Information We Collect
When you use Learnivithryva's financial forecasting platform, we collect several types of information to provide you with personalized budgeting insights and secure financial planning tools.
Personal Information: We collect your name, email address, phone number, and postal address when you create an account or contact our support team. This information helps us communicate with you about your account and provide customer support.
Financial data you input into our platform includes income sources, expense categories, financial goals, and transaction patterns. We understand this information is highly sensitive, which is why we've implemented bank-level encryption to protect every piece of data you share with us.
- Account credentials and authentication information
- Device information including IP address, browser type, and operating system
- Usage patterns within the platform to improve our forecasting algorithms
- Communication preferences and customer service interactions
- Payment information for subscription services (processed securely through third-party payment processors)
We also collect technical information automatically when you use our services. This includes cookies, session data, and analytics information that helps us understand how users interact with our platform and where we can make improvements.
How We Use Your Information
Your information serves specific purposes that directly benefit your experience on Learnivithryva. We use your financial data to generate personalized forecasts, create budget recommendations, and alert you to potential financial opportunities or risks.
Marketing communications are sent only with your explicit consent, and you can opt out at any time. We analyze usage patterns to improve our algorithms, but this analysis uses aggregated, anonymized data that cannot be traced back to individual users.
Service Improvement: We use anonymized data to enhance our forecasting accuracy, develop new features, and identify common financial planning challenges our users face. This helps us build better tools for everyone.
Data Sharing and Third Parties
Learnivithryva does not sell your personal information to third parties. We maintain strict control over who has access to your data and under what circumstances sharing might occur.
We work with carefully vetted service providers who help us operate our platform effectively. These include cloud hosting providers, payment processors, and email service providers. All third-party partners sign comprehensive data processing agreements that require them to protect your information with the same standards we maintain.
- Payment processors handle transaction data securely but never receive your complete financial profile
- Cloud infrastructure providers store encrypted data but cannot access the actual content
- Analytics services receive only anonymized usage statistics
- Customer support tools may access your account information only when you request assistance
Legal requirements may occasionally compel us to share information with government authorities, but only when presented with valid legal process. We review all such requests carefully and provide only the minimum information required by law.
Your Rights and Choices
You have significant control over your personal information. These rights reflect our commitment to transparency and your autonomy over your data.
Access and Portability: You can download a complete copy of your data at any time through your account settings. This includes all financial information, account details, and usage history in a standard format that you can use with other services.
If you notice any inaccuracies in your data, you can correct them directly through the platform or by contacting our support team. We'll update your information promptly and ensure the changes are reflected across all our systems.
Deletion Rights: You can delete your account at any time, which will remove all your personal information from our active systems within 30 days. Some information may be retained for legal compliance purposes but will be completely anonymized.
- Opt out of marketing communications while keeping your account active
- Request detailed information about what data we hold about you
- Restrict processing of your data for specific purposes
- Object to automated decision-making based on your financial profile
- Transfer your data to another financial planning service
Data Security and Protection
Security is fundamental to everything we do at Learnivithryva. We employ multiple layers of protection to safeguard your financial information from unauthorized access, theft, or misuse.
All data transmission occurs over encrypted connections using TLS 1.3 protocol. Your information is encrypted both in transit and at rest using AES-256 encryption, which is the same standard used by major financial institutions worldwide.
Our development team follows secure coding practices, and we conduct regular security audits with independent cybersecurity firms. We also maintain comprehensive backup systems to ensure your data remains accessible even in the event of technical failures.
Access Controls: Only authorized personnel can access user data, and all access is logged and monitored. Our employees undergo background checks and regular security training to maintain the highest standards of data protection.
International Data Transfers
As Learnivithryva operates from the United Kingdom, your data is primarily processed and stored within the UK and European Economic Area. When we do transfer data internationally, we ensure appropriate safeguards are in place.
Any international transfers comply with UK GDPR requirements and include appropriate transfer mechanisms such as adequacy decisions or standard contractual clauses approved by UK authorities.
Data Retention
We retain your personal information only as long as necessary to provide our services and comply with legal obligations. Active account data is maintained while your account remains open and for a reasonable period afterward to allow for account reactivation.
- Financial planning data: Retained while account is active plus 7 years for tax purposes
- Communication records: Kept for 3 years to maintain service quality
- Usage analytics: Anonymized after 2 years and may be retained indefinitely
- Payment records: Maintained for 7 years as required by UK financial regulations
Children's Privacy
Learnivithryva is designed for adults managing their financial planning. We do not knowingly collect personal information from individuals under 18 years of age. If we discover that we have inadvertently collected such information, we will delete it immediately.
Changes to This Policy
We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. Significant changes will be communicated through email notifications and prominent notices on our platform at least 30 days before they take effect.
Minor updates that don't affect your rights or how we handle your data may be implemented with shorter notice periods. We encourage you to review this policy periodically to stay informed about how we protect your information.
Cookies and Tracking
Learnivithryva uses cookies and similar technologies to enhance your experience and provide essential platform functionality. Essential cookies are necessary for basic platform operations like maintaining your login session and remembering your preferences.
Cookie Consent: We provide clear options for managing non-essential cookies through our cookie consent manager. You can adjust these settings at any time through your account preferences.
Analytics cookies help us understand how users interact with our platform, which features are most valuable, and where we can make improvements. These cookies collect information in aggregate form and cannot identify individual users.