Who We Are

dexmorialva operates from our office at 1 Riverside Building, New Bailey St, Salford M3 5FS, United Kingdom. We're a financial planning service focused on helping people create realistic, multi-year budget plans. We're registered under UK law and comply with the Data Protection Act 2018 and UK GDPR.

When we say "we," "us," or "our" in this policy, we mean dexmorialva and the team working to provide this service. "You" means anyone using our website or services.

What Information We Collect

The information we collect depends on how you interact with us. Here's what we gather and why it matters.

Information You Give Us Directly

When you create an account or contact us, you provide:

• Your name and email address
• Phone number if you choose to provide it
• Financial information you input into budget planning tools
• Any messages you send through contact forms or email
• Payment information when you subscribe to premium features

Information We Collect Automatically

Like most websites, we collect some technical data when you visit:

• Your IP address and general location (city level, not your exact address)
• Browser type and device information
• Pages you visit and how long you spend on them
• How you found our site (search engine, direct link, etc.)
• Date and time of your visits

We use cookies and similar technologies for this. You can control cookies through your browser settings, though some features might not work properly if you disable them entirely.

How We Use Your Information

We're not in the business of selling data or bombarding you with irrelevant marketing. Here's what we actually do with your information:

• Improving our service based on how people use the platform
• Troubleshooting technical issues when they arise
• Preventing fraud and maintaining security
• Complying with legal obligations (more on that below)
• Analyzing usage patterns to understand what features are helpful

Legal Basis for Processing

UK GDPR requires us to have a lawful reason for processing your data. Here's where we stand:

For some activities, we rely on legitimate interests (like improving our service or preventing fraud). When we do this, we've carefully balanced our interests against your privacy rights.

For marketing communications, we only send them if you've explicitly opted in. That's your consent, and you can withdraw it whenever you want.

Sharing Your Information

We don't sell your data. Full stop. But we do share information in specific circumstances:

Service Providers

We work with companies that help us run the service. This includes:

• Cloud hosting providers who store our data securely
• Payment processors who handle subscription payments
• Email service providers for account communications
• Analytics tools that help us understand how the site is used

These companies are contractually bound to protect your data and can only use it to provide services to us. They can't use your information for their own purposes.

Legal Requirements

Sometimes we're legally required to share information with authorities. This might happen if there's a court order, regulatory investigation, or valid law enforcement request.

We'd only disclose what's legally necessary and would challenge overly broad requests where appropriate.

Business Transfers

If dexmorialva is acquired or merged with another company, your data would likely transfer as part of that transaction. You'd be notified if this happens, and the new entity would still be bound by this privacy policy until they provide notice of any changes.

Your Rights Under UK Law

UK data protection law gives you significant control over your personal information. These aren't just theoretical rights. We've built processes to handle these requests properly.

To exercise any of these rights, contact us at support@dexmorialva.com. We'll verify your identity before processing requests (to prevent unauthorized access to your data) and respond within 30 days. If we need more time, we'll let you know why.

How We Protect Your Data

Financial data deserves serious protection. Here's what we do:

• All data is encrypted in transit using TLS 1.3 and at rest using AES-256 encryption
• Access to personal data is restricted to employees who need it for their job
• We use multi-factor authentication for all team access to systems
• Regular security audits and penetration testing by external specialists
• Automated monitoring for suspicious access patterns or potential breaches
• Regular backups stored in separate secure locations
• Incident response procedures if something goes wrong

How Long We Keep Your Data

We don't keep data longer than necessary. Here are our retention periods:

• Active account data is kept while your account remains open
• After account closure, most data is deleted within 90 days
• Financial records required for tax purposes are kept for six years
• Marketing consent records are kept until you withdraw consent, then deleted
• Technical logs are typically kept for 12 months for security purposes
• Anonymized analytics data (stripped of personal identifiers) may be kept longer

If you haven't logged in for two years, we'll send reminders before eventually closing your account and deleting your data according to the schedule above.

International Data Transfers

Your data is primarily stored on servers in the United Kingdom. Some of our service providers operate internationally, which might involve transfers to countries outside the UK.

When this happens, we ensure appropriate safeguards are in place. This typically means standard contractual clauses approved by UK authorities or transfers to countries with adequacy decisions recognizing their data protection standards.

If you'd like specific information about where your data is processed, contact us and we'll provide details.

Cookies and Tracking

We use cookies, but we're not tracking you across the internet or building detailed profiles for advertisers.

Essential Cookies

These keep the site working. They remember you're logged in and maintain your session. Without them, you'd have to log in on every page. We don't need consent for these because they're necessary for the service.

Analytics Cookies

We use analytics to understand how people use the site. This helps us spot problems and improve features. We've configured these tools to anonymize IP addresses and respect "Do Not Track" signals where possible.

Your Cookie Choices

When you first visit, you'll see a cookie notice. You can accept or decline non-essential cookies. You can also change your mind later through your browser settings or our cookie preference center.

Children's Privacy

Our service isn't designed for anyone under 18. We don't knowingly collect data from children. If you're a parent who discovers your child has created an account, contact us and we'll delete it promptly.

Budget planning involves financial decisions that minors shouldn't be making independently anyway. If you're under 18 and interested in financial planning, we'd encourage working with a parent or guardian.

Changes to This Policy

We'll update this policy occasionally. When we make significant changes, we'll notify you by email (if you have an account) and display a prominent notice on the website.

Minor updates (like adding a new service provider or clarifying existing practices) might not trigger notifications. The "Last Updated" date at the top shows when changes were last made.

Continuing to use our service after changes take effect means you accept the updated policy. If you disagree with changes, you can close your account.

Complaints and Concerns

If you're unhappy about how we've handled your data, please tell us first. We'd like the chance to fix problems directly.

You also have the right to complain to the Information Commissioner's Office, the UK's data protection regulator. You can contact them at ico.org.uk or call their helpline on 0303 123 1113.

We'd prefer to resolve issues directly, but you're entitled to raise concerns with the regulator at any time.