Privacy Policy

This Privacy Policy applies to The Savvy Investor Limited
Company No. 14816921, England and Wales
2nd Floor, College House, 17 King Edwards Road, Ruislip, London HA4 7AE
Email: info@savvyinvestorguide.com
Phone: +44 204 579 0881
Website: https://savvyinvestorguide.com

We may update this Privacy Policy from time to time. When we make changes, we’ll update the “Last Updated” date above. Significant changes will be notified via email (if we have your email address) or a prominent notice on our website. Your continued use of our website after changes means you accept the updated policy.

1. Who We Are

The Savvy Investor Limited is a UK-registered company providing investment education through our website. We publish comprehensive guides on retirement planning, property investment, index funds, tax-advantaged accounts, and related investment topics.

We are NOT financial advisors. We provide educational content only. We are not authorized or regulated by the Financial Conduct Authority (FCA) or the Securities and Exchange Commission (SEC). Our content does not constitute financial, investment, tax, or legal advice.

2. Information We Collect

2.1 Information You Provide Directly

We collect information you voluntarily provide when you:

• Contact us: Name, email address, phone number (optional), message content
• Subscribe to our newsletter: Name and email address
• Download resources: Name and email address (for lead magnets, checklists, calculators)
• Create an account: Name, email address, password (if we offer user accounts)
• Post comments: Name, email address, comment content
• Book consultations: Name, email, phone number, preferred consultation times

2.2 Information Collected Automatically

When you visit our website, we automatically collect certain technical information:

• Device information: IP address, browser type and version, operating system, device type
• Usage data: Pages visited, time spent on pages, links clicked, referring website
• Location data: Approximate geographic location based on IP address
• Cookies and tracking technologies: See our Cookie Policy for details

2.3 Calculator and Interactive Tool Usage

2.4 Information from Third Parties

We may receive information about you from:

• Analytics providers: Google Analytics provides aggregated demographic and interest data
• Social media platforms: If you interact with us on social media or share our content
• Affiliate partners: If you arrive via an affiliate link, we may receive confirmation (but not your personal details)

3. How We Use Your Information

We use your personal information for the following purposes:

3.1 Providing Our Services

• Delivering the content and features you request
• Responding to your inquiries and support requests
• Processing consultation bookings
• Managing your account (if applicable)

3.2 Communications

• Sending you our newsletter (if you subscribed)
• Delivering downloadable resources you requested
• Sending educational email sequences related to topics you expressed interest in
• Notifying you about significant website updates or new content
• Responding to your questions or feedback

You can opt out of marketing emails at any time by clicking the unsubscribe link in any email or contacting us at info@savvyinvestorguide.com.

3.3 Improving Our Website

• Analyzing how visitors use our website to improve content and user experience
• Understanding which articles and topics are most valuable to readers
• Testing new features and content formats
• Identifying and fixing technical issues

3.4 Marketing and Advertising

• Showing you relevant content and recommendations based on your interests
• Displaying targeted advertisements (via third-party ad networks)
• Measuring the effectiveness of our marketing campaigns
• Promoting our books, guides, and educational resources

3.5 Legal and Security

• Protecting our website from spam, fraud, and abuse
• Complying with legal obligations and regulatory requirements
• Enforcing our Terms and Conditions
• Protecting our rights and the rights of others

4. Legal Basis for Processing (GDPR)

Under UK GDPR, we process your personal data based on the following legal grounds:

• Consent: When you subscribe to our newsletter, download resources, or book consultations
• Contract: When necessary to provide services you’ve requested
• Legitimate interests: For website analytics, improving our services, and fraud prevention (balanced against your rights)
• Legal obligation: When required by law (e.g., tax records, responding to legal requests)

5. How We Share Your Information

We do NOT sell your personal information to third parties.

We share your information only in these limited circumstances:

5.1 Affiliate Partners

When you click on an affiliate link and sign up with one of our recommended platforms (e.g., Fidelity, Vanguard, Hargreaves Lansdown), we may receive confirmation that a referral occurred. However, we do not receive your personal information from these partners. Your relationship with those platforms is governed by their own privacy policies.

5.2 Legal Requirements

We may disclose your information if required to:

• Comply with applicable laws, regulations, or legal processes
• Respond to lawful requests from government authorities
• Enforce our Terms and Conditions
• Protect our rights, property, or safety, or that of others
• Investigate fraud or security issues

5.3 Business Transfers

If The Savvy Investor Limited is involved in a merger, acquisition, or sale of assets, your information may be transferred to the new owner. We’ll notify you via email and/or a prominent notice on our website before your information becomes subject to a different privacy policy.

