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Last updated: October 2026
MoneySavingAdvisors.co.uk is a trading style of Money Saving Advisors Ltd, a company registered in England and Wales, number 10726961. Registered Office Address: Regents Pavilion, Moulton Park Industrial Estate, Northampton, England, NN3 6BJ. Money Saving Advisors Ltd is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 1012482) and is registered with the Information Commissioner's Office (Registration Number ZA545161).
We are the controller of the personal data we collect through the Website. This policy explains what personal data we collect, how we use it, who we share it with and your rights under UK data protection law, including the UK GDPR.
The information we collect depends on the type of enquiry you make. The form will make clear what we need. It may include:
You are free to browse our website without giving us any information that directly identifies you, although cookies may still collect usage data where you allow them.
If you give us information about another person, such as a joint applicant, you must have their permission and should ask them to read this policy.
Our service is not intended for anyone under 18 and we do not knowingly collect personal data about children, except where a parent includes a child's details in an enquiry, for example for family health insurance.
We must have a lawful basis for each way we use your personal data. The bases we rely on are:
| What we do | Data used | Lawful basis |
|---|---|---|
| Matching your enquiry to a suitable Partner Firm and passing your details to that firm so it can contact you | Identity and contact, enquiry, credit (mortgages and loans only) | Contract; consent to be contacted by the Partner Firm, which you give on the form |
| Carrying out a soft credit search for mortgage and loan enquiries | Identity and contact, credit | Legitimate interests in matching your enquiry with a lender or adviser whose criteria you are likely to meet |
| Using health information to match an insurance or protection enquiry | Health | Explicit consent |
| Keeping you updated about your enquiry | Identity and contact, enquiry | Contract; legitimate interests in keeping you informed |
| Sending you marketing about other products and services | Identity and contact, preferences | Consent |
| Measuring and improving our advertising, including sharing hashed contact details with advertising platforms (see Section 9) | Identity and contact, usage, outcome | Consent |
| Recording and monitoring calls and messages for quality, training and compliance | Communications | Legitimate interests in providing a good service and meeting our regulatory obligations |
| Tracking the outcome of introductions and receiving payment from Partner Firms | Identity and contact, enquiry, outcome | Legitimate interests in running our business |
| Improving the Website and our service, including analysis of trends | Enquiry, usage, outcome | Legitimate interests in improving our service; consent for non-essential cookies |
| Checking information is accurate and preventing fraud | Identity and contact, enquiry | Legitimate interests in preventing fraud; legal obligation |
| Handling complaints, rights requests and legal claims, and responding to regulators | All relevant data | Legal obligation; legitimate interests in protecting our business |
| Enabling the sale or potential sale of all or part of our business | All relevant data | Legitimate interests in the long-term success of our business |
Matching your enquiry to a Partner Firm is partly automated, based on the answers you give and, for mortgages and loans, your soft search results. We do not make decisions about you that have a legal or similarly significant effect. Any decision on whether to offer you a product is made by the Partner Firm.
When you submit an enquiry about a mortgage or loan, a soft credit search (also called a quotation search) will be carried out about you by Money Saving Advisors Ltd or by one of our Partner Firms. No credit search is carried out by us for any other type of enquiry.
We carry out the search on the basis of our legitimate interests in matching your enquiry with a lender, broker or adviser whose criteria you are more likely to meet, and in reducing the chance of you making applications that are likely to be declined. A soft credit search is a necessary part of our mortgage and loan service, and you will be asked to confirm that you understand this before you submit your enquiry.
A soft credit search is recorded on your credit file but can only be seen by you. It is not visible to other lenders and does not affect your credit score. The search uses details such as your name, date of birth and address history, and may return information including your credit accounts and repayment history, any county court judgments or insolvency records, and whether you are on the electoral register.
Where a Partner Firm carries out the search, it does so as a separate data controller under its own privacy notice, which it will provide to you. The Partner Firm your details are passed on to may use Valid8 IP Ltd to run the soft search. Valid8 IP Ltd uses your data only to obtain credit report information, as set out in its Privacy Policy. If you go on to apply with a firm, it will usually carry out a full (hard) credit search, and it is responsible for telling you before it does so.
