This is the privacy policy for The One Place Capital Limited (trading as Money Dashboard), a company registered in Scotland (company number SC301187) with a registered office at 5th Floor, 125 Princes Street, Edinburgh, EH2 4AD (“we”, “us”, “our”) in relation to the use of personal information provided in relation to the use of the website and online account and personal finance management services provided at, www.moneydashboard.com (“the Service”).

We know that you’ll want to know exactly what information we gather about you as a user of our Service (“User”), and how we intend to use (and just as importantly, not use) that information.

We'll try to keep everything in this document as straightforward as possible, but if there’s anything you don’t understand or you’re not happy about, or if you just want to suggest improvements please get in touch with us by:

• Emailing us at info@moneydashboard.com
• Writing to the Chief Executive Officer, Money Dashboard, 18 Charlotte Square, Edinburgh EH2 4DF.

Money Dashboard has been awarded TRUSTe's Privacy Seal signifying that this privacy policy and practices have been reviewed by TRUSTe for compliance with TRUSTe's program requirements including transparency, accountability and choice regarding the collection and use of your personal information. The TRUSTe program does not cover information that may be collected through downloadable software. The TRUSTe program covers only information that is collected through www.moneydashboard.com.

TRUSTe's mission, as an independent third party, is to accelerate online trust among consumers and organizations globally through its leading privacy trustmark and innovative trust solutions. If you have questions or complaints regarding our privacy policy or practices, please contact us as indicated above. If you are not satisfied with our response you can contact TRUSTe here.

Information Which We May Collect

To register to use our service you will have to supply us with personal information. “Personal Information” means information that identifies you. The personal information we collect to register you is your name, date of birth, UK postcode and your e-mail address. You will also need to choose a secure word. If you send an email to a friend about our site, we may collect their email address from you. You do not have to supply any information simply to visit the site.

Once you have aggregated accounts (see “Other people who have to be able to access your information” below for an explanation) with us, we will have access to that account information.

We keep track of the internet addresses from which Users visit us, and track the page(s) on our site that you visit. We analyse this data for trends and statistics. Please see “Cookies and Other Tracking Technologies”

How we use your information

We will use the personal information which we collect for the purposes of registering you as a User of our services, correspondence, or participating in online surveys to help us enhance our services and products for you, and to send a one-time email to your friends about our site upon your request.

We also ask for personal information at registration to enable us to ask security related questions if you later ask us for a new password.
In addition we will use your personal information and information from your account aggregation for the purposes of analysing it and making suggestions which may enable you to make savings or consider alternative or additional products to the ones which you are using. These suggestions can be delivered either in the service or by way of email or text messages to you. This may involve us sending limited details about you (which will not identify you) to our partners so that we can tailor suggested products for you more accurately.

Any information we collect is used to improve the content of the site; to enhance Users' experiences when visiting our site; and to customise the content and/or layout of our pages.

We also use personal information in performing statistical analysis of Users’ behaviour as a whole and; and to help in the to creation of anonymised statistical data (which we may use at our discretion (including licensing to third parties).

We do not share, personal information for any reason that is not disclosed in this Policy or apparent to you at the time the information is requested and we do not sell or rent any personal information.

Other people who have to be able to access your information

We use a company called Yodlee Inc. (www.yodlee.com) to provide software that lets you add details of the accounts which you want to include in the service (“account aggregation”). When you aggregate an account Yodlee collects and stores securely your log in details, such as User name and password. This information is never disclosed to us and is subject to Yodlee’s privacy policy. For further information on how Yodlee keeps your information secure please visit http://www.yodlee.com/security.html
Yodlee are headquartered in the USA. They have provided account aggregation to top U.K & U.S financial institutions for more than 10 years. We have a contract with Yodlee which requires them to be bound by our privacy policy and to meet the requirements of the Data Protection Act in just the same way as it applies to us.

The information we may have to give to somebody else

We may transfer your personal information to any company within our group from time to time, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 1159 of the UK Companies Act 2006.

