Privacy Policy
Your privacy matters to us. This comprehensive policy explains how NovaShine collects, uses, protects, and manages your personal information in accordance with UK data protection laws.
Introduction and Our Commitment
NovaShine operates as a comprehensive financial comparison platform, helping individuals and businesses make informed decisions about their financial products and services. We understand that trust forms the foundation of our relationship with you, which is why we've developed this detailed privacy policy.
As a company operating in the United Kingdom, we adhere strictly to the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. Our privacy practices have been designed to give you control over your personal information while enabling us to provide you with exceptional financial comparison services.
This policy applies to all users of desitch.digital, our mobile applications, and any other digital platforms we operate. Whether you're browsing our comparison tools, creating an account, or engaging with our educational resources, this policy governs how we handle your information.
Information We Collect
We collect various types of information to provide you with personalised financial comparisons and improve our services. The information we gather falls into several categories, each serving specific purposes in delivering our platform's functionality.
Personal Identification Information
Financial Profile Information
Technical and Usage Data
How We Use Your Information
Your information serves multiple purposes in our mission to provide exceptional financial comparison services. We've structured our data usage around core business functions that directly benefit you as our user.
| Purpose | Data Used | Legal Basis |
|---|---|---|
| Personalised Recommendations | Financial profile, preferences, search history | Legitimate interest |
| Account Management | Contact information, account preferences | Contract performance |
| Platform Security | Technical data, login information | Legitimate interest |
| Service Improvement | Usage patterns, feedback data | Legitimate interest |
| Marketing Communications | Contact details, preferences | Consent |
We analyse your usage patterns to identify trends that help us develop better comparison tools and educational content. This analysis never involves sharing your personal information with third parties for their marketing purposes without your explicit consent.
Important Note on Automated Decision Making
While we use algorithms to generate product recommendations, you always retain control over your financial decisions. Our automated systems are designed to assist, not replace, your personal judgment in financial matters.
Your Data Protection Rights
Under UK GDPR, you possess comprehensive rights regarding your personal data. We've designed our systems to make exercising these rights straightforward and efficient.
Right of Access
Request a copy of all personal data we hold about you. We'll provide this information in a structured, commonly used format within 30 days of your request.
Right of Rectification
Correct any inaccurate or incomplete personal information in your account. You can update most information directly through your account settings.
Right to Erasure
Request deletion of your personal data when it's no longer necessary for the purposes we collected it, or when you withdraw consent.
Right to Data Portability
Receive your personal data in a machine-readable format or request that we transfer it directly to another service provider.
Right to Restrict Processing
Limit how we process your data in specific circumstances, such as when you're contesting the accuracy of the information.
Right to Object
Object to processing based on legitimate interests, including direct marketing communications and profiling activities.
Data Sharing and Third Parties
We work with carefully selected partners to deliver our comprehensive comparison services. Our approach to data sharing prioritises your privacy while enabling us to provide accurate, up-to-date financial product information.
Financial Product Providers
When you express interest in a specific financial product, we may share relevant information with the provider to facilitate your application or inquiry. This sharing only occurs with your explicit consent and includes only the information necessary for them to respond to your request.
Technology Service Providers
We engage third-party services for hosting, analytics, customer support, and security monitoring. These providers operate under strict data processing agreements and can only use your information for the specific services they provide to us.
Legal and Regulatory Requirements
In certain circumstances, we may need to disclose your information to comply with legal obligations, respond to lawful requests from public authorities, or protect our rights and the safety of our users.
No Data Sales Policy
We never sell your personal information to third parties. Our business model is based on providing valuable comparison services, not monetising your personal data.
Data Security and Protection
Protecting your personal information is paramount to our operations. We've implemented comprehensive security measures that span technical, administrative, and physical safeguards.
Technical Security Measures
Administrative Safeguards
Data Retention and Deletion
We retain your personal information only for as long as necessary to fulfil the purposes outlined in this policy, comply with legal obligations, and resolve any disputes that may arise.
Retention Periods
When you request account deletion, we begin the process immediately. Some information may be retained in anonymised form for statistical purposes or to comply with legal obligations, but this data cannot be used to identify you personally.
Cookies and Tracking Technologies
Our website uses various tracking technologies to enhance your browsing experience and provide personalised services. We believe in transparency about these technologies and give you control over their use.
Essential Cookies
These cookies are necessary for our website to function properly. They enable basic features like page navigation, account authentication, and security measures. You cannot opt out of essential cookies as they're required for the website to work.
Analytical Cookies
We use analytical cookies to understand how visitors interact with our website. This information helps us improve our services and create better user experiences. All analytical data is anonymised and cannot be traced back to individual users.
Personalisation Cookies
These cookies remember your preferences and settings to provide you with personalised product recommendations and content. You can disable personalisation cookies through your browser settings, though this may affect the relevance of our recommendations.
International Data Transfers
While we primarily store and process your data within the United Kingdom, some of our trusted service providers may be located in other countries. When international transfers occur, we ensure appropriate safeguards are in place.
Transfer Safeguards
We regularly review our international data transfer arrangements to ensure they meet the highest standards of data protection and comply with UK regulations.
Changes to This Privacy Policy
We regularly review and update this privacy policy to reflect changes in our services, legal requirements, and industry best practices. When we make significant changes, we'll notify you through email or prominent notices on our website.
Minor updates that don't affect your rights or how we process your data may be made without individual notification, but we'll always update the "Last Updated" date at the top of this policy.
We encourage you to review this policy periodically to stay informed about how we protect your information. Your continued use of our services after policy updates constitutes acceptance of the revised terms.
Contact Our Privacy Team
We're committed to addressing your privacy concerns promptly and thoroughly. Our dedicated privacy team is available to help with any questions, requests, or concerns about your personal data.