Privacy Policy
Version 1.0 · Date: 1st October 2026
1. Who Are We; What Do We Do?
The team at Projectify (“Projectify”, “we”, “our” or “us”) understands that privacy is important to our users. We respect and value the privacy of everyone who visits or uses www.capitalbudgetingpro.com (“the Platform”) and will only collect and use personal data in the ways described in this Privacy Policy and in accordance with our obligations and the rights of data subjects under applicable law.
Capital Budgeting Pro is a web-based capital budgeting and investment appraisal application developed and operated by Projectify.
For the purposes of this Privacy Policy:
| Term | Definition |
|---|---|
| Client/User | Any individual or entity accessing or using the Platform. |
| Data Protection Legislation | The GDPR, the Data Protection Act, Chapter 586 of the Laws of Malta, and any applicable subsidiary legislation. |
| GDPR | Regulation (EU) 2016/679, the General Data Protection Regulation. |
| Platform | The Capital Budgeting Pro website and application available through www.capitalbudgetingpro.com. |
| Projectify Solutions | The features and functionality made available through the Platform. |
| Report Data | Information and assumptions entered by a User, together with calculations, results, commentary and other information used to generate a Capital Budgeting Pro analysis or report. |
| Terms of Use | The Terms & Conditions governing use of Capital Budgeting Pro as made available through the Platform. |
Under Data Protection Legislation, personal data means any information relating to an identified or identifiable natural person.
Processing includes any operation performed on personal data, including collection, recording, storage, use, organisation, alteration, retrieval, disclosure or deletion.
A data controller is the person or organisation that determines the purposes and means by which personal data is processed.
2. What Does This Policy Cover?
This Privacy Policy explains how Projectify processes personal data in connection with the use of Capital Budgeting Pro, including:
- use of the Platform;
- communications with Projectify;
- use of investment appraisal and reporting functionality;
- purchases of PDF and Excel reports;
- report generation, storage and delivery;
- AI-assisted commentary;
- technical, security and usage information.
Where Projectify determines the purpose and means of processing personal data, Projectify acts as the data controller.
There may also be circumstances where a User enters information concerning third parties into the Platform. In such circumstances, the User is responsible for ensuring that they are lawfully entitled to provide and process such information.
3. What Types Of Personal Data May We Process And How Do We Obtain It?
We may process the following categories of personal data:
| Category | Description | Source |
|---|---|---|
| Contact Information | Name, email address and other contact information supplied when contacting us or purchasing a report. | Provided directly by the User. |
| Interaction Information | Messages, feedback, queries, support requests and other communications with Projectify. | Provided directly by the User. |
| Payment and Transaction Information | Information associated with purchases, such as amount paid, currency, payment status, transaction references and applicable discounts. Projectify does not need to directly store full payment-card details where payment is handled by a third-party payment processor. | Provided through the User and payment provider. |
| Report and Analysis Information | Analysis name, company name, project assumptions, investment data, financial assumptions, calculated results, commentary and information required to generate reports. | Entered by the User or generated by the Platform from User inputs. |
| Report Delivery Information | Email address, report delivery status, payment reference, generated PDF and Excel files, and information required to provide or support report delivery. | Generated through use of the Platform and report purchase process. |
| Usage and Technical Information | Information such as IP address, browser type, device information, operating system, pages or features accessed, approximate usage times and technical logs. | Collected automatically through the Platform and supporting infrastructure. |
We encourage Users not to enter personal information into financial assumptions unless it is genuinely necessary for the analysis.
4. International Transfers
Some of the service providers used to operate Capital Budgeting Pro may process information outside Malta or the European Economic Area (“EEA”).
Where personal data is transferred outside the EEA, Projectify will seek to ensure that appropriate safeguards are in place in accordance with applicable Data Protection Legislation.
These safeguards may include:
- an adequacy decision issued by the European Commission;
- Standard Contractual Clauses approved by the European Commission;
- other lawful transfer mechanisms permitted under the GDPR; and
- appropriate technical and organisational measures designed to protect personal data.
International transfers may arise in connection with hosting, payment processing, email delivery, analytics, technical support, AI functionality or other third-party services used to operate the Platform.
5. How Do We Use Personal Data And What Is Our Legal Basis?
We only process personal data where there is a lawful basis for doing so.
