1. Introduction

Choice Ledgex ("we", "us", or "our") provides AI-driven data analysis and risk management support to businesses evaluating the use of surplus capital. We are committed to protecting the privacy and security of personal information entrusted to us by visitors to our website and by clients who engage our services.

By accessing our website or submitting information to us, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with the terms described here, please do not use our website or services.

2. Information We Collect

We may collect the following categories of information:

• Contact information you provide directly, such as your name, business name, email address, and telephone number, when you submit an enquiry or request an analysis.
• Business information relevant to the services requested, which you choose to share with us during consultations or through forms on our website.
• Technical information collected automatically when you visit our website, such as IP address, browser type, device information, pages visited, and referring URLs.
• Cookies and similar technologies used to operate and improve the website, as described in Section 6 below.
• Communications you send to us, including correspondence by email or through contact forms, which we may retain for record-keeping purposes.

We do not knowingly collect sensitive personal data unless it is voluntarily provided and necessary for the purpose of the engagement.

3. How We Use Information

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

• Responding to enquiries and providing requested analysis or information.
• Operating, maintaining, and improving our website and services.
• Communicating with you about your enquiry, including follow-up correspondence.
• Understanding how visitors use our website, for internal analytics and service improvement.
• Complying with applicable legal, regulatory, or contractual obligations.
• Detecting, preventing, and addressing technical issues, fraud, or misuse of our website.

We do not sell personal information to third parties, and we do not use personal information to make automated decisions that produce legal or similarly significant effects without appropriate human oversight.

4. Legal Basis for Processing

Where applicable data protection law requires a legal basis for processing, we rely on one or more of the following: your consent, the necessity of processing to take steps prior to entering into a contract or to perform a contract with you, our legitimate interests in operating and promoting our business, and compliance with legal obligations to which we are subject.

5. Sharing of Information

We do not share personal information with third parties except in the following circumstances:

• Service providers: We may engage third-party vendors to support website hosting, analytics, communications, or administrative functions, under obligations of confidentiality consistent with this Policy.
• Legal requirements: We may disclose information where required to comply with applicable law, regulation, legal process, or governmental request.
• Business transfers: In the event of a merger, acquisition, restructuring, or sale of assets, information may be transferred as part of that transaction, subject to confidentiality commitments.
• With your consent: We may share information for other purposes with your explicit consent.

6. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to enhance functionality, remember preferences, and gather analytics about how visitors interact with our content. You can control or disable cookies through your browser settings; however, doing so may affect the functionality of certain features of the website.

[Insert details of specific cookies, analytics tools, or third-party tracking technologies used on the website, if applicable.]

7. Data Retention

We retain personal information only for as long as necessary to fulfil the purposes outlined in this Policy, including for the purposes of satisfying any legal, accounting, or reporting requirements. Criteria used to determine retention periods include the duration of our ongoing relationship with you and any applicable statutory retention obligations.

8. Data Security

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

9. International Data Transfers

If personal information is transferred to, stored, or processed in a country outside of your country of residence, we will take reasonable steps to ensure that appropriate safeguards are in place consistent with applicable data protection law. [Insert details of specific transfer mechanisms, if applicable.]

10. 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 personal information, subject to legal or contractual exceptions.
• Object to or restrict certain processing of your information.
• Request portability of your information in a structured, commonly used format.
• Withdraw consent at any time, where processing is based on consent.
• Lodge a complaint with a relevant supervisory authority.

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

11. Children's Privacy

Our website and services are intended for business use and are not directed at individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such information, please contact us so that we can take appropriate action.

12. Third-Party Links

Our website may contain links to third-party websites or resources. We are not responsible for the privacy practices or content of such third parties. We encourage you to review the privacy policies of any external sites you visit.

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. Any updates will be posted on this page with a revised "Last updated" date. We encourage you to review this Policy periodically.

14. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our handling of personal information, please reach out via our Contact page.