Privacy Policy

1. Introduction

Vermtage ("we", "us", or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website, use our services, or otherwise interact with us. Please read this policy carefully. By using our website or services, you acknowledge that you have read and understood this policy.

2. Information We Collect

We may collect the following categories of information depending on how you interact with Vermtage:

• Contact details — such as your name, email address, phone number, and business or trading name, provided when you submit a form or request information.
• Account and usage information — details related to your interaction with our platform, including login activity, preferences, and service usage patterns.
• Financial and income-related information — data you choose to provide in connection with risk assessment or planning features, such as income sources, cash flow patterns, or related figures.
• Technical data — IP address, browser type, device information, and cookie identifiers collected automatically through your use of our website.
• Communications — records of correspondence between you and Vermtage, including support requests and feedback.

3. How We Use Your Information

We use the information we collect for purposes including:

• Providing, operating, and maintaining our website and services.
• Responding to inquiries, requests, and support needs.
• Improving and personalizing our services, including risk modeling and planning tools.
• Communicating with you about updates, offers, or changes to our services, where you have consented to receive such communications.
• Monitoring usage trends and analyzing website performance.
• Meeting legal, regulatory, or contractual obligations.

4. Legal Basis for Processing

Where required by applicable law, we process personal information on the basis of one or more of the following: your consent, the necessity of processing to perform a contract with you, our legitimate business interests, or compliance with a legal obligation. Where we rely on consent, you may withdraw it at any time by contacting us using the details on our Contact page.

5. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and understand where our visitors come from. You can control or disable cookies through your browser settings; however, doing so may affect the functionality of certain features on our website.

6. Sharing and Disclosure of Information

We do not sell your personal information. We may share information in the following circumstances:

• With service providers and vendors who perform functions on our behalf, such as hosting, analytics, and customer support, under appropriate confidentiality obligations.
• To comply with applicable laws, regulations, legal processes, or governmental requests.
• To protect the rights, property, or safety of Vermtage, our users, or others.
• In connection with a merger, acquisition, financing, or sale of assets, subject to appropriate confidentiality arrangements.

7. Data Retention

We retain personal information only for as long as necessary to fulfill the purposes described in this policy, unless a longer retention period is required or permitted by law. When information is no longer needed, we take reasonable steps to securely delete or anonymize it.

8. Data Security

We implement reasonable technical and organizational measures designed to protect personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

9. International Data Transfers

If you access our services from outside the country in which our servers or service providers are located, your information may be transferred across international borders. Where required, we take steps intended to ensure that such transfers comply with applicable data protection laws.

10. Your Rights

Depending on your location, 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 your personal information, subject to legal limitations.
• Object to or restrict certain processing activities.
• Request a copy of your data in a portable format.
• Withdraw consent where processing is based on consent.

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 your request.

11. Children's Privacy

Our services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children. If we become aware that we have inadvertently collected personal information from a child, we will take steps to delete it.

12. Third-Party Links

Our website may contain links to third-party websites or services that are not operated by Vermtage. We are not responsible for the privacy practices or content of such third parties, and we encourage you to review their privacy policies before providing any personal information.

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. We will post the revised policy on this page with an updated effective date. We encourage you to review this policy periodically.

14. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please reach out via the details provided on our Contact page.