Privacy Policy

tbook.finance is owned and managed by Money Science Ltd, and understands that your privacy is important to you and that you care about how your personal data is used. We respect and value the privacy of everyone who visits this website, www.moneyscience.com (“Our Site”) and will only collect and use personal data in ways that are described here, and in a way that is consistent withour obligations and your rights under the law.

Please read this Privacy Policy carefully and ensure that you understand it. Your acceptance of this Privacy Policy is deemed to occur upon your first use of our site and you will be required to read and accept this Privacy Policy when signing up for an Account. If you do not accept and agree with this Privacy Policy, you must stop using Our Site immediately.

Definitions and Interpretation

In this Policy the following terms shall have the following meanings:

Information About Us

Our Site is owned and operated by Money Science Ltd , a Limited Company registered in England under company number 6184038.

Registered address: Kemp House 152-160 City Road, London EC1V 2NX, United Kingdom.

VAT number: 902765232.

Company number: 6184038

Data Protection Officer: Money Science Ltd.

Email address: admin@moneyscience.com

Telephone number: +44 (0) 789 1984534

What Does This Policy Cover?

This Privacy Policy applies only to your use of Our Site. Our Site may contain links to other websites. Please note that we have no control over how your data is collected, stored, or used by other websites and we advise you to check the privacy policies of any such websites before providing any data to them.

What is Personal Data?

Personal data is defined by the General Data Protection Regulation (EU Regulation 2016/679) (the “GDPR”) as ‘any information relating to an identifiable person who can be directly or indirectly identified in particular by reference to an identifier’.

Personal data is, in simpler terms, any information about you that enables you to be identified. Personal data covers obvious information such as your name and contact details, but it also covers less obvious information such as identification numbers, electronic location data, and other online identifiers.

What Are Your Rights?

Under the GDPR, you have the following rights, which we will always work to uphold:

Please note that exercising these rights may also prevent us or our platforms from continuing serve you. We are not under any obligation to continue with our service to you in the event that your restrictions are applied pursuant to the above rights.

• The right to be informed about our collection and use of your personal data. This Privacy Policy should tell you everything you need to know, but you can always contact usto find out more or to ask any questions using the details below.
• The right to access the personal data we hold about you. Part 13 will tell you how to do this.
• The right to have your personal data rectified if any of your personal data held by usis inaccurate or incomplete. Please contact us using the details below to find out more.
• The right to be forgotten, i.e. the right to ask usto delete or otherwise dispose of any of your personal data that we have. Please contact us using the details below to find out more.
• The right to restrict (i.e. prevent) the processing of your personal data.
• The right to object to us using your personal data for a particular purpose or purposes.
• The right to data portability. This means that, if you have provided personal data to usdirectly, we are using it with your consent or for the performance of a contract, and that data is processed using automated means, you can ask usfor a copy of that personal data to re-use with another service or business in many cases.
• Rights relating to automated decision-making and profiling. we do not use your personal data in this way.

For more information about Our use of your personal data or exercising your rights as outlined above, please contact us using the details provided below..

Further information about your rights can also be obtained from the Information Commissioner’s Office or your local Citizens Advice Bureau.

If you have any cause for complaint about Our use of your personal data, you have the right to lodge a complaint with the Information Commissioner’s Office.

What Data Do We Collect?

Depending upon your use of our platform, we may collect a range of personal data. The list varies depending on the type of account you have with us and the online collectives that you may join. At the minimum we may require the following. some or all of the following personal and non-personal data (please also see Part 14 on Our use of Cookies and similar technologies):

• Name;
• Email address;
• Telephone number;
• Business name;
• IP address;
• Web browser type and version;
• Operating system;
• A list of URLs starting with a referring site, your activity on Our Site, and the site you exit to;
• Interests
• Location
• Academic Institution
• In addition to this, we would be logging your IP address, some of the other information sent by your browser. This is used mostly for ensuring security on our platform. Some of it may be stored against your profile, again for maintaining security for both our platform and you.
• How Do we Use your Personal Data?

Under the GDPR, we must always have a lawful basis for using personal data. This may be because the data is necessary for Our performance of a contract with you, because you have consented to Our use of your personal data, or because it is in Our legitimate business interests to use it. Your personal data may be used for one or more of the following purposes:

• Providing and managing your Account;
• Providing and managing your access to Our Site;
• Personalising and tailoring your experience on Our Site;
• Supplying Our products or services to you. Your personal details are required in order for usto enter into a contract with you.
• Personalising and tailoring Our products or servicesfor you.
• Communicating with you. This may include responding to emails or calls from you.
• Supplying you with information by email that you have opted-in to (you may unsubscribe or opt-out at any time by clicking the appropriate unsubscribe link in marketing-related mails).
• Analysing your use of Our Site and gathering feedback to enable usto continually improve Our Site and your user experience.

