Privacy Policy - ACU Finance Platform

1. Introduction

ACU Finance Platform ("we," "us," or "our") is committed to protecting your privacy and the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services.

We encourage you to read this Privacy Policy carefully to understand our practices regarding your personal data. By accessing or using our services, you acknowledge that you have read and understood this Privacy Policy.

2. Information We Collect

2.1 Personal Information

We may collect the following personal information:

Contact information: name, email address, phone number, and mailing address
Account information: login credentials, account preferences, and transaction history
Financial information: banking details, credit information, and investment preferences (when you use our financial services)
Identity verification information: date of birth, government-issued ID numbers, and other documentation required to comply with regulatory requirements
Communication records: emails, chat messages, and phone call recordings when you interact with our customer service

2.2 Automatically Collected Information

When you visit our website, we automatically collect certain information about your device and usage patterns, including:

Technical information: IP address, browser type and version, operating system, and device information
Usage information: pages visited, time spent on pages, links clicked, and navigation patterns
Location information: general geographic location based on IP address
Cookies and similar technologies: as described in our Cookie Policy section

3. How We Collect Your Information

We collect information through various channels, including:

Direct interactions: when you create an account, fill out forms, correspond with us, or use our services
Automated technologies: through cookies, server logs, and other tracking technologies when you navigate our website
Third parties: we may receive information from business partners, credit reference agencies, and fraud prevention services
Public sources: information available in public records or other publicly available sources

4. How We Use Your Information

We use your personal information for the following purposes:

To provide and maintain our services, including processing transactions and managing your accounts
To verify your identity and prevent fraud in compliance with financial regulations
To personalize your experience and offer products and services that may interest you
To communicate with you, respond to inquiries, and provide customer support
To improve our website, products, and services through analysis of usage patterns
To comply with legal obligations, including anti-money laundering regulations
To protect our rights, your safety, and the safety of others

5. Legal Basis for Processing

We process your personal information based on the following legal grounds:

Contractual necessity: to perform our contractual obligations to you, including providing our financial services
Legitimate interests: to pursue our legitimate business interests in a way that does not override your rights
Legal obligation: to comply with applicable laws and regulations, particularly financial and tax regulations
Consent: where you have given us specific consent to process your data for particular purposes

6. Information Sharing and Disclosure

We may share your personal information with the following categories of recipients:

Service providers: third-party companies that perform services on our behalf, such as payment processing, data analysis, and IT support
Financial partners: banks, credit bureaus, and other financial institutions necessary to provide our services
Regulatory authorities: government bodies, law enforcement agencies, and regulatory authorities as required by law
Business partners: trusted partners with whom we jointly offer services or promotions
Professional advisors: including lawyers, auditors, and insurers who provide consultancy, banking, legal, insurance, and accounting services

We require all third parties to respect the security of your personal information and to treat it in accordance with applicable laws. We do not allow our third-party service providers to use your personal data for their own purposes.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which we collected it, including to satisfy any legal, accounting, or reporting requirements. In determining appropriate retention periods, we consider:

The amount, nature, and sensitivity of the personal information
The potential risk of harm from unauthorized use or disclosure
The purposes for which we process your personal information
Applicable legal requirements, particularly under financial regulations

For financial services, we are typically required to retain certain information for a minimum of seven years after the end of our relationship with you.

8. Data Security

We have implemented appropriate security measures to prevent your personal information from being accidentally lost, used, or accessed in an unauthorized way. These measures include:

Encryption of sensitive data both in transit and at rest
Secure access controls and authentication procedures
Regular security assessments and vulnerability testing
Employee training on data protection practices
Physical security measures at our facilities

While we strive to protect your personal information, no security system is impenetrable. We cannot guarantee the absolute security of your data transmitted over the internet.

9. Cookie Policy

We use cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and personalize content. Cookies are small files that a site or its service provider transfers to your device's hard drive through your web browser that enables the site to recognize your browser and capture and remember certain information.

We use the following types of cookies:

Essential cookies: necessary for the website to function properly
Analytical/performance cookies: allow us to recognize and count visitors and analyze how users navigate our website
Functionality cookies: used to recognize you when you return to our website and personalize content
Targeting cookies: record your visit to our website, the pages you have visited, and the links you have followed to deliver relevant advertisements

You can control cookies through your browser settings and the cookie consent tool on our website. However, disabling certain cookies may affect the functionality of our website.

10. Your Privacy Rights

Depending on your jurisdiction, you may have various rights regarding your personal information, which may include:

Right to access: You can request copies of your personal information that we hold.
Right to rectification: You can request that we correct any information you believe is inaccurate or complete information you believe is incomplete.
Right to erasure: You can request that we erase your personal information under certain conditions.
Right to restrict processing: You can request that we restrict the processing of your personal information under certain conditions.
Right to data portability: You can request that we transfer the data we have collected to another organization or directly to you under certain conditions.
Right to object: You can object to our processing of your personal information under certain conditions.

If you wish to exercise any of these rights, please contact us using the details provided in the "Contact Us" section. We may need to verify your identity before responding to your request.

11. International Data Transfers

We may transfer, store, and process your personal information in countries other than your country of residence. Whenever we transfer your personal information internationally, we take appropriate safeguards to ensure your information receives an adequate level of protection.

These safeguards may include data transfer agreements incorporating standard data protection clauses approved by relevant authorities, or ensuring that recipients are certified under appropriate privacy frameworks.

12. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child without parental consent, we will take steps to remove that information from our servers.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. The updated version will be indicated by an updated "Last Updated" date at the top of this Privacy Policy.

We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information. Your continued use of our services after any modifications indicates your acceptance of the updated Privacy Policy.

14. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

ACU Finance Platform
7 Ray Walks Ashleyside
BT60 3QU
Phone: +448255674204
Email: [email protected]

We will respond to your inquiry as soon as possible and within the timeframe required by applicable law.