Legal & Privacy

PRIVACY POLICY

Effective Date: October 2026

  1. Introduction

Welcome to Thoughts About Money (“we”, “us”, or “our”). As a digital publication dedicated to exploring the psychology and decision-making behind our finances, we are committed to protecting your privacy. This Privacy Policy outlines how we collect, use, and protect the information gathered through our platform in accordance with standard United Kingdom data protection regulations (UK GDPR and the Data Protection Act 2018).

  1. Data Collection

We collect specific information when you choose to interact with our platform, whether you are subscribing to our free newsletter or reaching out via the contact form.

Data collected includes:

  • Full Name
  • Email Address
  • General correspondence submitted through our inbox

We also collect standard technical data (such as IP addresses and browsing metrics) to ensure the secure and efficient operation of our digital platform.

  1. Use of Information

Your trust is not taken for granted. Information provided to Thoughts About Money is used exclusively for the following purposes:

  • To deliver our free weekly newsletters, essays, and media directly to your inbox.
  • To respond to your questions or general reader enquiries.
  • To maintain the security and structural integrity of our digital platform.

We deeply respect your inbox. We do not engage in aggressive marketing, and your personal data will never be sold to third parties.

  1. Data Governance and Retention

We apply rigorous care to your data. Information is stored securely and retained only for as long as you remain a subscriber or as is necessary to comply with overarching legal reporting obligations. If you choose to unsubscribe, your data will be securely removed from our active mailing lists.

  1. Your Rights

Under standard UK data protection frameworks, you maintain absolute control over your personal data. You possess the right to:

  • Request a copy of the data we hold regarding you.
  • Request the rectification of inaccurate data.
  • Request the complete erasure of your data.
  • Unsubscribe from our communications at any time via the link provided at the bottom of every email.

To exercise these rights, please reach out directly via our Contact page.

TERMS OF USE

Effective Date: October 2026

 

  1. Acceptance of Terms

By reading, watching, listening to, or otherwise accessing Thoughts About Money, you accept and agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please cease using the platform.

 

  1. Professional and Regulatory Status (Strictly Educational)

Thoughts About Money operates exclusively as an editorial, educational, and entertainment publication.

  • No Regulated Advice: The content provided on this website—including essays, videos, and podcasts—does not constitute personalized financial advice, specific portfolio strategies, or regulated advice under the UK Financial Conduct Authority (FCA).
  • No Financial Promotion: Nothing on this platform shall be construed as a financial promotion, an invitation, or an inducement to engage in investment activity.
  • Professional Boundary: While Mark Woodruff draws on a dual-chartered background, he is acting entirely as a writer and educator on this platform. Professional advisory relationships are not established through the use of this website.
  1. Books and Paid Content

Thoughts About Money does not currently sell anything through this website. If books or other paid content are offered here in future, their terms will be set out clearly at the point of purchase.

 

  1. Intellectual Property

All essays, behavioral frameworks, audio recordings, videos, and other content presented on this website are the exclusive intellectual property of Mark Woodruff. They may not be reproduced, distributed, or commercially exploited without explicit written authorization.

 

  1. Limitation of Liability

The behavioral insights and financial education provided on this platform explore universal psychological principles and historical financial theory. While every effort is made to ensure accuracy, Thoughts About Money assumes no legal liability for any personal or financial decisions you make based on the content of this digital publication. Always consult with a qualified, regulated professional regarding your unique circumstances.

 

  1. External Links and The Consultancy Bridge

This website operates as an independent editorial platform. Any links to external platforms are provided for informational purposes only. Additionally, the site links to a separate business-to-business consultancy (Mark Woodruff Consultancy). Thoughts About Money assumes no regulatory responsibility for the privacy practices or content of any third-party websites.

 

  1. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from the use of this digital platform shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Have a question about your privacy or your data?

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