With your permission and/or where permitted by law, we may also use your personal data for marketing purposes, which may include contacting you by emailwith information, news, and offers on OurProducts or Services.

You will not be sent any unlawful marketing or spam. we will always work to fully protect your rights and comply with Our obligations under the GDPR and the Privacy and Electronic Communications (EC Directive) Regulations 2003, and you will always have the opportunity to opt-out.

Third Parties (including Twitter, Facebook, YouTube, Google, Simply Jobs, Linkedin) whose content appears on Our Site may use third-party Cookies, as detailed below in Part 14. Please refer to Part 14 for more information on controlling cookies. Please note that we do not control the activities of such third parties, nor the data that they collect and use themselves, and we advise you to check the privacy policies of any such third parties.

We use the following automated systems for carrying out certain kinds of decision-making or profiling. If at any point you wish to query any action that wetake on the basis of this or wish to request ‘human intervention’ (i.e. have someone review the action themselves, rather than relying only on the automated method), the GDPR gives you the right to do so. Please contact usto find out more using the details below.

• The following automated decision-making method(s) may be used:
  • A transactional email notification engine to support the management of notifications regarding content which you are following or have requested to be notified about through some action on the site. This may include commenting, ‘liking’, following a topic or joining a group.
  • User may be classified into types based on responses to registration questions, or by requesting particular status.
  • Users may also be ranked according to a social capital model which processes site contributions and responses in order to provide a score.
• The following automated profiling may take place:
  • Generalised User Profiling with Google Analytics
  • Site based classification of Users using user data provided on the basis of this policy.

How Long Will You Keep My Personal Data?

We will not keep your personal data for any longer than is necessary in light of the reason(s) for which it was first collected. The following factors will be used to determine how long it is kept):

• The period during which you maintain your account with us;
• We may hold your information longer to fulfil our legal obligations
• Our services often presents your contribution for other members and sometimes for public views. The personal data that you have chosen to make public through our platform may stay for the duration of your posts. This data, as have been made public by yourself falls outside the protection of GDPR (Article XX)

How and Where Do You Store or Transfer My Personal Data?

We may store or transfer some or all of your personal data in countries that are not part of the European Economic Area (the “EEA” consists of all EU member states, plus Norway, Iceland, and Liechtenstein). These are known as “third countries” and may not have data protection laws that are as strong as those in the UK and/or the EEA. This means that we will take additional steps in order to ensure that your personal data is treated just as safely and securely as it would be within the UK and under the GDPR as follows.

We share your data within the group of companies of which we are a part. Where this involves the transfer of personal data outside the EEA, Our group ensures that personal data is protected by requiring all companies within the group to follow the same rules with respect to personal data usage. These are known as “binding corporate rules”. More information on binding corporate rules is available from the European Commission.

Where we transfer your data to a third party based in the US, this may be protected if they are part of the EU-US Privacy Shield. This requires that third party to provide data protection to standards similar to those in Europe. More information is available from the European Commission.

Please contact us using the details below below for further information about the particular data protection mechanism used by uswhen transferring your personal data to a third country.

The security of your personal data is essential to us, and to protect your data, we take a number of important measures, including the following:

• Appropriate third party contracts enforceable in the countries.
• Management oversight in the purpose and use of the data.

Do You Share My Personal Data?

We will not share any of your personal data with any third parties for any purposes, subject to one important exception.

In some limited circumstances, we may be legally required to share certain personal data, which might include yours, if we are involved in legal proceedings or complying with legal obligations, a court order, or the instructions of a government authority

we may sometimes contract with the following third parties to supply certain products or services. These may include payment processing, delivery, and marketing. In some cases, those third parties may require access to some or all of your personal data that we hold.

• Mailchimp – For mailings which are not transactional in nature
• Sendgrid – For alerts and notifications which are transactional in nature.

If any of your personal data is required by a third party, as described above, we will take steps to ensure that your personal data is handled safely, securely, and in accordance with your rights, Our obligations, and the third party’s obligations under the law, as described above.

If any personal data is transferred outside of the EEA, we will take suitable steps in order to ensure that your personal data is treated just as safely and securely as it would be within the UK and under the GDPR, as explained above in Part 9.

In some limited circumstances, we may be legally required to share certain personal data, which might include yours, if we are involved in legal proceedings or complying with legal obligations, a court order, or the instructions of a government authority.

How Can I Control My Personal Data?

• In addition to your rights under the GDPR, set out in Part 5, whenyou submit personal data via Our Site, you may be given options to restrict Our use of your personal data. In particular, we aim to give you strong controls on Our use of your data for direct marketing purposes (including the ability to opt-out of receiving emails from us which you may do by unsubscribing using the links provided in Our emails OR at the point of providing your details and by managing your Account.
• You may also wish to sign up to one or more of the preference services operating in the UK: The Telephone Preference Service (“the TPS”), the Corporate Telephone Preference Service (“the CTPS”), and the Mailing Preference Service (“the MPS”). These may help to prevent you receiving unsolicited marketing. Please note, however, that these services will not prevent you from receiving marketing communications that you have consented to receiving.

