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Please read this privacy policy carefully before using the www.moneyheroes.org.uk website or downloading any Money Heroes resources


Version 1 – June 2020


Last Updated: 29 June 2020


 


1. Overview


Money Heroes is an initiative of Young Money, which is part of Young Enterprise. Young Enterprise is the UK’s leading enterprise and financial education charity supporting children and young people to successfully earn and manage money. Young Money supports all educators in developing the financial capability of the young people they work with. We are a trusted and valued provider of knowledge, resources and training to anyone teaching children and young people how to manage money.


If you are participating in the Money Heroes programme (the “Programme”) browsing or logging on to https://www.moneyheroes.org.uk (the “Website“), or if you access or download any materials on the Website (the “Resources“), then this privacy policy (the “Policy“) applies to you. This Policy also applies to anybody else we interact with and collect information about with respect to the Programme, including volunteers, alumni, donors, funders, business partners, service providers, representatives of trusts & foundations and members of any parliamentary groups which we support.


Note that there is a separate privacy policy in relation to the Young Enterprise and Young Money website (www.young-enterprise.org.uk), available at https://www.young-enterprise.org.uk/policies, and other Young Enterprise or Young Money programmes may have their own separate privacy policies.


The Website is provided by Young Enterprise. If we refer to “we,usorour” in this policy, we mean Young Enterprise (incorporating both the Young Money and Money Heroes brands). There is more information about us at section 12 (at the bottom of this Policy).


Please read this Policy carefully as it explains how we collect and use information about you and any young people you work with in relation to the Programme (“personal information“), what we do with that personal information, who we share it with (and why), where it may be processed and the choices we provide to allow people to control, access and update that personal information.


Section 10 of this Policy explains how and why we use cookies on our Website (including what they are and how they are used by us and others to collect personal information about you).


 


2. What information do we collect about you and how is it collected?


When you use the Website, or you participate in the Programme, you are in control of how much personal information you choose to give us about yourself and others. There are two ways that we collect personal information: Directly collected information, which is information you have submitted to us yourself and indirectly collected information, which is information that you do not provide to us but which we have collected by other means.


The information that you provide to us could include, for example:



  • your name, address, email address, and telephone number;

  • the name and address of the school, college or other organisation you are associated with (or that your child or children attend);

  • your job title and/or role; and/or

  • the age of the children and/young people you work with.


Information provided to us: You may, for example, provide personal information to us about yourself when you:



  • register your details on the Website and/or register the school/organisation or children/young people you work with to participate in the Programme, receive updates or newsletters from us, or use our Website;

  • download or order any of the Resources available on the Website;

  • report a problem with the Website, Resources or the Programme, or ask a question in respect of the Programme or other Young Enterprise or Young Money programmes and services;

  • share information via the Website or social media functions (such as your social media profiles);

  • contact us (for example, by telephone or email);

  • give us feedback; or

  • complete a survey.


You may choose whether or not to give some information to us. However, not providing certain information may mean you cannot enjoy all or parts of the Website and may affect your participation in the Programme or that of the young people you work with.


Information that is automatically collected: When you use the Website, we automatically record information about your visit from your web browser or the device you are using to access the Website (such as your phone, laptop or home computer). The information that might be automatically collected in this way includes:



  • the IP address of your device, device information such as whether it is a phone or laptop, the unique device identifier (which is a specific number that your devices will have) and the software your device is using;

  • how you use the Website such as what pages you look at, the Resources you download and how long you are on a Website page;

  • Website traffic data;

  • cookie information (as explained in our Cookies Policy); and

  • location information (e.g. what country or city you are in when you access our Website, but this information is only seen by us if your device settings allow this).


Some of this information may be collected using cookies and similar tracking technology, as explained further at section 10 of this Policy.



  • Information from others: We also collect some information from other organisations and public sources. For example where you are a member of staff at a school or college, we may use information available from gov.uk or your school’s website to find out more about your school and the demographics of the children or young people who attend.


