Privacy Policy

1. Introduction

The Profits Circle ("we", "us", "our") provides AI-powered backtesting and predictive analytics tools for long-term household financial planning. We respect your privacy and are committed to protecting any information you share with us. This policy describes the categories of information we collect, how we use it, who we share it with, and the choices available to you.

2. Information We Collect

We may collect the following categories of information when you visit our website, create an account, or use our platform:

• Contact information — such as your name, email address, and phone number submitted through forms on our site.
• Account information — login credentials and preferences associated with your use of the platform.
• Financial planning inputs — figures and scenarios you voluntarily enter for backtesting and modelling purposes.
• Usage data — pages visited, interactions, device type, browser, and approximate location derived from IP address.
• Communications — records of correspondence when you contact us with questions or support requests.

3. How We Use Information

We use collected information to:

• Provide, operate, and maintain the The Profits Circle platform and its analytical features.
• Respond to inquiries, support requests, and account-related communications.
• Improve the accuracy, performance, and usability of our tools and models.
• Send administrative updates and, where you have opted in, product or service communications.
• Detect, investigate, and prevent fraudulent, unauthorized, or illegal activity.
• Comply with applicable legal and regulatory obligations.

4. Legal Basis for Processing

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

5. Sharing of Information

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

• Service providers who support hosting, analytics, email delivery, or customer support on our behalf, under confidentiality obligations.
• Professional advisors, such as legal or financial consultants, where necessary.
• Regulatory or governmental authorities, where required by applicable law or legal process.
• A successor entity in connection with a merger, acquisition, or sale of assets, subject to equivalent privacy protections.

6. Data Retention

We retain personal information for as long as necessary to fulfil the purposes outlined in this policy, including providing our services, complying with legal obligations, resolving disputes, and enforcing our agreements. Retention periods vary depending on the type of data and the purpose for which it was collected.

7. Cookies and Tracking Technologies

Our website may use cookies and similar technologies to remember preferences, understand how visitors interact with our content, and improve functionality. You can configure your browser to refuse cookies or alert you when cookies are being sent; however, some parts of the site may not function properly without them.

8. Data Security

We implement reasonable technical and organisational measures designed to protect information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

9. International Data Transfers

If information is transferred across borders, we aim to ensure it receives an adequate level of protection consistent with this policy and applicable law, through appropriate safeguards such as contractual protections with service providers.

10. Your Rights and Choices

Depending on your jurisdiction, you may have rights to access, correct, delete, or restrict the use of your personal information, object to certain processing, or request a copy of your data in a portable format. You may also withdraw consent where processing is based on consent, without affecting the lawfulness of prior processing. To exercise these rights, please use the contact details provided on our website.

11. Children's Privacy

Our platform is not directed to individuals under the age of 18, and we do not knowingly collect personal information from minors. If you believe a minor has provided us with personal information, please contact us so we can take appropriate action.

12. Third-Party Links

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

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. Material changes will be indicated by updating the effective date at the top of this policy or through other appropriate notice.

14. Contact Us

If you have questions about this Privacy Policy or our data practices, please reach out through the contact channels listed on our website.

This document is a general template and does not constitute legal advice. The Profits Circle recommends obtaining jurisdiction-specific legal review before relying on this policy for compliance purposes.