Terms & Conditions

  1. Website Terms and Conditions
  2. Privacy Policy
  3. Cookie Policy

1. Website Terms and Conditions

Each time you access or use youngfinancecentre.co.uk you are deemed to accept these terms and conditions. “we” means Reed in Partnership Ltd, who provide the Young Finance Centre service, and “our” shall be construed accordingly. “you” means the person firm company or organisation browsing and/or using the Website, and “your” shall be construed accordingly. “Reed Corporate Family” means all companies connected with us. A company is connected with us if it is: (i) a subsidiary or holding company of us; (ii) controlled by the same person(s) who control us or our holding company; (iii) a subsidiary or holding company of any company in (i) or (ii) above; or (iv) in the same group as any company under (i), (ii) or (iii) above. “subsidiary” and “holding company” shall be as defined in section 1159 of the Companies Act 2006. The term “control” shall have the same meaning as defined in Section 416 of the Income and Corporation Taxes Act 1988. Two companies are in the same group if they share the same ultimate holding company.

Interruptions and Omissions in Service

Whilst we try to ensure that the standard of the Website remains high and to maintain the continuity of it, the internet is not an inherently stable medium, and errors, omissions, interruptions of service and delays may occur at any time. We do not accept any liability arising from any such errors, omissions, interruptions or delays or any ongoing obligation or responsibility to operate the Website (or any particular part of it) or to provide the service offered on the Website. We may vary the specification of this site from time to time without notice.

Links to other Sites

On this site you will be offered automatic links to other sites which we hope will be of interest to you. We do not accept any responsibility for or liability in respect of the content of those sites, the owners of which do not necessarily have any connection, commercial or otherwise, with us. Using automatic links to gain access to such sites is entirely at your own risk.

Information on this Site

We do not accept any liability arising from any inaccuracy or omission in any of the information on our Website or any liability in respect of information on the Website supplied by you, any other website user or any other person.

Your Use of this Site

You may only use the Website for lawful purposes. You must not under any circumstances seek to undermine the security of the Website or any information submitted to or available through it. In particular, but without limitation, you must not seek to access, alter or delete any information to which you do not have authorised access, seek to overload the system via spamming or flooding, take any action or use any device, routine or software to crash, delay, damage or otherwise interfere with the operation of the Website or attempt to decipher, disassemble or modify any of the software, coding or information comprised in the Website. You are solely responsible for any information submitted by you to the Website. You are responsible for ensuring that all information supplied by you is true, accurate, up-to-date and not misleading or likely to mislead or deceive and that it is not discriminatory, obscene, offensive, defamatory or otherwise illegal, unlawful or in breach of any applicable legislation, regulations, guidelines or codes of practice or the copyright, trademark or other intellectual property rights of any person in any jurisdiction. You are also responsible for ensuring that all information, data and files are free of viruses or other routines or engines that may damage or interfere with any system or data prior to being submitted to the Website. We reserve the right to remove any information supplied by you from the Website at our sole discretion, at any time and for any reason without being required to give any explanation.

Information Submitted by You

We will and/or the Reed Corporate Family will use information supplied by you to help you access the Young Finance Centre service provided by Reed in Partnership. We will process any data which you provide to us when using the Website in accordance with relevant data protection legislation. We explain more about your personal data in our Privacy Policy.

Content Rights

The rights in material on the Website are protected by international copyright, software and trademark laws and you agree to use the Website in a way which does not infringe these rights. You may copy material on the Website for your own private or domestic purposes, but no copying for any commercial or business use is permitted.

Liability

We accept no liability for any loss (whether direct or indirect, for loss of business, revenue or profits, wasted expenditure, corruption or destruction of data or for any other indirect or consequential loss whatsoever) arising from your use of the Website and we hereby exclude any such liability, whether in contract, tort (including for negligence) or otherwise. We hereby exclude all representations, warranties and conditions relating to the Website and your use of it to the maximum extent permitted by law. You agree to indemnify us and keep us indemnified against all costs, expenses, claims, losses, liabilities or proceedings arising from use or misuse by you of the Website. You must notify us immediately if anyone makes or threatens to make any claim against you relating to your use of the Website.

Choice of Law and Jurisdiction

The use of the Website and any agreements entered into through the Website are to be governed by and construed in accordance with English law. The courts of England are to have exclusive jurisdiction to settle any dispute arising out of or in connection with the use of the Website or any agreement made through the Website. Some of the goods or services offered through the Website may not be lawful or may otherwise not be permitted in certain countries outside the United Kingdom. If you attempt to order, receive, purchase or otherwise benefit from any such goods or services, we do not accept any liability for any losses suffered by you in using the Website which you would not have suffered had you been accessing the Website as a United Kingdom resident (including as a result of us being prevented from dealing with any application or enquiry by any law, regulation or other ruling applicable in any country).

Changes to Terms and Conditions and Invalidity

These terms and conditions may be changed by us at any time. You will be deemed to accept the terms and conditions (as amended) when you next use the Website following any amendment.

If any provision of these terms and conditions is held to be invalid by a court of competent jurisdiction, such invalidity shall not affect the validity of the remaining provisions, which shall remain in full force and effect.

Registered Office

Reed in Partnership Ltd, Academy Court 94 Chancery Lane London WC2A 1DT Company Number 00851645. Registered in the UK.

