Privacy Policy

1. Introduction

Calm Sprout ("we," "our," or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website calm-sprout.com or use our UK bank account assistance services.

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

• Name, email address, phone number, and mailing address
• Date of birth and nationality
• Financial information relevant to bank account applications
• Employment details and income information
• Identity documents and proof of address
• Communication records and correspondence

2.2 Technical Information

We automatically collect certain technical information, including:

• IP address and browser type
• Device information and operating system
• Website usage data and analytics
• Cookies and similar tracking technologies

3. How We Use Your Information

We use your personal information for the following purposes:

• Providing UK bank account assistance services
• Communicating with you about your application and our services
• Preparing and submitting bank account applications
• Conducting due diligence and compliance checks
• Improving our services and website functionality
• Complying with legal and regulatory obligations
• Marketing our services (with your consent)

4. Legal Basis for Processing

Under the UK GDPR, we process your personal data based on:

• Contract: To fulfill our obligations under our service agreement with you
• Legitimate interests: To operate our business and improve our services
• Legal obligation: To comply with regulatory requirements
• Consent: Where you have given explicit consent for specific processing activities

5. Information Sharing and Disclosure

We may share your information with:

• Banks and financial institutions: As necessary for account opening processes
• Service providers: Third parties who assist in delivering our services
• Legal authorities: When required by law or to protect our rights
• Professional advisors: Lawyers, accountants, and other professionals

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

6. Data Security

We implement appropriate technical and organizational measures to protect your personal information, including:

• Encryption of sensitive data in transit and at rest
• Access controls and authentication mechanisms
• Regular security assessments and updates
• Staff training on data protection and security
• Secure document handling and storage procedures

7. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services to you
• Comply with legal and regulatory requirements
• Resolve disputes and enforce our agreements
• Maintain business records for operational purposes

Typically, we retain client data for 7 years after the completion of services, unless a longer retention period is required by law.

8. Your Rights

Under UK data protection law, you have the following rights:

• Right of access: Request a copy of your personal data
• Right to rectification: Correct inaccurate personal data
• Right to erasure: Request deletion of your personal data
• Right to restrict processing: Limit how we use your data
• Right to data portability: Receive your data in a structured format
• Right to object: Object to processing based on legitimate interests
• Right to withdraw consent: Where processing is based on consent

To exercise these rights, please contact us using the details provided below.

9. Cookies and Tracking

Our website uses cookies and similar technologies to:

• Ensure proper website functionality
• Analyze website usage and performance
• Personalize your experience
• Provide targeted marketing (with consent)

You can manage your cookie preferences through our cookie banner or your browser settings. Please see our Cookie Policy for more details.

10. International Transfers

Your personal information may be transferred to and processed in countries outside the UK. We ensure appropriate safeguards are in place, including:

• Adequacy decisions by the UK government
• Standard contractual clauses
• Other approved transfer mechanisms

11. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or applicable law. We will notify you of significant changes by:

• Posting the updated policy on our website
• Sending you an email notification
• Providing notice through our services

12. Contact Information

If you have questions about this Privacy Policy or wish to exercise your rights, please contact us:

13. Complaints

If you believe we have not handled your personal information in accordance with this policy, you have the right to lodge a complaint with the Information Commissioner's Office (ICO):