Privacy Policy

1. Introduction

Birch Kapitvale ("we", "us", or "our") provides AI-driven data analysis and decision-support tools for retirees managing drawdown risk. We are committed to protecting the privacy of visitors to our website and users of our services. This Policy describes the categories of information we collect, how we use that information, and the choices available to you regarding our use of it.

By accessing or using our website, you agree to the collection and use of information in accordance with this Policy. If you do not agree with the terms described here, please do not use the site.

2. Information We Collect

We may collect the following categories of information:

• Information you provide directly — such as your name, email address, phone number, and any details submitted through contact forms, lead forms, or requests for a stress-test consultation.
• Financial or portfolio information you choose to share — where you voluntarily provide details about your financial situation in order for us to deliver analysis or decision-support outputs.
• Automatically collected information — such as IP address, browser type, device identifiers, pages visited, referring URLs, and timestamps, collected through standard web server logs and cookies.
• Communications — records of correspondence if you contact us by email, phone, or through the website.

3. How We Use Information

We use the information we collect for purposes that may include:

• Responding to inquiries and providing requested information or consultations;
• Operating, maintaining, and improving our website and service offerings;
• Communicating with you about updates, materials, or matters relevant to your request;
• Monitoring and analysing usage trends to improve functionality and content;
• Complying with legal obligations and enforcing our Terms of Use;
• Detecting, investigating, and preventing fraudulent or unauthorised activity.

We do not use submitted financial information to generate automated investment advice without appropriate human oversight, and any analysis provided is for informational purposes only, as further described in our Terms of Use.

4. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to distinguish you from other users, remember preferences, and understand how the site is used. You can configure your browser to refuse cookies or alert you when cookies are being sent. Disabling cookies may affect the functionality of certain parts of the website.

5. Legal Basis for Processing

Where applicable data protection law requires a legal basis for processing personal data, we rely on one or more of the following: your consent, the necessity of processing to take steps prior to entering into an arrangement with you, our legitimate interests in operating and improving our services, and compliance with legal obligations.

6. Disclosure of Information

We do not sell personal information. We may share information with:

• Service providers who perform functions on our behalf, such as hosting, analytics, email delivery, or customer relationship management, subject to confidentiality obligations;
• Professional advisers such as legal or compliance consultants, where necessary;
• Regulators or authorities, where required by law, regulation, or legal process;
• Successor entities in connection with a merger, acquisition, or sale of assets, subject to appropriate safeguards.

7. Data Retention

We retain personal information only for as long as necessary to fulfil the purposes outlined in this Policy, including to satisfy any legal, accounting, or reporting requirements. Retention periods vary depending on the type of information and the purpose for which it was collected.

8. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect information from unauthorised access, alteration, disclosure, or destruction. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

9. Your Rights

Depending on your jurisdiction, you may have certain rights regarding your personal information, which may include the right to:

• Request access to the personal information we hold about you;
• Request correction of inaccurate or incomplete information;
• Request deletion of your personal information, subject to legal exceptions;
• Object to or restrict certain processing activities;
• Request a copy of your information in a portable format;
• Withdraw consent where processing is based on consent.

To exercise any of these rights, please contact us using the details provided on our Contact page or footer of this website. We may need to verify your identity before responding to such requests.

10. International Transfers

If information is transferred to or processed in countries other than your own, we will take reasonable steps to ensure it is treated securely and in accordance with this Policy and applicable data protection law.

11. Third-Party Links

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

12. Children's Privacy

Our services are not directed to individuals under the age of 18, 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.

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will post the revised version on this page with an updated "Last updated" date. We encourage you to review this Policy periodically.

14. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please reach out via the contact details provided in the footer of this website.