persistent cookies

A persistent cookie is stored as a file on your computer, and it remains there when you close your web browser. The cookie can be read by the website that created it when you visit that website again. We use persistent cookies for Google Analytics.

Commitment to accessibility

We are committed to making our Site as accessible as possible. 

For example, that means visitors to our Site should be able to:

• Have clear visibility of text against background colours.
• Read written content without having to zoom in as a matter of course.
• Be able to control the playing of videos and to hear or read the content.
• Navigate most of the Site using just a keyboard.
• Navigate most of the Site using speech recognition software.
• Listen to most of the Site using a screen reader.

We have taken good practice web accessibility guidelines into account, including WCAG 2.0, WCAG 2.1 andISO30071-1.

Accessibility of our Site

We are currently in the process of an external accessibility audit of our Site. We also know that some parts of our Site are not fully accessible, and we are currently working to improve the items below.  

• Use of speech recognition and screen reader software will be tested as part of the accessibility audit.
• The labels at the footer of our feedback and facts cards are slightly small.

For further information on this Site in a different format, please feel free to contact us at info@thinkmoneythinklife.com.  We will consider requested requirements and will normally respond within 72 hours.  We cannot guarantee to be able to meet requested needs immediately.  However, we will ensure that we consider every request as part of our ongoing development to improve accessibility.

Technical information about accessibility of this Site

THINKMONEY THINKLIFE is committed to making its Site accessible in accordance with good practice.  

Compliance status

Apart from the items listed, we believe we are compliant with Web Content Accessibility Guidelines (WCAG) 2.1 W3C Recommendation dated 21 September 2023, AA standard. 

Non-accessible content

Following completion of our accessibility audit, we will provide a summary of any inaccessible content not already identified in this Accessibility Statement and set out the steps we will take to address any matters arising.

How we are improving accessibility

We monitor developments in good practice and aim to ensure that this Site meets applicable standards.

Whenever we identify or are notified of accessibility issues, or if there are changes in accessibility guidance, we re-evaluate our Programmes, and prepare an accessibility roadmap to show when and how we plan to improve the accessibility of our Programmes.

This Accessibility Statement is maintained in accordance with the above procedures and controls.

Preparation of this Accessibility Statement

This statement was prepared in January 2024.

Contact for any problems using our Site

We are always looking to improve the accessibility of our Site, so if you find anything within the Site difficult to use, please send an email to info@thinkmoneythinklife.com.

To help us understand the problem, please tell us the following.

• What the problem is.
• What computer and software you use.

All constructive feedback about the accessibility or usability of our Site is welcome and we promise to consider it carefully.