Privacy Policy

1. Introduction

LUDDAN SERVICES LLC ("Company," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services, applications, or website at luddansvcs.com.

By using our services, you agree to the collection and use of information in accordance with this policy. If you do not agree, please discontinue use of our services.

2. Information We Collect

We collect the following categories of information:

• Identity Data: Name, email address, phone number
• Financial Data: Bank account information, transaction data, and account balances collected via Plaid with your explicit consent
• Usage Data: IP address, browser type, pages visited, timestamps
• Device Data: Device type, operating system, unique device identifiers
• Communications: Messages you send us via email or contact forms

3. How We Use Your Information

We use the information we collect solely to:

• Provide, operate, and improve our services
• Process financial data with your explicit consent via Plaid-powered integrations
• Communicate with you regarding your account or our services
• Comply with legal obligations and regulatory requirements
• Detect, prevent, and address fraud, security, or technical issues

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

4. Financial Data & Plaid

Our services may use Plaid Technologies, Inc. to connect to your financial accounts. By connecting your accounts, you agree to Plaid's End User Privacy Policy. We access only the data necessary to provide you with our services and do not store full account numbers or credentials.

You may revoke Plaid access at any time by contacting us at info@luddansvcs.com or through the Plaid Portal at my.plaid.com.

5. Data Sharing & Disclosure

We do not share your personal information except in the following circumstances:

• Service Providers: Trusted vendors (e.g., Plaid, DigitalOcean, Google) who process data on our behalf under strict data processing agreements
• Legal Requirements: When required by law, court order, or governmental authority
• Business Transfers: In the event of a merger, acquisition, or sale of assets, with prior notice to affected users
• With Your Consent: For any other purpose with your explicit prior consent

6. Data Retention

We retain your data only as long as necessary to fulfill the purposes outlined in this policy or as required by applicable law. Consumer financial data is retained for up to 2 years from last use. Upon request, we will delete your data within 30 days unless a legal hold applies. Full details are in our Data Retention & Disposal Policy.

7. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access the personal data we hold about you
• Request correction of inaccurate data
• Request deletion of your data ("right to be forgotten")
• Withdraw consent at any time (without affecting prior processing)
• Lodge a complaint with a data protection authority

To exercise any of these rights, contact us at info@luddansvcs.com.

8. Security

We implement industry-standard security measures including TLS 1.2+ encryption in transit, encrypted storage at rest, access controls (MFA, least-privilege), firewall protection, and intrusion detection. While we strive to protect your data, no method of transmission over the internet is 100% secure.

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected data from a child without parental consent, we will delete it immediately.

10. Changes to This Policy

We may update this Privacy Policy periodically. Material changes will be communicated via email or a prominent notice on our website at least 14 days before taking effect. Continued use of our services after changes constitutes acceptance of the updated policy.

11. Governing Law

This Privacy Policy is governed by the laws of the State of Florida, United States, without regard to conflict of law principles.