 


3. How do we use the personal information we collect?


The personal information you provide to us (directly and indirectly as explained at section 2 of this Policy) and which we hold about you is used for the following reasons:



  • To carry out our commitments to you, including:

  • operating and administering your participation or other involvement in the Programme;

  • providing you with the Website and Resources; orprocessing your request to receive news and updates from us, download our Resources or your application for you or the school/organisation you work with to participate in the Programme.

  • To tell you about the Programme, the Resources and any changes or updates to the Programme or Resources.

  • To promote Young Enterprise and Young Money and any other of our products, services, programmes or events which we think you may be interested in, but we will only do this if you have given us your permission to contact you for these reasons or if the law allows us to do so.

  • To answer your questions about the Programme and the Website, or about other Young Enterprise or Young Money programmes and services.

  • To improve the products, programmes or services which we can offer to you (and others).

  • To deal with and respond to any complaints, questions or feedback which you (and others) provide about us, the Programme and the Website.

  • To improve the operation of the Website (such as how it looks, how well it works and what information you see on the Website).

  • To conduct surveys and to obtain your feedback on the Programme, Website and other questions or issues which are relevant to Money Heroes, Young Enterprise or Young Money.

  • Where the Programme is funded or supported by, or in partnership with, another organisation, to provide updates and reports on the Programme to our funders, supporters and partners.

  • To work with you where you are a volunteer, business partner, service provider, trust or foundation (including communicating with you and managing our relationship with you).

  • To make the Website work well when you access it from different devices such as your phone or laptop.

  • To prevent, monitor and take action in respect of any suspected or reported fraudulent or illegal activity.

  • To operate our charity in accordance with the laws and regulations which apply to us which includes our safeguarding duties to the children and young people that we work with and ensuring that our staff and volunteers who work with young people are appropriate to serve this role for Young Enterprise.

  • To report any incidents or claims to our insurers.


We may also use information that you have provided, or that has automatically been collected from you, in an anonymised way. This means that we cannot link the information to you or the young people you work with and have no way of knowing who the information is about. We use anonymised information for these reasons:



  • For analysis, research and statistical purposes to help us understand who is participating in the Programme (and to provide reports and updates to the funders or supporters of the Programme at an aggregated level), using the Website and Resources and when and how they are used.


For example, the type of anonymised information we might use includes the number of users from the same organisation, in the same region and age-groups of participants.



  • To maintain, protect and improve the Website and our programmes and services by, for example:

  • Presenting information to our leadership team about our programmes and services and the people and organisations that take part in them and who use the Website and Resources;

  • Promoting communications about the Website and the Programme within Young Enterprise and externally to the organisation (but we will not provide personal information to third parties so that they may promote their products and services to you, unless you have provided your permission for us to do this);

  • Lobbying to inform the government and funding bodies of demand for our programmes and services to try to get more support; and to understand the education and work goals and achievements of the people using the Website and Resources and taking part in the Programme.


 


4. Legal basis for processing personal information


We will normally collect personal information about you only where:



  • we have the relevant person’s permission (or that of their parent or guardian);

  • we need the personal information to perform a contract with the relevant person, or;

  • it is in our legitimate interests and not overridden by the data protection interests or fundamental rights and freedoms of the relevant person.


If we ask you to provide personal information that is needed by law or to perform a contract, we will tell you at the time and tell you whether you are able to proceed without providing personal information.


Where we collect and use personal information on the basis of our legitimate interests (or those of any other group), our legitimate interests include the activities in section 3 above. If we process personal information for any other legitimate interests, we will tell you at the time what those legitimate interests are.


If you have questions about or need more information about the legal basis on which we collect and use personal information, please contact us using the contact details provided at section 11 below.


