App Legal | My Money Matters

Your employer (referred to in this privacy policy as ‘your employer’, ‘we’, ‘us’ or ‘our’) has appointed AVC Wise Limited (t/a My Money Matters) to run and administer an employment benefit scheme on our behalf. We respect your privacy and are committed to protecting your personal data. This privacy statement will tell you how we look after the personal data that you provide to us when you register for an employment benefit scheme. It will also tell you about your privacy rights and how the law protects you.

1. The purpose of this privacy statement

This statement aims to give you information on how we collect and process your personal data.

It is important that you read this privacy statement, together with any other privacy policy or fair processing policy we may provide on specific occasions when we are collecting or processing personal data about you, so that you are fully aware of how and why we are using your data. This privacy statement supplements other notices and privacy policies and is not intended to override them.

Controller/Processor

As the Data Controller, we will remain responsible for the collection and processing of your personal data by us, and done on our behalf by My Money Matters (as Data Processor), and will oversee questions in relation to this privacy statement.

With respect to personal data processed for an employee benefit scheme, the following provisions will apply:

a. With respect to personal data processed for our internal business management and financial purposes, such personal data is processed by us as Data Controller.

b. With respect to personal data processed for the purpose of running and administering an employment benefit scheme on our behalf, such personal data is processed by us as Data Controller and by My Money Matters as Data Processor.

If you have any questions about this privacy statement, including any requests to exercise your legal rights, please contact us using the details set out below.

Contact details

If you have any questions about this privacy statement or our privacy practices, please contact us.

Alternatively, you can contact My Money Matters (our Data Processor) in the following ways:

Email address: support@my-money-matters.co.uk

Postal address: AVC Wise Ltd (t/a My Money Matters), First Floor, 5 Fleet Place, London, United Kingdom, EC4M 7RD

You have the right to make a complaint at any time to the Information Commissioner's Office (ICO), the UK’s supervisory authority for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO, so please contact us in the first instance.

Changes to the privacy statement and your duty to inform us of changes

We keep our privacy statement under regular review.

This version was last updated on 13/02/2026.

It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes.

2. The data we collect about you

A piece of information constitutes personal data if it relates to an individual, directly or indirectly. In other words, personal data is any information relating to an identified or identifiable living person; such a person is called a data subject.

We, or My Money Matters on our behalf, may collect, use, store and transfer different types of personal data about you, which we have grouped together in the following ways:

Identity Data includes first name, last name, username or similar identifier, Employee Number, NI Number, date of birth, gender, salary and any existing AVC Plan information.
Contact Data includes address, email address and telephone numbers.
Transaction Data includes details about products and services you have selected.
Technical Data includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, operating system and platform, and other technology on the devices you use to access the My Money Matters platform at https://www.my-money-matters.co.uk
Profile Data includes your username and password, feedback and survey responses.
Usage Data includes information about how you use the My Money Matters platform and services.
Communications Data includes your communication preferences.

We also collect, use and share with third parties Aggregated Data such as statistical or demographic data. Aggregated Data could be derived from your personal data but is not considered personal data in law as this data will not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific Site feature. However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this privacy statement.

Neither we, nor My Money Matters on our behalf, collect any Special Categories of Personal Data about you (such as your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health, and genetic and biometric data). Nor do we, or My Money Matters on our behalf, collect any information about criminal convictions and offences.

If you fail to provide personal data

Where we, or My Money Matters on our behalf, need to collect your personal data by law, or for the performance of a contract to which you are party, if you fail to provide that personal data, those lawful purposes for collecting and processing it cannot be met. Consequently, for example, you may have your request for services rejected.

3. How is your personal data collected?

We use different methods to collect data from and about you, including through:

Direct interactions. You may give us your Identity and Contact Data by filling in forms or by corresponding with us by post, phone, email or otherwise. This includes personal data you provide when you:
- make an application for products or services;
- create an account;
- subscribe to publications;
- enter a competition, promotion or survey; or
- give us feedback or contact us.
Automated technologies or interactions. As you interact with the platform, we will automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies and other similar technologies. For further details, please see the Cookies section later on in this Privacy Statement.
Third parties or publicly available sources. We will receive personal data about you from analytics providers such as Google.

