Privacy Policy

Information We Collect

nivoraquelis collects various types of information to provide you with our budget risk management services and enhance your experience on our platform. We gather this information through different methods and sources.

When you create an account with nivoraquelis, we collect basic identification information including your name, email address, and chosen password. If you contact our support team, we may collect additional information from your communications to help resolve your inquiry effectively.

• Contact information provided during account registration or communication
• Financial data you input into our budget risk management tools
• Cookies and tracking technologies that help us understand site usage
• Device and browser information collected automatically during visits
• Communications you send to us through various channels

How We Use Your Information

Your information enables us to deliver personalised budget risk management services and maintain the security of our platform. We process your data for specific, legitimate purposes that benefit both you and our service quality.

We use collected information to operate our platform, provide customer support, send important service notifications, and improve our risk management algorithms. Your financial data helps us generate personalised insights and recommendations for better budget management.

Data Sharing and Third Parties

nivoraquelis does not sell your personal information to third parties. We only share your data in specific circumstances that are necessary for service provision or legally required.

We work with trusted service providers who help us operate our platform, process payments, and provide customer support. These partners are contractually obligated to protect your information and can only use it for specified purposes.

• Cloud hosting providers for secure data storage and platform operation
• Payment processors for handling subscription payments and billing
• Email service providers for sending account notifications and updates
• Analytics services to understand platform usage and improve functionality
• Legal authorities when required by law or to protect our rights and users

All third-party service providers we work with must comply with UK and EU data protection standards. We ensure they have appropriate safeguards in place before sharing any personal information.

Your Rights and Choices

Under UK data protection law (UK GDPR), you have several important rights regarding your personal information. We're committed to helping you exercise these rights effectively.

To exercise any of these rights, contact us using the information provided at the end of this policy. We'll respond to your request within one month, though complex requests may take up to three months with appropriate notification.

If you're not satisfied with how we handle your data or respond to your rights requests, you have the right to lodge a complaint with the Information Commissioner's Office (ICO), the UK's data protection regulator.

Data Security and Protection

We implement comprehensive security measures to protect your personal and financial information from unauthorised access, alteration, disclosure, or destruction.

• End-to-end encryption for all data transmission and storage
• Regular security audits and vulnerability assessments
• Multi-factor authentication for account access
• Secure cloud hosting with redundant backup systems
• Staff training on data protection and security best practices
• Access controls limiting who can view your information

Our platform uses industry-standard SSL/TLS encryption to protect data during transmission. All stored data is encrypted using AES-256 encryption, and we maintain regular security monitoring to detect and respond to potential threats.

In the unlikely event of a data breach that poses a risk to your rights and freedoms, we'll notify you and the relevant authorities within 72 hours as required by UK data protection law.

Data Retention

We retain your personal information only as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements.

You can request earlier deletion of your data by contacting us, though we may need to retain some information for legal compliance purposes. We'll explain what can be deleted and what must be retained when you make such a request.

Cookies and Tracking

nivoraquelis uses cookies and similar tracking technologies to enhance your browsing experience, analyse platform usage, and provide personalised features.

You can control cookie settings through your browser preferences or our cookie consent manager. Disabling certain cookies may affect platform functionality, but essential cookies necessary for security and basic operations will remain active.

We also use web beacons and similar technologies in our email communications to understand engagement rates and improve our content. You can disable image loading in your email client to prevent these tracking mechanisms.

International Transfers

While nivoraquelis primarily operates within the UK, some of our service providers may process your information in other countries. We ensure all international transfers meet UK data protection standards.

When transferring data outside the UK, we use appropriate safeguards such as Standard Contractual Clauses approved by UK authorities or ensure the recipient country has been deemed to provide adequate protection for personal data.

• Cloud storage providers operating in EU countries with adequacy decisions
• Analytics services with appropriate data processing agreements
• Customer support tools that may process data in secure international data centres

Changes to This Policy

nivoraquelis may update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. We'll notify you of significant changes through email or prominent notices on our platform.

Minor updates that don't materially affect your rights may be made without direct notification, though we'll always update the "Last Updated" date at the top of this policy. We encourage you to review this policy regularly to stay informed about how we protect your information.

If we make changes that significantly impact how we use your personal information, we'll seek your consent where required by law and provide clear information about the changes and your choices.