Privacy Policy

Effective Date: 1st January 2026

Smart Money Moves (“we”, “our”, “us”) respects your privacy and is committed to protecting your personal data.

Smart Money Moves is an affiliate of:

  • Monsenge Katemo LTD, United Kingdom
  • BLACK BOX VENTURE LIMITED, Zambia

This Privacy Policy explains how we collect, use, disclose, store, and protect your personal data when you:

This policy complies with:

  • UK General Data Protection Regulation (UK GDPR)
  • UK Data Protection Act 2018
  • Zambia Data Protection Act No. 3 of 2021
  • PECR (UK Privacy and Electronic Communications Regulations)

2. Data Controller Information

Primary Data Controller (UK):
Monsenge Katemo LTD
United Kingdom

Associated Entity (Zambia):
BLACK BOX VENTURE LIMITED
Zambia

Contact Email: shop@smartmoneymoves.co.uk

3. Information We Collect

We may collect the following categories of data:

A. Personal Identification Data

  • Full name
  • Email address
  • Phone number
  • Billing and delivery address
  • Country of residence

B. Financial & Transaction Data

  • Order details
  • Payment method (processed securely via third-party providers)
  • Transaction history

We do not store your full card details.

C. Technical Data

  • IP address
  • Browser type and version
  • Device type
  • Operating system
  • Location data (approximate)
  • Cookies and tracking technologies

D. Marketing & Communication Data

  • Newsletter subscription preferences
  • Survey responses
  • Customer support messages

E. Social Media Data

When you interact with us via platforms such as:

  • Facebook
  • Instagram
  • X (Twitter)
  • TikTok
  • LinkedIn
  • YouTube

We may receive:

  • Your public profile name
  • Username
  • Profile photo
  • Comments, messages, reactions

4. How We Collect Your Data

We collect data through:

  • Website forms
  • Checkout process
  • Account registration
  • Cookies & analytics tools
  • Email subscriptions
  • Customer service interactions
  • Social media interactions
  • Third-party services (payment processors, shipping providers, analytics platforms)

5. Legal Basis for Processing (UK & Zambia)

We process your data under:

  • Contractual necessity – to fulfil orders and services
  • Legal obligations – accounting, tax, regulatory compliance
  • Legitimate interests – improving services, fraud prevention
  • Consent – marketing communications and cookies
  • Vital interests – security and fraud protection

6. How We Use Your Information

We use your data to:

  • Process and deliver orders
  • Create and manage user accounts
  • Provide customer support
  • Improve website performance
  • Conduct analytics
  • Send newsletters and promotional content (with consent)
  • Prevent fraud and misuse
  • Comply with legal obligations
  • Manage social media interactions

7. Cookies & Tracking Technologies

We use:

  • Essential cookies
  • Performance/analytics cookies
  • Functional cookies
  • Marketing cookies

You can control cookies through your browser settings or our cookie banner.

8. Social Media Integration Policy

Our website and store integrate with social platforms for:

  • Sharing content
  • Advertising
  • Login functionality
  • Customer engagement

Important Notes:

  • Social media platforms operate independently and have their own privacy policies.
  • We do not control how these platforms process your data.
  • When you interact with us on social platforms, your data is also subject to the platform’s privacy policy.

Platforms may collect:

  • Your IP address
  • Page interactions
  • Device information
  • Cookies

We advise reviewing:

  • Meta (Facebook & Instagram) Privacy Policy
  • TikTok Privacy Policy
  • X (Twitter) Privacy Policy
  • LinkedIn Privacy Policy
  • Google/YouTube Privacy Policy

We use social media advertising tools such as:

  • Facebook Pixel
  • Google Ads
  • TikTok Pixel

to measure conversions and improve ad targeting.

You may opt out of targeted advertising via platform settings.

9. E-Commerce & Payment Processing

Payments are processed securely by third-party providers such as:

  • PayPal
  • Stripe
  • Flutterwave
  • Paystack
  • Bank transfer providers

These providers process your data under their own privacy policies and PCI-DSS compliance standards.

10. Data Sharing & Third Parties

We may share data with:

  • Payment processors
  • Delivery partners
  • Hosting providers
  • Analytics providers (Google Analytics, etc.)
  • Email marketing platforms
  • Legal and regulatory authorities (if required)

We never sell personal data.

11. International Data Transfers

Your data may be transferred outside the UK or Zambia.

When this occurs, we ensure:

  • Adequate safeguards
  • Standard Contractual Clauses (SCCs)
  • Secure encryption and access controls

12. Data Retention

We retain data only as long as necessary:

Data TypeRetention Period
Orders & financial data6–7 years (legal requirement)
Marketing dataUntil consent withdrawn
Account dataUntil account deletion
Support messages24 months
Analytics data26 months

13. Your Rights (UK & Zambia)

You have the right to:

  • Access your data
  • Correct inaccurate data
  • Delete your data
  • Restrict processing
  • Object to processing
  • Withdraw consent
  • Data portability
  • Lodge a complaint

UK Supervisory Authority:

Information Commissioner’s Office (ICO)
https://ico.org.uk

Zambia Supervisory Authority:

Data Protection Commissioner (Zambia)

14. Data Security Measures

We implement:

  • SSL encryption
  • Secure servers
  • Firewalls
  • Limited staff access
  • Regular security audits
  • Malware protection

15. Children’s Privacy

We do not knowingly collect data from children under 16.

If discovered, such data will be deleted promptly.

16. Marketing Communications

You may opt out of marketing at any time by:

  • Clicking “unsubscribe” in emails
  • Contacting us directly
  • Adjusting account preferences

Transactional emails will still be sent where necessary.

17. Third-Party Links

Our website may contain links to external websites.

We are not responsible for their privacy practices.

18. Changes to This Policy

We may update this policy periodically.

Changes will be published on this page with an updated revision date.

19. Contact Us

For privacy-related inquiries:

Email: shop@smartmoneymoves.co.uk
Website: https://smartmoneymoves.co.uk
Store: https://smartmoneymoves.co.uk/shop