4. How we use your personal data

We will only use your personal data when the law allows us to. We will use your personal data in the following circumstances:

Where it is necessary for the performance of a contract to which you are a party or to take steps at your request before entering into such a contract.
Where it is necessary for the purposes of legitimate interests pursued by us, or by My Money Matters on our behalf.
Where it is necessary for compliance with a legal obligation that we are subject to.
Where you have consented to the use of your personal data for a further purpose.

Purposes for which we will use your personal data

We have set out below a description of all the ways in which we plan to use your personal data:

Purpose/Activity 1 To register you for an employment benefit scheme and to introduce you to other employee services.

Types of data: (a) Identify; (b) Contact

Lawful bases: Performance of a contract with you – Art.6(1)(b)

Legitimate interests – Art.6(1)(f)

Purpose/Activity 2 To process and deliver your request for services, including managing payments, fees and charges and collecting and recovering money owed to us.

Types of data: (a) Identify; (b) Contact; (c) Transaction; (d) Communications

Lawful basis: Performance of a contract with you – Art.6(1)(b)

Purpose/Activity 3 To manage our relationship with you, including notifying you of changes to our Terms or Privacy Policy and asking you to leave a review or take a survey.

Types of data: (a) Identify; (b) Contact; (c) Profile; (d) Communications

Lawful bases: Performance of a contract with you – Art.6(1)(b)

Necessary to comply with a legal obligation – Art.6(1)(c)

Legitimate interests – Art.6(1)(f)

Purpose/Activity 4 To enable you to [consensually] partake in a prize draw or competition, or to complete a survey.

Types of data: (a) Identify; (b) Contact; (c) Profile; (d) Usage (e) Communications

Lawful bases: Consent – Art.6(1)(a)

Performance of a contract with you – Art.6(1)(b)

Legitimate interests – Art.6(1)(f)

Purpose/Activity 5 To administer and protect our organisation and this platform (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data).

Types of data: (a) Identify; (b) Contact; (c) Technical

Lawful bases: Performance of a contract with you – Art.6(1)(b)

Necessary to comply with a legal obligation – Art.6(1)(c)

Legitimate interests – Art.6(1)(f)

Purpose/Activity 6 To deliver relevant website/platform content to you, including webinars, 121 coaching sessions and measure or understand the effectiveness of the communications.

Types of data: (a) Identify; (b) Contact; (c) Profile; (d) Usage (e) Communications; (f) Technical

Lawful bases: Performance of a contract with you – Art.6(1)(b)

Legitimate interests – Art.6(1)(f)

Purpose/Activity 7 To use data analytics to improve the platform, products/services, communications, customer relationships and experiences.

Types of data: (a) Technical; (b) Usage

Lawful bases: Performance of a contract with you – Art.6(1)(b)

Legitimate interests – Art.6(1)(f)

Purpose/Activity 8 To make relevant suggestions and recommendations to you about goods or services that may be of interest to you.

Types of data: (a) Identify; (b) Contact; (c) Profile; (d) Usage (e) Communications; (f) Technical

Lawful bases: Performance of a contract with you – Art.6(1)(b)

Legitimate interests – Art.6(1)(f)

Purpose/Activity 9 To enable access to third party service providers via the platform, and to facilitate their provision of those services to you.

Types of data: (a) Identify; (b) Contact

Lawful basis: Consent – Art.6(1)(a)

Promotional offers from us

You will receive communications from us, and/or from My Money Matters on our behalf, if you have registered on the My Money Matters platform.

Third-party communications

Communications sent by My Money Matters on our behalf (your employer) are not third-party communications.

Opting out

You can ask us to stop sending you communications at any time by contacting My Money Matters or by clicking the unsubscribe link in any message.

