Legal

Privacy Policy

This Privacy Policy explains how North Meritholdage collects, uses, stores, and protects information when you visit our website or use our services. This is a general draft provided for informational purposes and should be reviewed and adapted to reflect your actual data practices and applicable legal requirements before publication.

Last updated: [Insert Date]

1. Who We Are

North Meritholdage ("we", "us", "our") provides AI-driven cash and risk optimisation tools for small businesses and financial controllers. This policy applies to all personal data processed through our website, applications, and related services (collectively, the "Services").

2. Information We Collect

We may collect the following categories of information depending on how you interact with our Services:

Account & Contact Data

Name, email address, phone number, company name, and billing details provided when registering or contacting us.

Usage Data

Information about how you interact with our website and dashboards, including pages visited, features used, and timestamps.

Technical Data

IP address, browser type, device identifiers, and cookie data collected automatically when you access our Services.

Financial Data

Where applicable, cash flow, transaction, or risk-related data you submit to use our optimisation features.

Communications

Records of correspondence, support requests, and feedback you send to us.

Marketing Preferences

Your choices regarding newsletters, promotional communications, and related preference settings.

3. How We Use Your Information

We process personal data for purposes including:

  • Providing, maintaining, and improving the Services;
  • Creating and managing user accounts;
  • Processing payments and fulfilling contractual obligations;
  • Communicating with you about updates, support, or administrative matters;
  • Sending marketing communications where you have consented, with the option to opt out at any time;
  • Analysing usage trends to improve functionality and user experience;
  • Detecting, preventing, and addressing fraud, security, or technical issues;
  • Complying with legal obligations and enforcing our terms.

4. Legal Basis for Processing

Where applicable data protection law requires a legal basis, we rely on one or more of the following: performance of a contract with you, your consent, our legitimate interests in operating and improving the Services, and compliance with legal obligations.

5. Cookies and Tracking Technologies

We use cookies and similar technologies to operate our website, remember preferences, and understand usage patterns. You can control cookies through your browser settings; disabling certain cookies may affect the functionality of our Services. For further detail on specific cookie categories, please contact us using the details on our Contact page.

6. How We Share Information

We do not sell personal data. We may share information with:

  • Service providers who support hosting, payment processing, analytics, or customer support, under appropriate confidentiality and data protection terms;
  • Professional advisors such as auditors or legal counsel, where necessary;
  • Regulatory or governmental authorities where required by law;
  • A successor entity in the event of a merger, acquisition, or sale of assets, subject to continued protection of your data.

7. International Data Transfers

If personal data is transferred outside your country of residence, we aim to ensure appropriate safeguards are in place consistent with applicable data protection laws, such as approved contractual clauses or equivalent mechanisms.

8. Data Retention

We retain personal data only for as long as necessary to fulfil the purposes outlined in this policy, including meeting legal, accounting, or reporting obligations. Retention periods vary depending on the type of data and the context in which it was collected.

9. Data Security

We implement reasonable technical and organisational measures designed to protect personal data against unauthorised access, loss, misuse, or alteration. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

10. Your Rights

Depending on your jurisdiction, you may have rights to access, correct, delete, restrict, or object to the processing of your personal data, as well as rights to data portability and to withdraw consent at any time. To exercise these rights, please contact us using the details provided on our Contact page.

11. Children's Privacy

Our Services are intended for business use and are not directed at individuals under the age of 18. We do not knowingly collect personal data from children.

12. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those external sites and encourage you to review their respective policies.

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Any updates will be posted on this page with a revised "Last updated" date.

14. Contact Us

If you have questions about this Privacy Policy or how your personal data is handled, please get in touch via our Contact page.