PRIVACY POLICY
Introduction:
Welcome to PerkFolio! Your privacy is of paramount importance to us. This Privacy Policy explains how PerkFolio ("we," "us," or "our") collects, uses, protects, and, in limited circumstances, shares your personal information when you use our website www.myperkfolio.com and our services (collectively, the "Service"). By using our Service, you agree to the collection and use of information in accordance with this policy.1. Information We Collect
We only collect information essential for providing our Service and enhancing your experience, while strictly avoiding sensitive financial data.1.1 Information You Provide Directly:
1.1.1 Contact Information: When you join our waitlist, contact us, or register for our Service, we may collect your name and email address.
1.1.2 Card/Account Names: To provide benefit aggregation, you will input the names of your credit cards and/or bank accounts (e.g., "HSBC Premier Credit Card," "Lloyds Bank"). We do NOT ask for account numbers, passwords, PINs, or any sensitive financial login credentials.
1.2 Non-Personal Information (Automatically Collected):
1.2.1 Usage Data: Information about how you access and use the Service, such as pages visited, time spent on pages, type of device, browser type, and operating system.
1.2.2 Cookies and Tracking Technologies: We use cookies and similar tracking technologies to track activity on our Service and hold certain information. (If applicable, link to a detailed Cookie Policy).2. How We Use Your Information
We use the collected information for various purposes:2.1 To provide and maintain our Service.
2.2 To personalize your experience and deliver relevant perk information.
2.3 To manage your account (if applicable) and provide customer support.
2.4 To send you updates, marketing, and promotional communications (you can opt-out).
2.5 To monitor the usage of our Service and improve its functionality.
2.6 To detect, prevent, and address technical issues or fraudulent activity.3. How We Share Your Information
We do not sell your personal data. We may share your information only in limited circumstances:3.1 With Your Consent: We may disclose your personal information when we have your explicit consent to do so.
3.2 For Legal Reasons: If required by law or in response to valid requests by public authorities (e.g., a court order).
3.3 To Service Providers: We may employ third-party companies and individuals to facilitate our Service (e.g., analytics providers, email service providers). They have access to your information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.4. Data Security
The security of your data is paramount. We implement robust security measures including [e.g., encryption, access controls, secure servers] to protect your personal data from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or method of electronic storage is 100% secure.5. Your Data Protection Rights (e.g., GDPR/UK GDPR if applicable)
Depending on your location, you may have the following rights regarding your personal data:5.1 The right to access: Request a copy of your personal data.
5.2 The right to rectification: Request correction of inaccurate data.
5.3 The right to erasure: Request deletion of your data.
5.4 The right to restrict processing: Request limitations on how your data is used.
5.5 The right to data portability: Request transfer of your data.
5.6 The right to object to processing: Object to certain types of processing. To exercise these rights, please contact us at [email protected].6. Links to Other Sites
Our Service may contain links to third-party websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.7. Changes to This Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.8. Contact Us
If you have any questions about this Privacy Policy, please contact us:By email: [email protected]
TERMS OF SERVICE
1. Acceptance of Terms
By accessing or using the PerkFolio website and services (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of the terms, you may not access the Service.2. Description of Service
PerkFolio is a platform designed to aggregate, organise, and highlight benefits and perks associated with your credit cards and bank accounts based on information you provide. PerkFolio does not provide financial, legal, tax, or investment advice. Our Service is for informational purposes only.3. User Conduct & Prohibited Uses
You agree to use the Service only for lawful purposes. You are prohibited from using the Service:
3.1. In any way that violates any applicable national or international law.
3.2. To impersonate any person or entity.
3.3. To engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Service.
3.4. To transmit any advertising or promotional material.4. Intellectual Property
The Service and its original content, features, and functionality are and will remain the exclusive property of PerkFolio and its licensors.5. Disclaimer of Financial/Legal/Other Advice
5.1. PerkFolio is an information aggregation service. We are not a financial advisor, broker, or legal professional.
5.2. The information provided through our Service is for general informational purposes only and should not be considered as a substitute for professional financial, legal, or tax advice.
5.3. You should consult with a qualified professional before making any financial or legal decisions.6. Limitation of Liability
In no event shall PerkFolio, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage.7. Indemnification
You agree to defend, indemnify and hold harmless PerkFolio and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of a) your use and access of the Service, by you or any person using your account and password; or b) a breach of these Terms.8. Governing Law
These Terms shall be governed and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions.9. Changes to These Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time.10. Contact Us
If you have any questions about these Terms, please contact us at [email protected]
Disclaimer
The information provided by PerkFolio on www.myperkfolio.com and through its Service is for general informational and aggregation purposes only. All information on the Service is provided in good faith, however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Service.PerkFolio is not a financial advisor. The content provided by PerkFolio is not financial, legal, tax, or investment advice. It should not be used as a substitute for professional advice from a qualified financial advisor, tax professional, or legal counsel. You should always seek professional advice before making any financial decisions.Under no circumstance shall we have any liability to you for any loss or damage of any kind incurred as a result of the use of the Service or reliance on any information provided on the Service. Your use of the Service and your reliance on any information on the Service is solely at your own risk.