1. Privacy Policy – RetirePlan

Effective Date: 1 October 2025
Last Updated: 1 October 2025

1. Who We Are

RetirePlan is a division of Vadercom Limited, a company registered in England and Wales with its registered office at:
Old Schoolhouse, 12b Chapel Street, Berkhamsted, Hertfordshire, HP4 2EA, United Kingdom.

In this Privacy Policy, “we”, “our”, or “us” refers to RetirePlan / Vadercom Limited.

We are committed to protecting your privacy and handling your personal data responsibly, transparently, and in accordance with UK data protection law, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

2. What Data We Collect

We may collect and process the following types of personal data:

• Identity information: such as name and (if provided) age range or retirement status.
• Contact details: including email address (for newsletters, updates, or downloads).
• Account information: when you register or log in via our authentication provider.
• Usage data: such as how you use our site, the tools you access, and your preferences.
• Technical data: including IP address, browser type, and cookies used to improve site performance and analytics.

We do not collect any financial account details or sensitive personal information unless explicitly required for a specific feature and agreed by you.

3. How We Use Your Data

We use your personal data to:

• Provide access to our retirement planning tools and resources.
• Communicate updates, newsletters, and relevant offers (only if you opt in).
• Maintain your account and secure login through our authentication provider (Logto).
• Analyse site usage to improve content and functionality.
• Comply with legal obligations and maintain secure records.

We will never sell or rent your personal information to any third party.

4. Sharing of Data

We only share data with trusted service providers who process information on our behalf and under our instructions, for the purposes listed above. These include:

• Logto – for secure user authentication and encrypted data storage.
• Brevo (formerly Sendinblue) – for managing newsletters and email communications.
• BookFunnel – for secure delivery of free or purchased digital downloads (eBooks, guides).

These providers act as data processors under UK GDPR and are contractually required to protect your information and use it only as instructed.

We may also share data if required by law or to protect our rights, users, or the security of our services.

5. Legal Basis for Processing

We rely on one or more of the following legal bases:

• Consent (for newsletters, marketing communications, or optional downloads).
• Legitimate interest (to operate and improve our services).
• Contractual necessity (to provide account-based features).
• Legal obligation (to comply with applicable laws).

You may withdraw consent at any time by clicking “unsubscribe” in our emails or by contacting us.

6. Cookies

Our website uses cookies and similar technologies to enhance your experience and analyse traffic. You can control cookies through your browser settings. Essential cookies cannot be disabled as they are required for website functionality.

7. Data Storage and Security

Your data is stored securely by our processors (Logto, Brevo, BookFunnel) using encrypted servers and secure access protocols.
We retain personal data only as long as necessary for the purposes collected or as required by law.

8. Your Rights

You have the right to:

• Access the personal data we hold about you
• Request correction or deletion of inaccurate information
• Withdraw consent for marketing
• Request data portability or restriction of processing

To exercise your rights, contact info@retireplan.co.uk.

If you are not satisfied with our response, you have the right to lodge a complaint with the Information Commissioner’s Office (ICO): www.ico.org.uk.

9. International Data Transfers

Our main service providers may store or process data outside the UK or EEA. In such cases, we ensure appropriate safeguards are in place, such as the UK’s International Data Transfer Agreement (IDTA) or equivalent standard contractual clauses.

10. Changes to This Policy

We may update this policy from time to time. The revised version will be posted on this page with an updated “Last Updated” date.

11. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact:
Email:  info@retireplan.co.uk.
Post: RetirePlan (Vadercom Limited), Old Schoolhouse, 12b Chapel St, Berkhamsted, Herts HP4 2EA, UK.

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