Where you opt out of receiving communications, this will not apply to messages concerning the fulfilment of services, or when we want to notify you regarding other important developments (aka ‘transactional communications’).

You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. For more information about the cookies used, please see the My Money Matters Cookie Notice on the platform.

Change of purpose

We will only use your personal data for the purposes for which it is collected, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to get an explanation of how the processing for the new purpose is compatible with the original purpose, please contact us.

If we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.

Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.

5. Disclosures of your personal data

We may share your personal data with the parties set out below for the purposes set out in the table in Section 4 above.

Internal third parties related to your employer acting as joint controllers or processors.
External third parties such as:
- Service providers acting as processors who, for example, provide administration services or payroll services.
- Professional advisers acting as processors or joint controllers including lawyers, tax advisors and auditors.
- HM Revenue & Customs, regulators and other authorities acting as processors or joint controllers who require reporting of processing activities in certain circumstances.
- Providers of services that are freely accessible by you via the My Money Matters platform.
Other parties to whom we may choose to sell, transfer or merge parts of our organisation or our assets. Alternatively, we may seek to acquire other organisations or merge with them. If a change happens to our organisation, then the new owners may use your personal data in the same way as set out in this privacy statement.

We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own undisclosed purposes. We only permit them to process your personal data for specified purposes and in accordance with our instructions. If we need to share any of your personal data with third-party service providers on the My Money Matters platform, we will notify you of this and seek your consent to that transfer of data.

My Money Matters may use the following Sub‑Processors to provide services, messaging, communications and platform functionality. These Sub‑Processors process personal data only on documented instructions from us as Data Controllers and via My Money Matters and are subject to contractual data protection obligations:

Amazon EU S.à r.l. (Amazon Web Services)
- Address: 38 Avenue John F. Kennedy, Luxembourg 1855, Luxembourg
- Data Storage Location: EU (Ireland)
- Description of Data Processing: Cloud hosting infrastructure used for the AVC Wise Platform.
Clerical Medical (Scottish Widows Ltd)
- Address: 25 Gresham Street, London, EC2V 7HN
- Data Storage Location: UK / EEA
- Description of Data Processing: Pension provider for some of our partner organisations.
Emarsys UK Limited
- Address: 20th Floor, The Scalpel Building, 52–54 Lime Street, London, EC3M 7BS
- Data Storage Location: EU (Austria)
- Description of Data Processing: Marketing software that enables personalised marketing interactions between organisations and users.
Google LLC
- Address: 76 Buckingham Palace Road, London, SW1W 9TQ
- Data Storage Location: UK (London)
- Description of Data Processing: Cloud hosting infrastructure used for the My Money Matters platform and data analytics.
HubSpot UK
- Address: 199 Bishopsgate, London, EC2M 3T
- Data Storage Location: EU (Germany)
- Description of Data Processing: CRM and marketing platform used to support My Money Matters’ sales and marketing activities.
Heroku (Salesforce UK Ltd)
- Address: Floor 26, Salesforce Tower, 110 Bishopsgate, London, EC2N 4AY
- Data Storage Location: EU
- Description of Data Processing: Cloud provider hosting the current AVC Wise platform.
Legal & General
- Address: 57 Ladymead, Guildford, Surrey, GU1 1DB
- Data Storage Location: UK: Description of Data Processing
- Pension provider for some partner organisations.
Microsoft Corporation
- Address: One Microsoft Way, Redmond, WA 98052, USA
- Data Storage Location: EU
- Description of Data Processing: Microsoft 365 environment used for internal business operations.
Ningi Ltd
- Address: 60 Station Road, Nassington, Peterborough, PE8 6QB
- Data Storage Location: UK (London) and EU (Ireland)
- Description of Data Processing: Cloud platform used for the Digital Investment Advice Service provided by Westminster Wealth Management LLP.
Nudge Global Ltd
- Address: Portland House, 114 Sarsfeld Road, London, SW12 8HL, United Kingdom
- Data Storage Location: EU (Ireland and the Netherlands)
- Description of Data Processing: Platform service providing impartial, personalised financial education to help individuals improve financial knowledge and wellbeing.
Okta Inc.
- Address: 20 Farringdon Road, London, EC1M 3HE
- Data Storage Location: EU (Ireland and Germany)
- Description of Data Processing: Centralised identity and access management platform.
Prudential
- Address: 1 Angel Court, London, EC2R 7AG
- Data Storage Location: UK
- Description of Data Processing: Pension provider for some partner organisations.
Twilio
- Address: 280 Bishopsgate, London, EC2M 4AG
- Data Storage Location: EU
- Description of Data Processing: Communication platform supporting messaging and data services used to improve accessibility of financial resources.
Userpilot
- Address: 7200 N Mopac Expy Suite 300, Austin, TX 78731, USA
- Data Storage Location: EU
- Description of Data Processing: Platform used to enhance onboarding and the in-platform user experience.
Voiceflow
- Address: 410 Adelaide Street West, Suite 610, Toronto, ON M5V 1S8, Canada
- Data Storage Location: Canada
- Description of Data Processing: Voice messaging platform used to improve accessibility of financial resources.
Westminster Wealth Management LLP
- Address: 167 Fleet Street, London, EC4A 2EA
- Data Storage Location: Cloud platform hosted by Ningi Ltd
- Description of Data Processing: Digital Investment Advice Service provided by this third-party organisation authorised and regulated by the FCA.
WhatsApp LLC
- Address: 1 Meta Way, Menlo Park, California 94025, USA
- Data Storage Location: USA
- Description of Data Processing: Messaging platform used to improve accessibility of financial resources for employees.
Zapier
- Address: 5 New Street Square, London, EC4A 3TW
- Data Storage Location: EU / USA
- Description of Data Processing: Automation platform used to support secure and efficient operational processes.
Zendesk Inc. (Zendesk UK Ltd)
- Address: 30 Eastbourne Terrace, London, W2 6LA
- Data Storage Location: EU
- Description of Data Processing: Customer support platform used to manage the My Money Matters support service.
Zoom
- Address: 6th Floor, Mid-City Place, 71 High Holborn, London, WC1V 6EA, United Kingdom
- Data Storage Location: EU
- Description of Data Processing: Video communication platform used for onboarding and customer interactions.

