Privacy Policy

Information We Collect

When you create a tanulnunwabieva account or use our budgeting tools, we collect information that helps us provide personalised financial guidance. This includes basic account details, your budgeting preferences, and how you interact with our platform.

We never collect more information than necessary to provide our services. All financial data you enter remains yours, and we use industry-standard encryption to protect sensitive information.

How We Use Your Information

Your information helps us create a better budgeting experience tailored to your needs. We're transparent about every way we use your data.

• Provide personalised budgeting recommendations based on your spending patterns and financial goals
• Send educational content about money management that matches your interests and experience level
• Improve our budgeting tools by understanding which features help users most effectively
• Ensure platform security by monitoring for unusual account activity or potential security threats
• Communicate important updates about your account, new features, or changes to our services
• Provide customer support when you have questions about using our budgeting tools

We never sell your personal information to third parties. Our business model focuses on providing valuable budgeting education and tools, not on monetising your data.

Data Sharing and Third Parties

We work with carefully selected partners to provide our services, but we maintain strict controls over how your information is handled. Any third-party access is limited to what's necessary for specific functions.

Our cloud hosting provider stores encrypted data securely in UK-based servers. Payment processing partners handle transaction data according to financial industry security standards. Analytics services help us understand general usage patterns without accessing personal financial information.

We may share information if required by law or to protect our users' safety, but we'll notify you unless legally prohibited from doing so. In the unlikely event of a business transfer, your data rights would be protected under the same standards outlined in this policy.

Data Security and Protection

Protecting your financial information is our top priority. We use multiple layers of security to safeguard your data both in transit and at rest.

All sensitive information is encrypted using AES-256 encryption standards. Our servers are hosted in secure UK data centres with 24/7 monitoring and access controls. Regular security audits and penetration testing help us identify and address potential vulnerabilities.

Our staff receive regular training on data protection principles, and access to personal information is strictly limited to those who need it to provide our services. We maintain detailed logs of data access and regularly review these for any unusual activity.

In the unlikely event of a data breach, we'll notify affected users and relevant authorities within 72 hours. Our incident response plan ensures swift action to minimise any potential impact on your privacy.

Data Retention and Deletion

We keep your information only as long as necessary to provide our services and comply with legal obligations. Different types of data have different retention periods based on their purpose and legal requirements.

• Active account data is retained while your account remains open and for one year after account closure
• Financial transaction records are kept for seven years to comply with UK financial regulations
• Marketing communication records are deleted within two years of your last interaction with us
• Technical logs and security monitoring data are automatically deleted after six months
• Customer support communications are retained for three years to maintain service quality

When data reaches its retention limit, we securely delete it using methods that make recovery impossible. You can request early deletion of your data at any time, subject to legal requirements.

International Data Transfers

Your data is primarily stored and processed within the United Kingdom. However, some of our technology partners may process data in other countries with strong data protection standards.

When international transfers occur, we ensure appropriate safeguards are in place, including adequacy decisions by the UK government or standard contractual clauses approved by data protection authorities. These measures provide equivalent protection to UK data protection law.

You can request details about any international transfers that affect your data, including the countries involved and the safeguards we've implemented to protect your information.

Cookies and Tracking Technologies

We use cookies and similar technologies to improve your experience on our platform. These help us remember your preferences, provide personalised content, and analyse how our budgeting tools are used.

Essential cookies are necessary for core functionality like logging into your account and maintaining security. Analytics cookies help us understand which features are most helpful so we can improve our educational content. Preference cookies remember your settings to personalise your experience.

You can control cookie settings through your browser or our cookie preferences centre. Blocking certain cookies may affect some features, but core budgeting functionality will remain available.

Changes to This Policy

We review this privacy policy regularly to ensure it remains current with our practices and legal requirements. Any significant changes will be communicated clearly before they take effect.

We'll notify you of important changes through your account dashboard and via email if the changes affect how we handle your information. For minor updates that don't change your rights or our practices, we'll update the "last modified" date at the top of this policy.

Previous versions of this policy are available upon request if you need to review historical data handling practices.