Privacy Policy

FinanceReviews ("we", "us", "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform. We comply with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and other applicable privacy laws. Our data controller is FinanceReviews Ltd, registered in England and Wales. By using FinanceReviews, you consent to the data practices described in this policy.

We collect the following categories of information: Account Information • Name and email address provided during registration. • Authentication data (OAuth tokens, session identifiers). • Profile information you choose to provide (biography, location). Review and Activity Data • Reviews you submit, including ratings, text, and metadata. • Votes you cast on other users' reviews. • Company claims you submit. • Points earned and ledger history. Technical Data • IP address and approximate geographic location. • Browser type, version, and operating system. • Pages visited, time spent, and navigation patterns. • Device identifiers and screen resolution. Communications • Messages you send to our support team. • Notifications you receive and your preferences. We do not collect sensitive personal data such as financial account numbers, government identification numbers, or biometric data.

We use your information for the following purposes: Service Delivery • To create and manage your account. • To display your reviews and profile on the platform. • To calculate and display Trust Scores. • To process company claims and verify ownership. • To administer the points system. Platform Improvement • To analyze usage patterns and improve the user experience. • To detect and prevent fraud, spam, and abuse. • To test new features and measure their effectiveness. Communications • To send service-related notifications (review approvals, points earned). • To respond to your support requests. • To send optional newsletters (with your consent, unsubscribable at any time). Legal Compliance • To comply with applicable laws and regulations. • To respond to lawful requests from authorities. • To enforce our Terms of Service.

We do not sell your personal information to third parties. We share information only in the following circumstances: Public Information • Your reviews, ratings, and profile name are publicly visible on the platform. • Your account level and points total are displayed on your public profile. • You can control the visibility of certain profile elements in your settings. Service Providers • We use trusted third-party services for hosting, analytics, and email delivery. • These providers process data only on our behalf and under strict data processing agreements. Legal Requirements • We may disclose information when required by law, court order, or governmental authority. • We may disclose information to protect the rights, property, or safety of FinanceReviews, our users, or the public. Business Transfers • In the event of a merger, acquisition, or sale of assets, user information may be transferred. We will notify users before their information is transferred and becomes subject to a different privacy policy.

We use cookies and similar tracking technologies to operate the platform. See our Cookie Policy for full details. Essential Cookies: Required for authentication, session management, and security. Cannot be disabled. Analytics Cookies: Help us understand how users interact with the platform. Can be disabled in your browser settings. We do not use advertising cookies or share data with advertising networks.

We retain your personal information for as long as your account is active or as needed to provide services. • Account data: Retained for the duration of your account plus 2 years after deletion. • Reviews: Retained indefinitely as part of the platform's public record, even after account deletion (anonymized if requested). • Technical logs: Retained for 90 days. • Support communications: Retained for 3 years. You may request deletion of your account and associated personal data by contacting us at [email protected].

Under UK GDPR, you have the following rights: Right of Access: You can request a copy of the personal data we hold about you. Right to Rectification: You can request correction of inaccurate personal data. Right to Erasure: You can request deletion of your personal data, subject to legal obligations. Right to Restriction: You can request that we limit processing of your data in certain circumstances. Right to Data Portability: You can request your data in a structured, machine-readable format. Right to Object: You can object to processing based on legitimate interests. Right to Withdraw Consent: Where processing is based on consent, you can withdraw it at any time. To exercise any of these rights, contact us at [email protected]. We will respond within 30 days. You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk.

We implement appropriate technical and organizational measures to protect your personal information: • All data is transmitted over encrypted HTTPS connections. • Passwords are hashed using industry-standard algorithms. • Access to production systems is restricted and logged. • Regular security audits and penetration testing. • Incident response procedures in place. No method of transmission over the internet is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

FinanceReviews is not directed at children under 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete that information promptly. If you believe we have inadvertently collected information from a child, please contact us at [email protected].

We may update this Privacy Policy from time to time. We will notify you of significant changes by: • Posting a notice on the platform. • Sending an email to registered users. • Updating the "Last updated" date at the top of this policy. Your continued use of the platform after changes are posted constitutes your acceptance of the updated policy.

For privacy-related inquiries, data subject requests, or complaints: Data Protection Officer: [email protected] Privacy Team: [email protected] Address: FinanceReviews Ltd, 1 Canada Square, Canary Wharf, London, E14 5AB, United Kingdom For complaints to the supervisory authority: Information Commissioner's Office (ICO): ico.org.uk Phone: 0303 123 1113