6. International transfers

My Money Matters and some of its Sub-Processors may transfer your personal data outside the European Economic Area (EEA).

Where personal data is transferred outside the UK or the European Economic Area, including to the Sub‑Processors listed above, such transfers are protected by appropriate safeguards including the UK International Data Transfer Addendum, Standard Contractual Clauses, or adequacy regulations, together with appropriate technical and organisational security measures.

7. Data security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.

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

8. Data retention

How long will you use my personal data for?

We will only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. We may retain your personal data for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you.

To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.

In some circumstances, you can ask us to delete your data: see the ‘Your legal rights’ section below for further information.

In some circumstances, we will anonymise your personal data (so that it can no longer be associated with you) for research or statistical purposes, in which case we may use this information indefinitely without further notice to you.

9. Your legal rights

In certain circumstances, you have rights under data protection law in relation to your personal data.

You have the right to:

Request access to your personal data (commonly known as a data subject access request). This enables you to receive a copy of the personal data we hold about you and to check that we are processing it lawfully.
Request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.
Request erasure of your personal data. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.
Object to processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.
Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in the following scenarios:
- If you want us to establish the data's accuracy.
- Where our use of the data is unlawful but you do not want us to erase it.
- Where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims.
- You have objected to our use of your data but we need to verify whether we have overriding legitimate grounds to use it.
Request the transfer of your personal data to you or to a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.
Withdraw consent at any time where we are relying on consent to process your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. We will advise you if this is the case at the time you withdraw your consent.

If you wish to exercise any of the rights set out above, please contact us. Alternatively, you can contact My Money Matters (our Data Processor) by email at support@my-money-matters.co.uk - who will then make us aware of your data right request.

No fee usually required

You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is ‘manifestly unfounded or excessive’. Alternatively, we could refuse to comply with your request in those circumstances.

