1. Introduction

Welcome to NumoraCap. We respect your privacy and are committed to protecting your personal data. This privacy policy will inform you about how we look after your personal data when you visit our website and use our services, and tell you about your privacy rights and how the law protects you.

NumoraCap ("we", "us", or "our") operates the website numoracap.com (the "Site") and provides financial planning and expense analysis services (collectively referred to as "Services").

This policy applies to all personal information we collect from you, or that you provide to us, through our Site or Services.

2. Information We Collect

2.1 Personal Information

We may collect, use, store, and transfer different kinds of personal information about you, which we have grouped together as follows:

  • Identity Data: includes first name, last name, username or similar identifier.
  • Contact Data: includes email address, telephone numbers, and mailing address.
  • Financial Data: includes information about your income, expenses, assets, and financial goals.
  • Transaction Data: includes details about payments to and from you and other details of products and services you have purchased from us.
  • Technical Data: includes internet protocol (IP) address, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access our Site.
  • Profile Data: includes your username and password, your interests, preferences, feedback, and survey responses.
  • Usage Data: includes information about how you use our Site and Services.
  • Marketing and Communications Data: includes your preferences in receiving marketing from us and our third parties and your communication preferences.

2.2 Cookies and Similar Technologies

We use cookies and similar tracking technologies to track activity on our Site and to hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Site.

Types of cookies we use:

  • Essential Cookies: Required for the operation of our Site. They include, for example, cookies that enable you to log into secure areas.
  • Analytical/Performance Cookies: Allow us to recognize and count the number of visitors and see how visitors move around our Site. This helps us improve the way our Site works.
  • Functionality Cookies: Used to recognize you when you return to our Site. This enables us to personalize our content for you and remember your preferences.
  • Targeting Cookies: Record your visit to our Site, the pages you have visited, and the links you have followed. We will use this information to make our Site and the advertising displayed on it more relevant to your interests.

3. How We Use Your Information

We will only use your personal information when the law allows us to. Most commonly, we will use your personal information in the following circumstances:

  • Where we need to perform the contract we are about to enter into or have entered into with you.
  • Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
  • Where we need to comply with a legal obligation.
  • Where you have provided consent for us to process your personal information for a specific purpose.

Purposes for which we will use your personal information:

  • To register you as a new customer
  • To provide and maintain our Services
  • To process and complete transactions
  • To send administrative information, such as updates, security alerts, and support messages
  • To respond to your comments, questions, and requests
  • To provide customer support
  • To personalize your experience on our Site
  • To deliver relevant content and advertisements to you and measure the effectiveness of such advertising
  • To monitor usage of our Services
  • To detect, prevent, and address technical issues
  • To improve our Site and Services

4. Data Sharing and Disclosure

We may share your personal information with the following categories of recipients:

4.1 Service Providers

We may employ third-party companies and individuals to facilitate our Services ("Service Providers"), provide the Services on our behalf, perform Service-related tasks, or assist us in analyzing how our Services are used. These third parties have access to your personal information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

4.2 Business Partners

We may share your information with our business partners to offer you certain products, services, or promotions.

4.3 Legal Requirements

We may disclose your personal information if required to do so by law or in response to valid requests by public authorities (e.g., a court or a government agency).

4.4 Business Transfers

In the event of a merger, acquisition, or asset sale, your personal information may be transferred. We will provide notice before your personal information is transferred and becomes subject to a different Privacy Policy.

4.5 With Your Consent

We may disclose your personal information for any other purpose with your consent.

5. Data Security

We have implemented appropriate technical and organizational measures to secure your personal information from accidental loss, unauthorized access, use, alteration, or disclosure. All information you provide to us is stored on secure servers behind firewalls.

However, please be aware that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

6. Data Retention

We will only retain your personal information for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.

To determine the appropriate retention period for personal information, we consider the amount, nature, and sensitivity of the personal information, the potential risk of harm from unauthorized use or disclosure of your personal information, the purposes for which we process your personal information and whether we can achieve those purposes through other means, and the applicable legal requirements.

7. Your Data Protection Rights

Depending on your location, you may have certain rights regarding your personal information. These may include:

7.1 Access and Portability

You have the right to request copies of your personal information. We may charge you a small fee for this service.

7.2 Correction

You have the right to request that we correct any information you believe is inaccurate or incomplete.

7.3 Erasure

You have the right to request that we erase your personal information, under certain conditions.

7.4 Restriction of Processing

You have the right to request that we restrict the processing of your personal information, under certain conditions.

7.5 Object to Processing

You have the right to object to our processing of your personal information, under certain conditions.

7.6 Data Portability

You have the right to request that we transfer the data we have collected to another organization, or directly to you, under certain conditions.

If you wish to exercise any of these rights, please contact us using the information provided in the "Contact Us" section.

8. International Data Transfers

Your information, including personal information, may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.

If you are located outside the United Kingdom and choose to provide information to us, please note that we transfer the information, including personal information, to the United Kingdom and process it there.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

9. Children's Privacy

Our Services are not directed to individuals under the age of 18 ("Children"). We do not knowingly collect personally identifiable information from Children. If you are a parent or guardian and you are aware that your Child has provided us with personal information, please contact us. If we become aware that we have collected personal information from Children without verification of parental consent, we take steps to remove that information from our servers.

10. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date at the top of this policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

11. Contact Us

If you have any questions about this Privacy Policy, please contact us: