Privacy Policy
Version 1.0 · Effective 14 June 2026
1. Who we are
Pavitt Public Finance, LLC ("we", "us") operates the service at pfmexpert.net. This policy explains what we collect, why, and your choices. Questions: support@pfmexpert.net.
2. Information we collect
Account data you provide (name, email, job title, organisation, and the pathway and access level chosen at registration). Billing data handled by our payment processor, Stripe (billing address and tax identifiers; card details are entered with Stripe and are not stored by us). Usage data (how you use the training and the Desk). Content you submit, including Desk questions and any documents you upload. Technical data such as authentication cookies and, for security and abuse-prevention, a hashed form of your IP address and your browser user-agent.
3. How we use it
To provide and operate the service; to authenticate you and keep accounts secure; to process payments and taxes; to respond to your questions; to maintain and improve the service; and to comply with law. We rely on performing our contract with you, our legitimate interests in running and securing the service, and your consent where required.
4. Service providers (sub-processors)
We share data only as needed with providers who process it on our behalf: Supabase (database and authentication), Vercel (hosting), Stripe (payments and tax), Resend (transactional email), OpenRouter and the underlying model providers it routes to (generating Desk answers), and OpenAI (text embeddings for search). Each processes data under its own terms.
5. AI processing of your questions and documents
When you use the Desk, your question and the source material retrieved to answer it are sent to language-model providers to generate a response. We do not use your submitted content to train any model, and we do not sell your data.
6. Retention
We keep account and billing records for as long as your account is active and as required for legal, tax, and accounting purposes, then delete or anonymise them. Acceptance records of these terms are kept as a record of the agreement.
7. Your rights
Depending on where you live, you may have rights to access, correct, delete, or export your personal data, and to object to or restrict certain processing. To exercise them, contact support@pfmexpert.net. You can also manage billing details through the customer portal.
8. International transfers
We and our providers may process data in the United States and other countries. Where required, we rely on appropriate safeguards for cross-border transfers.
9. Security
We use access controls, encryption in transit, and row-level security in our database to protect data. No system is perfectly secure; you are responsible for keeping your credentials safe.
10. Children
The service is not directed to children under 13, and we do not knowingly collect their data.
11. Changes
We may update this policy; we will revise the version and effective date above when we do.