Privacy

Bill Check

If you upload a bill or statement to Bill Check, the file is sent once to an AI model run by Anthropic, which reads the figures on our behalf and returns them to your browser. MoneyHQ does not store the file or the figures, the model is told not to look for names, addresses or account numbers, and Anthropic does not use what it reads to train its models. The figures you confirm stay in your browser and are used only for the comparison you asked for. If you ask for a reminder before a deal ends, we keep your email address and that date, nothing else from the bill.

Contract reminders

If you ask us to remind you before a phone, SIM or broadband contract ends, we keep your email address, the date you gave and which kind of contract it is. About two weeks before that date our email provider sends you one reminder, and that is the only thing the date is used for. You also join The UK Money Report, which you can leave from any email.

MoneyHQ in ChatGPT and Claude

When you use MoneyHQ inside ChatGPT or Claude, the assistant sends us the details of your question, such as a network, a budget, a phone model, what you pay now, a contract date or a postcode. We use them only to answer that question and do not store them. A postcode is passed once to our comparison partner to find what is available at that address, and is not kept by us. If you share a photo of a bill, the assistant reads it and sends us only the figures it needs, such as a monthly price; we never receive the photo. Nothing is collected in the chat for reminders or alerts: the app links to a page on this site where you can choose to give an email address.

For each question we keep a count with nothing that identifies you: which tool answered, which assistant asked, whether it found results, how many links it gave and how long it took. Your connection’s network address is held briefly in memory to stop the app being called too often, and is not stored. We do not receive your name, email address or chat history from the assistant, and the assistant’s own privacy policy covers what it keeps. Links in the app carry a tag saying they came from the app, so we can see which links are used. More about the app: MoneyHQ in ChatGPT and Claude.

The MoneyHQ app

Everything on this page applies to the iOS app and the Android app alike. The apps also hold and send the following, and nothing else.

• Your account. If you sign in, we keep your email address, a hashed sign-in code for ten minutes, and a session token on our server. Signing in adds you to the weekly email, which you can turn off under Account. Delete my account removes every app record we hold for you.
• Alerts. If you allow notifications, Apple or Google gives the app a device token and we store it so we can send the alerts you asked for and, if you leave it on, the occasional message from MoneyHQ. Both can be turned off under Account.
• Watching and saving. The offers and categories you watch or save are stored against your account so the morning check can tell you when they move.
• Bill Check in the app works exactly as described above: the photo or PDF is sent once to our server, read by an AI model provided by Anthropic, and discarded.
• Energy switching. If you apply to switch, the details you type (name, contact details, address, meter details and the bank details for the Direct Debit) go once from our server to The Energy Shop, our switching partner, and to the supplier you chose. MoneyHQ keeps only the application reference, the tariff and, if you ask us to tell you how it went, your email address until that one email is sent.
• Broadband and mobile. The comparison inside the app is provided by our comparison partner on their own pages, under their own privacy notice. MoneyHQ does not receive what you type there.
• How the app is used, measured with Mixpanel: which screens are opened and which buttons are tapped, never your email, never a figure from a bill, and never linked to who you are.

Who we are

MoneyHQ is operated by MoneyHQ Group Ltd (company number 17398040, registered office 66 Paul Street, London EC2A 4NA), the controller of any personal data collected through the site. For anything privacy-related, contact support@moneyhq.uk.

What we collect

• Your email address, if you sign up to the Friday brief. That’s all the signup asks for.
• Whatever you choose to send us when you email us.
• If you start an energy switch and continue past the first step, your email address and the supplier and tariff you chose, so our email provider can send you one reminder a couple of hours later if the application isn’t sent. MoneyHQ doesn’t keep them: the reminder is cancelled when you apply, and it never adds you to our newsletter. You can opt out with the tick box under the email field.
• If you tick “Tell me how my switch goes” when you apply to switch energy, your email address, so we can send you one email when the switch completes or if it fails. We delete the address as soon as that email is sent, and never use it for anything else.
• If you book a free call with William on /switch, the name, email and phone number you give, and your answers about which bills to check, so he can call you and email you the deal links. Calendly takes the booking for us. We keep a record of the call, with those details and William's notes, and send the follow-up email from MoneyHQ. We use them only for your call and that email, and never add you to our newsletter.
• How the site is used, measured with Google Analytics and Microsoft Clarity: pages visited, searches (scrubbed of anything that looks personal before they leave your browser), and which offers and deals get attention. This is usage measurement, not an advertising profile, and nothing in it identifies you to us.
• Google Ads measurement, only if you say yes when the site asks. Google then sets its conversion cookies so we can see whether a visit from one of our Google ads led to a deal click, an offer click, a newsletter signup or an energy application. If you said yes and then apply for an energy switch, we keep that ad click’s identifier with our record of the application, so we can tell Google later whether the switch went through. It identifies the ad click, not you. If you say no, or don’t answer, those cookies are not set, and Google receives at most a cookieless signal with ad click identifiers removed. Ad personalisation is off either way: no remarketing and no ads chosen because of your visit. Change your answer any time with Cookie settings at the foot of every page; the cookies page has the detail.
• The broadband and mobile comparisons are run by our comparison partner. What you enter there (a postcode, an address, the filters you choose) goes to the partner to find deals, and the partner counts clicks so that a purchase can be attributed to MoneyHQ. When you click a deal, we learn which deal and which retailer, and count it like any other click. MoneyHQ does not receive or store what you type into it.
• Standard technical logs created by our hosting provider when pages are served (such as IP address and browser type), used to run and secure the site.

What we don’t do

We don’t sell your data, we don’t let advertisers target you with it, and browsing MoneyHQ doesn’t require an account. The only advertising use is the Google Ads measurement described above, and only if you say yes. If you follow a link to a provider, what they collect is governed by their privacy policy, not ours.

Why we use it

The Friday brief runs on your consent: you can unsubscribe at any time using the link in any email, and we stop. Replying to your messages and keeping the site running and secure rely on our legitimate interest in operating MoneyHQ, and so does understanding how the site is used so we can improve it. Google Ads measurement runs only on your consent, which you can withdraw as easily as you gave it.

Who we share it with

Only the service providers we use to run MoneyHQ, such as website hosting and email delivery, and only as far as needed to do those jobs. If the law requires us to disclose something, we comply.

How long we keep it

Your newsletter email until you unsubscribe. A contract or deal reminder until it has been sent, or its date has passed. An energy switch outcome address until that one email is sent. A call booking, with your name, email, phone number and William's notes, for 90 days after the call, then those are deleted and we keep only the call's date and whether it led to a switch. Correspondence for as long as we need it to offer with the matter you raised.

Your rights

Under UK data protection law you can ask for a copy of your data, ask us to correct or delete it, object to how we use it, and withdraw consent at any time. Email support@moneyhq.uk and we’ll sort it. If you’re unhappy with how we’ve handled something, you can complain to the Information Commissioner’s Office at ico.org.uk.

Changes

If what we collect ever changes, this page changes first, and the date at the top shows the current version.