1. Information we collect

We may collect information that you provide directly, information generated through your use of the Service, and information from third-party services where permitted by law. This may include:

• Account details such as your name, email address, billing contact information, and profile details.
• Financial planning inputs you provide, such as portfolio values, income, expenses, contributions, goals, assumptions, and scenario data.
• Billing and payment information when you purchase a paid plan or subscription.
• Usage data, including feature interactions, page views, session activity, and technical diagnostics.
• Device and browser information, such as IP address, operating system, browser type, language settings, and device identifiers.

2. How we use your information

We use information to provide, improve, secure, and operate the Service, including to:

• Create and maintain your account.
• Provide forecasting, planning, and portfolio analysis functionality.
• Process subscriptions, invoices, and payments.
• Respond to support requests, questions, and account inquiries.
• Improve the Service, diagnose issues, and analyse performance.
• Protect against fraud, abuse, and security threats.
• Send important service notices, product updates, security alerts, and administrative communications.

3. Sharing and disclosure

We do not sell personal data. We may share information with trusted third parties only where necessary to provide the Service, comply with legal obligations, or protect our rights and users. This may include:

• Hosting, infrastructure, and cloud providers.
• Payment processors and billing providers.
• Customer support, analytics, and security tools.
• Professional advisors, auditors, or legal representatives where required.
• Authorities or regulators where required by law or to protect against harm.

We require service providers to handle your data under appropriate confidentiality and security obligations.

4. Cookies and tracking technologies

We use cookies and similar technologies to remember preferences, improve usability, analyse traffic, and understand how the Service is used. You can control cookies through your browser settings, but some features may not work properly if tracking technologies are disabled.

5. Data retention

We retain personal information for as long as necessary to provide the Service, maintain records, comply with legal obligations, resolve disputes, and enforce our agreements. When data is no longer needed, we delete or anonymise it in accordance with our retention policies and applicable law.

6. Security

We use reasonable technical, administrative, and organisational safeguards to protect personal and financial information against unauthorised access, disclosure, alteration, or destruction. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

7. Your rights

Depending on your jurisdiction, you may have rights to access, correct, delete, restrict, or object to the processing of your personal data, as well as the right to request a copy of the data we hold about you. Where lawful and applicable, you may also withdraw consent for processing that was based on consent.

To exercise these rights, please contact us at privacy@yieldclarity.com. We may ask you to verify your identity before responding to a request. We will respond as required by applicable law.

8. Children

The Service is not intended for persons under the age of 18, and we do not knowingly collect personal information from children without valid parental consent where required by law.

9. International transfers

The Service may be operated from jurisdictions outside your location. If you access the Service from outside the UAE, your information may be transferred to and processed in countries with different data protection laws. By using the Service, you agree to such transfers where required for operation and support of the Service.

10. Changes to this policy

We may update this Privacy Policy from time to time. Material changes will be communicated through the Service or via email where appropriate. Your continued use of the Service after the updated policy is posted indicates your acceptance of the revised terms.

11. Contact

If you have questions about this Privacy Policy or your data, please contact:

Swift Tech Stack FZCO
Email: privacy@yieldclarity.com