2. Privacy policy

This privacy notice describes how we collect and use personal information about you during and after your participation on our Young Finance Centre service (“YFC”) with us, in accordance with the Data Protection Act 2018 (“DPA”). In collecting this information and providing the service to you on behalf of the Money and Pensions Service (MaPS), we are acting as a joint data controller with the MaPS.

This notice applies to all participants on this service. This notice does not form part of any contract of employment or other contract to provide services. We may update this notice at any time but if we do so, we will provide you with an updated copy of this notice as soon as reasonably practical.

It is important that you read and retain this notice, together with any other privacy notice we may provide on specific occasions when we are collecting or processing personal information about you, so that you are aware of how and why we are using such information and what your rights are under the DPA.

Details of how MaPS process your personal data, what they do with it and why are set out in their Privacy Notice, which is available online at: https://moneyandpensionsservice.org.uk/privacy-notice/

Who are we?

We are Reed in Partnership Limited. Our address is Academy Court, 94 Chancery Lane, London, WC2A 1DT. You can contact us by post at the above address or by email at RinP.dataprotection@reed.co.uk.

Any queries about how your personal data is being processed should be made to the MaPS in the first instance: Email: dpo@maps.org.uk

Post: The Money and Pensions Service, Holborn Centre, 120 Holborn, London, EC1N 2TD.

You can also contact the Reed in Partnership Data Protection Officer directly by using the postal or email address listed at the beginning of this section.

What personal data do we collect?

The personal data that we may collect either directly from yourselves, or via our delivery partners include:

Identity Data: includes names, marital status, title, date of birth, age, and gender.

Contact Data: includes home address, email address and telephone numbers and contact details for your next of kin or emergency contact/carer.

Financial Status Data: Financial situation.

Employment & Educational Data: Life stage (i.e. entering workplace / education / accessing benefits).

Reed in Partnership, and our evaluation partner, Polar Insights, will have access to your data in order to ensure that the information provided is accurate and to evaluate that the service delivered is effective.

We do not share your personal data with third parties, apart from where it is necessary to do so in order to deliver YFC as described above, and we will never sell your data. Where your data is stored (electronically or otherwise) it is held securely in the UK and will not be transferred outside the EEA.

Why do we collect this information?

The data we collect from you or from the MaPS about you is required in order to deliver the YFC and provide you with appropriate support. As it is needed in order to deliver the YFC, the legal ground on which we collect and process this information is to perform a task that is within the public interest, as outlined by MaPS.

Any data which is collected by Reed in Partnership which is not prescribed by MaPS is collected under the grounds of legitimate interests, as without this information, Reed in Partnership would be unable to provide you with the service and support you require in order to partake in the YFC.

In order to provide you with addition support, we may also ask your consent to share your personal data with a network of organisations. The consent form will provide you with the ability to control the personal data you are prepared to share as well as the organisations you are prepared to share it with. You are able to withdraw your consent at any time.

What do we do with your information?

We only use your personal data to deliver the YFC to the standard required by the MaPS, for audit purposes and to track the effectiveness of our service delivery.

This includes providing your personal data to our evaluation partner, Polar Insights, who will use it for evaluating the YFC service.

It will also be used to confirm your progress on the service and your employment status. Your personal data will only be shared with such organisations to the extent that it is necessary to deliver the service.

How long do we keep your information for?

We will only retain your personal information for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.

To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.

In some circumstances we may anonymise your personal information so that it can no longer be associated with you, in which case we may use such information without further notice to you. Once we are no longer contractually required to keep your data we will securely destroy your personal information in accordance with the Retention Policy referenced above.

Your rights over your information

By law, you can ask us what information we hold about you, and you can ask us to correct it if it is inaccurate. Under certain circumstances you have the right to request that we either delete or restrict the processing of your personal data or can request the transfer of your personal data.

To submit a request by email or post please use the contact information provided above.

Your right to complain

If you have a complaint about our use of your information, you can contact the Information Commissioner’s Office via their website at www.ico.org.uk/concerns or write to them at:

Information Commissioner's Office Wycliffe House Water Lane Wilmslow Cheshire SK9 5AF

Changes to this Privacy Notice

We reserve the right to update this privacy notice at any time, and we will provide you with a new privacy notice when we make any substantial updates. We may also notify you in other ways from time to time about the processing of your personal information.

3. Cookie Policy

What are cookies? A cookie is a piece of information in the form of a very small text file that is placed on an internet user’s computer. It is generated by a web page server (which is basically the computer that operates the web site) and can be used by that server whenever the user visits the site. A cookie can be thought of as an internet user’s identification card, which tells a web site when the user has returned. Cookies can’t harm your computer and we don’t store any personally identifiable information about you on any of our cookies. Why do we use cookies on youngfinancecentre.co.uk? youngfinancecentre.co.uk uses one type of cookies: cookies set by third parties (i.e. other websites or services). We use third party cookies to better understand how the features and functions of the site are used. If you would like more information about the cookies we use, as well as details on how to opt-out, please see below. What cookies do we use on youngfinancecentre.co.uk? A list of third party cookies can be found below:

  1. Google Analytics – This website uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses “cookies”, which are text files placed on your computer to help the website analyse how visitors use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above. To opt out of Google Analytics please go to the following link: https://tools.google.com/dlpage/gaoptout

How can I manage my cookies on youngfinancecentre.co.uk?

If you wish to stop accepting cookies, you can do so through the Privacy Settings option in your browser.