Privacy Policy

1. Introduction

Talents ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains what information we collect, why we collect it, how we use it, and what rights you have when you use Talents.

2. Information We Collect

Account Data

• Email address
• Display name (if provided)
• Authentication provider details (email/password or Google)

Financial Data

• Ledger, budget, category, and transaction records
• Recurring templates and annual summary data
• Shared ledger membership/invite metadata
• Export settings and data snapshots you choose to generate

Billing and Email Data

• Stripe payment event metadata (where applicable)
• Transactional email metadata, including optional monthly insight email delivery settings

Technical Data

• Basic device/browser information
• Session and security logs
• Locally cached app data (PWA/offline use)

3. How We Use Your Information

We use your information to:

• Operate Talents and provide core budgeting features
• Authenticate your account and maintain account security
• Send essential service emails (for example: account security, ledger invitations, and billing notices)
• Send optional monthly insight emails if you enable them in Settings
• Process payments and billing events through Stripe
• Prepare CSV exports when you request them
• Detect abuse, troubleshoot issues, and improve reliability
• Comply with legal and regulatory obligations

4. Legal Basis (UK GDPR)

We process personal data on one or more of these legal bases:

• Performance of a contract (providing the Service to you)
• Legitimate interests (security, service quality, fraud prevention)
• Compliance with legal obligations
• Consent where specifically requested

5. Data Storage and Security

Data is stored using providers such as Firebase/Google Cloud, Stripe, and MailerSend (for transactional emails). We use reasonable technical and organisational measures to protect data, but no system can be guaranteed 100% secure.

6. Data Sharing

We do not sell personal data. We share data only when necessary to provide Talents, including with:

• Firebase/Google Cloud (app backend and data storage)
• Stripe (payments and billing)
• MailerSend (transactional email delivery)
• Hosting/infrastructure providers
• Legal authorities when required by law

7. Data Retention

We retain personal data only as long as necessary for the purposes in this policy, including legal, accounting, and security needs.

• Account and ledger data: retained while your account is active
• Transactional/security email metadata: limited retention for audit and support
• Monthly insight email preferences: retained until you change or disable them
• Billing records: retained as required for legal/accounting obligations

If you delete your account, we remove or anonymise data unless we need to retain specific records for legal, fraud-prevention, or accounting reasons.

8. Your Rights

You have the right to:

• Access your personal data
• Correct inaccurate data
• Request deletion of your data
• Export your data
• Object to or restrict certain processing

To exercise these rights, contact us at info@talentsft.co.uk.

9. Cookies and Local Storage

Talents uses essential cookies and local-storage mechanisms for authentication, preferences, and core functionality. See our Cookies Policy.

10. Children's Privacy

Talents is not intended for children under 18, and we do not knowingly collect personal data from children.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be posted on this page with an updated date.

12. Contact Us

If you have questions about this Privacy Policy, please contact us at:
info@talentsft.co.uk

If you are based in the UK or EU and want to make a formal privacy request, include "Privacy Request" in your email subject.