CAPITAL MATTERS DISCLAIMER: 

Content on capitalmatters.co.uk represents an individual’s experiences and viewpoints, and your experience may differ. The owner of this site is not an investment advisor, financial planner, nor a legal or tax professional. Articles here are of an opinion and general nature and should not be relied upon for individual circumstances. Research and obtain professional advice regarding all financial decisions before attempting to duplicate any of the techniques described on this website.

Comment Policy

Discussion and disagreement in the comment section is not only allowed but encouraged. However, in order to maintain a friendly online environment, comments are moderated. A comment may be deleted if it...

  1. is unfriendly or impolite to the author or any other commenter
  2. advocates an illegal practice
  3. uses vulgar, profane, or unnecessarily harsh language
  4. is spam or appears to be written primarily to post a link or advertise
  5. is written anonymously
  6. contains copyrighted material not licensed for distribution on the site
  7. impersonates another user
  8. is off-topic

Opinions of commenters are not those of Capital Matters or its owners. If a comment is not deleted, it is not an endorsement of said comment.

Privacy Policy:

This privacy policy tells you what we do with your personal information and data relating to you when you use capital matters.co.uk, including:

  • what we may collect
  • why we collect it 
  • how we collect it and how it may be used
  • how we may share it
  • how long we may keep your data
  • your rights and choices about the data we collect

What We May Collect

Information you may give us 

You may provide personal information to us such as your name or e-mail address. For example, you may voluntarily submit information to us by subscribing to the Capital Matters email newsletter or submitting a contact form

Information we collect

We automatically collect certain anonymous information about your browsing behaviour to help us analyse the website and our service. For example, when you use the website, we will log your IP address, operating system type, browser type, referring website, pages you viewed or searched for, how long you visited, and the dates/times when you accessed the website. We also collect information about actions you take when using the website, such as links clicked.

Why we collect your personal information

We may use your personal information and data to enhance and personalise your experience and provide you with offers and services that may be of interest to you.

For example, we may:

  • send you money saving updates by email or other information we think you may find interesting after you have consented.
  • use the information we collect to enable us to administer the website, carry out analysis and improve the website 

How we collect and use your personal information

We may use third-party service providers to service various aspects of the website. Each third-party service provider’s use of your personal information is dictated by their own privacy policies.

Contact form

When you contact us via a contact form you may need to provide your email address. Where necessary, we will respond to you via email. We will not use your personal information for any other purposes.

You are able to use the contact form to send us a message, but we will be unable to respond to you.

Newsletter

When you register for the Capital Matters newsletter, you need to provide your email address. We use your email to send you regular money saving updates, special offers or other information we think you will find interesting. All newsletters sent may contain tracking pixels. The pixel is embedded in emails and allows an analysis of the success of campaigns. Because of these tracking pixels, we may see if and when you open an email and which links within the email you click.

If you no longer want to receive the Skint List newsletter, there is always an unsubscribe option in every email.

MailChimp is the service we use for delivery of email updates and newsletters. They store your name and email address for purposes of delivering such communications. Please refer to Mail Chimp's privacy policy for further information.

Comments 

When you leave a comment, your name will appear on the site unless you select to comment anonymously. 

Comments left on the website may be used in later research or in other articles on the website.

Cookies

We use cookies, which are small data files stored on your browser. It helps the website to remember information about your visit, like your preferred language and other settings. This can make your next visit easier and the site more useful to you. Cookies play an important role. Without them, using the web would be a much more frustrating experience.

We may use session cookies, which expire when you close your browser, and persistent cookies, which stay on your browser until deleted. We also use traffic log cookies to see which pages are being used, which helps us improve our website. We only use this for statistical analysis and then the data is removed from the system.

We use cookies to improve your experience of using the website and tailoring operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

The cookies cannot get access to your device or provide any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. You can modify or delete cookies in your browser settings, however, this may prevent you from taking full advantage of this website.

Please note that links displayed to other sites on our website may also use cookies, over which we have no control.

Tracking and analytics

We may use Google Analytics and tracking tools to collect anonymised data that cannot identify you but enables us to improve our website and deliver relevant and useful content to you. Google Analytics may capture your IP address, but no other personal information is captured. You can opt out of Google Analytics by going to https://tools.google.com/dlpage/gaoptout.

Display Ads

We may use Google Adsense to serve content and advertisements when you visit the website, that we think is relevant to your interests. They may use cookies, as noted above. Please refer to Google's privacy policy for more information. 

Affiliate Programs 

You should assume that any and all links on Capital Matters are affiliate links. If you click on these links, at no extra cost to you, we will receive compensation if you make a purchase. We only ever recommend products that we use ourselves. If you have any questions about this feel free to contact us directly.

Capital Matters is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.co.uk. 

Who We Share Data With

We keep all your personal information confidential.

We will not sell, distribute or lease your personal information to third parties unless we have your permission, are required to do so by law, or must in connection with legal proceedings.

We may also share anonymous aggregated data use with others, but will not include any personal information that could identify you. This is provided for marketing, advertising or other uses. For example, this may be analytics or information collected from cookies.

How Long We Retain Your Data

We will only keep your personal information for the purposes outlined in this privacy policy. When these purposes have expired, or are no longer relevant, or you have withdrawn your consent for us to use your personal information (and we have no other lawful basis to use such data), we will delete such data.

If you have not used our services for a reasonable amount of time, we may contact you to ensure you are still happy to receive communications. We may also delete your personal information.

Even if we delete your personal information, it may remain on a back-up or in archives.

Please refer to other third-party applications or services used by this website for further details on their data retention policies.

What Rights You Have Over Your Data

You have rights to your own personal information:

  • Opt-out - At any time, you may opt out of future e-mail communications by following the unsubscribe links in our e-mails. 
  • Access - You may request to access the personal information we have about you by submitting a request to us
  • Amend -  If you believe that any information we are holding on you is incorrect or incomplete, please write to or email us as soon as possible, at the above address. We will promptly correct any information found to be incorrect.
  • Forget - In certain situations, you may request that we erase or forget your personal data.
  • Restrict - In certain circumstances, you may request to limit the way we can use your personal information.
  • Data Portability - You can ask that we move, copy or transfer your personal information.

Please note that we may need to retain certain information for recordkeeping purposes or to complete transactions, or when required by law.

If you want to exercise any of your rights or you have any concerns about how we use your personal information and data, please email us at capitalmatters1994@gmail.com

Additional Information

We regularly review and, where necessary, update our privacy policy in line with the law, best practice or changes to our website services.

If we plan to use personal data for a new purpose, we update our privacy policy and will communicate the changes to individuals via email before starting any new processing.