Privacy Policy

Background

CHATTERR LTD understands that your privacy is important to you and that you care about how your personal data is used and shared online. We respect and value the privacy of everyone who visits this website, www.joinprospera.com ("Our Site") and will only collect and use personal data in ways that are described here, and in a manner that is consistent with Our obligations and your rights under the law.

1. Definitions and Interpretation

In this Policy, the following terms shall have the following meanings:

• "Account" means an account required to access and/or use certain areas and features of Our Site;
• "Cookie" means a small text file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site;
• "Cookie Law" means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003;
• "Personal Data" means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data;
• "We/Us/Our" means CHATTERR LTD, a limited company registered in England under company number 14646730.

2. Information About Us

2.1 Our Site is owned and operated by CHATTERR LTD, a limited company registered in England under company number 14646730, whose registered address is C/O Clka Consulting Ltd 1 Wellington Road, Swinton, Manchester, England, M27 4BR.

2.2 Our Data Protection Officer can be contacted by email at hello@joinprospera.com, or by post at the address above.

3. What Does This Policy Cover?

This Privacy Policy applies only to your use of Our Site. Our Site may contain links to other websites. Please note that We have no control over how your data is collected, stored, or used by other websites and We advise you to check the privacy policies of any such websites before providing any data to them.

4. Your Rights

• The right to be informed about Our collection and use of personal data
• The right of access to the personal data We hold about you
• The right to rectification if any personal data We hold about you is inaccurate or incomplete
• The right to be forgotten – i.e. the right to ask Us to delete any personal data We hold about you
• The right to restrict the processing of your personal data
• The right to data portability
• The right to object to Us using your personal data for particular purposes
• Rights with respect to automated decision making and profiling

5. What Data Do We Collect?

Personal Data will primarily be collected from you directly. However, some Personal Data may, where lawful to do so, be collected by CHATTERR LTD from third parties or publicly available information about you.

• Title
• Name
• Date of Birth
• Email Address
• Telephone number
• Open banking connection data
• Business/company name
• Job title
• IP address
• Web browser type and version
• Operating system

6. How Do We Use Your Data?

Personal Data about our customers is an important part of our business and we shall only use your Personal Data for the following purposes and shall not keep such Personal Data longer than is necessary to fulfil these purposes:

• To help us to identify you when you contact us
• To help us to identify accounts, services and/or products which you could have from us or selected partners
• Providing and managing your Account
• Providing and managing your access to Our Site/Portal
• Personalising and tailoring your experience on Our Site/Portal
• Supplying Our services to you
• Personalising and tailoring Our services for you
• Replying to emails from you
• Market research
• Analysing your use of Our Site and gathering feedback

7. AI-Powered Savings Insights (No Regulated Advice)

Our service uses AI to analyse the banking and transaction data you provide so we can highlight ways you might reduce day-to-day spending and boost savings. It does not give regulated financial advice, does not make legal determinations, and will never make decisions that have legal or similarly significant effects on you.

Purpose and legal basis

We process your financial data on the basis of your explicit consent and our legitimate interest in providing personal-finance wellness tools. Specifically, our AI:

• reviews your transaction history to identify recurring or avoidable costs;
• surfaces possible discounts, cashback offers, and earning opportunities; and
• presents personalised tips to help you set and reach savings goals.

Types of data processed

Transaction descriptions and amounts, account balances, payment schedules, merchant names, and similar information obtained via secure Open Banking connections.

Automated processing & your rights

All AI outputs are recommendations only. You decide whether to act on them. No decision with legal or significant effect is taken solely by the system. You may request human review, give feedback, or contest any output at any time.

Fairness, transparency & security

Our models are audited to minimise bias and ensure fair treatment of all users. Processing occurs in encrypted environments that meet UK banking-grade security standards. We follow data-minimisation principles and keep raw transaction data only as long as necessary to deliver the service, after which it is securely deleted or irreversibly anonymised (see section 8).

13. Our Use of Cookies

Our Site may place and access certain first party Cookies on your computer or device. First party Cookies are those placed directly by Us and are used only by Us. We use Cookies to facilitate and improve your experience of Our Site and to provide and improve Our products and services.

Before Cookies are placed on your computer or device, you will be shown a pop-up requesting your consent to set those Cookies. By giving your consent to the placing of Cookies you are enabling Us to provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of Cookies; however certain features of Our Site may not function fully or as intended.

14. Contacting Us

If you have any questions about Our Site or this Privacy Policy, please contact Us by email at hello@joinprospera.com, or by post at CHATTERR LTD, C/O Clka Consulting Ltd 1 Wellington Road, Swinton, Manchester, England, M27 4BR. Please ensure that your query is clear, particularly if it is a request for information about the data We hold about you.

15. Changes to Our Privacy Policy

We may change this Privacy Policy from time to time (for example, if the law changes). Any changes will be immediately posted on Our Site and you will be deemed to have accepted the terms of the Privacy Policy on your first use of Our Site following the alterations. We recommend that you check this page regularly to keep up-to-date.