Privacy Policy
Last Updated: January 15, 2025
1 Introduction
osmeranthiq ("we," "our," or "us") operates osmeranthiq.com and provides emergency fund planning services to individuals across the United Kingdom. This privacy policy explains how we collect, use, store, and protect your personal information when you interact with our platform, services, and educational resources.
We take your privacy seriously and are committed to protecting your personal data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. This policy applies to all users of our services, whether you're browsing our website, participating in our learning programs, or engaging with our financial planning tools.
By using our services, you acknowledge that you have read and understood this privacy policy and consent to the collection and processing of your personal data as described herein.
2 Information We Collect
We collect various types of information to provide and improve our emergency fund planning services. The information we gather falls into several categories, each serving specific purposes in delivering personalized financial guidance and educational content.
Personal Information You Provide
- Name, email address, and contact details when you register for an account
- Financial information including income, expenses, and current savings when using our planning tools
- Demographic information such as age, employment status, and location for personalized recommendations
- Communication preferences and feedback when you contact our support team
- Educational background and financial goals when participating in learning programs
Automatically Collected Information
| Information Type | Examples | Purpose |
|---|---|---|
| Technical Data | IP address, browser type, device information | Security and system optimization |
| Usage Data | Pages visited, time spent, click patterns | Service improvement and personalization |
| Location Data | General geographic location (city/region level) | Relevant content and regulatory compliance |
3 How We Use Your Information
Your personal information enables us to provide comprehensive emergency fund planning services tailored to your specific financial situation. We process your data based on legitimate interests, contractual obligations, and your explicit consent where required.
Service Delivery
Creating personalized emergency fund strategies, providing educational content recommendations, and delivering account management services.
Communication
Sending important updates about your account, responding to inquiries, and providing customer support when needed.
Improvement
Analyzing usage patterns to enhance our platform, developing new features, and improving user experience based on feedback.
Legal Compliance
Meeting regulatory requirements, preventing fraud, maintaining security, and fulfilling legal obligations under UK financial regulations.
4 Data Sharing and Third Parties
We maintain strict controls over data sharing and only work with trusted partners who meet our security and privacy standards. Your personal information is never sold to third parties, and we limit sharing to specific circumstances that directly benefit your experience or fulfill legal requirements.
Authorized Data Sharing
- Service providers who help deliver our educational content and platform functionality
- Payment processors for secure transaction handling (when applicable)
- Analytics partners to understand user behavior and improve our services
- Legal authorities when required by law or to protect our users' safety
- Business partners for joint educational programs (with your explicit consent)
All third-party partners are required to sign data processing agreements and maintain equivalent privacy protections. We regularly audit these relationships to ensure compliance with UK data protection standards.
5 Data Security and Protection
Protecting your financial and personal information is fundamental to our operations. We employ multiple layers of security measures, including encryption, access controls, and regular security audits to safeguard your data against unauthorized access, alteration, or disclosure.
Technical Safeguards
- Industry-standard SSL/TLS encryption for all data transmission
- Advanced firewall protection and intrusion detection systems
- Regular security vulnerability assessments and penetration testing
- Secure data centers with physical access controls and monitoring
- Encrypted data storage with regular backup procedures
- Multi-factor authentication for administrative access
Administrative Safeguards
- Comprehensive staff training on data protection and privacy practices
- Strict access controls limiting data access to authorized personnel only
- Regular privacy impact assessments for new features and processes
- Incident response procedures for potential security breaches
- Annual third-party security audits and compliance reviews
6 Your Rights and Control
Under UK GDPR, you have significant rights regarding your personal data. We've designed our systems to make it easy for you to exercise these rights and maintain control over your information. You can access, modify, or delete your data at any time through your account settings or by contacting our support team.
Access Right
Request a complete copy of all personal data we hold about you, including how it's being used and who it's shared with.
Rectification Right
Correct any inaccurate or incomplete personal information in your account or request that we update outdated details.
Erasure Right
Request deletion of your personal data when it's no longer necessary for the purposes we collected it or withdraw your consent.
Portability Right
Receive your personal data in a structured, commonly used format that you can transfer to another service provider.
Objection Right
Object to processing of your personal data based on legitimate interests, including opting out of direct marketing communications.
Restriction Right
Request that we limit the processing of your personal data in specific circumstances while maintaining your account access.
To exercise any of these rights, contact us using the information provided below. We will respond to your request within 30 days and may ask you to verify your identity to protect your privacy.
7 Data Retention and Deletion
We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, and resolve disputes. Our retention periods are based on the nature of the data, legal requirements, and the ongoing relationship with our users.
| Data Category | Retention Period | Reason |
|---|---|---|
| Account Information | Duration of account plus 3 years | Service delivery and legal compliance |
| Financial Planning Data | Duration of account plus 7 years | UK financial regulations and audit requirements |
| Communication Records | 3 years from last interaction | Customer support and quality assurance |
| Technical Logs | 12 months | Security monitoring and system maintenance |
| Marketing Preferences | Until consent withdrawn plus 1 year | Compliance with marketing regulations |
When retention periods expire, we securely delete or anonymize your personal data using industry-standard procedures. You can request early deletion of your data by exercising your erasure rights, subject to legal and contractual obligations.
8 International Data Transfers
While we primarily operate within the United Kingdom, some of our service providers and partners may process your data in other countries. When international transfers occur, we ensure appropriate safeguards are in place to protect your personal information according to UK GDPR standards.
Transfer Safeguards
- Standard Contractual Clauses (SCCs) approved by UK authorities
- Adequacy decisions recognizing equivalent data protection standards
- Binding Corporate Rules for multinational service providers
- Regular assessments of data protection laws in destination countries
- Additional security measures for transfers to countries without adequacy decisions
You have the right to obtain information about international transfers of your data and request copies of the safeguards we have implemented. Contact us if you have specific questions about how your data is protected during international transfers.
9 Cookies and Tracking Technologies
Our website uses cookies and similar technologies to enhance your browsing experience, analyze site usage, and provide personalized content. We categorize cookies based on their function and obtain your consent for non-essential cookies through our cookie banner and preference center.
Cookie Categories
Essential Cookies
Required for basic website functionality, security, and user authentication. These cannot be disabled without affecting site performance.
Performance Cookies
Collect anonymous information about how visitors use our site to help us improve functionality and user experience.
Functional Cookies
Remember your preferences and settings to provide a more personalized experience during your visits.
Marketing Cookies
Track visitors across websites to display relevant and engaging advertisements based on your interests.
You can manage your cookie preferences at any time through your browser settings or our cookie preference center. Disabling certain cookies may limit some website features, but will not prevent you from accessing our core services.
10 Children's Privacy
Our emergency fund planning services are designed for adults aged 18 and over. We do not knowingly collect personal information from children under 18 years of age. If we become aware that we have inadvertently collected data from a minor, we will take immediate steps to delete such information from our systems.
Parents or guardians who believe their child has provided personal information to us should contact us immediately at the details provided below. We will work promptly to remove any such information and prevent future collection.
11 Changes to This Policy
We may update this privacy policy periodically to reflect changes in our practices, legal requirements, or service offerings. When significant changes occur, we will notify you through email, website notices, or other appropriate communication methods at least 30 days before the changes take effect.
Minor updates, such as clarifications or contact information changes, may be made without advance notice. We encourage you to review this policy regularly to stay informed about how we protect your privacy. The "Last Updated" date at the top of this policy indicates when the most recent changes were made.
Notification Methods
- Email notifications to your registered account address
- Prominent website banners for significant policy changes
- In-app notifications when you next log into your account
- Updated policy version with change summaries
Contact Us About Privacy
If you have questions about this privacy policy, need to exercise your data rights, or want to report a privacy concern, please contact us using any of the methods below. We aim to respond to all privacy-related inquiries within 48 hours.
Address: 86 Moorland Rd, Burslem, Stoke-on-Trent ST6 1DY, United Kingdom
Phone: +442077387483
Email: info@osmeranthiq.com
Data Protection Officer: Available through our main contact channels for privacy-specific inquiries