Privacy policy

Last updated

12 March 2026

Who we are

Planiva (“we”, “us”) provides personal financial planning tools and a scenario workbench for exploring and organising financial decisions. The service may include planning tools for areas such as cashflow, retirement, tax, capital gains and disposal planning, estate planning and other related topics over time. We are the controller of personal data processed through the service.

What information we collect

• Account data: email address and authentication identifiers (via our authentication provider).
• Planning data you enter: information you input into the service, including financial details, assets, liabilities, income, pensions, savings, spending, tax-related information, estate-related information, assumptions, scenario data, and optional profile details such as names, gender, current age, date of birth, contact email, contact phone, relationship details and free-text notes where you choose to provide them.
• Related-person and planning records: where you use features that involve other people or linked records, this may include information such as partner details, executor and beneficiary details, gift records, property descriptions or address details, document-location notes, and pension nomination information.
• Usage and technical data: basic information about how you use the service (for example feature usage, pages viewed, timestamps, device and browser information, IP address, and error logs). We use this mainly for security, troubleshooting, and improving the service.
• Contact requests: if you contact us through the site, we collect the information you submit such as your name, email address and message.

If you enter someone else's information

If you input information relating to another person (for example a partner or a client), you confirm you have the right to provide that information and to allow us to process it in accordance with this policy.

How we use your information

We use personal data to:

• Provide the service, including planning tools, account features, saving and loading scenarios.
• Maintain security, prevent abuse and troubleshoot problems.
• Improve the service, including developing new tools and features and understanding how the service is used.
• Communicate with you about the service, including account notices, security messages, feature updates, and changes to the service.
• Personalise the service, for example by using profile names to label and display scenarios and profiles.
• Provide personalised calculations, projections, comparisons and scenario outputs based on the information you enter, including applying default assumptions where relevant to the tool you are using.

Emails and marketing

We may send you emails in the following categories:

• Service emails (essential): for example account verification, passwordless sign-in links (if used), security notices, important changes, and messages needed to operate the service. You cannot opt out of these while you keep an account, because they are required to provide the service.
• Product and update emails (non-essential): for example beta updates, new features, surveys, and announcements.

You can opt out of non-essential emails at any time by using the unsubscribe link (where included) or by contacting us through our contact page. If you opt out, we may still send essential service emails.

Cookies and similar technologies

We use cookies and similar technologies to operate the service.

You can also review our dedicated Cookies page for a summary of how cookie settings work in Planiva.

Strictly necessary cookies

We use authentication and session cookies to keep you signed in and to protect your account. These are required for the service to work. Some of these cookies are set by our authentication provider (Clerk).

Preferences and local storage

We may use browser storage such as localStorage or sessionStorage to remember preferences or to help you continue an in-progress session. If we enable this for specific features, we will do so only where it is helpful, and we will keep the stored data to the minimum necessary.

We also store your cookie consent choice so we can remember whether analytics cookies have been accepted or rejected on that browser.

Analytics and marketing cookies

We do not use advertising cookies. We may use analytics technologies, including Google Analytics, to help us understand how visitors use the website and app, measure feature usage, and improve the service. We ask for consent before setting non-essential analytics cookies or similar technologies.

If you reject analytics cookies, Google Analytics will not be loaded and analytics cookies will not be set. Strictly necessary cookies required for authentication, security, and core service operation will continue to function.

You can change your choice at any time using the `Cookie settings` link in the footer.

Your choices

Some fields are optional, such as gender, profile names, contact details for linked people, certain notes, and other non-essential planning details. If you choose not to provide optional fields, we will use generic defaults where defaults are needed for a feature. You can update these details in the service at any time.

Lawful bases

We process personal data under one or more lawful bases, typically:

• Contract (to provide the service you request), and/or
• Legitimate interests (to operate, secure, and improve the service, and to communicate with users about product updates).

Where required, we will rely on consent for specific types of communications.

Automated decision-making

We do not use your personal data to make solely automated decisions that produce legal or similarly significant effects. The service produces calculations, projections and other planning outputs for information purposes only, based on the data and assumptions you provide.

Anonymised and aggregated data

We may create and use anonymised and/or aggregated data derived from use of the service (for example usage trends, typical scenario parameters, feature adoption, and high-level outcome statistics). We may use this for product improvement, analytics, benchmarking, research, reporting, and commercial purposes, including sharing with third parties.

This may include aggregated demographic analysis (for example grouped statistics by age band and gender), provided it is anonymised and individuals are not identifiable.

We only treat data as anonymised where it is processed so that individuals are not (or are no longer) identifiable. If data is not truly anonymised, it remains personal data and we treat it accordingly.

Free-text fields intended for personalisation (such as profile names) are not included in any anonymised or aggregated datasets we share.

Who we share data with

We may share data with:

• Service providers that help us run the service (for example authentication, hosting, analytics, and support tooling). They process data on our instructions where applicable.
• Third parties who receive anonymised or aggregated data as described above.

We do not share personal data with third parties for their own direct marketing purposes without your consent.

International transfers

Some service providers may process data outside the UK/EEA. Where required, we use appropriate safeguards.

How long we keep data

We keep account data and planning data for as long as you maintain an account, and for a reasonable period afterwards where needed for security, legal, or operational purposes. This may include scenario records, linked-person records, notes, contact requests and support-related communications for a limited period where necessary. You can delete scenarios and request account deletion. We may retain anonymised and aggregated data.

Your rights

Depending on your circumstances, you may have rights including access, rectification, deletion, objection, restriction, and portability. You also have the right to complain to the ICO.

Children

The service is not intended for children. We do not knowingly collect personal data from children. If you believe a child has provided personal data to us, please contact us through our contact page and we will take steps to delete it.

Security

We use reasonable technical and organisational measures to protect information. No system is completely secure.

Changes

We may update this policy from time to time. We will post the latest version on this page.

Contact

If you have questions or want to exercise your rights, please use our contact page