| Purpose | Personal Data | Lawful Basis |
|---|---|---|
| Providing the Platform | Usage Information, Report and Analysis Information | Performance of a contract, where applicable; legitimate interests in operating and improving the Platform |
| Report Generation and Delivery | Contact Information, Report and Analysis Information, Report Delivery Information | Performance of a contract |
| Payment Processing | Contact Information, Payment and Transaction Information | Performance of a contract; legitimate interests in administering and securing transactions |
| Customer Support | Contact Information, Interaction Information, relevant Report or Transaction Information | Performance of a contract; legitimate interests in providing effective support |
| AI-Assisted Commentary | Relevant Report and Analysis Information | Performance of a contract or legitimate interests in providing requested Platform functionality |
| Security and Fraud Prevention | Usage Information, Contact Information, Payment and Transaction Information | Legitimate interests in protecting the Platform, Users and Projectify; legal obligations where applicable |
| Analytics and Platform Improvement | Usage and Technical Information, preferably aggregated or anonymised where practical | Legitimate interests in understanding and improving Platform performance and usability |
| Legal and Regulatory Compliance | Relevant information from any applicable category | Compliance with legal obligations |
| Marketing Communications | Contact Information and Interaction Information | Consent where required; legitimate interests where permitted by law |
| Corporate Transactions | Relevant business and personal information | Legitimate interests in facilitating a potential sale, restructuring, investment or similar transaction |
Where processing is based on legitimate interests, Projectify considers the interests and rights of affected individuals and seeks to ensure that such processing is proportionate.
6. Change Of Purpose
We will normally only use personal data for the purposes for which it was originally collected.
If we need to use personal data for a new purpose that is incompatible with the original purpose, we will inform the relevant data subject where required and explain the legal basis for the new processing.
7. Is The Provision Of Personal Data Mandatory?
Capital Budgeting Pro can be used for many functions without creating a user account.
However, certain personal data may be required for particular services.
For example, an email address and payment-related information may be required in order to:
- process a report purchase;
- deliver PDF and Excel reports;
- maintain an appropriate transaction record;
- provide customer support relating to a purchase;
- resend purchased reports where necessary.
If the required information is not provided, we may be unable to provide the relevant service.
8. What About Data Concerning Third Parties?
Users are responsible for ensuring that they have a lawful basis for entering personal data concerning another individual into Capital Budgeting Pro.
Users should avoid entering third-party personal data where it is not required for the financial analysis.
Where a User provides personal data relating to another person, the User is responsible for providing any legally required information or notices to that individual and ensuring that Projectify is permitted to process the information for the purposes for which it has been supplied.
9. Do We Collect Special Categories Of Personal Data?
Capital Budgeting Pro is not designed to collect or process special categories of personal data.
Special category data includes information concerning matters such as:
- racial or ethnic origin;
- political opinions;
- religious or philosophical beliefs;
- trade union membership;
- genetic or biometric information used for identification;
- health information;
- sex life or sexual orientation.
Users should not enter special category personal data into the Platform.
10. Do We Collect Data Relating To Criminal Convictions And Offences?
Capital Budgeting Pro is not designed to collect or process personal data relating to criminal convictions or offences.
Users should not submit such information through the Platform.
11. Do We Share Personal Data With Third Parties?
We may use third-party service providers where necessary to operate Capital Budgeting Pro.
These may include the following categories:
| Recipient Category | Purpose |
|---|---|
| Hosting and Application Infrastructure Providers | Hosting and operation of the Platform, databases, files and related infrastructure. |
| Payment Providers, including Stripe | Processing payments, applying eligible promotion codes, fraud prevention and transaction administration. |
| Email and Transactional Communication Providers | Sending purchased reports, transactional emails and service-related communications. |
| AI Service Providers | Processing limited information necessary to generate AI-assisted commentary when that functionality is used. |
| Analytics Providers | Understanding Platform usage, performance and user experience. |
| Security and Infrastructure Providers | Protecting the Platform from abuse, fraud, malicious activity, attacks and technical failures. |
| Customer Support and Development Providers | Providing technical support, maintenance, development or troubleshooting. |
| Professional Advisers | Legal, accounting, tax, insurance or consultancy support where required. |
| Regulators and Public Authorities | Where disclosure is required or permitted by law. |
We may also disclose personal data:
- to external developers, IT support providers or other contractors assisting with the Platform;
- to insurers and insurance brokers;
- to law enforcement, regulatory or government authorities where legally required;
- where expressly authorised by the relevant individual;
- to prospective purchasers, investors or advisers in connection with a potential corporate transaction.
Where third-party processors act on our behalf, we seek to require them to process personal data only for agreed purposes and to implement appropriate safeguards.
12. Artificial Intelligence Functionality
Capital Budgeting Pro may provide AI-assisted commentary based on information entered into the Platform and the results calculated from that information.
Where this feature is used, information necessary to generate the commentary may be transmitted to an AI service provider.
Projectify seeks to limit the information sent to what is necessary for the requested functionality.
Users should not enter:
- confidential personal information that is unnecessary for the analysis;
- special category personal data;
- passwords or authentication information;
- payment-card information;
- other highly sensitive personal information.
AI-assisted commentary is intended to support interpretation of financial results and does not constitute automated decision-making concerning an individual.
Projectify does not use Capital Budgeting Pro to make fully automated decisions producing legal or similarly significant effects on individuals.
13. Report Purchases, Storage And Email Delivery
Where a User purchases the PDF and Excel report package, Projectify may retain information associated with that purchase, including:
- customer email address;
- transaction reference;
- amount and currency paid;
- discount or promotion information where applicable;
- analysis name and relevant report information;
- generated PDF report;
- generated Excel workbook;
- date and status of email delivery.
