Privacy Policy

At FiscalFlow, we respect your privacy and are committed to protecting your personal data. This privacy policy will inform you as to how we look after your personal data when you visit our website and tell you about your privacy rights and how the law protects you.

1. Data Controller

FiscalFlow is the data controller of your personal information. We are registered in Ireland and comply with the General Data Protection Regulation (GDPR) and other applicable data protection laws.

2. Personal Data We Collect

We may collect, use, store and transfer different kinds of personal data about you which we have grouped together follows:

Identity Data

• First name, last name, username or similar identifier
• Title, date of birth, gender

Contact Data

• Email address
• Telephone numbers

Technical Data

• Internet protocol (IP) address
• Your browser type and version
• Time zone setting and location
• Operating system and platform
• Other technology on the devices you use to access this website

Financial Data

• Bank account details (where provided for budget allocation services)
• Payment card information (processed securely via third-party payment processors)
• Income and expenditure data (entered for budget planning)

3. How We Collect Your Personal Data

We collect data about you through the following methods:

• Direct Interactions: You may give us your Identity, Contact and Financial data by filling in forms or by corresponding with us via post, phone, email or otherwise. This includes personal data you provide when you:
• Create an account on our website
• Subscribe to our service or publications
• Request marketing to be sent to you
• Complete a survey or provide feedback
• Automated Technologies: As you interact with our website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions and patterns.
• Cookies: For details on the cookies we use, please see our Cookies Policy.

4. How We Use Your Personal Data

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

1. To perform our contract: We process your data to provide our financial literacy and budget allocation services.
2. To comply with a legal obligation: We may process your data to comply with tax or anti-money laundering laws.
3. Where it is necessary for our legitimate interests: We may process your data to administer our business, protect our security, prevent fraud, or for research and development.
4. Where you have given us consent: We may process your data for marketing purposes if you have given us specific consent.

Marketing

We strive to provide you with choices regarding certain personal data uses, particularly around marketing and advertising. We do not sell your personal data to third parties for marketing purposes.

5. Data Security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.

We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

6. Data Retention

We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.

To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.

7. Your Legal Rights

Under certain circumstances, you have rights under data protection laws in relation to your personal data including the right to:

• Request access to your personal data (commonly known as a "data subject access request"). This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it.
• Request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.
• Request erasure of your personal data. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it.
• Object to processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground.
• Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of personal data about you.
• Request transfer of your personal data to you or a third party.
• Withdraw consent at any time where we are relying on consent to process your personal data.

8. Third-Party Services

We may employ third-party companies and services to facilitate our Website, such as hosting, analytics, and payment processing. These third parties have access to your Personal Data only to perform specific tasks on our behalf and are obligated not to disclose or use it for any other purpose.

9. International Transfers

Your data will primarily be processed within the European Economic Area (EEA). Where we transfer your data outside the EEA, we ensure a similar degree of protection is afforded to it by ensuring at least one of the following safeguards is implemented:

• We will only transfer your personal data to countries that have been deemed to provide an adequate level of protection for personal data by the European Commission.
• Where we use certain service providers, we may use specific contracts approved by the European Commission which give personal data the same protection it has in Europe.

10. Children's Privacy

Our services are not intended for individuals under the age of 16. We do not knowingly collect personally identifiable information from children under 16. If you are a parent or guardian and you are aware that your child has provided us with personal data, please contact us.

11. Changes to the Privacy Policy

We may update our privacy policy from time to time. We will notify you of any changes by posting the new privacy policy on this page. You are advised to review this privacy policy periodically for any changes. Changes to this privacy policy are effective when they are posted on this page.

12. Contact Us

If you have any questions about this privacy policy, please contact our Data Protection Officer using the details provided below: