Privacy Policy

Effective 21 October 2026

Privacy Policy

Version 1.1, effective 21 October 2026

1. Who we are

Peasy Financial Ltd, trading as Peasy, is the controller of the personal information we handle to operate the Peasy financial health platform. We are registered in England and Wales with company number 17486535 and registered office at 4–6 Greatorex Street, London, E1 5NF. Contact daniel@joinpeasy.com about privacy or your data rights.

2. Information we collect

Account and profile information, including your name, email, sign in identifiers, username, date of birth, the UK nation you live in, the first part of your postcode (for example SW12, never your full postcode or address), photo and goals.

Financial information you enter, such as income, spending, savings, debts, property, pensions, investments, dependants and insurance.

If you connect a bank, the account information you authorise, including account details, balances and transactions. We never receive your banking password.

Information generated by Peasy, such as your scores, transaction classifications, score history and action progress, together with your social activity, preferences, notification settings, device push tokens and technical and security logs.

3. How we use your information

To create and run your account, build your financial picture, provide guidance and social features, manage bank connections and respond to you. This is necessary to perform our contract with you.

To keep Peasy secure, prevent fraud, fix problems and improve our services and scoring models, using aggregated or anonymised information where possible. This is based on our legitimate interests.

For optional research and any marketing that requires consent, based on your consent. To meet legal obligations, based on legal requirements.

4. Research and benchmarks

Peasy carries out financial health research, builds statistical models and creates benchmarks using anonymised and aggregated information, including modelled profiles based on patterns across real users. Anonymised information cannot be used to identify you.

Separate optional research choices are available in Privacy and data. They do not affect your access to Peasy or your Financial Health Score. Research results are published only in aggregated or anonymised form.

Where location is used in research, statistics or internal reporting, it is only ever shown at postcode district level (for example SW12) or broader, and never for groups small enough to identify someone.

5. Scores and profiling

Peasy analyses your information to calculate scores, classify transactions and select Priority Areas and Suggested Actions. You can update your information or ask us to review a result. Peasy does not use your score to make decisions with legal or similarly significant effects, such as approving credit.

6. Who we share information with

Service providers that help us run Peasy, including hosting and database providers, our Open Banking provider TrueLayer, Apple and Google for sign in, app store and notification services, and speech providers for spoken explanations. They may only use your information to provide services to us.

Other Peasy users, only as allowed by your social sharing settings. We never share your bank transactions with other users.

Authorities or others where required by law, to protect our legal rights, or as part of a business transfer with appropriate safeguards. We never sell your personal information.

7. International transfers and security

Some providers may process information outside the UK. Where they do, we use appropriate safeguards such as UK adequacy regulations or the UK International Data Transfer Agreement. Contact us for details.

We use access controls, encryption and secure providers to protect your information. Please keep your device and sign in details secure.

8. Cookies and device storage

Peasy uses essential browser and device storage to keep you signed in, remember your preferences and support features such as spoken explanations. We do not use advertising cookies. If we introduce optional analytics or tracking, we will ask for your consent first.

9. How long we keep information

We keep your information while your account is active and for as long as needed for the purposes described in this policy. When you delete your account, we delete your personal information except where we must keep limited records for legal, security or dispute purposes. Removing a bank connection stops future access.

10. Your rights

You have the right to access, correct, delete, restrict or object to the use of your information, to receive a portable copy, and to withdraw consent at any time.

To request your data, use Request my data in Privacy and data or email daniel@joinpeasy.com. We aim to email your information to your account address within 48 hours, and always within 1 month. We may need to verify your identity first.

11. Children

Peasy is only for adults aged 18 or over. If you believe a child has created an account, please contact us.

12. Complaints and changes

You can complain to us at daniel@joinpeasy.com or to the Information Commissioner’s Office at ico.org.uk.

We may update this policy from time to time. We will show the current version and tell you about material changes.