What we may need from you

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.

Time limit to respond

Normally, we will respond to all legitimate requests within one month. In exceptional cases, it could take us longer than a month if your request is particularly complex or you have made a number of requests. In such a case, we will notify you and keep you updated.

You should be aware that when you access or use our content, products and services, we may collect information from your devices through the use of 'cookies'. Cookies perform various different functions, and the purpose of this notice is to give you a clearer understanding of:

What cookies are

Why do we use cookies

How we use cookies

How you can control the use of cookies

What are cookies?

Cookies are text files containing a small amount of information that are downloaded to your device when you visit a website. Your browser makes cookies available each time you visit our website.

Why do we use cookies?

Cookies are used by our website to improve your online experience and to ensure that relevant content and functions are delivered and used more effectively.

We use both session cookies and persistent cookies to perform various functions.

Session cookies are downloaded to your device temporarily for the period that you browse a particular website; these cookies might allow you to navigate between pages more efficiently or enable websites to remember the preferences you select.

Persistent cookies can be used to help websites remember you as a returning visitor or ensure the online adverts you receive are more relevant to your interests.

How we use cookies?

When you visit our websites, Cookies will be placed on your device in two ways. Cookies placed by AVC Wise, as the site operator, are called "first party" cookies. Cookies may also be placed on your device by a party other than AVC Wise, such cookies are known as "third party” cookies. Examples of the uses of third-party cookies include collecting information about browser habits and providing tailored content to you.

While there are many different uses for first- and third-party cookies, the cookies used by us all fall into one of the following four main categories of cookies:

Strictly Necessary Cookies

Functionality Cookies

Performance Cookies

Third Party Marketing / Targeting Cookies

Set out below is more information on these categories of cookies, including their purpose and whether these cookies collect personal data:

Cookie Type - Strictly Necessary Cookies

Purpose - These cookies are strictly necessary to enable you to navigate our website and to use the features you have requested during the course of your experience. They are used to provide content to you, as a user, and to provide services that you have requested.

Such cookies are essential to help your device download or stream information so that you can navigate around our website, use its features and allow you to return to pages you have previously visited.

Here are some examples of strictly necessary cookies:

To position information on your device or screen so that you can see and use our websites;

To keep you logged in when you use our website so you are not required to log in every time you visit.

These cookies do not remember your preferences or username beyond your current visit.

Data Collection - Some of these cookies do collect your personal data in order to function. They may collect the following types of personal data:

IP address

Location data

Identify you as being logged in our websites

Cookie Validity - These cookies are deleted when you close your web browser (browser session). You can control the use of cookies depending on the type of browser you are using. See the section below on How You Can Control The Use of Cookies.

Cookie Type - Functionality Cookies

Purpose - These cookies are used to recognise you when you return to our website and allow us to remember the choices you make and to enable us to provide improved features. They also enhance the functionality of our website by storing your preferences. Functional cookies record information about choices you've made (such as language preference) and allow us to provide more personal features.

Here are some examples of the uses of functionality cookies:

To remember your preferences and settings such as language, location and marketing preferences, since your last visit;

To remember selections you have made;

To remember if you have used a specific service on the website; and

To show you relevant 'related article' links.

Data Collection - Some of these cookies do collect your personal data, to enable us to provide the services as outlined above.

Cookie Validity - Functional cookies expire after a maximum 2 years. Functional cookies can be deleted from your browser history at any point before their expiry time. See the section below on How You Can Control The Use of Cookies.

Cookie Type - Performance Cookies

Purpose - These cookies are used to collect information on website usage. Such cookies are used to provide aggregated statistics on visitors to our websites. These statistics are used for internal purposes to help us to test and improve the performance of our websites, providing a better user experience.

Here are some examples of the uses of performance cookies:

To provide statistics on how our websites are used;

To see how effective our adverts are; and

To assess errors within the user experience.

Additionally, we use a number of tools to assess cookie information at an aggregate level to carry out analytical functions on our site including Google Analytics.

