Privacy Policy

Last updated: 5 July 2026

Valo Limited (“Valo”, “we”, “us”, “our”) operates the Valo Assist mobile application (the “App”). This Privacy Policy explains how we handle information when you use the App.

We are committed to protecting your privacy. Valo Assist is designed to provide financial guidance, tools and support for military personnel. The App does not require you to create an account.

If you have questions about this policy, contact us at Peter.Campbell@valolimited.co.uk.

1. Who we are

Data controller: Valo Limited
Contact email: Peter.Campbell@valolimited.co.uk

For data protection enquiries, you may contact us using the details above.

2. Information we collect

2.1 Information you provide

Valo Assist does not ask you to register or log in. We do not routinely collect personal information such as your name, email address or phone number through the App itself.

If you choose to contact a Valo representative using links in the App (for example email or phone links), that communication is handled by your device’s email or phone app. We only receive information you choose to send us through those channels.

2.2 Information collected automatically

Based on the current version of the App, we do not use advertising trackers, analytics SDKs, or similar tools to profile you or track your activity across other apps and websites.

The App may store small amounts of technical information on your device (for example app preferences using standard device storage such as User Defaults on iOS) so the App can function correctly. This stays on your device and is not used to identify you.

Apple or Google may collect limited diagnostic or crash information when you download or use the App through their app stores. That collection is governed by Apple’s or Google’s own privacy policies, not this one.

2.2a Website download page

Our public download / QR landing page on this website (for example get.html) may use Google Analytics to understand how many people visit the page and whether they go to the App Store or Google Play (including automatic redirects from phones). This can include standard web analytics such as approximate location (country/city level), device type, and browser information. It is used only to measure interest in Valo Assist, not to sell advertising. Google’s processing of this data is described in Google’s privacy policy.

2.3 Location and map search

The App includes a UK rep territory map. When you search for a place or postcode, the search term you enter may be sent to third-party services so the map can find a location:

• postcodes.io — UK postcode and place lookup
• OpenStreetMap Nominatim — geographic search for locations in the UK and Crown Dependencies

We do not receive or store these search queries on our own servers. They are sent directly from your device to those services. Please review their privacy policies:

• postcodes.io
• OpenStreetMap / Nominatim

The App does not access your device’s GPS location unless a future version explicitly asks for your permission and updates this policy.

3. How we use information

We use information only as needed to:

• provide App features (guidance content, tools, support links, rep map);
• respond to enquiries you send us voluntarily;
• maintain and improve the App;
• comply with legal obligations.

We do not sell your personal information.

4. Third-party content and websites

The App links to or displays content from trusted third parties, which may include:

• government and public-sector websites (for example GOV.UK, MoneyHelper);
• partner organisations referenced within the App;
• PDF documents and external tools opened in your device browser or PDF viewer.

When you open an external link, you leave the App (or view the page in an in-app browser). Those third parties may collect and use information according to their own privacy policies. We are not responsible for their practices.

5. Legal basis (UK GDPR)

Purpose	Legal basis
Providing the App and its features	Legitimate interests — delivering a support tool for military personnel
Responding to enquiries you send us	Legitimate interests / performance of a contract (where applicable)
Complying with law	Legal obligation

6. How long we keep information

We do not retain personal data collected through normal use of the App on our systems, because we do not collect it centrally in the current version.

If you contact us directly, we keep correspondence only as long as needed to respond and for reasonable business, legal or regulatory purposes.

7. Sharing your information

We do not share personal information with third parties except:

• service providers who help us operate our business, under appropriate confidentiality and data protection terms;
• third-party websites and services you choose to access through the App;
• authorities or others where required by law or to protect legal rights.

We do not share information for third-party marketing.

8. International transfers

Some third-party services may process data outside the UK. Where this occurs, we expect appropriate safeguards to be in place where required by law.

9. Your rights

Under UK data protection law, you may have the right to:

• access personal data we hold about you;
• request correction or erasure;
• object to or restrict certain processing;
• data portability (where applicable);
• withdraw consent (where processing is based on consent);
• lodge a complaint with the Information Commissioner’s Office (ICO).

To exercise your rights, contact Peter.Campbell@valolimited.co.uk. We may need to verify your identity before responding.

10. Security

We take reasonable technical and organisational measures to protect information. No method of transmission or storage is completely secure, but we aim to protect data handled through our systems appropriately.

11. Children

Valo Assist is intended for adults, including serving personnel and veterans. It is not directed at children under 13, and we do not knowingly collect personal information from children.

12. Changes to this policy

We may update this Privacy Policy from time to time. The “Last updated” date at the top will change when we do. Continued use of the App after changes means you accept the updated policy.

13. App Store privacy summary

In line with Apple App Store requirements, the current version of Valo Assist:

• does not use data for tracking across apps and websites owned by other companies;
• does not collect data types linked to your identity for our own purposes in the current release;
• may access standard device APIs required for app operation.

14. Contact us

15. Important notice about financial content

Valo Assist provides general information, guidance and links to tools and resources. It does not provide personalised financial advice. Content is for information only. You should consider obtaining independent advice before making financial decisions.