Privacy Policy

This Privacy Policy is a general draft template and should be reviewed by a qualified legal professional before publication, to ensure it reflects Pennymoor's actual data practices and complies with applicable law in the jurisdictions where Pennymoor operates.

1. Who We Are

Pennymoor ("we", "us", "our") provides AI-powered portfolio analysis and risk management tools for individual investors. This policy applies to information collected through our website, applications, and related services (together, the "Service").

2. Information We Collect

We may collect the following categories of information when you use the Service:

• Account details (name, email, password)
• Portfolio and financial data you input
• Billing and payment information
• Device and browser information
• Usage data and analytics
• Cookies and similar tracking technologies
• Communications with our support team
• Information from third-party integrations you connect

3. How We Use Your Information

We use collected information to:

• Provide and operate the Service
• Generate portfolio analysis and risk reports
• Process payments and manage subscriptions
• Respond to support requests
• Improve and develop new features
• Send service-related communications
• Detect and prevent fraud or misuse
• Comply with legal obligations

4. Legal Basis for Processing

Where applicable law requires a legal basis for processing personal data, we rely on one or more of the following: performance of a contract with you, your consent, our legitimate interests in operating and improving the Service, and compliance with legal obligations.

5. How We Share Information

We do not sell your personal information. We may share information with:

• Service providers who support our operations (e.g., hosting, payment processing)
• Professional advisors where necessary
• Regulators or authorities where required by law
• Successors in the event of a merger, acquisition, or asset sale

Any third parties who process data on our behalf are required to maintain appropriate confidentiality and security standards.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to operate the Service, remember preferences, and understand how the Service is used. You can control cookies through your browser settings, though disabling certain cookies may affect functionality. [Insert details of specific cookie categories and a link to a cookie preference centre if applicable.]

7. Data Retention

We retain personal information for as long as necessary to provide the Service, comply with legal obligations, resolve disputes, and enforce our agreements. Retention periods vary depending on the type of data and the purpose for which it was collected. [Insert specific retention periods where known.]

8. Data Security

We implement reasonable technical and organisational measures designed to protect your information against unauthorised access, loss, or misuse. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

9. International Data Transfers

Your information may be processed or stored in countries other than your own. Where we transfer personal data internationally, we aim to ensure appropriate safeguards are in place as required by applicable law. [Insert specific transfer mechanisms, e.g., standard contractual clauses, if applicable.]

10. Your Rights

Depending on your jurisdiction, you may have rights to access, correct, delete, or restrict the use of your personal information, to object to certain processing, and to request portability of your data. You may also have the right to withdraw consent where processing is based on consent, and to lodge a complaint with a supervisory authority. To exercise any of these rights, please contact us using the details on our Contact page.

11. Children's Privacy

The Service is not intended for individuals under the age of 18, and we do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so we can take appropriate action.

12. Third-Party Links and Services

The Service may contain links to third-party websites or integrate with third-party services. We are not responsible for the privacy practices of those third parties, and we encourage you to review their privacy policies separately.

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will post the revised policy with an updated effective date, and material changes may be communicated through the Service or by other means.

14. Contact Us

If you have questions about this Privacy Policy or how we handle your information, please get in touch via our Contact page.

Note: This page is a general-purpose template provided for structural guidance only. It does not constitute legal advice and should be customised and reviewed by a qualified professional to reflect Pennymoor's specific practices and the applicable laws of the relevant jurisdiction(s).