Data Collection - While these cookies do not identify you personally while you are not logged in, they will collect your browser information and anonymised data, for the purposes outlined above.

In certain cases, some of these cookies are managed by third parties such as Google Analytics. These third parties are not capable of using these cookies for any purpose other than those outlined above, and they are unable to identify you with these cookies.

Cookie Validity - Performance cookies are valid for varying periods. Some performance cookies are deleted once you close your browser, while others have an indefinite validity period. Such cookies can be deleted at any stage using your browser settings. See the section below on How You Can Control The Use of Cookies.

Cookie Type - Third Party Marketing / Targeting Cookies

Purpose - These cookies are used to deliver AVC Wise advertisements relevant to you, based upon your interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of an advertising campaign. These cookies record your visit to our website, the pages you have visited and the services you have selected. We will use this information to make our website and the advertising displayed more relevant to your interests. We may also share this information with third parties for this purpose and to measure the effectiveness of an advertising campaign.

Targeting cookies are also used to:

Collect information about browser habits to target website content and to target advertising;

Link to social media networks who may use this information about your visit to target advertising to you;

To provide advertisers with information on your visit so that they can present you with adverts that you may be interested in;

Deliver content and marketing communications tailored to your interests based on information from your visit;

To perform site retargeting. A retargeting pixel (a tiny unit of code) on our webpage leaves a cookie in the user’s browser, which causes our adverts to be displayed or to not be displayed to you when you visit certain websites within the retargeting network (e.g. Google Display Network); and

To perform search retargeting, which allows our adverts to be displayed on third party webpages, based upon your previous web search activities.

Data Collection - Third parties (including, for example, advertising networks and providers of external services like web traffic analysis services) may also use cookies on our websites. These cookies are likely to be analytical/performance cookies, or targeting cookies. Please note that no personal data is collected, an advertiser is unable to associate the cookie with a particular individual's name, address or other personal information.

These cookies are placed by third party advertising networks with our permission.

Cookie Validity - Third party cookies are valid for varying periods. Some cookies expire up to 13 months after they are last updated. See the section below on How You Can Control The Use of Cookies.

How You Can Control The Use of Cookies

You can amend your browser settings to block some or all cookies. To do this, follow the instructions provided by your preferred web browser. For your ease of reference we have provided the links below which provide instructions on how to remove and delete cookies for some of the more common web browsers. Please be aware that if you block cookies from the websites, some or all the website's functions may not perform as intended:

Google Chrome: https://support.google.com/chrome/answer/95647?hl=en

Internet Explorer: https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies

Safari: https://support.apple.com/en-gb/guide/safari/manage-cookies-and-website-data-sfri11471/mac

Firefox: https://support.mozilla.org/en-US/kb/cookies-information-websites-store-on-your-computer?redirectlocale=en-US&redirectslug=Cookies

Mobile phone users may have to refer to their handset manual for details on how to block cookies using their mobile browser.

If you have any questions about how we use Cookies, you can contact us by emailing: support@my-money-matters.co.uk

Please read this information carefully. By using this website, you confirm that you have understood and agree to be bound by the terms and conditions set out on this page and by our Privacy Notice and our Cookie Notice. If you do not wish to agree to these terms and conditions or our privacy and our Cookie Notice, you must not use this website.

If you register on our platform or use our mobile Services via your Employer please refer to the MMM Platform Privacy Statement from your Employer.

This website and the information provided on it are for the use of permanent residents of the United Kingdom only. By using this website, you represent and warrant that you meet these requirements. If you do not meet these requirements, you should not use this website.

Information about us

my-money-matters.co.uk is a website operated by AVC Wise Limited. We are registered in England with company number 11406613 and our Registered Office is First Floor, 5 Fleet Place, London, United Kingdom, EC4M 7RD.

Jurisdiction

AVC Wise Limited controls and operates this website from England and the information delivered via the website is deemed to have been delivered in England. We make no representation that the material contained in this website is appropriate or available for use in other locations outside the United Kingdom. By operating this website, we are not soliciting any business from any location outside the United Kingdom.

