Privacy Policy for Financcio

1. Who we are

Financcio is a UK-based digital bookkeeping service offering services such as bank statement reconciliation, VAT returns, and other financial admin support for small businesses, freelancers, and startups.

For data protection purposes, Financcio is the "data controller" of your personal information.

2. What information we collect

We may collect and process the following types of data:

A. Personal Data you provide

• Full name
• Email address
• Phone number
• Business name and address
• Financial documents and records
• Payment information (handled securely via third-party processors)

B. Automatically collected data

• IP address
• Browser type and version
• Device information
• Cookies and usage data (as the banner outlies)

3. How we use your information

We use your data to:

• Provide and manage bookkeeping services
• Respond to enquiries and communicate with you
• Process invoices and payments
• Comply with legal and tax obligations
• Improve our website and services
• If we are providing payroll services, personal data of employees will need to be held for PAYE purposes

We do not use your data for unsolicited marketing, and we never sell your data to third parties.

4. Lawful bases for processing

We process your data under one or more of the following lawful bases:

• Your consent (e.g. newsletter signups)
• Performance of a contract (e.g. providing bookkeeping services)
• Legal obligation (e.g. recordkeeping for HMRC)
• Legitimate interest (e.g. website analytics)

5. How we store and protect your data

• Data is stored securely in encrypted systems and cloud environments
• Access is restricted to authorised personnel only
• We retain client records only as long as necessary for legal and service purposes (6 years for financial data)

6. Your rights

Under the UK GDPR, you have the right to:

• Access your personal data
• Correct inaccurate data
• Request deletion ("right to be forgotten")
• Restrict or object to processing
• Withdraw consent at any time (for consent-based processing)

To exercise any of these rights, contact: info@financcio.co.uk via email or 01252 214103 via phone.

7. Third-Party Services

We may use trusted third-party tools for:

• Cloud storage and backups
• Payment processing
• Email communication
• Analytics (e.g., Google Analytics)

These services may process data outside the UK, but only in countries with appropriate safeguards (e.g. EU adequacy decisions or standard contractual clauses).

8. Cookies

We use cookies to enhance user experience and analyse traffic.

Please refer to our Cookie Policy via Usercentrics for more information about how cookies are used and how you can manage them.

9. Links to Other Websites

Our website may contain links to external sites. We are not responsible for the privacy practices or content of those sites.

10. Changes to this Privacy Policy

We may update this privacy policy from time to time. All changes will be posted on this page with a revised "Last Updated" date.

11. Contact

For any queries, contact: info@financcio.co.uk via email or 01252 214103 via phone.