Privacy Policy

1. Information We Collect

talivoranes collects personal information in several ways when you use our budget calendar planning platform. We believe in transparency about what data we gather and why.

Personal Information You Provide

When you create an account or use our services, you may provide us with:

• Name, email address, and contact information
• Financial data including income, expenses, and budget categories
• Payment information for subscription services
• Profile information and preferences
• Communications you send to our support team

Automatically Collected Information

Our systems automatically collect certain information about your device and usage patterns:

• IP address, browser type, and operating system details
• Pages visited, time spent on our platform, and click patterns
• Device identifiers and mobile network information
• Location data (with your explicit consent)
• Cookies and similar tracking technologies

2. How We Use Your Information

We process your personal data for legitimate business purposes and with your consent where required under UK GDPR and Data Protection Act 2018.

Primary Uses

• Providing budget calendar planning tools and financial insights
• Processing payments and managing your subscription
• Sending service updates, security alerts, and account notifications
• Improving our platform based on usage patterns and feedback
• Compliance with legal obligations and regulatory requirements

Marketing Communications

With your explicit consent, we may send you:

• Educational content about budgeting and financial planning
• New feature announcements and product updates
• Webinar invitations and educational resource notifications
• Surveys to help improve our services

You can withdraw consent for marketing communications at any time by clicking unsubscribe links or contacting us directly.

3. Information Sharing and Disclosure

We share personal information only in specific circumstances and always with appropriate safeguards in place.

Service Providers

We work with trusted third-party service providers who help us operate our platform:

• Cloud hosting providers for data storage and processing
• Payment processors for subscription and transaction handling
• Email service providers for communications
• Analytics providers for usage insights (anonymised data only)
• Customer support tools for assistance and troubleshooting

Legal Requirements

We may disclose information when required by law or to:

• Comply with legal process, court orders, or regulatory requests
• Protect our rights, property, or safety and that of our users
• Investigate potential violations of our terms of service
• Respond to claims of fraud or financial crime

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity. We would notify you of any such change and ensure your data rights are protected.

4. Your Rights and Choices

Under UK data protection law, you have significant rights regarding your personal information. Here's what you can do:

How to Exercise Your Rights

To exercise any of these rights, contact us using the details below. We'll respond within one month and may request additional information to verify your identity. There's no charge for most requests, though we may apply reasonable fees for excessive or repetitive requests.

If you're not satisfied with our response, you have the right to lodge a complaint with the Information Commissioner's Office (ICO), the UK's data protection supervisory authority.

5. Data Security and Protection

Protecting your financial information is our top priority. We implement multiple layers of security to safeguard your data.

Technical Safeguards

• 256-bit SSL encryption for all data transmission
• AES-256 encryption for data at rest in our databases
• Regular security audits and penetration testing
• Multi-factor authentication for staff access
• Automated backup systems with encrypted storage
• Network firewalls and intrusion detection systems

Operational Security

Beyond technical measures, we maintain strict operational security practices:

• Background checks for all employees with data access
• Regular security training and awareness programmes
• Incident response procedures and breach notification protocols
• Data access controls based on job responsibilities
• Secure development practices and code reviews

6. International Data Transfers

Some of our service providers are located outside the UK and European Economic Area. When we transfer personal data internationally, we ensure appropriate safeguards are in place.

Transfer Mechanisms

• Standard Contractual Clauses approved by the UK Information Commissioner
• Adequacy decisions recognising equivalent data protection standards
• Binding Corporate Rules for multinational service providers
• Certification schemes demonstrating appropriate safeguards

We regularly review the data protection standards in countries where our service providers operate and update our safeguards accordingly.

7. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your experience and gather insights about platform usage.

Types of Cookies We Use

• Essential Cookies: Required for basic website functionality and security
• Performance Cookies: Help us understand how you use our platform
• Functional Cookies: Remember your preferences and personalise your experience
• Marketing Cookies: Used to deliver relevant advertisements (with your consent)

You can control cookie settings through your browser preferences or our cookie management tool. Disabling certain cookies may affect platform functionality.

8. Children's Privacy

talivoranes's services are designed for adults aged 18 and over. We don't knowingly collect personal information from children under 18. If we discover we've inadvertently collected such information, we'll delete it promptly.

Parents or guardians who believe their child has provided personal information to us should contact us immediately so we can remove the information from our systems.

9. Data Retention

We retain personal information for as long as necessary to provide our services and comply with legal obligations. Specific retention periods depend on the type of information and how you use our platform.

General Retention Guidelines

• Account information: Retained while your account is active plus 3 years
• Financial data: Up to 7 years for tax and regulatory compliance
• Marketing communications: Until you unsubscribe or 2 years of inactivity
• Usage analytics: 24 months from collection
• Support tickets: 5 years from resolution

When retention periods expire, we securely delete or anonymise personal information. You can request earlier deletion by exercising your right to erasure, subject to legal retention requirements.

10. Updates to This Policy

We may update this privacy policy periodically to reflect changes in our practices, services, or legal requirements. When we make significant changes, we'll:

• Notify you via email or platform notification
• Update the effective date at the top of this policy
• Highlight key changes in our communication
• Provide a reasonable notice period before changes take effect

We encourage you to review this policy regularly to stay informed about how we protect your privacy. Continued use of our services after policy updates indicates acceptance of the changes.