Privacy Policy

1. Introduction

SettlePal ("we", "us", or "our") respects your privacy and is committed to protecting the personal information you share with us. This policy applies to all visitors, users, and others who access our website and related services (collectively, the "Services"). By using our Services, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

We may collect the following categories of information:

• Contact information such as your name, email address, phone number, and company details, provided when you submit an enquiry or request access.
• Account and usage data including preferences, correspondence, and interactions with our Services.
• Technical data such as IP address, browser type, device information, and pages visited, collected automatically through cookies and similar technologies.
• Communications you send to us, including feedback, support requests, and survey responses.

3. How We Use Your Information

We use the information we collect for purposes including:

• Providing, operating, and maintaining our Services.
• Responding to enquiries, requests for access, and support needs.
• Improving, personalising, and expanding our Services.
• Communicating with you, including sending updates and administrative messages.
• Detecting, preventing, and addressing technical issues or fraudulent activity.
• Complying with applicable legal obligations.

4. Legal Basis for Processing

Where applicable data protection law requires it, we rely on legal bases 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 those interests are not overridden by your data protection rights.

5. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to monitor activity on our Services and store certain information. Cookies help us recognise repeat visitors, understand usage patterns, and improve functionality. You can instruct your browser to refuse cookies or alert you when cookies are being sent, though some parts of the Services may not function properly without them.

6. Sharing of Information

We do not sell your personal information. We may share information with:

• Service providers who perform functions on our behalf, such as hosting, analytics, and communications.
• Professional advisors, including legal and financial consultants, where necessary.
• Regulatory or governmental authorities where required by law or to protect our rights.
• A successor entity in the event of a merger, acquisition, or sale of assets.

7. Data Retention

We retain personal information only for as long as necessary to fulfil the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. When information is no longer required, we take reasonable steps to delete or anonymise it.

8. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorised 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

Your information may be transferred to, and processed in, countries other than the one in which you reside. Where such transfers occur, we take steps intended to ensure that appropriate safeguards are in place to protect your information in accordance with this policy and applicable law.

10. Your Rights

Depending on your jurisdiction, you may have rights including the ability to:

• Access the personal information we hold about you.
• Request correction of inaccurate or incomplete information.
• Request deletion of your personal information.
• Object to or restrict certain processing activities.
• Request portability of information you have provided to us.
• 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 will respond to requests within a reasonable timeframe and in accordance with applicable law.

11. Children's Privacy

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

12. Third-Party Links

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

13. Changes to This 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 indicate the date of the most recent revision at the top of this page. We encourage you to review this policy periodically.

14. Contact Us

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

Last updated: This is a general-purpose draft policy and should be reviewed by qualified legal counsel prior to use.