This website is not directed to any person in any jurisdiction where (by reason of that person's nationality, residence or otherwise) the publication or availability of this website is prohibited. Persons to whom such restrictions apply must not access this website. If you choose to access this site from outside the United Kingdom you are solely responsible for compliance with local laws.

This website and any transaction effected through it are governed by English law and the English courts shall have jurisdiction in any legal proceedings. Regulatory Notices

Nothing contained in this website should be construed as a solicitation, offer or recommendation to buy or sell any investment. By providing the information on this website, we are not determining the suitability of any investment for any investor. Nor does the information on this website constitute investment advice. You should obtain relevant professional advice before making any investment decision.

Disclaimer

The material published on this website is provided as a convenience to visitors and should be used for general information purposes only. If you require additional information, you should contact us by letter, telephone or email.

We reserve the right to change any material on this website without notice.

We may update the terms and conditions set out on this page and in our Privacy and Security Statement and our Cookie Notice from time to time. By continuing to use this website after we make any such updates, you confirm that you have understood and agreed to be bound by them. You should revisit the relevant pages regularly to ensure that you have seen and are aware of the current terms and conditions and the current Privacy and Security Statement and the current Cookie Notice, as they are binding upon you.

Viruses, hacking and other offences

We do not guarantee that our website will be free from bugs, malicious programs or materials or viruses. You are responsible for configuring your information technology, computer programmes and platform in order to access our website. You should use your own virus protection software.

You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of-service attack.

Our liability to you

Nothing in these terms and conditions excludes or limits our liability for:

death or personal injury as a result of our negligence; or

fraud or fraudulent misrepresentation.

We exclude all other conditions, warranties, representations or other terms which may apply to our website or any content on it, whether express or implied.

We will not be liable to you for any loss or damage (even if foreseeable) arising under or in connection with:

use of, or inability to use, our website;

use of or reliance on any content displayed on our website; or

viruses, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any content on it, or on any website linked to it.

We accept no liability for the information contained on any third-party websites linked to on our website and we will not be liable for any loss or damage that may arise from your use of them.

Linking

Where our website contains links to other websites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources and we accept no responsibility for them.

You must not link our website in any other website without our permission.

Intellectual Property Rights

The My Money Matters name and logo are registered trademarks of AVC Wise Ltd. We own the license of all copyright in our website, as well as the content, trademarks or other material published on it.

Unless specifically prohibited by a notice on any page, you may print or download individual sections of our website for your own personal information and use only, provided that you retain all copyright and other proprietary notices.

You must not use, extract or reproduce our trademarks or any content from our website for commercial purposes without first obtaining the written consent of AVC Wise Limited or any party which licenses any content to us.

How to complain if you're not happy about a product or service

We aim to provide excellent products and service at all times. If you feel you have cause to complain about a product or service we have provided to you, please contact us by letter, telephone or email. One of our customer service agents will deal with your complaint and will try to provide a quick and satisfactory conclusion for you.

So that we can try to resolve your complaint, please provide us with the following information when you contact us:

Your full name and address

Full details of your complaint

Any information you consider to be relevant to your complaint

Email: support@my-money-matters.co.uk

Telephone: 01252 959 779

Address: First Floor, 5 Fleet Place, London, United Kingdom, EC4M 7RD

General

If any part of these terms and conditions or our Privacy and Security Statement or our Cookie Notice is found to be invalid, unenforceable or unlawful by any court of competent jurisdiction, such part shall to that extent be severed from the remaining provisions all of which shall remain in full force and effect as permitted by law.

Failure by us to exercise any right or remedy under these terms and conditions or our Privacy and Security Statement or our Cookie Notice shall not constitute a waiver of that right or remedy, and shall not prevent us from exercising that right or remedy at any time in the future.

These terms and conditions, our Privacy and Security Statement and our Cookie Notice are governed by English law and in the event of a dispute you agree that the courts of England and Wales will have non-exclusive jurisdiction.