Privacy Policy

Last updated: 20 July 2026

Let's Talk Money ("we", "our", "us") is committed to protecting your privacy and handling your personal information responsibly.

This Privacy Policy explains what personal data we collect, how we use it, who we share it with, and your rights under the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

By using our website or services, you agree to the collection and use of information in accordance with this Privacy Policy.

1. Who We Are

Let's Talk Money is operated by Ben Hefford, trading as Let's Talk Money, a sole trader based in England.

For the purposes of UK data protection legislation, Ben Hefford is the Data Controller of the personal information collected through this website.

Contact Email: info@letstalkmoney.org

Website: www.letstalkmoney.org

2. Information We Collect

Depending on how you use our website and services, we may collect the following information.

Information You Provide

Name
Email address
Telephone number (where provided)
Information submitted through contact forms
Coaching enquiry details
Information you choose to share during coaching sessions
Information included in emails or messages you send us

Booking Information

If you book coaching sessions, we may collect:

Appointment details
Booking history
Coaching notes relevant to the service provided

Payment Information

At present, payments for coaching services are made by bank transfer.

We do not collect or store your bank account or payment card details through this website.

If we introduce online payment providers in the future, this Privacy Policy will be updated accordingly.

Website Usage Information

When you visit our website, certain information may be collected automatically, including:

IP address
Browser type
Device type
Operating system
Pages visited
Time spent on pages
Referring website
General website usage statistics

This information helps us understand how visitors use our website and improve our services.

3. How We Use Your Information

We may use your personal information to:

Respond to enquiries.
Deliver coaching services.
Manage bookings and appointments.
Confirm receipt of bank transfer payments.
Send requested resources.
Improve our website and services.
Monitor website performance.
Send newsletters and educational content where you have opted in.
Comply with legal obligations.
Protect our business against fraud or misuse.

We will only process your personal information where we have a lawful basis to do so.

4. Our Lawful Basis for Processing

Under UK GDPR, we rely on one or more of the following lawful bases:

Contract

Where processing is necessary to provide coaching services or fulfil your request.

Legitimate Interests

To operate and improve our business, respond to enquiries and maintain the security and effectiveness of our website.

Consent

Where you have subscribed to our newsletter, downloaded a free resource or agreed to receive marketing communications. You may withdraw your consent at any time.

Legal Obligation

Where we are required to retain or disclose information to comply with applicable law.

5. Marketing Communications

If you choose to subscribe to our newsletter or download a free resource, your personal information will be stored securely using Kit (formerly ConvertKit).

We may use Kit to send:

Financial education content.
Money tips and guidance.
News from Let's Talk Money.
Invitations to webinars or events.
Information about coaching services, courses or digital products.
Relevant marketing communications where you have given your consent.

You can unsubscribe at any time by clicking the Unsubscribe link included in every email or by contacting us directly.

We will never sell your personal information or share it with third parties for their own marketing purposes.

6. Cookies

Our website is hosted by Wix.com Ltd and uses cookies and similar technologies to ensure the website functions correctly, improve security, remember your preferences and analyse how visitors use the website.

We use the following categories of cookies:

Strictly Necessary Cookies – Required for the operation and security of the website.
Analytics Cookies – Used to understand how visitors interact with our website. We use Google Analytics 4 (GA4) for this purpose.
Marketing Cookies – These may be used in the future if we run advertising or remarketing campaigns.

Analytics and marketing cookies will only be placed on your device after you have given your consent through our cookie banner.

You can change or withdraw your cookie preferences at any time.

Please also see our Cookie Policy for further information.

7. Third-Party Service Providers

We use trusted third-party providers to help us operate our website and deliver our services.

These currently include:

Wix.com Ltd – Website hosting, website forms, website functionality and security.
Google LLC (Google Analytics 4) – Website analytics and performance monitoring.
Kit (formerly ConvertKit) – Email newsletters, lead magnets, subscriber management and marketing communications.
Google Meet – Online coaching sessions where applicable.

These providers only process personal information where necessary to provide services on our behalf and are required to handle that information securely and in accordance with applicable data protection laws.

If we introduce additional service providers in the future, such as an online payment provider, this Privacy Policy will be updated accordingly.

8. Sharing Your Information

We do not sell your personal information.

We may share your information only:

With trusted service providers who help us operate our business.
Where required by law.
To establish, exercise or defend legal claims.
In connection with the sale or transfer of our business, should this ever occur.

9. International Transfers

Some of the third-party providers we use, including Wix.com Ltd, Google LLC and Kit, may process personal information outside the United Kingdom.

Where personal information is transferred internationally, we ensure appropriate safeguards are in place in accordance with UK GDPR, including adequacy regulations, Standard Contractual Clauses or other legally recognised transfer mechanisms where required.

10. How Long We Keep Your Information

We retain personal information only for as long as reasonably necessary to:

Provide our services.
Meet legal and accounting obligations.
Resolve disputes.
Protect our legitimate business interests.

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

11. Keeping Your Information Secure

We take appropriate technical and organisational measures to protect your personal information against:

Unauthorised access.
Loss.
Misuse.
Alteration.
Disclosure.
Destruction.

Although no method of internet transmission or electronic storage is completely secure, we take reasonable steps to safeguard your information.

12. Your Rights

Under UK GDPR, you have the right to:

Request access to your personal information.
Request correction of inaccurate information.
Request deletion of your personal information.
Restrict the processing of your information.
Object to certain types of processing.
Withdraw your consent at any time.
Request a copy of your personal data in a portable format where applicable.
Lodge a complaint with the Information Commissioner's Office (ICO).

To exercise any of these rights, please contact us using the details below.

13. Children's Privacy

Our website and coaching services are intended for individuals aged 18 years or over.

We do not knowingly collect personal information from children.

If we become aware that we have collected information from a child without appropriate consent, we will delete it as soon as reasonably practicable.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

The latest version will always be published on this page together with the updated "Last updated" date.

Your continued use of our website after any changes constitutes acceptance of the revised Privacy Policy.

15. Contact Us

If you have any questions about this Privacy Policy or how we process your personal information, please contact:

Let's Talk Money

Operated by Ben Hefford

Email: info@letstalkmoney.org

Website: www.letstalkmoney.org

If you are not satisfied with how we handle your personal information, you have the right to lodge a complaint with the Information Commissioner's Office (ICO).