Privacy Policy
Last updated: 22 July 2025
1. Introduction
Fusion Ray ("we", "our", or "us") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, store, and protect your information when you use our family budget management services and visit our website at fusion-ray.com.
We are based in the United Kingdom and comply with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.
2. Information We Collect
2.1 Personal Information
We may collect the following personal information:
- Name and contact details (email address, phone number, postal address)
- Financial information relevant to budget management services
- Income and expenditure details
- Debt and asset information
- Family composition and circumstances
- Communication records and correspondence
2.2 Technical Information
We automatically collect technical information when you visit our website:
- IP address and location data
- Browser type and version
- Device information
- Website usage patterns and analytics
- Cookies and similar technologies
3. How We Use Your Information
We use your personal information for the following purposes:
- Providing family budget management services and consultations
- Creating personalized financial plans and recommendations
- Communicating with you about our services
- Processing payments and managing your account
- Improving our services and website functionality
- Complying with legal and regulatory requirements
- Marketing our services (with your consent)
4. Legal Basis for Processing
We process your personal information based on:
- Contract: To perform our budget management services
- Legitimate interests: To improve our services and communicate with clients
- Consent: For marketing communications and non-essential cookies
- Legal obligation: To comply with financial regulations and legal requirements
5. Information Sharing
We do not sell your personal information. We may share your information in the following circumstances:
- With your explicit consent
- With trusted service providers who assist us in delivering our services
- With regulatory authorities when required by law
- In case of business sale or merger (with appropriate protections)
- To protect our legal rights or prevent fraud
6. Data Security
We implement appropriate technical and organizational security measures to protect your personal information:
- Encryption of sensitive data in transit and at rest
- Regular security assessments and updates
- Access controls and staff training
- Secure data storage and backup procedures
- Regular monitoring for security breaches
7. Data Retention
We retain your personal information for as long as necessary to:
- Provide our services and maintain your account
- Comply with legal and regulatory requirements
- Resolve disputes and enforce agreements
Generally, we retain client information for 7 years after the end of our business relationship, in line with UK financial services regulations.
8. Your Rights
Under UK GDPR, you have the following rights:
- Access: Request a copy of your personal information
- Rectification: Correct inaccurate or incomplete information
- Erasure: Request deletion of your personal information
- Restriction: Limit how we process your information
- Portability: Receive your data in a structured format
- Objection: Object to processing based on legitimate interests
- Withdraw consent: Withdraw consent for processing where applicable
9. Cookies
Our website uses cookies to enhance your experience. We use:
- Essential cookies: Required for website functionality
- Analytics cookies: To understand website usage and improve our services
- Marketing cookies: To provide relevant advertising (with consent)
You can manage your cookie preferences through our cookie banner or browser settings. For more details, see our Cookie Policy.
10. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of these websites. We encourage you to read their privacy policies.
11. Children's Privacy
Our services are not intended for children under 16. We do not knowingly collect personal information from children under 16 without parental consent.
12. International Transfers
We primarily store and process your data within the UK. If we transfer data internationally, we ensure appropriate safeguards are in place to protect your information.
13. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of significant changes by email or through our website. The updated policy will be effective from the date indicated at the top of the policy.
14. Contact Us
If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us:
15. Supervisory Authority
If you are not satisfied with our response to your privacy concerns, you have the right to lodge a complaint with the Information Commissioner's Office (ICO):