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carvethionas

Budget Trend Analysis

Privacy Policy

We're committed to protecting your personal data and respecting your privacy rights. This policy explains how carvethionas collects, uses, and safeguards your information.

1

Information We Collect

carvethionas collects personal information when you interact with our budget trend analysis platform. This includes data you provide directly and information we gather automatically through your use of our services.

Personal Data You Provide

  • Contact information including your name, email address, phone number, and postal address
  • Account credentials and security information for platform access
  • Financial data you input for budget analysis, including income, expenses, and spending patterns
  • Communication preferences and feedback you share with our support team
  • Profile information and preferences you set within your account dashboard

Automatically Collected Information

Our platform automatically gathers technical data about your device and usage patterns. This includes your IP address, browser type, operating system, and interaction patterns within our application. We use cookies and similar tracking technologies to enhance your experience and analyze platform performance.

We never collect sensitive payment card details directly. All payment processing is handled by certified third-party processors who maintain their own security standards.

2

How We Use Your Information

Your personal data serves specific purposes within our budget analysis services. We process this information to deliver personalized financial insights, maintain platform security, and improve our service offerings.

  • Providing budget trend analysis and personalized financial recommendations based on your spending data
  • Managing your account access, authentication, and security settings
  • Sending service-related communications, updates, and important account notifications
  • Analyzing usage patterns to enhance platform functionality and user experience
  • Preventing fraud, unauthorized access, and ensuring platform security
  • Responding to your inquiries, support requests, and feedback
  • Complying with legal obligations and regulatory requirements in the United Kingdom

We base our data processing on legitimate interests, contract performance, and your consent where applicable. When we process sensitive financial information, we ensure additional security measures protect this data throughout our systems.

3

Data Sharing and Third Parties

carvethionas maintains strict control over your personal information. We share data only when necessary for service delivery, legal compliance, or with your explicit consent. Here's how we handle third-party relationships:

Service Providers

We work with carefully selected partners who help deliver our services. These include cloud hosting providers, payment processors, and analytics services. All third-party providers sign data processing agreements that require them to protect your information according to our standards.

Legal Requirements

We may disclose your information when required by law, regulation, or legal process. This includes responding to court orders, regulatory investigations, or other lawful requests from authorities. We'll notify you of such requests unless legally prohibited from doing so.

We never sell your personal data to third parties for marketing purposes. Your financial information remains confidential and is used solely for the services you've requested.

4

Your Rights and Choices

Under UK data protection law, you have significant control over your personal information. We've designed our systems to make exercising these rights straightforward and transparent.

  • Access your personal data and receive a copy of information we hold about you
  • Correct inaccurate or incomplete personal information in your account
  • Delete your personal data, subject to legal and contractual obligations
  • Restrict processing of your information in certain circumstances
  • Object to processing based on legitimate interests
  • Data portability - receive your data in a structured, machine-readable format
  • Withdraw consent for processing where consent is the legal basis

To exercise any of these rights, contact our privacy team using the details provided at the end of this policy. We'll respond to your request within one month and may ask you to verify your identity to protect your information.

Managing Your Preferences

You can update your communication preferences and account settings directly through your dashboard. For marketing emails, use the unsubscribe link in any message or contact our support team. Remember that some service-related communications are essential for your account security and cannot be disabled.

5

Data Security and Protection

Protecting your financial data is our top priority. We employ multiple layers of security measures designed to prevent unauthorized access, disclosure, or misuse of your personal information.

Technical Safeguards

  • End-to-end encryption for data transmission and storage
  • Multi-factor authentication for account access
  • Regular security audits and penetration testing
  • Automated threat detection and monitoring systems
  • Secure data centers with physical access controls

Organizational Measures

Our team follows strict data handling procedures. Access to personal information is limited to employees who need it for their job functions. All staff receive regular privacy and security training, and we maintain detailed access logs for accountability.

While we implement robust security measures, remember that no system is completely secure. You can help protect your account by using strong, unique passwords and keeping your login credentials confidential.

6

Data Retention and Deletion

We retain your personal information only as long as necessary for the purposes outlined in this policy. Our retention periods depend on the type of data and legal requirements that apply to our financial services.

Retention Periods

  • Account information: Retained while your account is active plus seven years after closure
  • Financial analysis data: Kept for the duration of your subscription plus three years
  • Communication records: Maintained for six years for regulatory compliance
  • Technical logs and usage data: Automatically deleted after 24 months
  • Marketing preferences: Retained until you withdraw consent or close your account

When retention periods expire, we securely delete or anonymize your personal data. Some information may be kept longer where required by law or for legitimate business purposes, such as fraud prevention or legal proceedings.

Secure Deletion Process

Our deletion procedures ensure data cannot be recovered or reconstructed. We use industry-standard techniques for permanent data destruction across all storage systems, including backups and archived copies.

7

International Data Transfers

carvethionas operates primarily within the United Kingdom, but some of our service providers may process data outside the UK. When we transfer personal data internationally, we ensure appropriate safeguards protect your information.

We use standard contractual clauses approved by UK data protection authorities and work only with providers who demonstrate adequate security measures. Any international transfers comply with UK GDPR requirements and maintain equivalent protection standards.

If you have concerns about international data transfers, please contact us. We can provide details about specific safeguards and the countries where your data might be processed.

8

Cookies and Tracking Technologies

Our platform uses cookies and similar technologies to enhance functionality and analyze usage patterns. These small data files help us provide personalized services and improve your experience.

Types of Cookies We Use

  • Essential cookies: Required for basic platform functionality and security
  • Performance cookies: Help us understand how you use our services
  • Functional cookies: Remember your preferences and settings
  • Analytics cookies: Provide insights into usage patterns and performance

You can control cookie settings through your browser preferences. However, disabling certain cookies may affect platform functionality. Our cookie banner allows you to manage preferences for non-essential cookies when you first visit our site.

9

Changes to This Privacy Policy

We may update this privacy policy to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you through your registered email address or by displaying a prominent notice on our platform.

We encourage you to review this policy periodically to stay informed about how we protect your information. The "Last Updated" date at the bottom indicates when the most recent changes were made. Continued use of our services after policy updates constitutes acceptance of the revised terms.

Notification Process

For material changes that significantly impact your rights, we'll provide at least 30 days' notice before the changes take effect. This gives you time to review updates and contact us with any questions or concerns about the modifications.

Privacy Contact Information

Data Protection Officer: carvethionas Privacy Team

Address: 62 Campion Ave, High Road, Hessle, Hull HU4 7AR, United Kingdom

Email: privacy@carvethionas.com

Phone: +442890993403

Response Time: We aim to respond to all privacy inquiries within 5 business days

This Privacy Policy was last updated on January 15, 2025, and is effective immediately for all users of the carvethionas platform.