 


5. Who do we share personal information with?


We may share personal information with the following people and organisations:



  • Companies in our Group, including Young Enterprise Scotland (for further details, please visit: https://yes.org.uk/), Young Enterprise Northern Ireland (for further details, please visit: https://yeni.co.uk/), and Young Enterprise Gibraltar, whose details can be found on the Young Enterprise website;

  • Our partners, being those companies that we engage to provide services for us in respect of the Website, the Programme and other Young Enterprise or Young Money programmes and services, which are:

  • 383 Project Limited, who developed the Website, and who provide ongoing development and other support in relation to the Website;

  • OWA Digital, who provide IT support, maintenance and hosting services to us;

  • MailChimp (operated by The Rocket Science Group LLC), who provide mailing services to us so that we can send e-mail communications to you about the Programme or other Young Enterprise or Young Money programmes and services; and

  • SmartSurvey Ltd, who provide us with online survey services in respect of our programmes and services.

  • Our funders, supporters and partners, being any organisation that provides funding for, support for, or in any other way contributes to, the Programme or the Resources.

  • The police, local authorities, Her Majesty’s Revenue and Customs (HMRC), the courts and any other government authority where we believe the sharing of your information is necessary:

  • by law; for us to exercise, establish or defend our legal rights; or to protect a person’s vital interests.

  • Our professional advisors including our lawyers and accountants when they need it to give us their professional advice.

  • Our insurers where it is necessary to disclose personal information in respect of a claim under our insurance.

  • The Disclosure and Barring Service where for certain volunteering / employee roles you may be required to be checked at an Enhanced level by the Disclosure & Barring Service.

  • In the event that we sell or buy our business, in which case we will share personal information with the seller or buyer of the business or property.


Where we share personal information with these people and organisations, we will only do so for the purposes set out above and as specified in section 3.


 


6. International transfers of personal information


Personal information may be transferred to, and processed in, countries other than where the relevant person lives. Those countries may have data protection laws that are different to the laws of that person’s country (and may not be as protective).


We process personal information in the United Kingdom and in some other EU countries, such as the Republic of Ireland, and some of our service providers will process personal information in the United States. Where your personal information is processed in the United States, the recipient is either EU/US Privacy Shield certified (such MailChimp) or we have entered into the European Commission’s ‘standard contractual clauses’ with the recipient.


 


7. How long do we keep personal information?


We retain personal information we collect from you where we have an ongoing organisational need to do so (for example, to provide you with a service you have requested or to comply with the law or tax or accounting requirements or to deal with any claim which you, we or somebody else may have in respect of personal information).


When we no longer have an organisational need to process personal information, we will either delete or anonymise it or, if this is not possible (for example, because the personal information has been stored in backup archives), then we will securely store the personal information and make sure that it is not processed until we can delete it. We maintain a data retention and deletion policy and we will retain and delete your personal information in accordance with this policy.


 


8. Your rights


You have the following data protection rights:



  • If you wish to access, correct, update or request deletion of personal information, you can do so at any time by contacting us using the contact details at section 11 below. You may also be able to do this within your secure account. Please note that some information cannot be changed once you have entered it. This is to discourage users from engaging in unlawful activities. We may be unable to continue providing the Website or Resources or continue to allow you or the young people you work with to participate in the Programme if you delete certain pieces of personal information we hold – if you have any questions or concerns about this, please get in touch with us (our contact details are in section 11).

  • You can also object to processing of personal information, ask us to restrict processing of personal information or request portability of personal information. Again, these rights can be exercised by contacting us using the contact details at section 11 below.

  • You have the right to opt-out of marketing communications we send you at any time.


You can exercise this right by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you. To opt-out of other forms of marketing (such as postal marketing or telemarketing), then please contact us using the contact details at section 11 below.



  • If we have collected and process personal information on the basis of consent, then that consent can be withdrawn at any time, but we may still be entitled to use the information on a different legal basis.

  • You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority. In the UK this will be the Information Commissioner’s Office


(the “ICO“). The ICO makes a lot of information accessible to consumers on their website and they ensure that the registered details of all data controllers, such as Young Enterprise, are available publicly. You can access them at www.ico.org.uk.


We answer all requests from people wanting to exercise their data protection rights in line with the requirements of data protection laws.


 


9. Updates to this Policy


Over time we might change the personal information we collect, how we store it, who we share it with and how we use it.


