Privacy Policy

Last Updated: 08-04-2024

Your privacy is important to us. This Privacy Policy explains what information we collect when you use our financial advice app (“Flerts”), how we use that information, and the choices you have about your information.

Information We Collect

We collect the following information to provide you with the best possible experience using the App:

Information You Provide: Registration Information: When you create an account, you may provide us with certain personal information, such as your name, email address, and phone number. Document Information: You may choose to upload documents to the App for storage and reference. These documents may contain personal information. Contact Information: If you choose to contact an expert through the App, we may collect your contact information to facilitate communication. Information Collected Automatically: Usage Data: We collect information about how you use the App, such as the features you access, the time and duration of your use, and your device information. Device Information: We collect information about the device you use to access the App, such as the device type, operating system, and IP address.
How We Use Your Information

We use the information we collect to:
Provide and improve the App and its features, including generating time-based alerts and facilitating communication with experts.
Personalize your experience with the App.
Respond to your inquiries and requests.
Send you important information about the App, such as service updates and security notices.
Comply with legal and regulatory requirements.
Sharing Your Information

We will not share your personal information with third parties except in the following limited circumstances:

Service Providers: We may share your information with third-party service providers who help us operate the App, such as data storage providers and communication platforms. These service providers are contractually obligated to keep your information confidential and secure.
Legal Requirements: We may disclose your information if required by law or regulation, to comply with a subpoena or court order, or to investigate potential fraud or other wrongdoing.
With Your Consent: We may share your information with third parties with your express consent.
Security

We take reasonable steps to protect your information from unauthorized access, disclosure, alteration, or destruction. However, no internet transmission or electronic storage is completely secure. We cannot guarantee the security of your information.

Your Choices

You have choices regarding your information:

Access and Update Your Information: You can access and update your personal information through your account settings. Delete Your Account: You can delete your account at any time. Once you delete your account, we will delete your personal information, except for information we are required to retain by law.
Changes to this Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on the App.

Contact Us

If you have any questions about this Privacy Policy, please contact us at:

s.dodd@ymail.com

By using the App, you agree to this Privacy Policy.

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Taxation

Income tax is a percentage of your earnings that you pay to the government, while VAT is a tax added to the price of goods and services you buy. Income Tax is worked differently for the self employed which can be an incentive to work for yourself if you can keep more of the money you earn.

Pensions

This is in addition to the state pension which starts at retirement age. Due to compounding interest, the younger you start paying into a pension the quicker it will grow.

People commonly have different pension pots due to working through different employers with different

Insurance

Insurance protects you from potential risks and losses by transferring the financial responsibility to an insurance company in exchange for regular premium payments.

Credit Score

Managing your finances well not only gives you the best chance of being offered the loans and credit when you need it but also result in you paying less money back when you borrow.

pensions & financial planning

This is in addition to the state pension which starts at retirement age. Due to compounding interest, the younger you start paying into a pension the quicker it will grow.

People commonly have different pension pots due to working through different employers with different