At PensionFlow ("we", "our", or "us"), we are committed to protecting and respecting your privacy. This policy explains how we collect, use, and process your personal data when you use our website and services (the "Platform").

1. Data We Collect

We may collect and process the following data about you:

Identity Data: Name, age, email address, password hash.
Financial Data: Pension provider names, estimated pot values, retirement goals, salary information.
Technical Data: Internet Protocol (IP) address, login data, browser type and version, time zone setting, and operating system.
Compliance Data: To comply with legal obligations, we record the timestamp and IP address when you accept our Terms of Service.

2. How We Use Your Data

We use your data to:

Provide you with our pension tracing and simulation services.
Verify your identity and prevent fraud.
Improve our Platform using aggregated, anonymous usage data (via Google Analytics, only with your consent).
Comply with legal and regulatory obligations.

3. Cookies and Tracking

We use cookies to distinguish you from other users of our Platform. We use strictly necessary cookies for security and session management. Analytics cookies (Google Analytics) are optional and disabled by default until you provide consent.

4. Data Security

We have implemented robust security measures to prevent your personal data from being accidentally lost, used, or accessed in an unauthorized way. We limit access to your personal data to those employees, agents, contractors, and other third parties who have a business need to know.

5. Your Rights (GDPR)

Under the UK General Data Protection Regulation (UK GDPR), you have the right to:

Request access to your personal data.
Request correction of your personal data.
Request erasure of your personal data ("Right to be Forgotten").
Withdraw consent at any time.

6. Contact Us

If you have any questions about this privacy policy or our privacy practices, please contact us at: support-mail@mypensionflow.com.