Privacy Policy

Information We Collect

When you use our budgeting platform, we collect several types of information to provide you with our services effectively. This includes information you provide directly and data we gather automatically through your use of our platform.

Personal Information: We collect your name, email address, phone number, and billing details when you create an account or make a purchase. We also store your budgeting preferences and financial planning data that you input into our system.

• Account registration details including username and encrypted password
• Financial data you enter for budgeting purposes (income, expenses, savings goals)
• Communication preferences and notification settings
• Payment information processed through our secure payment providers
• Support tickets and correspondence with our customer service team

Technical Information: We automatically collect certain technical data when you visit our website, including your IP address, browser type, device information, and how you interact with our platform. This helps us improve our services and ensure security.

How We Use Your Information

Your information serves several important purposes within our platform. We use this data primarily to deliver our budgeting services, maintain account security, and enhance your overall experience with our tools.

• Providing access to your personal budgeting dashboard and financial planning tools
• Processing payments and managing your subscription or service purchases
• Sending important account updates, security notifications, and service announcements
• Analyzing platform usage to improve features and develop new budgeting capabilities
• Ensuring platform security and preventing unauthorized access to accounts
• Providing customer support and responding to your inquiries or technical issues

We may also use aggregated, anonymized data to understand how users interact with our platform generally, but this never includes personally identifiable information or specific financial details.

Data Protection and Security

Protecting your financial information is our highest priority. We implement multiple layers of security measures to safeguard your data both during transmission and while stored on our servers.

Encryption: All data transmitted between your device and our servers uses industry-standard TLS encryption. Your financial information is encrypted at rest using AES-256 encryption standards.

Access Controls: Only authorized personnel with legitimate business needs can access user data, and all access is logged and monitored. Our staff undergo regular security training and sign strict confidentiality agreements.

• Regular security audits and penetration testing by independent security firms
• Automated monitoring systems that detect and respond to potential security threats
• Secure data centers with physical security measures and environmental controls
• Regular backups stored in geographically separate locations with encryption
• Incident response procedures for immediate action if any security issues arise

Your Rights and Choices

Under UK data protection law, you have significant control over your personal information. We respect these rights and have established clear procedures for you to exercise them.

Access and Portability: You can request a copy of all personal data we hold about you. We'll provide this information in a commonly used, machine-readable format within 30 days of your request.

Correction and Updates: You can update most of your personal information directly through your account settings. For other changes, contact our support team, and we'll make corrections promptly.

• Right to deletion: Request removal of your personal data when it's no longer needed
• Right to restrict processing: Limit how we use your information in certain circumstances
• Right to object: Opt out of certain types of data processing activities
• Right to withdraw consent: Stop processing activities that rely on your consent

Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services and comply with legal requirements. Different types of data have different retention periods based on their purpose and legal obligations.

Account Data: Your budgeting information and account details are kept while your account remains active. After account closure, we retain basic information for 7 years to comply with financial record-keeping requirements.

Transaction Records: Payment and billing information is retained for 7 years as required by UK tax and accounting regulations. Marketing communications data is deleted within 2 years if you unsubscribe or become inactive.

• Technical logs and security data: 12 months unless needed for ongoing security investigations
• Customer support communications: 3 years to help resolve future issues effectively
• Anonymized usage analytics: Retained indefinitely as it cannot identify individuals

Third-Party Services and Data Sharing

We work with carefully selected third-party services to operate our platform effectively. These partners are bound by strict confidentiality agreements and can only process your data for specific, authorized purposes.

Payment Processing: We use secure payment processors to handle billing and subscription management. These providers meet the highest security standards and only receive information necessary to process transactions.

Cloud Infrastructure: Our platform operates on secure cloud infrastructure provided by reputable vendors with robust data protection measures and compliance certifications.

• Email service providers for sending account notifications and communications
• Analytics services that help us understand platform usage patterns
• Customer support tools to help our team assist you more effectively
• Security monitoring services to protect against threats and unauthorized access

We never share your personal financial data with marketing companies, data brokers, or other third parties for their commercial purposes. Any data sharing is limited to what's necessary to provide our services to you.

Updates to This Policy

We may update this privacy policy occasionally to reflect changes in our practices, legal requirements, or service offerings. When we make significant changes, we'll notify you through your account dashboard and email.

Minor updates that don't affect how we handle your personal information may be posted without additional notice. We encourage you to review this policy periodically to stay informed about how we protect your information.