Privacy Policy

Last Updated: 9 May 2026

1. Introduction

Welcome to Plouta ("Plouta", "we", "us", "our"). This Privacy Policy explains how Plouta Technologies Ltd collects, uses, stores, shares, and protects your personal information when you use our website, mobile applications, products, and related services (collectively, the “Services”).

Plouta is a UK-based financial wellness platform designed to help users better understand, organise, and improve their financial wellbeing through budgeting tools, financial insights, educational content, document storage, and introductions to carefully selected financial professionals.

Plouta Technologies Ltd is a company registered in England and Wales under company number 16442984, with its registered office at:

189 Belmont Road
Erith
DA8 1LE
United Kingdom

For the purposes of the UK General Data Protection Regulation (“UK GDPR”) and the Data Protection Act 2018, Plouta Technologies Ltd is the data controller.

By accessing or using our Services, you acknowledge that you have read and understood this Privacy Policy.

2. Contact Details

If you have any questions about this Privacy Policy or our data protection practices, please contact us:

Email: support@plouta.com

Postal Address:
Plouta Technologies Ltd
189 Belmont Road
Erith
DA8 1LE
United Kingdom

ICO Registration Number: CSN1694707

3. Information We Collect

We may collect and process the following categories of personal information.

A. Information You Provide Directly

Account & Contact Information

• Full name

• Email address

• Telephone number

• Account login credentials

• Communication preferences

Financial Wellness Information

You may voluntarily provide financial and lifestyle information including:

• Income and expenditure details

• Budgeting information

• Savings goals

• Debt and liabilities

• Investment information

• Pension information

• Mortgage information

• Financial priorities and objectives

• Financial wellness questionnaire responses

• Financial wellness scores and assessments

Adviser Introduction Information

Where you request to be connected with a financial adviser or specialist, we may collect:

• Financial goals

• Retirement objectives

• Protection and insurance interests

• Estate planning interests

• General financial circumstances

Vault & Uploaded Documents

If you use the Plouta Vault feature, we may process documents and information uploaded by you, including:

• Identity documents

• Insurance documents

• Tax-related documents

• Pension statements

• Wills and estate planning documents

• Receipts and invoices

• Financial statements

Communications

• Customer support enquiries

• Feedback submissions

• Survey responses

• AI assistant interactions

• Messages sent through our platform

B. Information Collected Automatically

When you use our website or app, we may automatically collect:

• IP address

• Device identifiers

• Browser type

• Operating system

• Device type

• App version

• Usage statistics

• Pages viewed

• Features used

• Session duration

• Crash reports

• Diagnostic information

• Referral URLs

• Clickstream data

C. Cookies, Pixels & Tracking Technologies

We use cookies, SDKs, pixels, tags, and similar technologies to:

• Operate our Services

• Analyse usage trends

• Improve performance

• Remember preferences

• Measure advertising performance

• Provide personalised content

• Deliver relevant advertisements

Please see Section 13 ("Cookies & Tracking Technologies") for further details.

4. How We Use Your Information

We use personal information for the following purposes.

To Provide Our Services

• Create and manage user accounts

• Deliver budgeting and financial wellness tools

• Generate financial wellness insights and summaries

• Store and organise uploaded documents

• Maintain app functionality and security

• Provide customer support

To Connect Users With Advisers

With your explicit consent, we may share relevant information with carefully selected FCA-regulated advisers, insurance specialists, inheritance tax specialists, or legal professionals to enable them to contact you regarding services you have requested.

To Improve Our Services

We may analyse user interactions and usage patterns to:

• Improve functionality

• Enhance user experience

• Develop new features

• Monitor app performance

• Prevent fraud and abuse

• Improve customer support

Marketing & Communications

Where permitted by law or where consent has been obtained, we may send:

• Product updates

• Financial wellness content

• Educational materials

• Promotional communications

• Feature announcements

You may unsubscribe at any time.

Legal & Regulatory Compliance

We may process personal information to:

• Comply with legal obligations

• Respond to lawful requests

• Enforce our Terms & Conditions

• Protect users and our business

• Prevent fraud, misuse, or unlawful activity

5. Artificial Intelligence & Automated Insights

Plouta may use artificial intelligence ("AI"), automation, and analytical technologies to provide:

• Budgeting insights

• Spending categorisation

• Financial wellness scoring

• Educational recommendations

• Alerts and reminders

• AI assistant interactions

• User experience enhancements

AI-generated outputs are provided for informational and educational purposes only and do not constitute:

• Financial advice

• Investment advice

• Tax advice

• Legal advice

• Insurance advice

Users should not rely solely on AI-generated insights when making financial decisions.

Plouta does not use customer financial data to train public AI models without explicit consent.

Users may have the ability to disable certain AI-powered features within app settings.

6. Profiling & Financial Wellness Analysis

Plouta may analyse user-provided financial information to generate:

• Financial wellness scores

• Budgeting summaries

• Spending trends

• Savings insights

• Financial wellbeing recommendations

These analyses are designed to support financial education and wellbeing and are not intended to produce legal or similarly significant effects.

7. Our Legal Basis for Processing

Under UK GDPR, we rely on the following lawful bases.

8. Sharing Your Information

We may share personal information with the following categories of third parties.

Financial Advisers & Specialists

With your explicit consent, we may share relevant information with carefully selected:

• FCA-regulated financial advisers

• Protection specialists

• Insurance advisers

• Inheritance tax advisers

• Legal specialists

Plouta acts solely as a technology platform and introducer service.

