Privacy Policy
Your privacy matters to us. This policy explains how Learnthryvira collects, uses, and protects your personal information when you use our debt management platform.
Introduction
At Learnthryvira, we understand that managing your finances requires trust. When you share your financial information with us, you're placing confidence in our ability to keep it secure and use it responsibly. This privacy policy outlines exactly how we handle your data, what rights you have, and how we protect your information throughout your journey with our platform.
We operate under UK data protection laws, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. Our commitment goes beyond legal compliance – we believe in transparency and giving you complete control over your personal information.
Information We Collect
Personal Information
We collect information that you provide directly to us when creating your account and using our services. This includes your name, email address, phone number, and postal address. We also collect financial information necessary for debt management, including details about your debts, income, expenses, and financial goals.
Usage Information
We automatically collect information about how you interact with our platform. This includes your IP address, browser type, device information, pages visited, time spent on our site, and the actions you take within our platform. We use this data to improve our services and ensure platform security.
Financial Data Security: All financial information is encrypted using industry-standard AES-256 encryption both in transit and at rest. We never store complete bank account numbers or sensitive payment information on our servers.
| Data Type | Purpose | Retention Period |
|---|---|---|
| Account Information | Service provision and account management | Duration of account plus 7 years |
| Financial Data | Debt analysis and management recommendations | Duration of service plus 6 years |
| Usage Analytics | Platform improvement and security | 2 years from collection |
| Communication Records | Customer support and service improvement | 3 years from last contact |
How We Use Your Information
Your information serves specific purposes that directly benefit your experience with Learnthryvira. We use your financial data to create personalized debt management strategies, track your progress, and provide tailored recommendations. Your contact information allows us to communicate important updates about your account and send educational content about debt management.
- Provide and maintain our debt management services
- Create personalized financial strategies and recommendations
- Process payments and manage your account
- Send service-related communications and important updates
- Provide customer support and respond to your inquiries
- Improve our platform based on usage patterns and feedback
- Detect and prevent fraud and ensure platform security
- Comply with legal obligations and regulatory requirements
Account Creation
We verify your identity and set up secure access to our platform using your provided information.
Financial Analysis
Your financial data is analyzed to create customized debt management strategies and track progress.
Ongoing Support
We use your information to provide continuous support and adjust strategies as your situation changes.
Information Sharing and Disclosure
We do not sell, rent, or trade your personal information to third parties. However, there are specific circumstances where we may share your information, always with appropriate safeguards and only when necessary for providing our services or meeting legal obligations.
Service Providers
We work with trusted third-party service providers who help us operate our platform. These include cloud hosting providers, payment processors, and customer support tools. All service providers are bound by strict confidentiality agreements and can only use your information for the specific services they provide to us.
Legal Requirements
We may disclose your information when required by law, such as in response to court orders, legal processes, or regulatory requests. We may also share information to protect our rights, prevent fraud, or ensure the safety of our users and the public.
No Marketing Partnerships: We never share your financial information with marketing companies or use it for advertising purposes. Your debt management data stays within our secure platform and authorized service providers only.
Your Rights and Choices
Under UK data protection law, you have significant rights regarding your personal information. We're committed to making these rights easy to exercise and will respond to your requests promptly and transparently.
Right to Access
You can request a copy of all personal information we hold about you, including how we use it and who we share it with.
Right to Rectification
You can ask us to correct any inaccurate or incomplete personal information we have about you.
Right to Erasure
You can request deletion of your personal information when it's no longer necessary for our services or you withdraw consent.
Right to Portability
You can request your personal information in a structured, machine-readable format to transfer to another service.
Right to Object
You can object to certain types of processing, including direct marketing and automated decision-making.
Right to Restrict
You can ask us to limit how we use your information while we resolve disputes about accuracy or processing.
To exercise any of these rights, contact us using the information provided below. We'll respond within one month and provide clear information about any actions we've taken. If you're not satisfied with our response, you have the right to lodge a complaint with the Information Commissioner's Office (ICO).
Data Security Measures
Protecting your financial information is our top priority. We employ multiple layers of security to safeguard your data against unauthorized access, alteration, disclosure, or destruction. Our security measures include both technical and organizational safeguards designed to protect your information throughout its lifecycle on our platform.
Technical Safeguards
- AES-256 encryption for all data transmission and storage
- Multi-factor authentication for account access
- Regular security audits and penetration testing
- Automated monitoring for suspicious activities
- Secure backup systems with encrypted storage
- Regular software updates and security patches
Organizational Safeguards
- Access controls limiting staff access to necessary information only
- Regular security training for all employees
- Incident response procedures for potential security breaches
- Background checks for employees with access to personal data
- Regular review and update of security policies
Breach Notification: In the unlikely event of a data breach affecting your personal information, we will notify you within 72 hours of discovering the breach, along with details about what happened and steps we're taking to resolve it.
International Data Transfers
Your personal information is primarily processed and stored within the United Kingdom. However, some of our trusted service providers may be located outside the UK. When we transfer your information internationally, we ensure appropriate safeguards are in place to protect your data.
For transfers to countries without adequate data protection laws, we use Standard Contractual Clauses approved by the UK authorities or ensure the recipient has appropriate certification. We regularly review these arrangements to ensure they continue to provide adequate protection for your information.
Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience on our platform. Essential cookies are necessary for the platform to function properly, including maintaining your login session and security features. Analytics cookies help us understand how you use our platform so we can improve it.
You can control cookie settings through your browser preferences. However, disabling essential cookies may affect the functionality of our platform. We do not use tracking cookies for advertising purposes or share cookie data with third parties for marketing.
Children's Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child without proper consent, we will delete that information immediately. Parents or guardians who believe their child has provided personal information to us should contact us immediately.
Changes to This Policy
We may update this privacy policy periodically to reflect changes in our practices, services, or legal requirements. When we make significant changes, we will notify you through your registered email address or by posting a prominent notice on our platform. We encourage you to review this policy regularly to stay informed about how we protect your information.
Changes to this policy will take effect 30 days after notification, giving you time to review the updates and contact us with any questions or concerns. Your continued use of our services after the effective date constitutes acceptance of the updated policy.
Contact Us About Privacy
If you have questions about this privacy policy or how we handle your personal information, please contact us:
Email: [email protected]
Phone: +441782312112
Address: 25 Crookings Ln, Penwortham, Preston PR1 0HU, United Kingdom
We aim to respond to all privacy-related inquiries within 5 business days.