Privacy Policy

Last Updated: April 17, 2025

1. Introduction

This Privacy Policy explains how Vitalf Finance Solutions ("Vitalf", "we", "us", or "our") collects, uses, and protects your personal information when you use our financial tools and services.

2. Information We Collect

We collect various types of information to provide and improve our Services:

  • Personal Information: Name, email address, and contact details you provide when registering for our services or contacting us.
  • Financial Information: Data related to your financial accounts when using our portfolio tools, including portfolio composition, rebalancing targets, and financial goals.
  • Usage Data: Information about how you interact with our services, including features you use, pages you visit, and actions you take within our applications.
  • Device Information: Browser type, IP address, operating system, and device identifiers to optimize our services for your technology.

3. Client-Side Processing

Some of our services, like the InfinitePay CSV to OFX Converter, process your data entirely on your device:

  • Financial data in CSV files is processed locally in your browser
  • Your financial data is not transmitted to our servers
  • We cannot access the content of your financial files
  • The generated OFX files remain on your device unless you choose to share them

4. How We Use Your Information

We use the information we collect for the following purposes:

  • Providing and improving our financial tools and services
  • Processing transactions and managing your account
  • Sending service updates and important notifications
  • Responding to your inquiries and support requests
  • Understanding how users interact with our services to enhance user experience
  • Personalizing your experience based on your preferences
  • Protecting against fraudulent or unauthorized activities

5. Data Sharing and Disclosure

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

  • Service Providers: With trusted third parties who help us operate our services (e.g., hosting providers, payment processors)
  • Legal Requirements: When required by law, court order, or governmental authority
  • Business Transfers: In connection with a merger, acquisition, or sale of assets
  • With Your Consent: When you have explicitly agreed to the sharing of your information

6. Data Security

We implement appropriate security measures to protect your information against unauthorized access, alteration, disclosure, or destruction. These measures include:

  • Encryption of sensitive data
  • Regular security assessments and audits
  • Access controls to limit data access to authorized personnel
  • Secure data storage practices

However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

7. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

  • Access to your personal information
  • Correction of inaccurate or incomplete information
  • Deletion of your personal information
  • Restriction or objection to processing
  • Data portability
  • Withdrawal of consent

To exercise these rights, please contact us using the information provided at the end of this policy.

8. Cookies and Similar Technologies

We use cookies and similar tracking technologies to enhance your experience on our website and collect information about how you interact with our services. You can adjust your browser settings to refuse cookies, but this may limit functionality of some features.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected personal information from a child, we will take steps to delete that information as quickly as possible.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence, where data protection laws may differ. We implement appropriate safeguards to protect your information when transferred internationally.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or for legal, operational, or regulatory reasons. We will notify you of any material changes through our website or by other means.

12. Premium and Free Services

We offer both premium services (like the Wallets App - Portfolio Rebalancer) and free services (like the InfinitePay CSV to OFX Converter). The data collection and processing practices may differ between these services:

  • Premium services may collect additional data necessary for subscription management
  • Free services may display advertisements from third parties
  • We clearly indicate what data is collected for each service

13. Third-Party Links

Our services may contain links to third-party websites or services that are not owned or controlled by Vitalf. We are not responsible for the privacy practices or content of such third parties. We encourage you to review the privacy policies of these third parties.

14. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When determining retention periods, we consider:

  • The amount, nature, and sensitivity of the information
  • The potential risk of harm from unauthorized use or disclosure
  • The purposes for which we process the information
  • Legal, regulatory, and contractual requirements

15. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us through the information provided on our website.