This information may be retained in order to:
- fulfil the purchase;
- maintain transaction records;
- investigate failed deliveries;
- provide customer support;
- allow reports to be resent where reasonably required;
- meet accounting, legal or regulatory obligations.
Purchased report files are intended to be stored using private access controls and are not intended to be publicly accessible.
14. Is Personal Data Transferred Outside The EEA?
Personal data may be processed through service providers located outside Malta or the EEA.
Where such transfers occur, Projectify will seek to rely on appropriate safeguards, including:
- European Commission adequacy decisions;
- Standard Contractual Clauses;
- supplementary technical and organisational protections where appropriate.
The exact location of processing may depend on the infrastructure and third-party services being used at the relevant time.
15. Data Subject Rights
Under the GDPR, individuals may have the following rights, depending on the circumstances:
| Right | Description |
|---|---|
| Right of Access | You have the right to request a copy of the personal data we hold about you and to check that we are lawfully processing it. |
| Right to Rectification | You have the right to request that we correct any inaccurate or incomplete personal data we hold about you. |
| Right to Erasure | You have the right to ask us to delete or remove personal data where there is no good reason for us to continue processing it (also known as the “right to be forgotten”). |
| Right to Restrict Processing | You have the right to ask us to suspend the processing of your personal data in certain circumstances, for example if you want us to establish its accuracy or the reason for processing it. |
| Right to Data Portability | You have the right to request the transfer of your personal data to you or to a third party in a structured, commonly used, machine-readable format. |
| Right to Object | You have the right to object to the processing of your personal data where we are relying on a legitimate interest and there is something about your particular situation which makes you want to object to processing on this ground. |
| Withdrawal of Consent | Where processing is based solely on consent, you may withdraw that consent at any time. Withdrawal does not affect the lawfulness of processing carried out before consent was withdrawn. |
Capital Budgeting Pro does not carry out fully automated decision-making or profiling that produces legal or similarly significant effects on individuals.
To exercise any applicable rights, please contact us using the details below.
16. How Long Do We Retain Personal Data?
The period for which personal data is retained depends on the nature of the information and the reason it is being processed.
When determining retention periods, we consider:
- legal and regulatory requirements;
- accounting and tax obligations;
- contractual requirements;
- the nature and sensitivity of the information;
- security and fraud-prevention requirements;
- the purpose for which the information was collected;
- whether the purpose can be achieved through other means.
Report purchase and transaction records may be retained for the period reasonably necessary to satisfy contractual, accounting, tax, legal and customer-support requirements.
Where information is no longer required, we will seek to delete, anonymise or otherwise securely dispose of it in accordance with our applicable retention practices.
17. Security
We take reasonable technical and organisational measures designed to protect personal data against:
- unauthorised access;
- accidental loss;
- unauthorised disclosure;
- alteration;
- destruction;
- misuse.
However, no website, internet transmission or electronic storage system can be guaranteed to be completely secure.
Users are also encouraged to take reasonable precautions when using the Platform and to avoid submitting unnecessary confidential or personal information.
18. Cookies And Similar Technologies
Capital Budgeting Pro may use cookies or similar technologies where necessary for:
- operation of the Platform;
- security;
- maintaining user preferences;
- analytics;
- payment functionality;
- other functionality provided by third-party services.
Where required by applicable law, non-essential cookies or similar technologies will be used subject to appropriate consent.
Further information may be provided through a separate Cookie Policy or cookie-consent mechanism available on the Platform.
19. Responsibilities Of Users
Privacy and data protection depend on the actions of both Projectify and Platform Users.
Users are requested to:
- provide accurate and up-to-date information;
- avoid entering unnecessary personal information;
- avoid entering special category or highly sensitive information;
- ensure they are authorised to submit information relating to third parties;
- notify Projectify if information previously provided becomes materially inaccurate where this affects our provision of services.
20. Contacting Us
If you have questions about this Privacy Policy, your personal data or how Projectify handles personal information, please contact:
Projectify
58 Valley Road
Birkirkara BKR 9013
Malta
Email: hello@useprojectify.com
Website: www.useprojectify.com
21. Complaints
We aim to handle personal data responsibly and encourage Users to contact us first if they have concerns regarding the use of their personal data.
You also have the right to lodge a complaint with the relevant data protection supervisory authority.
In Malta, the competent authority is:
Information and Data Protection Commissioner
Floor 2, Airways House
High Street
Sliema SLM 1549
Malta
Telephone: (+356) 2328 7100
Email: idpc.info@idpc.org.mt
22. Changes To This Privacy Policy
Version 1.0 · Date: 1st October 2026
We may amend this Privacy Policy from time to time to reflect changes to the Platform, our practices, applicable law or third-party services.
Where appropriate, we will provide notice of material changes by reasonable means.
In the event of any conflict between the current version of this Privacy Policy and a previous version, the version currently in effect will prevail unless expressly stated otherwise.