Information We Collect

We only collect information that helps us provide better budgeting education and services. Here's what that looks like in practice:

Information You Give Us Directly

When you contact us or sign up for our learning programmes, you share certain details with us. This might include your name, email address, phone number, and location. We also collect information about your financial education goals—though never your actual bank details or specific financial data.

• Contact forms: Name, email, phone number, and your message or inquiry
• Programme registration: Educational background, current financial literacy level, specific learning interests
• Communication preferences: How you'd like us to contact you and what information you want to receive
• Feedback and surveys: Your opinions about our programmes and suggestions for improvement

Information We Collect Automatically

Like most websites, ours gathers some technical information when you visit. This helps us understand how people use our site and where we can make improvements.

How We Use Your Information

Everything we collect serves a specific purpose. We don't gather data just to have it sitting in a database somewhere.

We won't sell your information to third parties. That's not our business model, and it never will be. We're here to teach financial literacy, not monetise your data.

Legal Basis for Processing

Under UK GDPR, we need a lawful basis to process your personal information. Here's what applies to us:

• Contractual necessity: When you register for a programme, we need your information to deliver that service
• Legitimate interests: We process some data to improve our services and operate our business efficiently
• Consent: For marketing communications, we'll ask for your explicit permission first
• Legal obligation: Sometimes UK law requires us to retain certain records

If we ever need to process your data for a new purpose, we'll let you know and explain our legal basis for doing so.

Data Sharing and Third Parties

We work with a small number of trusted service providers who help us run our business. These might include:

• Email service providers who help us send course materials and updates
• Website hosting companies that keep our site running securely
• Analytics tools that help us understand how people use our site
• Payment processors if you purchase any paid programmes

All these providers are carefully selected and bound by data protection agreements. They can only use your information for the specific services they provide to us—nothing else.

Your Rights

UK data protection law gives you strong rights over your personal information. Here's what you can do:

To exercise any of these rights, just send us an email at info@quinalorave.com. We'll respond within one month, though we aim to be much faster than that. There's no charge for most requests, though we might need to verify your identity first.

How We Protect Your Information

We take security seriously and use industry-standard measures to protect your data. This includes encrypted connections, secure servers, and regular security assessments.

Our team receives regular training on data protection, and we limit access to personal information to only those staff members who need it to do their jobs.

That said, no system is 100% secure. If we ever experience a data breach that affects you, we'll notify you and the relevant authorities as required by law.

Data Retention

We don't keep your information forever. Here's our general approach:

• Active participants: We retain your data while you're engaged with our programmes plus a reasonable period afterwards
• Inquiries: If you contact us but don't sign up, we'll keep your information for up to two years
• Financial records: UK law requires us to keep certain business records for six years
• Marketing: If you've consented to receive updates, we'll keep your details until you unsubscribe

Once we no longer need your information, we securely delete or anonymise it. If you want us to delete your data sooner, just ask—we'll honour that request unless we have a legal reason to retain it.

Cookies and Tracking

Our website uses cookies—small text files stored on your device that help the site function properly and give us insights into how people use it.

Essential Cookies

These are necessary for the website to work. They remember your preferences during a session and keep the site secure. You can't opt out of these if you want to use our site.

Analytics Cookies

We use these to understand which pages are popular, how long people stay, and where they come from. This helps us improve the site. You can disable these through your browser settings.

We don't use advertising cookies or allow third-party advertisers to track you on our site.

Children's Privacy

Our services are designed for adults managing their own finances. We don't knowingly collect information from anyone under 16 without parental consent.

If you're a parent and believe your child has provided us with personal information, please contact us immediately so we can delete it.

International Data Transfers

We're based in the United Kingdom, and we primarily store data within the UK. Some of our service providers operate internationally, which means your information might be processed outside the UK.

When this happens, we ensure appropriate safeguards are in place through standard contractual clauses approved by UK authorities. Your data receives the same level of protection regardless of where it's processed.

Changes to This Policy

We review this privacy policy regularly and update it when necessary. If we make significant changes, we'll notify you by email or through a prominent notice on our website.

The "Last Updated" date at the top tells you when we last revised the policy. We encourage you to check back periodically, especially before sharing new information with us.

Complaints and Concerns

If you're unhappy with how we've handled your personal information, please tell us first. We'll do our best to resolve the issue quickly and fairly.

You also have the right to lodge a complaint with the Information Commissioner's Office (ICO), the UK's data protection authority. You can contact them at ico.org.uk or call their helpline on 0303 123 1113.

But honestly, we'd rather you came to us first so we can put things right.