Privacy Policy

This policy explains how PocketRatio handles information connected with the use of our budgeting tools, blog content, analytics, and cookie preferences. We are committed to data minimisation and to using only the information required to provide and improve the service.

1. Scope

This policy applies to visits to the PocketRatio website, use of the budget and debt planning tools, and interactions with any contact form made available on the site. It does not apply to third-party websites that may be linked from our pages.

2. Information we may process

We may process technical information such as browser type, device characteristics, approximate location derived from IP address, referral source, pages viewed, and time spent on the site. If a visitor submits a form, we may also process the content of that request for support and service administration.

• Usage data needed to understand site performance
• Cookie preferences and session-related settings
• Diagnostic logs used for reliability and security review
• Information voluntarily entered into on-site forms

3. Purpose and legal basis

We process information to operate the website, maintain security, measure performance, improve content, and respond to user requests. Where consent is required for cookies or optional analytics, processing takes place on that basis. Other processing may rely on legitimate interests in maintaining and securing the service.

4. Cookies

PocketRatio uses cookies and similar technologies to remember basic preferences, maintain service functionality, and understand aggregate use of the site. Non-essential cookies should be activated only after consent where applicable. You can modify cookie preferences through your browser settings and clear stored cookies at any time.

5. Data retention

We keep personal data only for as long as reasonably necessary for the purposes stated in this policy, including security review, legal compliance, dispute handling, and service administration. Retention periods are limited by operational need and reviewed periodically.

6. Sharing and processors

We may use hosting providers, analytics services, content delivery providers, and other processors that help operate the website. These providers are expected to process data under appropriate contractual and security obligations. We do not sell personal data.

7. International transfers

Where data is processed outside the visitor's jurisdiction, we aim to use appropriate safeguards that support lawful transfers and protect individual rights. The exact safeguards may depend on the service provider and location involved.

8. Security

We use reasonable technical and organisational measures designed to protect information against unauthorised access, misuse, disclosure, or loss. No online environment is fully immune from risk, so visitors should also exercise care when submitting information through web forms.

9. Your rights

Depending on applicable law, users may have rights to access, correct, delete, restrict, or object to processing of their personal data, as well as rights to data portability and complaint. Requests should be submitted through the contact form on this website so they can be reviewed and handled in an orderly manner.

10. Policy updates

We may update this policy to reflect legal, technical, or operational changes. Material updates should be published on this page with a revised effective date where appropriate.