Privacy Policy

1. Introduction

Fern Waardholm ("we", "us", or "our") provides AI-driven data analysis and decision-support tools for independent professionals managing capital alongside their primary work. This Policy applies to all visitors, users, and others who access our website and related services (collectively, the "Services"). By using the Services, you acknowledge the practices described in this Policy.

2. Information We Collect

We may collect the following categories of information:

• Account and Contact Information: name, email address, and similar identifiers provided when you register, request information, or communicate with us.
• Usage Data: information about how you interact with the Services, including pages viewed, features used, timestamps, and referring URLs.
• Device and Technical Data: IP address, browser type, operating system, and device identifiers collected automatically.
• Content You Provide: inputs, files, or data submitted for analysis, along with any correspondence you send us.
• Cookies and Similar Technologies: data collected through cookies, local storage, and comparable tools, as described in Section 8.

3. How We Use Information

We use collected information to:

• Provide, operate, maintain, and improve the Services;
• Personalise your experience and respond to enquiries or support requests;
• Analyse usage trends to inform product development;
• Communicate updates, security notices, and administrative messages;
• Detect, investigate, and prevent fraudulent or unauthorised activity;
• Comply with applicable legal obligations.

4. Legal Basis for Processing

Where applicable data protection law requires a legal basis for processing, 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 the Services, and compliance with legal obligations. Where processing relies on consent, you may withdraw it at any time as described in Section 7.

5. How We Share Information

We do not sell personal information. We may share information in the following circumstances:

• Service Providers: with third parties who perform functions on our behalf, such as hosting, analytics, or customer communications, subject to confidentiality obligations.
• Legal Requirements: where disclosure is required to comply with applicable law, regulation, legal process, or governmental request.
• Business Transfers: in connection with a merger, acquisition, financing, or sale of assets, subject to standard confidentiality arrangements.
• With Your Consent: where you have directed or authorised us to share information with a specific third party.

6. Data Retention

We retain personal information for as long as necessary to fulfil the purposes described in this Policy, unless a longer retention period is required or permitted by law. Criteria used to determine retention periods include the duration of your relationship with us, legal or regulatory requirements, and the resolution of disputes.

7. Your Rights and Choices

Depending on your jurisdiction, you may have rights to access, correct, delete, restrict, or object to the processing of your personal information, and to receive a copy of your data in a portable format. You may also have the right to withdraw consent where processing is based on consent. To exercise any of these rights, please contact us using the details on our Contact page; we may need to verify your identity before responding.

8. Cookies and Tracking Technologies

We use cookies and similar technologies to operate the Services, remember preferences, and understand usage patterns. You can control cookies through your browser settings; disabling certain cookies may affect the functionality of the Services. This Policy does not cover third-party cookies that may be set by embedded content or linked sites.

9. Data Security

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

10. International Data Transfers

Where information is transferred across borders, we take steps intended to ensure it receives an adequate level of protection consistent with this Policy and applicable law. The specific safeguards used will depend on the jurisdictions involved and should be confirmed prior to publication of this Policy.

11. Children's Privacy

The Services are not directed to individuals under the age of majority in their jurisdiction, and we do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so we can take appropriate action.

12. Third-Party Links

The Services may contain links to third-party websites or services. We are not responsible for the privacy practices or content of those third parties, and we encourage you to review their respective privacy policies.

13. Changes to This Policy

We may update this Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. The updated version will be indicated by a revised "Last updated" date. We encourage you to review this Policy periodically.

14. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please reach out through the contact details provided on our website footer or Contact page.