1. Introduction
Welcome to Scrimp and Spend. My name is Ruth David, and I am a sole trader operating in the United Kingdom. I am committed to protecting the privacy of your personal information. This Privacy Policy outlines how I collect, use, store, and protect your data when you visit any of my websites (including www.scrimpandspend.com and its subdomains) or purchase my products.
I am the data controller for the information collected through these websites.
2. What Information We Collect
I collect information in the following ways to process your order and provide you with my services:
- Information you provide directly: When you purchase "The Simple Start Investing Kit," you provide information such as your Name, Email Address, and Billing Address/Country.
- Information handled by our Payment Processors: To complete your purchase, you provide payment information directly to our secure payment processors, Stripe or PayPal. I never see or store your full credit card details.
- Information collected automatically: When you visit my websites, some information may be collected automatically, such as your IP address and browser type, for security purposes.
- Website Usage Data (via Analytics Tools): To understand how you interact with my websites, I use analytics tools like Microsoft Clarity and Google Analytics. These tools collect anonymised data including clicks, scroll depth, session recordings, and general user demographics. This data helps me identify areas of confusion and improve the website experience for everyone.
3. How and Why We Use Your Information (Legal Basis)
Under UK GDPR, I must have a valid legal reason to use your personal information. Here are the reasons I use your data:
- To Fulfil Our Contract With You: To process your order, deliver your digital product, and send you important service-related emails.
- To Comply With a Legal Obligation: To correctly apply and remit Value Added Tax (VAT) and retain records for tax purposes.
- With Your Explicit Consent: To send you marketing communications if you opt-in, and to collect website usage data via analytics tools.
- For Our Legitimate Interests: To respond to your enquiries, provide customer support, and protect our website from fraud.
4. Who We Share Your Information With
I do not sell your personal data. To provide my services, I share your information only with the following essential third-party service providers:
- Payhip: My e-commerce platform.
- Stripe and PayPal: My secure payment gateways.
- MailerLite: My email marketing provider.
- Microsoft Clarity & Google Analytics: My website analytics providers, used to help me understand user behaviour on the site to improve its design and content. This data is processed in accordance with their respective privacy policies.
5. Data Storage, Security, and International Transfers
Your data is stored securely by our trusted third-party providers. These providers may transfer and store your data outside of the UK. When they do, it is done under legally compliant frameworks which ensure your data is protected to a standard equivalent to UK law.
6. How Long We Keep Your Data
I will only retain your personal information for as long as necessary to fulfil the purposes I collected it for, including for satisfying any legal, accounting, or reporting requirements. By law, I must keep basic information about my customers for at least six years for UK tax purposes.
7. Your Data Protection Rights
Under UK data protection law, you have rights including: the right of access, rectification, erasure, restriction of processing, objection to processing, and data portability. To exercise any of these rights, please contact me at hello@scrimpandspend.com.
8. How to Complain
If you have any concerns about my use of your personal information, you can make a complaint to me at hello@scrimpandspend.com. You can also complain to the Information Commissioner’s Office (ICO) at www.ico.org.uk.
9. Changes to This Privacy Policy
I may update this policy from time to time. The latest version will always be posted on this page.
10. Contact Us
If you have any questions about this Privacy Policy, please contact me:
Name: Ruth David (trading as Scrimp and Spend)
Email: hello@scrimpandspend.com