Privacy and Cookie Policy
Last updated: 21 July 2026
This Privacy and Cookie Policy explains how Aila Money Ltd collects, uses and protects personal data when you use our website, app, messaging services, events, coaching, adviser introduction services and other services.
Aila Money Ltd is a private limited company registered in England and Wales under company number 15477044. Our registered office is Serapis House, 28 Goodluck Hope Walk, London E14 0XN, United Kingdom.
For privacy questions or to exercise your data rights, contact us at hello@ailamoney.com.
1. Who We Are
Aila Money Ltd is the controller of the personal data described in this policy. This means we decide why and how that personal data is used.
Where you choose to work with an independent financial adviser, coach, payment provider, messaging platform or other third party, that third party may also act as a separate controller under its own privacy notice. We will tell you when this applies.
2. What This Policy Covers
This policy applies when you:
- visit ailamoney.com or any Aila web page;
- use the Aila app or digital service;
- communicate with us by email, WhatsApp, SMS, social media or another messaging service;
- complete a questionnaire, form, survey or event registration;
- use Aila coaching, educational content or planning tools;
- ask us to introduce you to a financial adviser or another third-party service provider;
- apply for a role with us.
Our services are intended for people aged 18 or over. We do not knowingly collect personal data from children.
3. Personal Data We Collect
We may collect and use the following types of personal data.
| Category | Examples |
|---|---|
| Identity data | Name, age range, gender if you choose to provide it, username or profile details. |
| Contact data | Email address, phone number, messaging handle, social media handle, postal address if needed. |
| Financial profile data | Information you choose to provide about income, spending, savings, debts, assets, pensions, investments, goals, budget, money habits and financial priorities. |
| Life-goal and coaching data | Information about your goals, preferences, confidence, learning needs, coaching notes, action plans and feedback. |
| Adviser referral data | Information needed to understand the type of adviser or specialist support you have requested and to make an introduction where you ask us to do so. |
| Payment and purchase data | Coaching purchases, invoices, refunds, payment status and related transaction records. We do not store full card details. |
| Communications data | Messages, emails, support queries, survey responses, event attendance and feedback. |
| Technical and usage data | IP address, device identifiers, browser type, operating system, pages visited, app events, referral links, cookie identifiers, local storage identifiers and analytics data. |
| Marketing preferences | Whether you have opted in or out of emails, SMS, WhatsApp or other marketing messages. |
| Recruitment data | CV, application details, work history, interview notes, right-to-work information and references if you apply for a role. |
Please do not give us information about other people unless you have their permission to do so.
4. Special Category Data
We do not intentionally ask for special category data, such as health data, religious beliefs or biometric data. However, you may choose to tell us information about your emotions, wellbeing, personal circumstances or financial vulnerability when using coaching or support features.
Where we need to use special category data, we will do so only where we have a valid condition under data protection law, such as your explicit consent or where the processing is necessary for legal claims or another permitted reason.
5. How We Collect Personal Data
We collect personal data:
- directly from you when you complete forms, use the app, send messages or attend events;
- from your device and browser through cookies, analytics tools and similar technologies;
- from payment, email, hosting, analytics, CRM, customer support and messaging service providers;
- from coaches, advisers or partners where you have asked for an introduction or support;
- from public sources, such as social media, only where relevant and lawful.
If we introduce features that connect to your bank account through Open Banking or similar account information services, we will give you separate information and obtain any consent required before accessing that data. Aila Money Ltd does not provide account information services or payment initiation services unless we state this clearly and the relevant service is provided under the required regulatory permissions.
6. How We Use Personal Data
We use personal data for the purposes and lawful bases below.
| Purpose | Data used | Lawful basis |
|---|---|---|
| To provide the Aila service, app, website and account features | Identity, contact, financial profile, life-goal, communications and technical data | Contract; legitimate interests |
| To provide financial education, guidance prompts, planning tools and coaching support | Financial profile, life-goal, coaching and communications data | Contract; legitimate interests; explicit consent where required |
| To respond to questions and provide customer support | Contact and communications data | Contract; legitimate interests |
| To process coaching bookings, purchases, payments and refunds | Identity, contact, payment and purchase data | Contract; legal obligation; legitimate interests |
| To make adviser or third-party introductions where you ask us to do so | Identity, contact, financial profile and adviser referral data | Consent; contract; legitimate interests |
| To improve our services and develop new features | Usage, technical, feedback and aggregated data | Legitimate interests; consent for non-essential cookies or tracking |
| To run events, webinars, research, surveys and promotions | Identity, contact, event and feedback data | Contract; legitimate interests; consent where required |
| To send service messages | Contact, account and communications data | Contract; legitimate interests |
| To send marketing | Contact data, marketing preferences and usage data | Consent or soft opt-in under PECR; legitimate interests for managing marketing records |
| To detect fraud, secure our systems and prevent misuse | Technical, usage, account and communications data | Legitimate interests; legal obligation |
| To comply with legal, accounting, tax and regulatory obligations | Identity, contact, payment, purchase and communications data | Legal obligation; legitimate interests |
| To assess job applications | Recruitment, identity and contact data | Contract steps; legal obligation; legitimate interests; consent for future opportunities |
7. Financial Guidance, Not Financial Advice
Aila provides financial education, planning tools and guidance. We do not provide regulated financial advice and we do not recommend that you buy, sell, hold or switch any specific investment, pension, insurance, credit product or other regulated financial product.