We may need to update or change this Policy from time to time. We will try our best to tell you about any changes by posting on the Money Heroes website www.moneyheroes.org.uk and will ask for your permission where the changes are important and where your permission (or that of the young people you work with) is required under data protection law. That way, you can check to see if you’re still happy.


 


10. Cookies



  • What Are Cookies: Like most websites, our Website uses cookies to collect information. Cookies are small data files which are placed on your computer or other devices (such as smartphones or tablets) as you browse our Website. They are used to ‘remember’ when your computer or device accesses our Website. Our Website uses cookies to distinguish you from other users of our Website. This helps us to provide you with a good experience when you use our Website and allows us to improve our Website. Cookies are essential for the effective operation of our Website.

  • How We Use Cookies: Some cookies collect information about browsing behaviour when you access our Website via the same computer or device. This includes information about pages viewed, resources downloaded and your journey around a website. All data passed by cookies is anonymous and will never contain individual details. We may collect the IP address of the device you are using to access our Website (e.g. your phone, mobile, laptop or home computer IP address) when you visit our Website. From this we may be able to identify the approximate location of the device you are using to visit our Website and the domain that it is using to access the Internet. For more detailed information about how cookies work, please visit www.allaboutcookies.org.

  • Disabling Cookies: You have the right to choose whether or not to accept cookies. You can block cookies by changing your browser settings so that cookies from this Website cannot be placed on your computer or mobile device. The “help” portion of the toolbar on most internet browsers will tell you how to change your browser cookie settings, including how to have the browser notify you when you receive a new cookie, and how to disable cookies altogether. Please note that if you choose not to accept cookies you may not have access to certain features that make your experience of our Website more efficient and some of the features on our Website may not function properly.


The Cookies We Set



  • Account related cookies – If you create an account with us then we will use cookies for the management of the signup process and general administration. These cookies will usually be deleted when you log out however in some cases they may remain afterwards to remember your site preferences when logged out.

  • Login related cookies – We use cookies when you are logged in so that we can remember this fact. This prevents you from having to log in every single time you visit a new page. These cookies are typically removed or cleared when you log out to ensure that you can only access restricted features and areas when logged in.

  • Email newsletters related cookies – This site offers newsletter or email subscription services and cookies may be used to remember if you are already registered and whether to show certain notifications which might only be valid to subscribed/unsubscribed users.

  • Forms related cookies – When you submit data through a form, such as those found on contact pages or comment forms, cookies may be set to remember your user details for future correspondence.

  • Site preferences cookies – In order to provide you with a great experience on this site we provide the functionality to set your preferences for how this site runs when you use it. In order to remember your preferences we need to set cookies so that this information can be called whenever you interact with a page that is affected by your preferences.

  • Third Party Cookies: In some special cases we also use cookies provided by trusted third parties. The following section details which third party cookies you might encounter through this site.


[Table to be added once the website goes live ]



  • This Website uses Google Analytics which is one of the most widespread and trusted analytics solution on the web for helping us to understand how you use the site and ways that we can improve your experience. These cookies may track things such as how long you spend on the site and the pages that you visit so we can continue to produce engaging content.

  • Third party analytics are used to track and measure usage of this site so that we can continue to produce engaging content. These cookies may track things such as how long you spend on the site or pages you visit which helps us to understand how we can improve the site for you.


 


11. Contact us


Please contact us if you have any questions about information we hold about you or about this Policy:



  • Send an email to [email protected]

  • Write to us at FAO: Head of Programmes and Services, Young Enterprise, Coram Campus, 41 Brunswick Square, London WC1N 1AZ, United Kingdom


12. About us


Young Enterprise is a charity incorporated in England and Wales as a company limited by guarantee, with company number 712260 and registered charity number 313697 and having its registered office at Coram Campus, 41 Brunswick Square, London WC1N 1AZ.


We are the ‘data controller’ for the personal information that we process in accordance with this Policy. This term is a legal phrase used to describe a person or entity that controls the way someone’s personal information is used and processed. We are registered with the Information Commissioner’s Office in the United Kingdom. Our registration number is Z6643877.