6. International Data Transfers

We are based in the United Kingdom. However, some of our service providers may be located in other countries, including the United States. When we transfer your data outside the UK or European Economic Area (EEA), we ensure appropriate safeguards are in place, such as:

• Standard Contractual Clauses approved by the European Commission
• Privacy Shield certification (for US-based providers)
• Adequacy decisions by the UK Information Commissioner’s Office

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required by law.

Specific Retention Periods:

• Email subscribers: Until you unsubscribe or 2 years of inactivity
• Contact form inquiries: 3 years for reference and support purposes
• Website analytics data: 26 months (Google Analytics default)
• Consultation records: 6 years (UK tax and record-keeping requirements)
• Account data (if applicable): Until account deletion or 2 years of inactivity
• Legal and tax records: 6-7 years as required by UK law

After the retention period expires, we securely delete or anonymize your personal information. Anonymized data (which cannot identify you) may be retained indefinitely for statistical and research purposes.

8. Your Rights Under UK GDPR

You have the following rights regarding your personal data:

8.1 Right to Access

You can request a copy of the personal information we hold about you.

8.2 Right to Rectification

You can ask us to correct inaccurate or incomplete personal information.

8.3 Right to Erasure (“Right to be Forgotten”)

You can request deletion of your personal information in certain circumstances (e.g., when no longer necessary for the purposes collected, or if you withdraw consent).

8.4 Right to Restriction

You can ask us to restrict processing of your personal information in certain situations (e.g., while we verify accuracy of contested data).

8.5 Right to Data Portability

You can request a copy of your personal information in a structured, machine-readable format to transfer to another service provider.

8.6 Right to Object

You can object to processing based on legitimate interests or for direct marketing purposes.

8.7 Right to Withdraw Consent

Where we rely on consent to process your data, you can withdraw that consent at any time.

8.8 Right to Lodge a Complaint

You have the right to lodge a complaint with the UK Information Commissioner’s Office (ICO):

• Website: https://ico.org.uk
• Phone: 0303 123 1113

9. Security

We take data security seriously and implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

Our security measures include:

• SSL/TLS encryption for data transmitted to and from our website
• Secure hosting infrastructure with regular backups
• Access controls limiting who can access personal data
• Regular security updates and monitoring
• Secure password storage (hashed and salted)

However, no internet transmission or electronic storage method is 100% secure. While we strive to protect your personal information, we cannot guarantee absolute security. You provide information at your own risk.

10. Children’s Privacy

Our website is not intended for children under 16 years of age. We do not knowingly collect personal information from children under 16. If you are a parent or guardian and believe your child has provided us with personal information, please contact us at info@savvyinvestorguide.com and we will delete it.

11. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to improve your experience on our website, analyze usage, and deliver relevant content.

For detailed information about the cookies we use and your choices, please see our Cookie Policy.

12. Third-Party Links

Our website contains links to third-party websites, including affiliate partner sites (investment platforms, book retailers, etc.). These third-party sites have their own privacy policies, which we do not control.

We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policy of any website you visit.

13. California Privacy Rights (CCPA)

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA):

• Right to know: What personal information we collect, use, and share
• Right to delete: Request deletion of your personal information
• Right to opt-out: Opt out of sale of personal information (we don’t sell your data)
• Right to non-discrimination: Equal service regardless of privacy rights exercise

To exercise these rights, contact us at info@savvyinvestorguide.com.

14. Do Not Track Signals

Some browsers include a “Do Not Track” (DNT) feature. Our website does not currently respond to DNT signals because there is no universally accepted standard for how to interpret them.

15. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy to reflect changes in our practices, legal requirements, or for other operational reasons.

When we make material changes, we will:

• Update the “Last Updated” date at the top of this policy
• Notify you via email if we have your email address
• Display a prominent notice on our website

We encourage you to review this Privacy Policy periodically. Your continued use of our website after changes are posted constitutes acceptance of the updated policy.

16. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please contact us:

Company Information:
The Savvy Investor Limited is registered in England and Wales under Company No. 14816921.
Registered office: 2nd Floor, College House, 17 King Edwards Road, Ruislip, London HA4 7AE, United Kingdom.