Any prompts or outputs we provide are based on information available to us, including information you choose to provide. Your financial situation is personal to you, and you remain responsible for your own financial decisions. You should seek advice from an appropriately authorised adviser where you need regulated financial advice.
8. AI, Profiling and Automated Processing
We may use rules-based tools, analytics and artificial intelligence to help generate educational content, guidance prompts, summaries, goals and support suggestions.
We do not use solely automated decision-making that has legal or similarly significant effects on you. We do not automatically approve or reject you for credit, insurance, investments, employment or any regulated financial product.
You can contact us at hello@ailamoney.com if you want to understand how a prompt or suggestion was generated, correct the information used, or ask for human review.
9. Marketing Communications
We may send you marketing by email, SMS, WhatsApp or similar electronic message only where permitted by law. For individual users, this usually means either:
- you have given us specific consent; or
- you are an existing customer and we are contacting you about our own similar products or services, and we gave you a clear chance to opt out when we collected your details and in every marketing message.
You can opt out at any time by using the unsubscribe link or instructions in the message, replying with an opt-out request where available, or contacting hello@ailamoney.com.
We may still send you service messages, such as account, security, booking, payment or policy update messages.
10. Who We Share Personal Data With
We may share personal data with:
- hosting, website, app, cloud infrastructure and security providers;
- analytics, attribution and cookie technology providers;
- email, SMS, WhatsApp, social media and messaging platforms;
- customer support, CRM, survey and event management providers;
- payment processors and accounting providers;
- coaches, advisers or professional service providers where you ask us to introduce you and explicitly give consent to us sharing some of your information to assist with the initial call;
- legal, tax, audit, insurance and other professional advisers;
- regulators, law enforcement, courts or public authorities where required or permitted by law;
- another organisation if we sell, merge, restructure or transfer part of our business.
We do not sell your personal data.
If an adviser or other third party pays us a referral fee or other commercial benefit, we will disclose this in the relevant customer journey or terms.
11. International Transfers
Some service providers may process personal data outside the UK. Where we make a restricted transfer of personal data, we will use a lawful transfer mechanism such as UK adequacy regulations, the UK International Data Transfer Agreement, the UK Addendum to the EU Standard Contractual Clauses, or another safeguard permitted by UK data protection law.
12. How Long We Keep Personal Data
We keep personal data only for as long as needed for the purpose for which it was collected, including to provide services, meet legal obligations, resolve disputes and keep business records.
| Data type | Typical retention period |
|---|---|
| Website enquiries and general contact records | Up to 2 years after the last contact, unless needed longer for a dispute or legal obligation. |
| Account, app and financial profile data | While your account is active, then deleted or anonymised within 6 months after account closure unless we need to retain limited records for legal, tax, accounting, fraud prevention or dispute reasons. |
| Coaching records and action plans | While services are active, then up to 6 years where needed for contractual, complaint, insurance or legal reasons. |
| Payment, invoice and refund records | Up to 6 years after the end of the relevant financial year. |
| Adviser referral records | Up to 6 years where needed to evidence your request, consent, referral details or complaint history. |
| Marketing records | Until you opt out or your details are no longer useful for the purpose; suppression records may be kept longer to ensure we respect opt-outs. |
| Cookie and analytics identifiers | As set out in the cookie table or cookie settings, usually no longer than 13 months for non-essential analytics or advertising cookies unless refreshed by your consent. |
| Recruitment records | Up to 12 months after the recruitment process, unless you agree that we may keep your details longer or you are hired. |
When we no longer need personal data, we delete it, anonymise it or securely archive it where retention is legally required.
13. Security
We use appropriate technical and organisational measures to protect personal data. These may include access controls, encryption, secure hosting, staff controls, supplier due diligence and monitoring.
No online service can be guaranteed to be completely secure. You are responsible for keeping your device, email, messaging account and passwords secure.
14. Your Rights
Subject to legal conditions and exemptions, you may have the right to:
- access the personal data we hold about you;
- ask us to correct inaccurate or incomplete data;
- ask us to delete your personal data;
- ask us to restrict our use of your personal data;
- object to processing based on legitimate interests;
- object to direct marketing at any time;
- withdraw consent where we rely on consent;
- request portability of data you provided to us;
- ask for human review where automated decision-making rights apply.
To exercise your rights, contact hello@ailamoney.com. We will usually respond within one month.
You also have the right to complain to the Information Commissioner's Office at ico.org.uk or by calling 0303 123 1113. We would appreciate the chance to deal with your concern first, but you do not have to contact us before complaining to the ICO.
15. Cookies and Similar Technologies
Cookies and similar technologies are small files or identifiers stored on, or accessed from, your device. They help websites and apps work, remember choices, measure usage and support advertising.
Under UK cookie rules, we only use non-essential cookies and similar technologies where you have given consent. You can accept, reject or manage non-essential cookies through our cookie banner or cookie settings.
Cookie Categories
We use essential cookies to make this website work. With your permission, we also use analytics and marketing cookies to understand how people use Aila, improve our services and measure campaigns.
16. Changes To This Policy
We may update this policy from time to time. If we make a material change, we will take appropriate steps to bring it to your attention, such as updating the website, emailing users or showing an in-service notice.
17. Contact Us
Aila Money Ltd
Company number: 15477044
Registered in England and Wales
Registered office: Serapis House, 28 Goodluck Hope Walk, London E14 0XN, United Kingdom
Email: hello@ailamoney.com