Privacy Policy

At pheraloventhi, we take your privacy seriously. This comprehensive policy explains how we collect, use, protect, and manage your personal information when you use our finance insights platform and related services.

Effective Date: 15 January 2025 | Last Updated: 15 January 2025

1. Information We Collect

We collect information you provide directly, information automatically gathered through your use of our platform, and information from third-party sources when legally permitted. This comprehensive approach helps us deliver personalised finance insights while maintaining the highest standards of data protection.

Personal Information You Provide

Account registration details including name, email address, phone number, and postal address
Financial preferences and investment interests you share through our platform
Communication history including support requests, feedback, and survey responses
Educational background and professional experience when relevant to our services
Payment information and billing details for premium services

Automatically Collected Information

Our systems automatically collect technical information to improve your experience and ensure platform security. This includes device information, browsing patterns, and interaction data that helps us understand how you engage with our content.

Data Type	Examples	Purpose
Technical Data	IP address, browser type, device ID, operating system	Security, troubleshooting, platform optimisation
Usage Data	Pages visited, time spent, click patterns, search queries	Content personalisation, user experience improvement
Location Data	General geographic location, timezone	Localised content, regulatory compliance

2. How We Use Your Information

Your information enables us to provide valuable finance insights, maintain platform security, and continuously improve our services. We process your data lawfully and transparently, always with clear purposes that benefit your experience.

We never sell your personal information to third parties. Our business model focuses on providing educational finance content and insights, not data monetisation.

Primary Uses

Delivering personalised finance insights and educational content tailored to your interests
Processing account registration, authentication, and premium service subscriptions
Communicating important updates, service announcements, and educational opportunities
Conducting research and analysis to improve our platform and develop new features
Ensuring platform security, preventing fraud, and maintaining service integrity
Complying with legal obligations and regulatory requirements in financial services

We base our data processing on legitimate interests, contractual necessity, legal compliance, and your explicit consent where required. You maintain control over how your information is used and can adjust preferences at any time.

3. Information Sharing and Disclosure

We share your information only in specific circumstances and always with appropriate safeguards. Our approach prioritises your privacy while enabling essential service functionality and legal compliance.

Service Providers and Partners

We work with carefully selected third-party providers who help deliver our services. These partnerships include cloud hosting, payment processing, analytics, and communication services. All partners sign comprehensive data processing agreements and meet our strict privacy standards.

Cloud infrastructure providers for secure data storage and platform hosting
Payment processors for handling subscription and service payments
Communication services for delivering emails and notifications
Analytics providers for understanding user engagement and platform performance
Security services for fraud prevention and platform protection

Legal and Regulatory Disclosure

We may disclose information when legally required or necessary to protect our rights and users. This includes cooperation with law enforcement, regulatory compliance, and defending against legal claims. We carefully review all requests and disclose only the minimum information necessary.

4. Your Rights and Choices

Under UK GDPR and Data Protection Act 2018, you have comprehensive rights regarding your personal information. We've designed straightforward processes to help you exercise these rights effectively.

Access Your Data

Request a complete copy of personal information we hold about you, including details about how it's processed and shared.

Correct Information

Update or correct any inaccurate or incomplete personal information in your account or our records.

Delete Your Data

Request deletion of your personal information, subject to legal retention requirements and legitimate business needs.

Restrict Processing

Limit how we process your information in specific circumstances while maintaining essential service functionality.

Data Portability

Receive your personal information in a structured format that you can transfer to another service provider.

Withdraw Consent

Withdraw consent for specific data processing activities where consent is the legal basis for processing.

To exercise your rights, contact us at info@pheraloventhi.com or use our online privacy request form. We respond to all legitimate requests within one month and provide clear explanations if we cannot fulfil specific requests.

5. Data Security and Protection

We implement comprehensive security measures to protect your information against unauthorised access, alteration, disclosure, and destruction. Our multi-layered approach includes technical, administrative, and physical safeguards.

Technical Safeguards

End-to-end encryption for data transmission and storage using industry-standard protocols
Multi-factor authentication and role-based access controls for internal systems
Regular security audits, penetration testing, and vulnerability assessments
Automated monitoring systems for detecting and responding to security incidents
Secure cloud infrastructure with redundant backups and disaster recovery procedures

Administrative Controls

Our team undergoes regular privacy and security training. We maintain strict data handling policies and conduct background checks for personnel with data access. Incident response procedures ensure rapid detection and mitigation of any security concerns.

While we implement robust security measures, no system is completely immune to risks. We continuously update our security practices and promptly notify users of any significant incidents affecting their personal information.

6. Data Retention and Deletion

We retain personal information only as long as necessary for legitimate business purposes, legal compliance, and user service provision. Our retention schedules balance your privacy rights with practical operational needs.

Information Type	Retention Period	Deletion Criteria
Account Information	Duration of active account plus 3 years	Account closure and legal retention expiry
Financial Preferences	Duration of active account plus 2 years	Service discontinuation and regulatory compliance
Communication History	6 years from last interaction	Legal requirement completion
Usage Analytics	2 years from collection	Business purpose fulfillment

We conduct regular data audits to ensure compliance with retention schedules and securely delete information when retention periods expire. Users can request early deletion of specific information types where legally permissible.

7. International Data Transfers

Some of our service providers operate outside the UK and European Economic Area. We ensure adequate protection for transferred data through approved transfer mechanisms and contractual safeguards.

Transfer Safeguards

Standard Contractual Clauses approved by UK and EU authorities
Adequacy decisions recognising equivalent protection standards
Additional technical and organisational measures for enhanced security
Regular assessments of transfer destination privacy laws and practices

We maintain detailed records of international transfers and provide information about specific destinations upon request. Our transfer impact assessments ensure continued protection of your rights regardless of data location.

Policy Updates and Changes

We review this privacy policy regularly and update it as needed to reflect changes in our practices, services, and legal requirements. Significant changes are communicated through email notifications and prominent website notices. Continued use of our services after policy updates constitutes acceptance of the revised terms.

Contact Us About Privacy

For privacy-related questions, data requests, or concerns about how we handle your information:

Email: info@pheraloventhi.com

Address: 5 Maple Terrace, Yeadon, Leeds LS19 7HL, United Kingdom

Phone: +447951556865

You also have the right to lodge complaints with the Information Commissioner's Office (ICO) if you believe we've mishandled your personal information.