Privacy Policy

This Privacy Policy explains how V.A.U.L.T. collects, uses, stores, and shares personal data when you use the service. V.A.U.L.T. stands for Visualise Assets, Utilities, Lending, Tracking.

V.A.U.L.T. is operated independently by the owner of the service and is not run by a limited company. For privacy, data protection, and account enquiries, you can contact the operator at admin@vault-finance.online.

For the purposes of applicable data protection law, the operator of V.A.U.L.T. is the controller of the personal data described in this policy.

This policy applies to the V.A.U.L.T. website, user accounts, household workspaces, support and issue tracking tools, authentication flows, email notifications, and related features made available through the service.

Depending on how you use V.A.U.L.T., we may collect and process the following categories of data:

• account details such as your name, email address, password hash, verification status, and security settings;
• profile and preference data such as profile image, accent colour, and preferred currency symbol;
• household data such as household names, join codes, member roles, invites, and activity records;
• financial planning data you choose to add, including bills, savings pots, one-off payments, mortgage details, notes, statement-style entries, and related planning information;
• support and issue tracker information, including ticket titles, descriptions, expected and actual outcomes, staff notes, updates, replies, and any screenshots or attachments you submit;
• technical and security data such as session identifiers, IP addresses, device or browser information, timestamps, audit logs, and actions taken on the service;
• email communication records relating to verification, password reset, invites, support, account notices, and service updates.

We collect personal data:

• directly from you when you register, log in, create a household, add data, submit a ticket, upload a file, or contact support;
• from other household members when they invite you or add shared household information that relates to your membership of that household;
• automatically through the operation of the service, including authentication, logging, session handling, and security monitoring.

We use personal data to:

• create and manage your account;
• authenticate users and keep accounts secure;
• verify email addresses and send service-related emails such as verification, password reset, household invites, and account notices;
• provide the budgeting, savings, mortgage, household, statement, and tracking features you choose to use;
• run the issue tracker and support process, including responding to reports and sending update notifications;
• monitor performance, investigate bugs, prevent misuse, and protect the service, users, and infrastructure;
• maintain audit trails and records of significant account, household, and administrative actions;
• comply with legal obligations and enforce our Terms.

Where UK GDPR or similar data protection law applies, we rely on one or more of the following lawful bases depending on the purpose:

• Contract: where processing is necessary to provide the service you request, such as creating your account, giving you access to your household, storing the data you choose to add, and sending essential service emails.
• Legitimate interests: where processing is necessary for the secure and effective operation of V.A.U.L.T., including fraud prevention, abuse monitoring, service improvement, debugging, audit logging, and responding to support or issue reports.
• Legal obligation: where we must process or retain information to comply with applicable law, legal requests, or enforcement obligations.
• Consent: where consent is specifically required by law or where we ask for it for an optional purpose. Where we rely on consent, you can withdraw it, although this does not affect earlier lawful processing.

We do not sell your personal data. We may share personal data only where reasonably necessary with:

• other members of your household, to the extent the service is designed to share household information between authorised members;
• hosting, infrastructure, database, storage, backup, email, and technical service providers used to run V.A.U.L.T.;
• professional advisers, law enforcement, courts, regulators, or other third parties where disclosure is required by law or reasonably necessary to protect rights, property, security, or users;
• administrators or authorised staff acting for the service where this is necessary to support users, investigate misuse, review issue tickets, or maintain the platform.

Some service providers used to run V.A.U.L.T. may process data outside the UK. Where personal data is transferred internationally, reasonable steps should be taken to ensure an appropriate level of protection is in place, such as contractual safeguards or use of providers with recognised transfer mechanisms.

V.A.U.L.T. uses cookies and similar technologies that are necessary to keep you signed in, maintain sessions, remember core service settings, protect accounts, and operate the website securely.

If we introduce non-essential analytics, advertising, or similar tracking technologies in future, we will aim to provide any notices and choices required by applicable law before using them.

We keep personal data for as long as reasonably necessary for the purposes described in this policy, including providing the service, maintaining household history, handling disputes, keeping backups, preventing fraud, and meeting legal or security requirements.

In practice, this means account and household data is generally kept while your account remains active unless you delete it sooner. Support tickets, issue history, audit logs, and security records may be retained for longer where needed to investigate problems, protect the service, or maintain an accurate record of administrative action.

If you delete your account or request deletion, some data may remain for a limited period in backups, logs, or records kept for legal, security, fraud prevention, or legitimate operational reasons.

We take reasonable technical and organisational measures to help protect personal data, including access controls, password hashing, encrypted connections where available, logging, and security monitoring. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

You are responsible for choosing a strong password, keeping your credentials confidential, and notifying us promptly if you believe your account has been compromised.

Depending on your location and the law that applies, you may have rights to:

• request access to personal data we hold about you;
• request correction of inaccurate or incomplete data;
• request deletion of personal data in certain circumstances;
• request restriction of processing in certain circumstances;
• object to certain processing carried out on the basis of legitimate interests;
• request a copy of certain data in a portable format where the law gives you that right;
• withdraw consent where consent was the basis for processing.

Many account details can be updated directly through your account settings. For other requests, email admin@vault-finance.online.

If you have concerns about how your personal data is handled, please contact us first at admin@vault-finance.onlineso we can try to resolve the issue. If you are in the UK, you may also have the right to complain to the Information Commissioner's Office (ICO).

V.A.U.L.T. is not directed at young children and should not be used by anyone who is not old enough to understand and agree to this policy and the Terms. If you believe a child has provided personal data inappropriately, contact us and we will review the situation.

We may update this Privacy Policy from time to time to reflect changes to the service, law, security practices, or how data is handled. The latest version will be published on this page, and continued use of V.A.U.L.T. after changes take effect means the updated version applies.

For privacy, data protection, support, or account queries, contact admin@vault-finance.online.