Privacy Policy

MornWave (“we”, “us”, “our”) is a UK-based educational blog focused on personal budgeting, daily expenses, and financial planning.

• Registered office: 177 Southwark Bridge Rd, London SE1 0ED, United Kingdom
• Company No.: 23617651
• Contact: contact@mornwave.co.uk • +44 0308 665 779

2. Scope

This policy covers personal data processed via our website at mornwave.co.uk, including contact forms and cookies/analytics. It does not cover third-party websites we link to.

3. What data we collect

3.1 Data you provide to us

• Contact details: name, email, phone, subject, message (from forms or direct email).
• Correspondence and support notes you choose to share with us.

3.2 Data we collect automatically

• Usage and device data: pages viewed, time on page, approximate location, device/browser type (via analytics when enabled).
• Technical data: IP address, referrer, and basic diagnostic logs for security and reliability.
• Cookies and similar technologies as described in the Cookies section.

3.3 Data from third parties

• Analytics and advertising platforms (e.g., Google Analytics, Meta Pixel) — only if you consent to analytics/marketing cookies.
• Public social profiles if you interact with our social pages.

4. Lawful bases for processing (UK GDPR)

• Consent: analytics/marketing cookies and related tracking.
• Legitimate interests: site security, performance, measuring aggregated reach, responding to general queries.
• Contract: handling enquiries you initiate that reasonably require a response.
• Legal obligation: complying with applicable laws and lawful requests.

5. How we use your data

• To operate and improve the site experience.
• To respond to messages and provide support.
• To understand aggregated audience interests (if analytics allowed).
• To protect the site, prevent abuse, and detect incidents.

6. Cookies and similar technologies

We use a simple cookie banner and preferences modal to let you control non‑essential cookies. You can Accept all, Decline, or Customize categories. Your preferences are stored locally in your browser and can be changed anytime by reopening the settings.

• Functional (always on if required for the site): remember preferences and improve reliability.
• Analytics (optional): Google Analytics to measure usage patterns and improve content.
• Marketing (optional): Meta (Facebook) Pixel for aggregated reach and page view measurement.

How to manage: use the cookie bar or the “Customize” button to toggle categories (Functional, Analytics, Marketing) and click Save preferences. You may also control cookies via your browser settings.

7. Sharing your data

We do not sell your personal data. We share limited data with service providers acting on our instructions:

• Analytics (Google Analytics) and marketing measurement (Meta Pixel) — only if you allow these cookies.
• Hosting, security, and infrastructure providers to run the website.
• Professional services (legal/accounting) if needed for compliance.

8. International transfers

When service providers are located outside the UK/EEA, we use appropriate safeguards (e.g., Standard Contractual Clauses) to protect your data, or rely on adequacy decisions where applicable.

9. Data retention

• Contact enquiries: typically retained up to 24 months for reference and support history.
• Analytics data: retained according to the settings of the analytics provider and your consent.
• Technical logs: retained for a limited period for security and troubleshooting.

10. Your rights

Under UK GDPR, you have the right to:

• Access your personal data and receive a copy.
• Request correction of inaccurate or incomplete data.
• Request deletion in certain circumstances.
• Restrict or object to processing in certain circumstances.
• Data portability for information you provided to us.
• Withdraw consent at any time where processing is based on consent.
• Lodge a complaint with the UK ICO: ico.org.uk.

To exercise these rights, contact us at contact@mornwave.co.uk.

11. Children

Our site is intended for adults and older teens interested in financial literacy. We do not knowingly collect personal data from children under 13. If you believe a child has provided personal data, please contact us to delete it.

12. Security

We use reasonable technical and organisational measures to protect personal data. No online system is perfectly secure; please use strong passwords for your email and devices.

13. Changes to this policy

We may update this policy to reflect changes in law or our services. We will post the updated version here and revise the “Last updated” date below.

14. Contact

Email: contact@mornwave.co.uk • Phone: +44 0308 665 779 • Address: 177 Southwark Bridge Rd, London SE1 0ED

Last updated: