This Privacy Policy explains how Zenny Finance (“we”, “us”) collects and uses personal data when you visit our website, interact with our content, or subscribe to updates.
In short: We use minimal data to run and improve the site, show ads (via Google AdSense), and measure what content helps readers. You stay in control via our cookie banner and Cookie Settings.
Who we are
- Controller: Zenny Finance
- Applicable law: UK GDPR & Data Protection Act 2018 (and EU GDPR for EEA visitors).
What data we collect
- Identifiers & device data: IP address, user-agent, device type, rough location (country/region).
- Usage data: Pages viewed, time on page, referring site, clicks, scroll depth (aggregated/analytics).
- Cookie preferences: Your consent choices and banner interactions.
- Contact data (if you provide it): Name and email for contact forms/newsletters.
- Advertising data (AdSense): Ad requests, impressions, and (if you consent) personalisation signals such as interest categories or unique ad identifiers. We do not receive your precise identity from Google.
How we collect data
- Directly from you: Forms (contact/newsletter).
- Automatically: Cookies, local storage, and similar technologies.
- From partners: Google (AdSense/Ad Manager) and analytics providers, where you have consented or where legitimate interests apply.
Why we use your data (lawful bases)
- Site operation & security (legitimate interests).
- Analytics & performance (consent where required; otherwise legitimate interests with safeguards and IP minimisation).
- Advertising:
- Personalised ads (consent).
- Non-personalised ads (legitimate interests or consent depending on region).
- Communications: Responding to your enquiries and sending newsletters you opted into (consent; legitimate interests for replies).
- Legal/compliance: Record-keeping, fraud prevention, enforcing terms (legal obligation/legitimate interests).
Cookies & similar technologies
We use the following categories:
- Strictly necessary: Security, load balancing, consent logging.
- Analytics/measurement: Understand performance and improve content.
- Advertising: Deliver, cap, and report ads; with your consent, personalise ads.
You can manage choices any time via Cookie Settings (link in footer) and your browser settings. Blocking some cookies may impact site features.
AdSense specifics
We partner with Google AdSense to display ads. Depending on your consent and regional settings:
- Google may use cookies or device identifiers to serve personalised or non-personalised ads.
- For EEA/UK, we request consent via our banner before any personalisation.
- Google may process data outside the UK/EEA with appropriate safeguards (e.g., SCCs).
Learn more from Google: How Google uses information from sites or apps that use our services and personalised vs non-personalised ads. (These links will be placed in your live policy.)
Analytics
We use privacy-minded analytics and/or third-party tools to understand site performance (e.g., page views, referring sources). Data is aggregated; IPs may be truncated or anonymised where supported.
Affiliate links
Some articles include affiliate links. When you click them, the affiliate network may place a cookie to attribute purchases to us. We do not receive your payment details. As an Amazon Associate, we may earn from qualifying purchases.
Data sharing
We share data only with:
- Service providers (hosting, security/CDN, analytics, email, consent management).
- Advertising/affiliate partners (e.g., Google AdSense, affiliate networks) to serve and measure ads and track referrals.
- Authorities where required by law.
We do not sell personal data.
International transfers
Where data is transferred outside the UK/EEA, we rely on lawful mechanisms (e.g., adequacy decisions or Standard Contractual Clauses) and apply appropriate safeguards.
Data retention
- Consent records & logs: Typically 13–24 months (to evidence compliance).
- Analytics: Aggregated summaries retained for trend analysis; raw events minimised or anonymised where possible.
- Contact emails/newsletters: Until you unsubscribe or your enquiry is resolved, plus a reasonable period for audit.
We delete or anonymise data when it is no longer needed.
Your rights (UK/EU)
You can access, rectify, erase, restrict, object, and port your data. Where processing relies on consent, you may withdraw it at any time. To exercise rights, email info@zennyfinance.co.uk. You can also complain to the UK ICO (ico.org.uk) or your local authority.
Children’s privacy
Our site is not directed to children. We do not knowingly collect data from children under 13 (or the relevant local age). Contact us if you believe a child has provided data.
Security
We use HTTPS, access controls, and vendor due diligence. No internet service is 100% secure; we work to protect your data but cannot guarantee absolute security.
Changes to this policy
We may update this policy from time to time. The “Last updated” date shows the latest version. Significant changes will be highlighted on this page.