Introduction

At Vertharborprt, we understand that your privacy is fundamental to building trust. This comprehensive privacy policy explains how we collect, use, store, and protect your personal information when you interact with our liquidity and solvency analysis platform.

We're committed to transparency about our data practices and ensuring you have control over your personal information. This policy applies to all users of vertharborprt.com and our educational services, regardless of how you access our platform.

Information We Collect

We collect several types of information to provide and improve our services. Here's what we gather and why:

How We Use Your Information

Your information helps us deliver personalised financial education and improve our platform. We process your data for specific, legitimate purposes:

• Providing access to liquidity and solvency analysis courses and materials
• Processing course enrollments and managing student progress
• Sending course updates, educational content, and important notices
• Improving our platform based on usage patterns and feedback
• Providing customer support and responding to your enquiries
• Ensuring platform security and preventing unauthorised access

We only send marketing communications if you've given explicit consent, and you can withdraw this consent at any time through your account settings or by contacting us directly.

Data Sharing and Third Parties

We work with carefully selected partners to deliver our services, but we never sell your personal information. Here's when and why we might share your data:

Your Rights Under UK Data Protection Law

Under the UK General Data Protection Regulation (UK GDPR) and Data Protection Act 2018, you have significant rights regarding your personal data:

• Right of Access: Request a copy of the personal data we hold about you
• Right to Rectification: Ask us to correct inaccurate or incomplete information
• Right to Erasure: Request deletion of your personal data in certain circumstances
• Right to Restrict Processing: Ask us to limit how we use your data
• Right to Data Portability: Request your data in a portable format
• Right to Object: Opt out of certain types of data processing
• Rights Related to Automated Decision Making: Protection from decisions based solely on automated processing

To exercise any of these rights, please contact us using the information provided below. We'll respond to your request within one month, though complex requests may take up to three months.

Data Security and Protection

Protecting your information is a top priority. We implement multiple layers of security to safeguard your data:

• SSL encryption for all data transmitted to and from our platform
• Secure servers with regular security updates and monitoring
• Access controls ensuring only authorised personnel can view your data
• Regular security audits and vulnerability assessments
• Secure backup systems with encryption at rest

Data Retention

We keep your personal information only as long as necessary to fulfil the purposes for which it was collected and to comply with legal requirements:

International Data Transfers

While we primarily process data within the UK and European Union, some of our service providers may be located outside these regions. When we transfer your data internationally:

• We ensure adequate protection through appropriate safeguards
• We use standard contractual clauses approved by the UK Information Commissioner's Office
• We verify that recipients provide equivalent data protection standards
• We regularly review and audit international transfer arrangements

Cookies and Similar Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience and provide personalised content. We use different types of cookies:

You can manage cookie preferences through your browser settings, though this may affect website functionality. Our cookie banner allows you to accept or decline non-essential cookies.

Children's Privacy

Our services are designed for adults seeking professional financial education. We do not knowingly collect personal information from individuals under 16 years of age. If we discover that we've collected information from someone under 16, we'll delete it promptly.

Parents or guardians who believe their child has provided personal information to us should contact us immediately using the details below.

Changes to This Policy

We may update this privacy policy periodically to reflect changes in our practices, legal requirements, or service offerings. When we make significant changes:

• We'll notify active users by email at least 30 days before changes take effect
• We'll display a prominent notice on our website
• We'll update the "Effective Date" at the top of this policy
• For material changes affecting your rights, we may seek renewed consent