Privacy Policy

1. Introduction

Merittallor ("we", "us", or "our") provides AI-assisted capital intelligence tools designed to help businesses analyse liquidity, forecast cash positions, and identify risk indicators. This policy applies to information collected through our website, briefing requests, and related communications. By using our site or submitting information to us, you acknowledge the practices described in this document.

2. Information We Collect

We may collect the following categories of information:

Information you provide directly: name, company name, email address, phone number, job title, and any details submitted through contact forms, briefing requests, or correspondence with our team.

Information collected automatically: IP address, browser type, device information, pages visited, referring URLs, and general usage patterns, typically gathered through standard web server logs or similar technologies.

Information from third parties: where applicable, information obtained from business partners, publicly available sources, or service providers who assist in operating our website or evaluating briefing requests.

3. How We Use Information

We use collected information for purposes that may include:

Responding to enquiries and scheduling requested briefings; operating, maintaining, and improving our website and service offerings; communicating updates, security notices, or administrative messages; understanding aggregate usage trends to inform product and content decisions; and meeting legal, regulatory, or contractual obligations where applicable.

We do not use collected information to make automated decisions that produce legal or similarly significant effects without appropriate human oversight.

4. Legal Basis for Processing

Where required by applicable law, we rely on one or more of the following grounds to process personal information: your consent, the necessity of processing to respond to your request or provide a service, compliance with a legal obligation, or our legitimate interests in operating and improving our business, provided those interests are not overridden by your rights.

5. Sharing and Disclosure

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

Service providers who perform functions on our behalf, such as hosting, analytics, or communication tools, under obligations of confidentiality consistent with this policy.

Professional advisors such as auditors or legal counsel, where necessary for business operations.

Authorities or regulators where disclosure is required to comply with a legal obligation, enforce our terms, or protect the rights, property, or safety of Merittallor, our clients, or others.

Business transfers, in the event of a merger, acquisition, reorganisation, or sale of assets, where information may be transferred as part of that transaction, subject to continued protection under a comparable policy.

6. Data Retention

We retain personal information only for as long as reasonably necessary to fulfil the purposes outlined in this policy, including satisfying any legal, accounting, or reporting obligations. Retention periods may vary depending on the nature of the information and the context in which it was collected. Specific retention schedules should be defined internally and inserted here.

7. Data Security

We maintain administrative, technical, and organisational safeguards designed to protect information against unauthorised access, alteration, disclosure, or destruction. These measures are appropriate to the nature of the information processed, though no method of transmission or storage can be guaranteed to be entirely secure. Specific technical controls, certifications, or audit practices should be described accurately based on actual implementation rather than general assurance.

8. International Data Transfers

If information is transferred across borders, for example to service providers located outside your jurisdiction, we take steps intended to ensure that such transfers are conducted in a manner consistent with applicable data protection requirements. Where specific transfer mechanisms or safeguards apply, they should be detailed in this section.

9. Your Rights and Choices

Depending on applicable law, you may have rights that include: requesting access to personal information we hold about you; requesting correction of inaccurate or incomplete information; requesting deletion of personal information, subject to legal exceptions; objecting to or restricting certain types of processing; and requesting a copy of your information in a portable format.

To exercise any of these rights, please contact us using the details on our Contact page. We may need to verify your identity before fulfilling certain requests, and some rights may be subject to limitations under applicable law.

10. Cookies and Tracking Technologies

Our website may use cookies or similar technologies to support basic functionality, remember preferences, and understand how visitors interact with our site. You can typically manage or disable cookies through your browser settings, though doing so may affect certain site features. A detailed cookie inventory and consent mechanism, where legally required, should be implemented separately from this policy.

11. Third-Party Links

Our website may contain links to third-party sites that are not operated by Merittallor. We are not responsible for the privacy practices or content of those external sites, and we encourage you to review their respective privacy policies before providing any information.

12. Children's Privacy

Our services are intended for business use and are not directed at children. We do not knowingly collect personal information from individuals under the age of majority in their jurisdiction. If you believe a child has provided us with personal information, please contact us so that we can take appropriate action.

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, or legal obligations. Material changes will be indicated by updating the "Last updated" date at the top of this page. Continued use of our website after such updates constitutes acknowledgement of the revised policy.

14. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please reach out via our Contact page. We will aim to respond within a reasonable timeframe.

This document is a general template provided for informational purposes and should be reviewed and customised by qualified legal counsel to ensure compliance with the specific laws applicable to Merittallor's operations and jurisdictions before use.