Information We Collect

When you use our budget allocation services, we collect information that helps us provide better financial guidance. This includes details you share directly with us, like your name, email address, and phone number when you contact us or sign up for consultations.

We also gather information about your budget goals and financial preferences during our planning sessions. This helps us tailor our allocation methods to your specific needs. Sometimes we receive technical information automatically, such as your IP address and browser type, when you visit our website.

How We Use Your Information

Your information helps us deliver personalised budget allocation advice that actually works for your situation. We use what you share to understand your financial goals and recommend allocation strategies that make sense for your lifestyle and priorities.

• Providing customised budget allocation recommendations
• Sending you updates about our services and helpful budgeting tips
• Improving our allocation methods based on client feedback
• Responding to your questions and providing ongoing support
• Ensuring our website works properly and stays secure

We might also use your information to send you educational content about budget management, but you can opt out of these communications anytime.

Sharing and Disclosure

We don't sell or rent your personal information to anyone. That's not our business model, and frankly, it would break the trust that's essential for good financial guidance relationships.

There are limited situations where we might need to share your information. If you work with one of our partner financial advisors, we'll share relevant details with your permission. We also use some third-party services to run our business, like email providers and website hosting, but these companies are required to keep your information secure.

Under UK law, we may need to disclose information if required by court order or to comply with legal obligations. We'd only do this when legally required and would limit what we share to the minimum necessary.

Your Rights Under UK Law

UK data protection laws give you significant control over your personal information. You have the right to know what information we hold about you and how we use it. You can request a copy of your data anytime, and we'll provide it within one month.

• Access your personal data and understand how we use it
• Correct any inaccurate or incomplete information we hold
• Request deletion of your data in certain circumstances
• Object to processing for direct marketing purposes
• Request that we restrict how we process your information
• Receive your data in a portable format for transfer elsewhere

To exercise these rights, just contact us using the details below. We'll verify your identity and respond promptly. If you're not satisfied with our response, you can complain to the Information Commissioner's Office.

Data Security and Protection

We take reasonable steps to protect your information from unauthorised access, loss, or misuse. Our website uses SSL encryption, and we store data securely with reputable hosting providers who maintain high security standards.

Our team receives regular training on data protection best practices. We limit access to your information to staff members who need it to provide our services. While we work hard to protect your data, no online service can guarantee complete security, so we encourage you to be cautious about what sensitive information you share online.

Data Retention

We keep your information only as long as necessary to provide our services and meet legal requirements. For active clients, we typically retain consultation records and communication history to ensure continuity in our advice and support.

If you stop using our services, we'll keep your basic contact information for up to three years in case you want to return. Detailed consultation records are usually deleted after seven years, in line with financial services record-keeping guidelines.

Marketing communications data is kept until you unsubscribe or we determine it's no longer relevant. You can request earlier deletion of your information, though we may need to retain some records to comply with legal obligations.

Cookies and Website Data

Our website uses cookies to improve your experience and help us understand how people use our services. Most cookies we use are essential for the website to function properly, like remembering your preferences during a single visit.

We also use analytics cookies to learn about popular content and identify areas where we can improve. These don't identify you personally but help us make the website more useful. You can control or disable cookies through your browser settings, though this might affect how some parts of our website work.

We don't use tracking cookies for advertising purposes, and we don't sell cookie data to third parties. Our cookie usage is focused on providing better service rather than building advertising profiles.

Updates to This Policy

We review this privacy policy annually and update it when necessary to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify existing clients by email and post the updated policy on our website.

Minor updates, like clarifications or contact information changes, may be made without individual notification. We always include the date of the last update at the beginning of the policy so you can see when it was most recently revised.

This policy was last updated in January 2025.