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Privacy Policy

Financial Times group takes the privacy of its users seriously. We are committed to safeguarding the privacy of our users while providing a personalised and valuable service. This Privacy Policy statement explains the data processing practices of The Financial Times Limited (FT) trading as How To Spend It (HTSI), in relation to www.HowToSpendIt.com (our Site). If you have any requests concerning your personal information or any queries with regard to these practices please contact our Privacy Officer by e-mail at privacy.officer@ft.com.

Our sites contain links to third party sites which are not subject to this privacy policy. We recommend that you read the privacy policy of any such sites that you visit.

Information Collected

Personal information is collected by FT. FT is registered with the UK’s Information Commission as a Data Controller in accordance with the Data Protection Act 1998.

We collect personally identifiable information about you (your Data) through:

The elements of your Data that we collect may include:

If you are a user of our Site we may also collect information that we request from you regarding your use of the service or that we collect automatically about your visit to our Site. Please see the Use of Cookies section for more details.

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Use and Disclosure of Personal Information

We use your Data for purposes which may include:

See the Use of Cookies section for more details.

We may also disclose your information to business partners and to third party suppliers we engage to provide services which involve processing data on our behalf, successors in title to our business or in accordance with a properly executed court order or as otherwise required to do so by law. We reserve the right to fully co-operate with any law enforcement authorities or court order requiring or requesting us to disclose the identity or other usage details of any user of our sites.

We also use information in aggregate form (so that no individual user is identified by name):

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Use of Cookies and Other Tracking Devices

We use cookies to help personalise your use of our Site. A cookie is a small piece of information which is sent to your computer's hard drive by the web server so that the website can remember who you are. This information may include information relating to your use of our sites, information about your computer such as the computer's IP address and browser type, demographic data and, if you arrived at our Site via a link from third party site, the URL of the linking page. If you are a registered user this may include your name and email address, which may be transferred to data processors for registered user or subscriber verification purposes.

We use information from cookies for purposes which may include:

You can delete cookies from your hard drive at any time however this will mean that any settings such as your stored username and password will have to be reset. You can set your internet browser so that it will not allow cookies to be stored on your computer. This may reduce functionality of the Site, prevent access to registration-only areas of the Site and mean that certain features or content will not be available to you. Further information on how to prevent cookies from being stored on your computer can be found on http://www.allaboutcookies.org under the "manage cookies" section. Alternatively go to the help menu within your internet browser.

From time to time we may permit third party companies to set cookies on our sites for purposes which may include market research, serving advertisements, revenue tracking or to improve functionality of the Site.

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Our website may use pixels, or transparent GIF files, to help manage online advertising. These GIF files may be provided by our Ad Management Partner DoubleClick. These files enable DoubleClick to recognize a unique cookie on your Web browser, which in turn enables us to learn which advertisements bring users to our website. The information that DoubleClick collects via cookies is anonymous. It does not contain your name, address, telephone number, or email address. For more information about DoubleClick, including information about their use of Spotlight Technology, and how to opt out of these technologies, go to http://www.doubleclick.net/us/corporate/privacy.

Our website also may use web analytics services provided by Google, Inc.which uses cookies to help us to analyse how users use our Site. The information generated by the cookie about your use of our Site (including your IP address) will be transmitted to and stored on servers in the United States and/or United Kingdom Google, Inc will use this information for the purpose of evaluating your use of our sites, compiling reports on website activity for us and providing other services relating to website activity and internet usage. Google, Inc may also transfer this information to third parties where required to do so by law, or where such third parties process the information on their behalf. Google, Inc will not associate your IP address with any other data held by them. 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 our Site. By using this website, you consent to the processing of data about you by those service providers in the manner and for the purposes set out above.

Some of the advertisements you see on our Site are generated by third party service providers. Some of these third parties generate cookies for statistical purposes on behalf of FT, for example, for tracking how many unique users have seen a particular advertisement, and how many times they have seen it, and for providing you with advertisements that are more relevant to your interests. They do not contain personal information such as your name or email address. Audience Science, who generate these cookies have their own privacy policy at http://www.audiencescience.com/privacy.asp. FT do not have access to these cookies, although, in order to provide you with a better user experience, we may use statistical information arising from the cookies provided by Audience Science to build up a profile based on your browsing patterns across the FT sites and third party websites that are part of the Audience Science network. This profile enables us to make advertisements available to you that are more relevant and tailored to your interests.

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Security Policy

FT has appropriate measures in place to ensure that our users’ Data is protected against unauthorised access or use, alteration, unlawful or accidental destruction and accidental loss. User Data may be transferred outside the FT group to data processors such as fulfillment houses but they will act only on our instructions to provide the services required.

Transfer of Data

The Internet is a global environment. Using the Internet to collect and process personal data necessarily involves the transmission of data on an international basis. Therefore, by browsing our Site and communicating electronically with us you acknowledge and agree to our processing of personal data in this way.

User Access and Control of Data

If you wish to amend any of the Data which we hold about you, or update your contact preferences, please contact howtospendit@ft.com.

In accordance with the Data Protection Act 1998, you may request a copy of the personal information we hold about you by contacting the Privacy Officer by e-mail at privacy.officer@ft.com or writing to:

Company Secretary The Financial Times Ltd Number One Southwark Bridge London SE1 9HL United Kingdom

We may charge the statutory allowable fee for provision of this information.

Children Under 14

We do not intentionally collect any information on children under 14 years of age. We will undertake to delete any details of such users where a parent or guardian has notified us that any such details have been obtained.

Changes to this Policy

This policy is effective from 3rd October 2009. From time to time we may make changes to this privacy policy statement to reflect any changes to our privacy practices in accordance with changes to legislation, best practice or website enhancements.

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