Personal privacy notice

This notice explains how Y Invest Holdings Ltd ("we", "us") handles personal data when you use Compass Cashflow Personal. We are the controller of your Personal account and of the household plan you enter.

Y Invest Holdings Ltd, company number 16848581, registered office 41b-41d North Side Wandsworth Common, London, England, SW18 2SU. Email nick@yinvest.ai. We are registered with the Information Commissioner's Office, registration number ZC082252. We are a software supplier and are not authorised or regulated by the Financial Conduct Authority.

What Personal is

Illustration only, not advice. Y Invest Holdings Ltd is not authorised or regulated by the FCA. These figures are not guaranteed. This tool is not for deciding on a defined benefit pension transfer or equity release. For free guidance see MoneyHelper. Pension Wise is free if you are 50 or over.

What we collect

• Account details: your name, email address, and the sign-in secret held by our authentication provider.
• The plan you enter, which can include a partner's name and a child's first name and Junior ISA if you add them.
• Questions you type into help. The reply is not stored.
• A note you send from "Tell us what confused you".
• A strictly necessary session cookie so you can stay signed in. We do not use analytics cookies.
• Technical logs, such as an IP address, to run and protect the service.

Why we use it

We use this data to provide the free tool, to confirm your email, to keep the account secure, and to reply if you write to us. The lawful bases are steps towards a contract and performing that contract, and our legitimate interest in keeping the service secure. We do not send marketing email. Sign-up does not take a card, and Personal accounts are not billed.

Who we share it with

We do not sell personal data. Suppliers:

• Supabase, for the database and sign-in, in London (AWS eu-west-2).
• Vercel, to host the app in London (lhr1).
• Resend, to send authentication email, such as confirming your address. The region is EU, eu-west-1 (Ireland). The From address is hello@compasscashflow.co.uk. Personal accounts do not receive trial reminder emails.
• OpenAI, when help is available. It receives the question you type and the short help documents. It does not receive your plan figures or your email address.
• Cloudflare, for the sign-up check when it is switched on. It receives the check token, not your plan.

How long we keep it

If you do not confirm your email, the account is deleted after 7 days. We do not email you about that deletion. While you use the account, we keep the plan. You can delete the account in the product. That removes the account, the plan and stored help questions. A message you email to us is kept for as long as we need to reply, then deleted.

Children

Personal is not for anyone under 18. A child's name in a plan is information the adult typed in. There is no child login.

Your rights

Under UK data protection law you can ask to access, correct or delete personal data, object to or restrict how it is used, and ask for a copy. Email nick@yinvest.ai. You can also complain to the Information Commissioner's Office at ico.org.uk.

This website

The marketing site is static. It sets no cookies and uses no analytics. The firm privacy notice at Privacy notice covers adviser accounts, where the firm is the controller of client plans.

Contact

Y Invest Holdings Ltd, 41b-41d North Side Wandsworth Common, London, England, SW18 2SU. Company number 16848581. ICO registration ZC082252. Email nick@yinvest.ai.