Service Providers

Google Firebase

We use Google Firebase for:

• Authentication

• Database infrastructure

• App hosting support

• Notifications

• Analytics

• Performance monitoring

HubSpot CRM

We use HubSpot to manage:

• Customer enquiries

• Marketing communications

• Lead management

• Adviser introductions

• Customer support interactions

Analytics Providers

We use services including Google Analytics to:

• Understand platform usage

• Improve performance

• Measure engagement

• Analyse traffic patterns

Advertising Platforms

We may use:

• Google Ads

• Meta Ads (Facebook & Instagram)

• LinkedIn Ads

• Reddit

• Quora

These platforms may use cookies, pixels, SDKs, and similar technologies to:

• Measure campaign performance

• Build advertising audiences

• Deliver personalised advertisements

• Analyse engagement

Where permitted by law, we may use hashed or encrypted identifiers such as email addresses for audience matching and campaign measurement.

Legal & Regulatory Authorities

We may disclose information where required:

• by law,

• court order,

• regulatory request,

• fraud investigation,

• or to protect rights and safety.

Business Transfers

If Plouta undergoes a merger, acquisition, investment, restructuring, or sale, personal information may be transferred as part of that transaction.

9. International Data Transfers

Some of our service providers may process personal data outside the United Kingdom.

Where international transfers occur, we implement appropriate safeguards including:

• International Data Transfer Agreements (IDTAs)

• UK Addendums

• Standard Contractual Clauses

• Adequacy regulations where applicable

10. Data Security

We implement technical and organisational security measures designed to protect personal information, including:

• Encryption in transit and at rest

• Secure cloud infrastructure

• Authentication controls

• Access restrictions

• Security monitoring

• Backup procedures

• Role-based access controls

Access to sensitive information is restricted to authorised personnel and service providers who require access for legitimate business purposes.

While we take reasonable steps to protect your information, no electronic storage or transmission method can be guaranteed to be completely secure.

11. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes outlined in this Privacy Policy.

Where legally required or necessary for fraud prevention, dispute resolution, legal claims, or regulatory compliance, certain information may be retained for longer periods.

12. Account Deletion

Users may request deletion of their account and associated personal information by contacting us at support@plouta.com.

When an account deletion request is received, we will take reasonable steps to delete or anonymise personal information, subject to:

• legal obligations,

• fraud prevention requirements,

• security requirements,

• backup retention periods,

• or legitimate business interests.

13. Cookies & Tracking Technologies

We use:

• Essential cookies

• Analytics cookies

• Functional cookies

• Advertising and marketing cookies

These technologies help us:

• operate the platform,

• analyse traffic,

• personalise content,

• improve user experience,

• and measure advertising effectiveness.

Users may manage cookie preferences through our cookie consent tools and browser settings.

Disabling certain cookies may impact platform functionality.

14. Mobile App Data & Notifications

When using the Plouta mobile app, we may collect:

• device identifiers,

• operating system details,

• app interaction data,

• crash reports,

• notification tokens,

• diagnostic information.

With your permission, Plouta may send push notifications regarding:

• budgeting reminders,

• financial wellness alerts,

• product updates,

• educational content,

• account activity,

• and security notifications.

Notification preferences may be managed within device or app settings.

15. Your Data Protection Rights

Under UK GDPR, you may have the following rights:

• Right of access

• Right to rectification

• Right to erasure

• Right to restrict processing

• Right to object

• Right to data portability

• Right to withdraw consent

Requests may be submitted to: support@plouta.com

Postal: 189 Belmont Road, DA8 1LE

We will respond in accordance with applicable data protection laws.

You also have the right to lodge a complaint with the UK Information Commissioner's Office (ICO):

Information Commissioner's Office (ICO)

16. Children's Privacy

Our Services are intended for users aged 18 and over.

We do not knowingly collect personal information from individuals under 18 years of age.

If we become aware that personal information relating to a child has been collected, we will take reasonable steps to delete it.

17. Third-Party Websites

Our Services may contain links to third-party websites or services.

We are not responsible for the privacy practices, security, or content of third-party websites.

Users should review the privacy policies of external websites before providing personal information.

18. Regulatory Information & Financial Disclaimer

Plouta Technologies Ltd is a financial wellness platform and does not provide regulated financial advice directly.

All regulated financial advice, insurance recommendations, and inheritance tax planning are provided by carefully selected FCA-regulated partnered advisers.

Wills and Estate Planning services are provided by qualified legal specialists.

The information, tools, calculators, AI-generated insights, articles, and educational materials available through Plouta are provided for general informational and educational purposes only and should not be relied upon as financial, legal, investment, tax, or insurance advice.

Any decision to engage with a financial adviser, investment product, insurance policy, or financial arrangement is made solely at the user's discretion and risk.

Investments can fall as well as rise in value, and users may not recover the full amount originally invested.

Estate Planning, Wills, Tax Planning Advice, and Trusts are not regulated by the Financial Conduct Authority.

Protection policies may have no cash value at any time and may cease if premiums are not maintained. Certain policies may not cover all definitions of critical illness. Users should review relevant policy documentation carefully.

Plouta Technologies Ltd is not authorised or regulated by the Financial Conduct Authority to provide regulated financial advice.

19. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

Where appropriate, we may notify users by:

• website notice,

• app notification,

• or email communication.

The latest version will always be available on our website.

20. Governing Law

This Privacy Policy shall be governed by and construed in accordance with the laws of England and Wales.