Privacy Policy

Last updated: 22 September 2025

PensioTec (“we,” “our,” “us”) values your trust. This Privacy Policy explains how we collect, use, and protect your personal data in compliance with the EU General Data Protection Regulation (GDPR), UK GDPR, and the Swiss Federal Act on Data Protection (FADP).

1. Data We Collect

We collect only what is necessary, including:

  • Account information: name, email, login details.

  • Financial and transaction data: when you use our platform.

  • Usage data: interactions with our website, app, or services.

  • Optional data: feedback, surveys, or support requests.

2. How We Use Your Data

We use your personal data to:

  • Provide and improve our services.

  • Process payments and transactions.

  • Communicate with you about updates, offers, and support.

  • Ensure platform security and prevent fraud and money laundry.

  • Comply with legal obligations.

3. Legal Basis for Processing

We process data under GDPR, UK GDPR, and Swiss FADP on the basis of:

  • Your consent.

  • Contract necessity (to provide services you request).

  • Legitimate interests (to improve and secure our services).

  • Legal compliance.

4. Sharing Your Data

We do not sell your personal data. We may share it with:

  • Trusted service providers who support our operations (e.g., hosting, payments).

  • Legal authorities when required by law.

  • Partners only with your explicit consent.

5. International Transfers

If your data is transferred outside Switzerland, the UK, or the EU, we ensure safeguards such as Standard Contractual Clauses or equivalent protections.

6. Data Retention

We keep your personal data only as long as necessary to provide services or meet legal requirements. When no longer needed, data is securely deleted.

7. Your Rights

You have the right to:

  • Access, correct, or delete your data.

  • Restrict or object to processing.

  • Data portability.

  • Withdraw consent at any time.

  • File a complaint with your local data protection authority.

8. Security

We use encryption, secure storage, and technical safeguards to protect your data. However, no system is 100% secure, and we encourage you to protect your account credentials.

9. Children’s Privacy

Our services are not directed to children under 16. We do not knowingly collect data from children without parental consent.

10. Updates

We may update this Privacy Policy. Changes will be posted here with a revised “Last updated” date.

11. Contact Us

For questions or requests about your data, contact us at Contact above.

Term & Conditions

Last updated: 22 September 2025

Welcome to PensioTec. By accessing or using our website, applications, and services (“Services”), you agree to these Terms & Conditions. Please read them carefully.

1. Who We Are

PensioTec Ltd (“PensioTec,” “we,” “our,” “us”) is a company based in Cambridge, United Kingdom. PensioTec Ltd is incorporated in Cambridge, United Kingdom. We are in the process of pursuing required fintech licensing and incorporation in Switzerland and Indonesia.

2. How We Use Your Data

We use your personal data to:

  • Provide and improve our services.

  • Process payments and transactions.

  • Communicate with you about updates, offers, and support.

  • Ensure platform security and prevent fraud and money laundry.

  • Comply with legal obligations.

3. Accounts

  • You are responsible for maintaining the confidentiality of your account and login details.

  • You agree to provide accurate and up-to-date information when creating an account.

  • You are responsible for all activities under your account.

4. Purchases and Payments

  • Some Services may require payment. Prices will be displayed before you confirm a purchase.

  • Unless otherwise stated, purchases are one-time only (not subscriptions).

  • All payments are final, except where refunds are required by law or explicitly offered by us.

5. Intellectual Property

  • All content, trademarks, designs, and technology provided through our Services are owned by PensioTec or our licensors.

  • You may not copy, modify, distribute, or use our intellectual property without prior written consent.

6. Data Protection & Privacy

Your use of our Services is subject to our Privacy Policy, which explains how we collect, use, and protect your personal data in compliance with UK GDPR, EU GDPR, and the Swiss FADP.

7. Disclaimers

  • Our Services are provided “as is” and “as available.”

  • We do not guarantee uninterrupted or error-free Services.

  • We are not liable for any indirect, incidental, or consequential damages arising from your use of our Services.

8. Limitation of Liability

To the maximum extent permitted by law, PensioTec’s total liability for any claims related to our Services is limited to the amount you paid us for the Services.

9. Governing Law & Jurisdiction

  • These Terms are governed by the laws of England and Wales.

  • Disputes will be subject to the exclusive jurisdiction of the courts of England and Wales, unless otherwise required by mandatory consumer protection laws.

10. Changes to Terms

We may update these Terms from time to time. Changes will take effect when posted on our website with a new “Last updated” date. Continued use of our Services means you accept the updated Terms.

11. Contact Us

For questions or requests about the Terms, contact us at Contact above.