Privacy Policy
How we protect and manage your personal information
Introduction
varionelqust is committed to protecting your privacy and ensuring transparency about how we collect, use, and safeguard your personal information. This privacy policy explains our practices regarding personal data when you use our budget strategy platform and financial education services.
We understand that your financial information is particularly sensitive, and we've designed our data handling practices to meet the highest standards of protection while complying with UK data protection laws, including the Data Protection Act 2018 and UK GDPR.
Information We Collect
Personal Information You Provide
- Contact details including name, email address, phone number, and postal address
- Account registration information and login credentials
- Financial information necessary for budget planning and strategy development
- Communication preferences and marketing consent
- Educational background and learning objectives for our programs
- Payment information when you purchase our services
Information We Collect Automatically
- Device information, browser type, and operating system
- IP address and general location information
- Website usage patterns, page views, and session duration
- Cookies and similar tracking technologies
Financial Data Protection: We never store complete banking details or passwords. Any financial information you share is encrypted and used solely for educational purposes within our budget strategy programs.
How We Use Your Information
| Purpose | Legal Basis |
|---|---|
| Provide budget strategy services and educational content | Contract performance |
| Customer support and account management | Contract performance |
| Marketing communications (with consent) | Consent |
| Platform improvement and analytics | Legitimate interest |
| Legal compliance and fraud prevention | Legal obligation |
We personalise your learning experience by analysing your progress through our educational materials and adjusting recommendations accordingly. This helps us suggest relevant budget strategies and financial planning resources that match your specific situation.
Data Sharing and Third Parties
We share your personal information only in specific circumstances and always with appropriate safeguards:
- Service Providers: Payment processors, email service providers, and analytics platforms that help us deliver our services
- Educational Partners: Certified financial educators who deliver specialised content within our platform
- Legal Requirements: When required by law or to protect our legal rights
- Business Transfers: In the event of a merger, acquisition, or sale of assets
All third parties are carefully vetted and bound by contractual obligations to protect your data. We never sell your personal information to marketing companies or data brokers.
Your Rights
Access Your Data
Request a copy of all personal information we hold about you, including how it's being used.
Rectification
Correct any inaccurate or incomplete personal information in your account.
Erasure
Request deletion of your personal data when it's no longer necessary for our services.
Portability
Receive your personal data in a structured format or transfer it to another service provider.
Restrict Processing
Limit how we use your personal information while maintaining your account.
Object to Processing
Opt out of marketing communications or certain types of data processing.
Exercising Your Rights: To exercise any of these rights, contact us using the information below. We'll respond within one month and may request verification of your identity for security purposes.
You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) if you're unhappy with how we've handled your personal data.
Data Security and Retention
We implement comprehensive security measures to protect your personal information:
- End-to-end encryption for all sensitive financial data
- Regular security audits and vulnerability assessments
- Secure servers with access controls and monitoring
- Staff training on data protection and confidentiality
- Incident response procedures for any potential breaches
We retain your personal information only as long as necessary to provide our services and comply with legal obligations. Account information is typically retained for seven years after account closure, while marketing data is deleted within two years if you withdraw consent.
Cookies and Tracking
Our website uses cookies to improve your browsing experience and provide personalised content. We use several types of cookies:
- Essential Cookies: Required for basic website functionality and security
- Analytics Cookies: Help us understand how visitors use our website
- Preference Cookies: Remember your settings and customisations
- Marketing Cookies: Used to display relevant advertisements (with consent)
You can control cookie preferences through your browser settings, though disabling certain cookies may affect website functionality.
International Transfers
While we primarily process data within the United Kingdom, some of our service providers may be located in other countries. When we transfer personal data internationally, we ensure appropriate safeguards are in place through:
- Adequacy decisions by the UK government
- Standard contractual clauses approved by data protection authorities
- Certification schemes that demonstrate adequate protection
Changes to This Policy
We review and update this privacy policy regularly to reflect changes in our practices, technology, and legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our website at least 30 days before the changes take effect.
Minor updates for clarity or administrative purposes may be made without prior notice, but we'll always update the "Last Updated" date at the top of this policy.
Contact Us About Privacy
Our privacy team typically responds to inquiries within 48 hours during business days.