We may share your personal information in the following ways:

• When required by law to comply with a judicial proceeding, court order, or similar legal requirement.
• When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, or investigate fraud.
• If MoneyDashboard is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or prominent notice on our web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.
• To any other third party with your prior consent to do so.

Access to or Deleting your account

If you want to terminate your agreement, email support@moneydashboard.com with details of your account (username, email address, first name and last name). For security we will confirm to you by email before closing your account. When confirmed your account will be closed and your ability to log in deactivated immediately, or in any event within 30 days.

To access and change your personal information, you may do this by logging into your online account on our website to make the necessary changes.

We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at support@moneydashboard.com. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

How long we keep your data

Once deleted by you the data will be automatically and immediately deleted from our systems and we cannot access it.

We reserve the right however to continue to use any anonymised statistical data which we created during your use of the Service.

If you delete your account we will automatically and immediately delete all information which we hold on you when we deactivate your account.

Use of email and text

You can use the service to provide you with email and text alerts which provide you with information which you want, eg your current account is close to becoming overdrawn. You can disable these alerts at any time by removing these alerts from within your Profile.

We may use email or text in relation to administrative matters, eg sending you a replacement password, or to let you know about changes to the service. An example of this would be a proposed change to this Privacy Policy.

We will not email or text you in relation to promotional matters without your consent. You can withdraw this consent at any time by contacting us as above or by following unsubscribe instructions within the email.

Customer Testimonials/Comments/Reviews

We post customer testimonials/comments/reviews on our web site which may contain personal information. We obtain the customer's consent via email prior to posting the testimonial to post their name along with their testimonial. If you wish to update or delete your testimonial, you can contact us at support@moneydashboard.com.

Blogs/Forums

We post customer testimonials/comments/reviews on our web site which may contain personal information. We obtain the customer's consent via email prior to posting the testimonial to post their name along with their testimonial.

Security

Please see our full security policy at http://www.moneydashboard.com/more-information/security/
The security of your personal information is important to us. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security.

Links to Other Web Sites

Our Site includes links to other Web sites whose privacy practices may differ from those of MoneyDashboard. If you submit personal information to any of those sites, your information is governed by their privacy statements. We encourage you to carefully read the privacy statement of any Web site you visit.

Changes to this Privacy Policy

We may need to modify this privacy policy at any time, so please review it frequently. If we make material changes to this policy, prior to the change becoming effective, we will tell you by email, or by a notice on our homepage so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

Cookies and Other Tracking Technologies

The Money Dashboard website uses cookies to enhance your experience of our website. Cookies are small data files which are placed on a website visitor’s computer or mobile device and are stored on the hard drive. The information contained within cookies can only be read by our server. They cannot be used to read or gather personal information that you have not specifically entered by yourself.

In order to access our websites full features all cookies must be enabled. For more information on how to manage cookies please refer to our ‘how to manage cookies’ section below.

Our use of cookies provides us with general (non-personal) information about how visitors use this website, i.e. the pages which are viewed most often or the most common traffic sources to our website. The information and statistics retrieved is aggregated and therefore completely anonymous. Our privacy policy does not cover the use of cookies by third parties. We have no access or control over these cookies.

Cookies are also used across this website to remember customizable user selections to provide you with a more personalized experience.

How to manage cookies

Your internet browsers security settings or preferences enable you to take control of the information you share online. These can usually be found within your browsers menu tab. You will be presented with the option to accept all cookies, receive an alert when a cookie has been set, or to disable your browser from receiving cookies.

Internet browsers provide the above features in their own distinct ways, so please refer to the help section – located on your browsers menu – for a specific set of instructions on how to change your cookie preferences. For those viewing this website on a mobile device, please refer to your handset guide or technical manual.

Please remember that disabling your browser from accepting cookies may limit your ability to access our websites full set of features and/or page content.

Our website also contains cookies set by third party websites (i.e. Social networking sites such as Twitter), which provide information and/or services on the MDB website. In order to manage these cookies you will have to visit the websites of our third parties and adjust your settings accordingly.

More information on how to control or manage cookies can be found at AboutCookies.org .

Last updated: March 2013.