Privacy Policy
Last updated:1. Introduction
Welcome to plan/ria. These Terms and Conditions ("Terms") govern your use of the plan/ria platform, mobile application, and related services (collectively, the "Service"). By accessing or using our Service, you agree to be bound by these Terms. plan/ria is operated by Planria UK Limited ("we", "us", "our"), a company registered in England and Wales (Company Number: [COMPANY NUMBER]) with our registered office at [ADDRESS].2. Definitions
- Account means your individual plan/ria account.
- Relationship means a connection between two or more Account holders who have agreed to safely share financial information.
- Partner means another Account holder with whom you have established a Relationship.
- Open Banking means the regulated framework allowing third-party providers to access banking data with user consent.
- Personal Data has the meaning given in the UK General Data Protection Regulation (GDPR).
3. Information We Collect
3.1. Personal information
When you create an account on the Platform, we may collect the following information:- given name and forenames
- email address
- phone number
- password
- which is encrypted and stored by our Authentication Provider.
3.2. Payment information
When you make a payment on the Platform, we may collect the following information:- payment method
- payment amount
- which is processed by our Payment Provider.
3.3. Billing information
When you make a payment on the Platform, we may collect the following information:- billing address
- billing name
- billing email address
- billing phone number
- which is processed by our Payment Provider.
3.4. Financial information
When you connect your bank accounts through our Financial Data Provider, we may collect and process the following information:- account balances
- transaction history
- account numbers
- account types
- bank institution details
- account holder information
- other account metadata
3.5. Analytics information
We may collect information about your use of the Platform, including:- IP address
- browser type
- operating system
- pages viewed
- time spent on pages
- clicks
- referrals
- errors
- other usage data
3.6. Location information
We may collect information about your location, including:- IP address
- country
- region
- city
- latitude
- longitude
3.7. Optional information
Not all of the information above is required for you to use the Platform, nor is it used for any purpose other than to improve the Platform and your experience.3.8. Data collection disclaimer
Not all information as described above may be collected.3.9. Data sharing policy
We do not sell your information to third parties, nor do we share your information with third parties for marketing or targeting advertising purposes.4. Data Protection and Privacy
4.1. Data Controller
We are the data controller for Personal Data processed through plan/ria. Our privacy practices are detailed in our Privacy Policy, which forms part of these Terms. You may visit our Privacy Policy to learn more.4.2. Your Data Rights
Under the United Kingdom's General Data Protection Regulation (GDPR), you have the right to:- Access your Personal Data
- Rectify inaccurate Personal Data
- Erase your Personal Data
- Restrict processing of your Personal Data
- Data portability
- Object to processing
- Withdraw consent at any time
4.3. Data Residency
Your data is stored on servers located in the United Kingdom to ensure compliance with the laws and regulations of the United Kingdom that regulate data protection and data privacy.4.4. Data Sharing
When you establish a Relationship with a Partner:- You consent to share your Personal Data with your Partner
- You understand that your Partner may process your Personal Data according to their privacy settings
- You acknowledge that your Partner is responsible for their own privacy practices and data handling