1. Introduction

This Privacy Policy explains how MoneyAdvert (trading name of VehicleScore Limited, a company registered in England and Wales with company number 14822698) collects, uses, stores, and protects your personal information when you use our platform.

MoneyAdvert is an online marketplace that connects businesses with content creators for collaboration opportunities. By using our platform, you agree to the collection and use of information in accordance with this policy.

We are committed to protecting your privacy and handling your data in an open and transparent manner. This policy may be updated from time to time, and we encourage you to review it periodically.

2. What Data We Collect

We collect information that you provide directly to us, as well as information generated through your use of our platform:

Account Information

When you create an account, we collect your name, email address, password (stored in encrypted form), and account type (creator or business).

Profile Information

Information you choose to add to your public profile, including your display name, profile image, bio, social media links, location, niche categories, and rates (for creators) or industry and budget information (for businesses).

Billing and Legal Information

Legal name, business name (if applicable), company registration number, VAT number, and billing address. This information is used for invoicing and contract purposes and is not displayed publicly.

Communications

Messages exchanged through our platform between users, including collaboration requests and negotiations.

Contracts and Invoices

Details of contracts entered into through the platform, including deliverables, payment amounts, and related documentation. Invoice records and payment history.

Payment Information

We collect payment-related metadata such as transaction IDs, payment status, and payout method preferences. We do not store credit card numbers or bank account details directly; these are handled securely by our third-party payment processors.

Technical Data

IP address, browser type and version, device information, operating system, referring URLs, pages visited, and timestamps of visits.

3. How We Use Your Data

We use the information we collect for the following purposes:

• To create and manage your account

• To display your public profile to other users

• To facilitate communication between creators and businesses

• To process and manage contracts and collaborations

• To generate invoices and process payments

• To send service-related notifications and updates

• To provide customer support

• To improve and develop our platform

• To detect and prevent fraud or abuse

• To comply with legal obligations

4. Legal Basis for Processing

Under the UK General Data Protection Regulation (UK GDPR), we process your personal data on the following legal bases:

Contract Performance

Processing necessary to provide our services to you, including account management, facilitating collaborations, and processing payments.

Legitimate Interests

Processing necessary for our legitimate business interests, such as improving our platform, preventing fraud, and ensuring platform security, provided these interests are not overridden by your rights and freedoms.

Legal Obligation

Processing necessary to comply with our legal obligations, including tax reporting, responding to legal requests, and maintaining required records.

Consent

Where required, we will obtain your consent before processing your data, such as for marketing communications. You may withdraw consent at any time.

5. Data Sharing

We may share your personal information in the following circumstances:

Other Users

Your public profile information is visible to other users of the platform. Information shared in messages is visible to the recipients of those messages. Contract details are shared between the parties to that contract.

Payment Providers

We share necessary information with our payment processing partners to facilitate payments and payouts. These providers are contractually bound to protect your data and use it only for payment processing purposes.

Service Providers

We may share data with third-party service providers who assist us in operating our platform, including hosting providers, email services, and analytics providers. These providers are required to protect your data and use it only for the purposes we specify.

Legal Requirements

We may disclose your information if required to do so by law, in response to valid legal requests by public authorities, or to protect our rights, privacy, safety, or property.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your personal information may be transferred as part of that transaction. We will notify you of any such change and any choices you may have.

6. Data Retention

We retain your personal data for as long as necessary to fulfil the purposes for which it was collected, including to satisfy any legal, accounting, or reporting requirements.

Account data is retained for the duration of your account and for a reasonable period thereafter. Contract and invoice data may be retained for up to 7 years after the completion of a transaction to comply with tax and accounting obligations. Communication data is retained for a reasonable period to support dispute resolution.

When data is no longer required, it will be securely deleted or anonymised.

7. Your Rights

Under UK data protection law, you have the following rights regarding your personal data:

• Right of Access: You have the right to request a copy of the personal data we hold about you.

• Right to Rectification: You have the right to request that we correct any inaccurate or incomplete personal data.

• Right to Erasure: You have the right to request that we delete your personal data in certain circumstances.

• Right to Restrict Processing: You have the right to request that we limit the processing of your personal data in certain circumstances.

• Right to Data Portability: You have the right to request a copy of your data in a structured, commonly used, machine-readable format.

• Right to Object: You have the right to object to processing based on legitimate interests or for direct marketing purposes.

• Right to Withdraw Consent: Where processing is based on consent, you have the right to withdraw that consent at any time.

To exercise any of these rights, please contact us using the details provided below. We will respond to your request within one month.

You also have the right to lodge a complaint with the Information Commissioner's Office (ICO), the UK supervisory authority for data protection issues (www.ico.org.uk).

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect and store information about how you interact with our platform.

Essential Cookies

These cookies are necessary for the platform to function properly, including authentication, security, and remembering your preferences.

Analytics Cookies

We use analytics services to understand how visitors use our platform, which helps us improve our services. This data is typically aggregated and anonymised.

You can control cookies through your browser settings. However, disabling certain cookies may affect the functionality of our platform.

9. Data Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. These measures include encryption, access controls, and regular security assessments.

However, no method of transmission over the Internet or electronic storage is completely secure. While we strive to use commercially acceptable means to protect your personal data, we cannot guarantee its absolute security.

10. International Data Transfers

Your personal data may be transferred to and processed in countries outside the United Kingdom. Where we transfer data internationally, we ensure that appropriate safeguards are in place, such as standard contractual clauses approved by the relevant authorities, to protect your personal data.

11. Children's Privacy

Our platform is not intended for use by individuals under the age of 18. We do not knowingly collect personal data from children. If you are a parent or guardian and believe your child has provided us with personal data, please contact us so that we can take appropriate action.

12. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. We will notify you of any material changes by posting the updated policy on our platform and updating the "Last updated" date.

We encourage you to review this policy periodically to stay informed about how we are protecting your information.

13. Contact Us

If you have any questions about this Privacy Policy or our data practices, or if you wish to exercise your rights under data protection law, please contact us:

14. Governing Law

This Privacy Policy is governed by and construed in accordance with the laws of England and Wales. Any disputes arising from or relating to this policy shall be subject to the exclusive jurisdiction of the courts of England and Wales.