Privacy Policy
1. Introduction
Munny Group Limited is committed to protecting your personal data and respecting your privacy. This Privacy Policy explains how we collect, use, store and protect your personal information when you interact with us.
This is an overarching Privacy Policy for Munny Group Limited and applies to:
· Use of our website
· Use of the Munny App
· Use of eM, our AI-powered financial wellbeing tool
Each service is slightly different, so where relevant this policy clearly explains any differences.
2. Our contact details
Name: Munny Group Limited
Address: Fraser House Hub, South Road, Lancaster, LA1 4XQ
Email: info@munnygroup.com
ICO Registration No: ZB539400
3. The personal information we collect
We may collect and process the following types of personal information:
· Personal identifiers and contact details (such as name, email address, phone number)
· eM/App Account and login information (app and/or eM)
· Basic demographic information; such as year of birth and location (app and/or eM)
· Usage data (such as how you use our website, app or eM)
· Communications you send to us
We do not intentionally collect sensitive personal data unless it is voluntarily provided and necessary for service delivery.
4. How we collect personal information
We collect personal information in the following ways:
· Information you provide directly to us (for example, when completing a form, registering for an account, booking a session or contacting us)
· Information collected automatically when you use our website, app or eM (for example, usage data and cookies)
· Information provided by your employer or organisation where services are offered as part of a workplace programme
5. Why we collect your personal information
We use your personal information for the following purposes:
· Delivering our services and products
· Managing accounts and user access
· Communicating with you about our services
· Sharing information we believe may be useful or relevant to you
· Improving our services, content and user experience
· Meeting legal, regulatory and contractual obligations
6. Lawful bases for processing
Under the UK General Data Protection Regulation (UK GDPR), we rely on the following lawful bases:
· Consent – where you have given clear permission
· Contractual obligation – where processing is required to deliver a service
· Legitimate interests – where processing is necessary for our business operations and does not override your rights
You can withdraw consent at any time by contacting info@munnygroup.com
7. Service-specific privacy information
7.1 Website use
When you use our website, we may collect:
· Contact details submitted through forms
· Marketing preferences
· Website usage data through cookies and analytics tools
This information is used to respond to enquiries, deliver content, improve website performance and provide relevant marketing communications.
7.2 Munny App use
When you use the Munny App, we may collect:
· Account registration details
· Login and authentication data
· Usage data within the app
· Communications and support requests
This information is used to provide app functionality, support users, improve performance and maintain security.
7.3 eM (AI tool) use
When you interact with eM:
· Inputs and interactions may be processed to provide responses
· Session-based data may be temporarily stored, in line with our specific eM Terms of Use & Privacy Policy
· Usage data may be analysed to improve performance and accuracy
Users are advised not to share sensitive personal or financial information when using eM.
Any outputs provided by eM are automated and intended for guidance and education only, not regulated financial advice.
8. Sharing your personal information
We may share your personal information:
· With trusted service providers who support our operations
· With partner organisations where relevant and appropriate
· Where required by law or regulatory authorities
We do not sell personal data to third parties.
9. How we store and protect your information
Your information is securely stored using appropriate technical and organisational measures.
We retain personal data for up to 5 years, unless a longer retention period is required by law or contract. After this period, data is securely deleted.
10. Your data protection rights
Under data protection law, you have the right to:
· Access your personal information
· Request correction of inaccurate or incomplete data
· Request erasure of your data
· Restrict processing of your data
· Object to processing
· Request data portability
There is no charge for exercising your rights. We have one month to respond.
To make a request, contact info@munnygroup.com
11. Cookies
Our website uses cookies to improve functionality and user experience.
Cookies may:
· Remember your preferences
· Enable login functionality
· Support analytics and performance monitoring
You can manage or disable cookies through your browser settings.
12. Complaints
If you have concerns about how we use your personal data, please contact us at info@munnygroup.com.
You also have the right to complain to the Information Commissioner’s Office (ICO):
Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF
Helpline: 0303 123 1113
Website: https://www.ico.org.uk
13. Changes to this Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be published on our website and, where appropriate, communicated to users.
14. Acceptance of this policy
By using our website, app or eM, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.
Version 1.6
Last Updated 15.11.2025