1. 1. Introduction

  2. 1.1   Money for Moray is committed to safeguarding the privacy of persons for whom we process Personal Data. In this policy we explain how we will treat Personal Data processed by us, in accordance with data protection legislation, including the Data Protection Act 2018 and the General Data Protection Regulation (‘GDPR’).

  3. 1.2   Personal Data includes any information relating to an identified or identifiable natural person (‘Data Subject’) who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person.

  4. 1.3   Processing, for the purpose of this Privacy Notice, means any operation or set of operations which is performed on Personal Data or on sets of Personal Data, whether or not by automated means, such as collection, recording, organisation, structuring, storage, adaption or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction.

  5. 1.4   By consenting to this Privacy Notice you are giving us permission to process your Personal Data specifically for the purposes identified within this Privacy Notice.

  6. 1.5   Before you disclose to us the Personal Data of another person, you must ensure that you have that person’s consent, or another lawful basis, to the disclosure and the processing of that Personal Data in accordance with this policy.

  7. 1.6    In the event that we need to obtain Special Personal Data from you, other than as required by law, we will always tell you why and how the information will be used and obtain your consent for this.

  8. 1.7   You have a right to withdraw your consent to our processing your Personal Data at any time, and we have outlined the process for such a withdrawal within this Privacy Notice.

  9. 2. Processing Personal Data

  10. 2.1   We will only process such Personal Data which is adequate, relevant and limited to what is necessary for processing.

  11. 2.2   We may process the following kinds of Personal Data from your visit to our website:
    (a) information about your computer and about your visits to and use of this website (including your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths);
    (b) information that you provide to us when using the services on our website, or that is generated in the course of the use of those services (including the timing, frequency and pattern of service use);
    (c) information contained in or relating to any communication that you send to us or send through our website (including the communication content and metadata associated with the communication);
    (d) information necessary so as to provide third parties with statistical information about our users;
    (e) information required so as to deal with enquiries and complaints made by or about you relating to our website;
    (f) information required so as to keep our website secure and prevent fraud;
    (g) information required so as to verify compliance with the terms and conditions governing the use of our website (including monitoring private messages sent through our ‘Contact Us’ page on our website); and
    (h) any other personal information that you choose to send to us.

  12. 2.3   We will process Personal Data for the following lawful purposes:
    (a) Legitimate interests of our organisation. These include, the administration of our business, including maintaining and administering our website, debt recovery and processing accounts and expenses;
    (b) Performance of a contract or to enter into pre-contractual negotiations;
    (c) Compliance with a legal obligation placed on us;
    (d) To protect the vital interests of either yourself or another person; and / or
    (e) For other reasons with your consent, which can be withdrawn at any time

  13. 3. Disclosing Personal Data

  14. 3.1   We may disclose your Personal Data to any of our volunteers, officers, insurers, professional advisers, agents, suppliers or subcontractors insofar as reasonably necessary for the purposes set out in this policy.

  15. 3.2   We may disclose your Personal Data:
    (a) to the extent that we are required to do so by law;
    (b) to protect rights, property, the safety of us, our customers, users of our website or other persons;
    (c) in connection with any ongoing or prospective legal proceedings;
    (d) in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk);
    (e) to the purchaser (or prospective purchaser) of any business; or asset that we are (or are contemplating) selling; and
    (f) to another organisation if we enter into a joint venture or merge with another organisation.

  16. 3.3   We will not, without your express consent, supply your Personal Data to any third party for the purpose of their, or any other third party’s marketing.

  17. 3.4   Except as provided in this policy, we will not provide your Personal Data to third parties without first obtaining your consent.

  18. 3.5   If we wish to pass your Special Personal Data on to a third party, we will only do so once we have obtained your explicit consent, unless we are required to do so by law.

  19. 3.6   Any third party who we share your Personal Data with, are obliged to keep your details securely and when no longer needed, to dispose of them securely or to return the Personal Data to us.

  20. 4. Retaining Personal Data

  21. 4.1   Personal Data that we process for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes.

  22. 4.2   Unless we advise you otherwise, we will retain your Personal Data in accordance with our retention periods. We determine retention periods for Personal Data based on legal requirements and best practice.

  23. 4.3   Personal Data pertaining to Office Bearer(s) will be securely deleted as soon as we are notified of a change of Office Bearer(s).

  24. 5. Security of Personal Information

  25. 5.1   We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.

