Privacy Policy

1. Introduction

PhospherAI ("we", "us", or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy describes the types of information we may collect from you or that you may provide when you visit our website and use our AI-driven capital optimisation and predictive risk analysis tools, and our practices for collecting, using, maintaining, protecting, and disclosing that information.

By accessing or using our website and services, you agree to the terms of this Privacy Policy. If you do not agree with our policies and practices, please do not use our website or services.

2. Information We Collect

We may collect several types of information from and about users of our website and services, including:

• Identity and contact information — such as your name, email address, phone number, and business details submitted through contact forms or account registration.
• Account and usage information — including login credentials, preferences, and records of your interactions with our platform.
• Financial and operational data — information you voluntarily submit for the purpose of capital optimisation or risk analysis, such as portfolio details or business metrics.
• Technical information — including IP address, browser type, device identifiers, referring URLs, and pages visited, collected automatically through cookies and similar technologies.
• Communications — records of correspondence when you contact us for support or inquiries.

3. How We Use Your Information

We use the information we collect for purposes including:

• Providing, operating, and maintaining our website and services.
• Generating analysis, insights, and recommendations through our AI-driven tools.
• Responding to inquiries, support requests, and other communications.
• Improving and personalising your experience with our platform.
• Monitoring usage patterns to enhance security and performance.
• Complying with applicable legal and regulatory obligations.

4. Legal Basis for Processing

Where applicable law requires a legal basis for processing personal information, we rely on grounds such as your consent, the necessity of processing to perform a contract with you, compliance with a legal obligation, or our legitimate interests in operating and improving our services, provided such interests are not overridden by your data protection rights.

5. Cookies and Tracking Technologies

Our website may use cookies, web beacons, and similar tracking technologies to collect information about your browsing activities. Cookies help us recognise your device, remember your preferences, and understand how our website is used. You can control cookies through your browser settings; however, disabling cookies may affect the functionality of certain features.

6. Disclosure of Your 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.
• To comply with legal obligations, court orders, or governmental requests.
• To protect the rights, property, or safety of PhospherAI, our users, or others.
• In connection with a business transaction such as a merger, acquisition, or sale of assets, subject to appropriate confidentiality arrangements.

7. 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 transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

8. Data Retention

We retain personal information for as long as necessary to fulfil the purposes outlined in this Privacy 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 anonymise it.

9. Your Rights and Choices

Depending on your jurisdiction, you may have rights regarding your personal information, which may include the right to:

• Access the personal information we hold about you.
• Request correction of inaccurate or incomplete information.
• Request deletion of your personal information, subject to certain exceptions.
• Object to or restrict certain processing activities.
• Withdraw consent where processing is based on consent.
• Lodge a complaint with a relevant supervisory or regulatory authority.

To exercise any of these rights, please contact us using the details provided on our Contact page. We will respond to legitimate requests within a reasonable timeframe.

10. Third-Party Links

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

11. International Data Transfers

If information is transferred to, stored, or processed in a country other than the one in which it was collected, we take steps intended to ensure that appropriate safeguards are in place to protect that information in accordance with this Privacy Policy and applicable law.

12. Children's Privacy

Our website and 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 such information, we will take steps to delete it promptly.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will post the revised policy on this page with an updated effective date. We encourage you to review this page 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 on our Contact page.