You can read how credit reference agencies use and share your data in the Credit Reference Agency Information Notice (CRAIN), linked from our Information Notice. Full details are set out in Section 16 of our Terms & Conditions.
Health information is special category data and has extra protection under data protection law. For some insurance and protection enquiries, such as life insurance, health insurance and income protection, we may ask about your health so we can match you with a suitable firm.
We will only collect and share health information where you choose to give it to us and give your explicit consent on the form. You can withdraw your consent at any time by emailing compliance@moneysavingadvisors.co.uk, although this may mean we cannot help with your enquiry. We share health information only with the Partner Firm we introduce you to, and only where it is needed for your enquiry.
We share your personal data with the following organisations, which use it as independent controllers under their own privacy notices:
We also use processors, who handle personal data only on our instructions and cannot use it for their own purposes. These include providers of website hosting, lead management and CRM systems, telephony and call recording, email and SMS delivery, analytics, and IT support.
Where you have opted in to receive marketing, we may contact you about products or services we think may interest you, by telephone, email, SMS or automated message. We will not use your information for marketing once 12 months have passed following your enquiry.
Where you have agreed through our cookie banner or your marketing preferences, we may share a hashed (scrambled) version of your contact details, such as your email address and telephone number, with advertising platforms such as Google and Meta. This lets us measure which of our adverts lead to enquiries, and show our adverts to you or to people with similar interests. The platforms match the hashed details against their own users and use them under their own privacy notices. You can withdraw your agreement at any time by changing your cookie settings or emailing compliance@moneysavingadvisors.co.uk.
Some of our service providers and advertising platforms may process your personal data outside the UK. Where this happens, we make sure the country has been found by the UK government to provide adequate protection, or that appropriate safeguards are in place, such as the UK International Data Transfer Agreement. You can ask us for details of these safeguards.
When we no longer need your information, we delete it or anonymise it. For further information on our data retention policies, email compliance@moneysavingadvisors.co.uk.
You have the following rights under UK data protection law:
To exercise any of these rights, contact our Compliance Department at compliance@moneysavingadvisors.co.uk or write to: Compliance Department, Money Saving Advisors Limited, Regents Pavilion, Moulton Park Industrial Estate, Northampton, England, NN3 6BJ. There is normally no fee. We may need to verify your identity before responding. We will respond within one month, or within three months for complex requests, in which case we will tell you within the first month.
To exercise your rights over data held by a Partner Firm, please contact that firm directly.
You can opt out of marketing from us at any time. Our marketing messages provide an opt-out link; please allow up to 48 hours for us to process your request. Alternatively, email compliance@moneysavingadvisors.co.uk and your details will be removed from future marketing campaigns. To stop marketing from a Partner Firm, follow the instructions in its messages or contact it directly.
Keeping information about you secure is very important to us. Information is encrypted in transit, and access to personal data is limited to people and service providers who need it. However, no data transmission over the internet can be guaranteed to be totally secure, so we cannot guarantee the security of information sent to us.
We use cookies and similar technologies on the Website. Non-essential cookies, including analytics and advertising cookies, are only set where you agree to them. See our Cookie Policy for full details of the cookies we use and how to manage them.
We, and the Partner Firms we introduce you to, will contact you about your enquiry by telephone, email, post, SMS or automated message. If you telephone us, your call may be recorded for training, quality and regulatory purposes.
We aim to be fair and honest in everything we do. If you have a complaint about how we have handled your personal data, or any other aspect of our service, you can contact us:
We will acknowledge receipt of your complaint within 7 working days, and aim to investigate and resolve it, where reasonably possible, within 30 days of receipt. Our final response will include the findings of our investigation and, if applicable, what actions we will take to put things right.
You have the right to complain to the Information Commissioner's Office about how we handle your personal data (telephone 0303 123 1113, ico.org.uk), although we would appreciate the chance to deal with your concerns first. For complaints about our credit broking service, you may be able to refer your complaint to the Financial Ombudsman Service, as explained in our Terms & Conditions.
We may update this policy from time to time. The latest version will always be on this page, with the date it was last updated shown at the top. If we make significant changes, we may also tell you by other means, such as email.