Privacy Policy

Information We Collect

When you interact with felorianthus's financial habits platform, we collect various types of information to provide you with personalized services and improve your experience. This includes information you provide directly to us and information we collect automatically through your use of our services.

Personal Information You Provide

• Contact details including your name, email address, phone number, and postal address
• Account registration information such as username, password, and security questions
• Financial information including income ranges, spending categories, and financial goals
• Communication preferences and feedback you share with us
• Survey responses and questionnaire data about your financial habits

Information We Collect Automatically

Our platform automatically collects certain technical information when you visit our website or use our services. This includes your IP address, browser type and version, operating system, referring website addresses, and pages you access on our platform. We also collect information about how you interact with our features, including time spent on different sections and click patterns.

We use cookies and similar tracking technologies to collect this information. These small data files help us remember your preferences, analyze website performance, and provide personalized content. You can control cookie settings through your browser preferences, though disabling certain cookies may limit some functionality.

How We Use Your Information

Your personal information helps us deliver, maintain, and improve our financial habits platform. We process your data based on legitimate interests, contractual necessity, and your consent where required by law.

• Providing personalized financial habit recommendations and insights
• Creating and maintaining your account, including authentication and security
• Communicating with you about our services, updates, and educational content
• Analyzing usage patterns to improve our platform's effectiveness
• Developing new features and services based on user feedback and behavior
• Ensuring platform security and preventing fraudulent activities

We process your financial information to generate personalized insights about your spending patterns and financial habits. This analysis helps us provide relevant recommendations and educational content tailored to your specific situation. All processing is conducted with appropriate security measures in place.

For marketing communications, we only send emails to users who have explicitly opted in or have an existing relationship with us. You can unsubscribe from marketing emails at any time using the links provided in each message or by contacting us directly.

Information Sharing and Disclosure

We respect your privacy and do not sell, rent, or trade your personal information to third parties for their marketing purposes. We only share your information in specific circumstances outlined below, and always with appropriate safeguards in place.

Service Providers

We work with trusted third-party service providers who help us operate our platform and deliver services to you. These providers may access your personal information only to perform specific tasks on our behalf, such as payment processing, data analytics, email delivery, and customer support. All service providers are contractually bound to protect your information and use it only for the purposes we specify.

Legal Requirements

We may disclose your information when required by law, court order, or government regulation. This includes responding to lawful requests from law enforcement agencies or regulatory bodies. We may also share information to protect our rights, property, or safety, or that of our users or the public, including detecting and preventing fraud or security threats.

Business Transfers

In the event of a merger, acquisition, or sale of all or part of our business, your personal information may be transferred to the new entity. We would notify you of such changes and ensure that your information continues to be protected under this privacy policy or a similar policy.

Your Rights and Choices

Under UK data protection laws, including the UK GDPR, you have several important rights regarding your personal information. We are committed to helping you exercise these rights and will respond to your requests within the legally required timeframes.

• Access: You can request a copy of the personal information we hold about you
• Rectification: You can ask us to correct inaccurate or incomplete information
• Erasure: You can request deletion of your personal information in certain circumstances
• Portability: You can request your data in a structured, commonly used format
• Restriction: You can ask us to limit how we process your information
• Objection: You can object to processing based on legitimate interests

To exercise any of these rights, please contact us using the information provided below. We may need to verify your identity before processing your request to ensure the security of your personal information. Most requests are free, though we may charge a reasonable fee for excessive or repetitive requests.

If you're not satisfied with how we handle your request or our privacy practices, you have the right to lodge a complaint with the Information Commissioner's Office (ICO), the UK's data protection regulator.

Data Security and Retention

We implement comprehensive security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security practices include encryption of sensitive data both in transit and at rest, regular security assessments, and strict access controls limiting who can access your information.

Technical Safeguards

Our platform uses industry-standard encryption protocols (TLS 1.3) for all data transmissions. Personal information stored on our servers is encrypted using AES-256 encryption. We maintain secure backup systems and regularly test our disaster recovery procedures to ensure data integrity and availability.

Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy or as required by law. Account information is typically retained while your account is active and for up to three years after account closure. Financial data used for habit analysis is retained for two years to maintain the effectiveness of our recommendations.

Communication records and support tickets are retained for two years for quality assurance and legal compliance purposes. Marketing preferences and consent records are maintained until you withdraw consent or as required for regulatory compliance.

When we no longer need your information, we securely delete or anonymize it using industry-standard data destruction methods. Some information may be retained in anonymized form for statistical analysis and service improvement.

International Data Transfers

While we primarily store and process data within the United Kingdom, some of our trusted service providers may be located in other countries. When we transfer your personal information outside the UK, we ensure appropriate safeguards are in place to protect your data.

We only transfer data to countries that have been deemed to provide adequate protection by the UK government, or we implement additional safeguards such as Standard Contractual Clauses approved by UK data protection authorities. These legal mechanisms ensure your information receives the same level of protection regardless of where it's processed.

For transfers to the European Union, we rely on the adequacy decision recognizing EU data protection standards. For other jurisdictions, we conduct careful assessments to ensure appropriate protection levels and implement additional security measures where necessary.

Children's Privacy

Our financial habits platform is designed for adults and we do not knowingly collect personal information from children under 16 years of age. If we become aware that we have collected information from a child under 16, we will take immediate steps to delete that information.

Parents and guardians who believe their child may have provided us with personal information should contact us immediately. We will work promptly to address any concerns and ensure appropriate action is taken to protect children's privacy.

Updates to This Policy

We regularly review and update this Privacy Policy to reflect changes in our practices, legal requirements, or service offerings. When we make significant changes, we will notify you through email or prominent notices on our platform at least 30 days before the changes take effect.

We encourage you to review this policy periodically to stay informed about how we protect your information. Continued use of our services after policy updates constitutes acceptance of the revised terms, though we will seek additional consent for material changes that affect how we process your data.

Previous versions of this policy are archived and available upon request. We maintain records of policy changes to ensure transparency and compliance with regulatory requirements.

Contact Information

If you have questions about this Privacy Policy, want to exercise your data rights, or need to report a privacy concern, please don't hesitate to contact us. We're committed to addressing your inquiries promptly and thoroughly.

For urgent privacy matters or data breach notifications, please contact us immediately by phone. For general inquiries, email responses are typically provided within 48 hours during business days. We aim to resolve all privacy-related requests within one month of receipt.