Pounds & Pennies – Privacy & Editorial Policy

Effective date: 11 October 2025

Privacy:

• Who we are: Pounds & Pennies, a UK personal‑finance site at https://poundsnpennies.com/. Contact: site form (/contact/) or martyn@poundsnpennies.com.
• Data we collect:
  • What you give us (e.g., newsletter email, contact‑form messages; comments if enabled).
  • Basic technical data (IP address, device/browser info, pages viewed) for security and performance.
  • Cookies: essential for the site to work; analytics/affiliate cookies only with your consent in the UK/EEA.
• How we use data: to run and secure the site, send the emails you asked for, understand what content helps readers, and attribute affiliate referrals. We don’t sell your data.
• Sharing: with service providers (hosting, email, analytics/consent tools) under contract; affiliate networks/merchants for attribution if you click a tracked link (we don’t receive your card details); and when required by law.
• Legal bases (UK GDPR): consent (emails; non‑essential cookies), legitimate interests (security/site analytics in a privacy‑respecting way), contract (providing requested content/services), and legal obligation.
• Your choices & rights: unsubscribe from emails any time; manage cookies via the banner or “Cookie settings”; request access, correction, deletion, restriction, portability, or objection. You can complain to the UK ICO.
• Retention: contact messages up to 24 months; newsletter data until you unsubscribe (we keep a minimal suppression record); logs up to 12 months; analytics in aggregate where possible.
• Children: our content is for adults; we don’t knowingly collect data from under‑13s.
• International transfers: where providers process data abroad, we use appropriate safeguards (e.g., UK adequacy or SCCs).

Editorial Policy:

• Independence: Our reviews, comparisons, and tips are chosen by editors; advertisers, sponsors, and affiliates don’t approve or edit our content.
• Disclosure: We use affiliate links and may earn a commission at no extra cost to you. Sponsored content is clearly labelled.
• Accuracy: We rely on reputable/primary sources, include as‑of dates for rates and allowances, and fix errors promptly with a note.
• Conflicts: Contributors disclose relevant relationships and recuse where appropriate; any material interest is disclosed in‑article.
• Feedback & corrections: use /contact/ or martyn@poundsnpennies.com.

Cookie summary: Essential cookies run the site; analytics/marketing cookies only with your consent. Manage preferences via the banner or the footer link when available.