Privacy Policy

Accrue ("we", "us", or "our") is committed to protecting your privacy and personal data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

This Privacy Policy explains what information we collect, how we use it, and your rights regarding your personal data. By using Accrue, you agree to the collection and use of information as described in this policy.

Account Information

• Email address (for account creation and communications)
• Password (stored encrypted)
• Account preferences and settings

Trading Data

• Options trades (date, type, strike, expiry, premium)
• Share acquisitions and disposals
• Foreign exchange rates you enter
• Portfolio metrics (starting capital, returns)

Usage Information

• Log data (IP address, browser type, pages visited)
• Device information
• Session data and access times

Payment Information

We use Stripe to process subscription payments. We do not store your full credit card details. Stripe collects and processes payment information in accordance with their privacy policy and PCI DSS compliance standards.

We process your personal data for the purposes below, based on the following legal bases under UK GDPR. This table links each data category to its specific uses and justifications.

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

• Contract: Processing necessary to provide the service you subscribed to
• Legitimate interests: Improving our service, preventing fraud, and maintaining security
• Legal obligation: Complying with tax, accounting, and legal requirements
• Consent: Marketing communications (where applicable and with your explicit consent)

We share data only with:

• Stripe: Payment processing (subscription billing)
• Hosting providers: Secure cloud infrastructure for data storage
• Service providers: Essential technical services (with data processing agreements in place)
• Legal authorities: When required by law or to protect our rights

All third-party providers are carefully selected and bound by data protection agreements that ensure your information is handled securely and in compliance with UK GDPR.

Essential Cookies

We use essential cookies to maintain your login session and ensure the service functions correctly. These are necessary for the website to work and cannot be disabled.

Analytics (Optional)

We may use analytics tools to understand how users interact with Accrue and improve the service. Where applicable, we will obtain your consent before setting non-essential cookies.

We implement industry-standard security measures to protect your data:

• Data encrypted in transit (TLS/SSL)
• Data encrypted at rest in our databases
• Password hashing with modern cryptographic algorithms
• Regular security audits and updates
• Access controls and authentication
• Secure hosting infrastructure

While we take all reasonable precautions, no method of electronic storage is 100% secure. We cannot guarantee absolute security but continuously work to protect your information.

Active Accounts

We retain your data for as long as your account is active and you continue using Accrue.

After Cancellation

If you cancel your subscription, we retain your data for 90 days in case you wish to reactivate. After this period, your data is permanently deleted unless you request earlier deletion.

Legal Requirements

Some data may be retained longer if required by law, for example to comply with accounting or tax regulations (typically 6-7 years for financial records).

You have the following rights regarding your personal data:

Your data is primarily stored and processed within the UK and European Economic Area (EEA). If we transfer data outside these regions, we ensure appropriate safeguards are in place (such as Standard Contractual Clauses) to protect your information in accordance with UK GDPR.

Accrue is not intended for individuals under the age of 18. We do not knowingly collect personal data from children. If you believe we have inadvertently collected information from a child, please contact us immediately so we can delete it.

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Material changes will be notified via email or a prominent notice on our website. The "Last updated" date at the top indicates when changes were last made.

Your continued use of Accrue after changes constitutes acceptance of the updated policy.

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

Complaints

You have the right to lodge a complaint with the Information Commissioner's Office (ICO), the UK supervisory authority for data protection: