1 Information We Collect

At celunovienova, we collect information that helps us provide better emergency fund planning services. This includes details you share directly with us and some technical information that helps our website work properly.

2 How We Use Your Information

We use your information exclusively to provide better emergency fund planning services and support. Here's what that looks like in practice:

• Creating personalised emergency fund strategies based on your specific financial situation
• Sending you relevant educational content about financial planning and emergency preparedness
• Responding to your questions and providing ongoing support through your financial planning journey
• Improving our website and services based on how people actually use them
• Meeting legal requirements under UK financial services regulations
• Protecting against fraud and maintaining the security of our services

3 Information Sharing and Disclosure

We keep your information private and secure. There are only a few specific situations where we might need to share certain details:

Service Providers: We work with trusted companies that help us deliver our services - like secure email systems and website hosting. These partners are carefully vetted and only receive the minimum information needed to do their job.

Legal Requirements: If UK law requires us to share information (such as responding to valid legal requests or preventing financial crimes), we'll comply while protecting your privacy as much as possible.

Business Protection: We may share information if necessary to protect our legal rights, prevent fraud, or ensure the safety of our clients and staff.

We'll never share your personal financial information with marketing companies, data brokers, or anyone else looking to profit from your details.

4 Your Rights and Control

Under UK data protection laws, you have significant control over your personal information. Here are your rights and how to exercise them:

5 Data Security and Storage

We take security seriously because your financial information deserves the highest protection. Our security measures include:

All sensitive data is encrypted both when stored on our servers and when transmitted between your device and our systems. We use industry-standard encryption protocols that banks rely on.

Access to your personal information is limited to authorised staff members who need it to provide your service. Our team receives regular training on data protection and privacy practices.

We store your information on secure servers located within the UK, ensuring it remains under British data protection laws. Regular security audits help us identify and address potential vulnerabilities.

6 Cookies and Website Technology

Our website uses cookies and similar technologies to work properly and provide you with a better experience. Here's what you should know:

Essential Cookies: These keep our website functioning and secure. They remember your login status and protect against security threats. These cookies are necessary for our site to work.

Analytics Cookies: We use these to understand how people use our website - which pages are most helpful, where people encounter problems, and how we can improve the experience.

Preference Cookies: These remember your choices (like text size or language preferences) so you don't have to reset them each visit.

You can control cookies through your browser settings, though disabling certain cookies might affect how our website works for you. Most browsers let you block cookies, delete existing ones, or get notified before new ones are stored.

7 Updates to This Policy

We review and update this privacy policy regularly to reflect changes in our services, legal requirements, or best practices. When we make significant changes, we'll notify you through email or a prominent notice on our website.

Minor updates (like clarifying existing practices or fixing typos) happen without special notification, but we always update the "last modified" date at the top of this page.

If changes affect how we use your existing information, we'll seek your consent before implementing those changes. You always have the right to withdraw your consent or delete your information if you disagree with policy updates.