  26. 5.2   We will store all the personal information you provide on our secure password and firewall protected personal computers and laptops.

  27. 5.3   You acknowledge that the transmission of information over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.

  28. 6. Amendments

  29. 6.1   We may update this policy from time to time by publishing a new version on our website.

  30. 6.2   You should check this page occasionally to ensure you are happy with any changes to this policy.

  31. 6.3   We may notify you of changes to this policy, by email or through the private messaging system on our website.

  32. 7. Your Rights

  33. You have the following rights regarding the Personal Data which we hold about you:
  34. 7.1   right of access – you have the right to request a copy of the information that we hold about you;

  35. 7.2   right of rectification – you have a right to correct Personal Data that we hold about you that you think is inaccurate or incomplete;

  36. 7.3   right to be forgotten – in certain circumstances you can ask for the Personal Data which we hold about you to be erased from our records;

  37. 7.4   right to restriction of processing – in certain circumstances you have a right to restrict the processing of Personal Data;

  38. 7.5   right of portability – you have a right to have the Personal Data we hold about you transferred to another organisation;

  39. 7.6   right to object – you have the right to object to certain types of processing, such as direct marketing; and

  40. 7.7    right to object to automated processing, including profiling – you have the right not to be subject to the legal effects of automated processing or profiling.

  41. 8.   Complaints Procedure and Right to Legal Redress

  42. 8.1   In the event that we refuse your request under rights of access, we will provide you with a reason why.

  43. 8.2   If you wish to make a complaint about how your Personal Data is being processed by us, or any third party on our behalf, we would be grateful if you would in the first instance contact us at the details provided in paragraph 13 below, and we will endeavour to resolve your issue to your satisfaction.

  44. 8.3   You also have the right to complain directly to the Information Commissioner’s Office and seek other legal remedies.

  45. 9. Third Party Websites

  46. 9.1   Our website may include hyperlinks to, and details of, third party websites.

  47. 9.2   We have no control over, and are not responsible for, the privacy policies and practices of third parties.

  48. 10. Updating Personal Data

  49. You are responsible for letting us know if the Personal Data that we hold about you needs to be corrected or updated. You can contact us by post, email or telephone using the contact details provided in paragraph 13 below.

  50. 11. Transfers of Personal Data to Third Countries

  51. If we need to transfer Personal Data for processing to a Third Country (which is to say a country outside of the EU), we will only do so, where we have either:
    (a) taken an adequacy decision;
    (b) lawful binding corporate rules are in place;
    (c) lawful model contract clauses are in place;
    (d) we have obtained your specific consent to the proposed transfer, and you have been advised of the possible risks of such transfers;
    (e) the transfer is necessary for the performance of a contract between ourselves, or are part of the implementation of pre-contractual measures taken at your requests;
    (f) the transfer is necessary for the conclusion or performance of a contract concluded in the interests of you, and us, and another party;
    (g) the transfer is necessary for important reasons of public interest;
    (h) the transfer is necessary for the establishment, exercise or defence of legal claims; and / or
    (i) the transfer is necessary in order to protect the vital interests of you or others, where you are physically or legally incapable of giving legal consent.

  52. 12. Cookies

  53. 12.1   Our website uses cookies.

  54. 12.2   A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server.

  55. 12.3   Cookies may be either “persistent” cookies or “session” cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.

  56. 12.4   We use both persistent and session cookies on our website. We currently use the following cookies on our website:

  57. Name
    __cfduid Third Party Website performance 1 Month
    is_vistor_unique Third Party Website performance 2 Years
    is_unique Third Party Website performance 5 Years
    CookieControl Money for Moray Third Party Legal Cookie Policy 3 Months

  58. 12.5    Most browsers allow you to refuse to accept cookies. Blocking all cookies will have a negative impact upon the usability of many websites. If you block cookies, you may not be able to use all the features on our website. You can delete cookies already stored on your computer.

  59. 13 Our Details

  60. 13.1   This website is owned and operated by Money For Moray

  61. 13.2   You can contact us:

    (a) by post:
    Money for Moray
    c/o Lhanbryde Commuity Centre
    Robertson Road
    IV30 8QQ

    (b) using our website contact form:; and

    (c) by email:

  62. 13.3   We do not have a Data Protection Officer, but any queries relating to data protection can be referred to Alastair Kennedy at the contact details set out at paragraph 13.2 above.

  63. If a hard copy or email version of this policy is required by any person, it will be sent to them without delay.