Can I Withhold Information?

You may access certain areas of Our Site without providing any personal data at all. However, to use all features and functions available on Our Site you may be required to submit or allow for the collection of certain data.

You may restrict Our use of Cookies using browser controls, however this may in part or whole impair your experience Our site. For more information, see Part 15 below.

How Can I Access My Personal Data?

If you want to know what personal data we have about you, you can ask usfor details of that personal data and for a copy of it (where any such personal data is held). This is known as a “subject access request”.

All subject access requests should be made in writing and sent to the email or postal addresses shown in Part 16. To make this as easy as possible for you, a Subject Access Request Form is available for you to use. You do not have to use this form, but it is the easiest way to tell useverything we need to know to respond to your request as quickly as possible.

There is not normally any charge for a subject access request. If your request is ‘manifestly unfounded or excessive’ (for example, if you make repetitive requests) a fee may be charged to cover Our administrative costs in responding.

we will respond to your subject access request within one month of receiving it. Normally, we aim to provide a complete response, including a copy of your personal data within that time. In some cases, however, particularly if your request is more complex, more time may be required up to a maximum of three months from the date we receive your request. You will be kept fully informed of Our progress.

In order to fulfil your subject access request. We will require validation of your request. The process will verify your identity or that your are legally responsible to ask for such data. Once the request has been validated the timing mentioned above will take into effect.

How Do You Use Cookies?

Our Site may place and access certain first-party Cookies on your computer or device. First-party Cookies are those placed directly by usand are used only by us. we use Cookies to facilitate and improve your experience of Our Site and to provide and improve Our products and services we have carefully chosen these Cookies and have taken steps to ensure that your privacy and personal data is protected and respected at all times.

By using Our Site, you may also receive certain third-party Cookies on your computer or device. Third-party Cookies are those placed by websites, services, and/or parties other than us. For more details, please refer to the table below. These Cookies are not integral to the functioning of Our Site and your use and experience of Our Site will not be impaired by refusing consent to them.

All Cookies used by and on Our Site are used in accordance with current Cookie Law.

Before Cookies are placed on your computer or device, you will be shown a pop-up prompt requesting your consent to set those Cookies. By giving your consent to the placing of Cookies you are enabling usto provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of Cookies; however certain features of Our Site may not function fully or as intended.

Certain features of Our Site depend on Cookies to function. Cookie Law deems these Cookies to be “strictly necessary”. These Cookies are shown in the table below. Your consent will not be sought to place these Cookies, but it is still important that you are aware of them. You may still block these Cookies by changing your internet browser’s settings as detailed below, but please be aware that Our Site may not work properly if you do so. we have taken great care to ensure that your privacy is not at risk by allowing them.

The list of cookies and their use is explained in detail on our Cookie Policy page.

Our Site uses analytics services provided by Google Analytics. Website analytics refers to a set of tools used to collect and analyse anonymous usage information, enabling usto better understand how Our Site is used. This, in turn, enables usto improve Our Site and the products or services offered through it.

The analytics service(s) used by Our Site use(s) Cookies to gather the required information. You do not have to allow usto use these Cookies, however whilst Our use of them does not pose any risk to your privacy or your safe use of Our Site, it does enable usto continually improve Our Site, making it a better and more useful experience for you.

The analytics service(s) used by Our Site use(s)its own set of cookies:

In addition to the controls that we provide, you can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all Cookies or only third-party Cookies. By default, most internet browsers accept Cookies, but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device.

You can choose to delete Cookies on your computer or device at any time, however you may lose any information that enables you to access Our Site more quickly and efficiently including, but not limited to, login and personalisation settings.

It is recommended that you keep your internet browser and operating system up-to-date and that you consult the help and guidance provided by the developer of your internet browser and manufacturer of your computer or device if you are unsure about adjusting your privacy settings.

How Do you Contact us?

To contact us about anything to do with your personal data and data protection, including to make a subject access request, please use the following details (for the attention of Jacob Bettany):

Email address: admin@moneyscience.com

Telephone number: 01275 540563.

Postal Address: MoneyScience Ltd, Kemp House 152-160 City Road, London EC1V 2NX, United Kingdom.

Changes to this Privacy Policy

We may change this Privacy Notice from time to time. This may be necessary, for example, if the law changes, or if we change Our business in a way that affects personal data protection.

Any changes will be immediately posted on Our Site and you will be deemed to have accepted the terms of the Privacy Policy on your first use of Our Site following the alterations. we recommend that you check this page regularly to keep up-to-date. We will seek for your consent again if there are significant changes to this policy that may affect your rights.