Privacy Policy and Cookies Policy

OPES AI LTD – Website and App Privacy Policy and Cookies Policy

Last updated: 12 June 2026

This Privacy Policy and Cookies Policy explains how OPES AI LTD collects, uses and protects personal data when you visit the Opes website, join the waitlist, use the Opes mobile app, or otherwise interact with us.

This policy applies to the Opes website and the Opes mobile app.

1. Who we are

OPES AI LTD
Company number: 16411907
Registered office: Suite 770gc Unit 3ab, 34-35 Hatton Garden, Holborn, London, United Kingdom, EC1N 8DX
Contact email: info@opes-app.com

For the purposes of UK data protection law, OPES AI LTD is the controller of the personal data described in this policy.

2. What this policy covers

This policy explains:

• what personal data we collect through the website and app;
• how and why we use it;
• the legal bases we rely on;
• who we share it with;
• how long we keep it;
• your rights;
• how we use cookies and similar technologies.

3. Personal data we collect

We may collect and use the following categories of personal data.

A. Information you provide directly

We may collect:

• your email address when you join the waitlist;
• any information you choose to include if you contact us;
• information you provide when using the Opes app.

B. Account information

When you create or use an Opes account, we may collect:

• your email address;
• authentication identifiers;
• basic profile information;
• account settings and preferences;
• technical information about your app usage.

C. Financial planning information you provide

Opes may collect information you choose to enter into the app, such as:

• savings goals;
• target amounts;
• target dates;
• current saved amounts;
• planned contributions;
• account names or manually entered account information;
• other information you provide to help Opes understand your financial goals.

You should not enter information that you do not want Opes to process.

D. AI chat information

When you use the chat feature, we collect and process:

• the messages you send;
• responses generated by Opes;
• relevant app context, such as your goals and financial planning information, where needed to provide a useful response;
• chat history associated with your account.

We use this information to provide the chat experience, generate responses, maintain conversation history, improve reliability, and keep the guidance aligned with the information you have provided.

E. Technical information collected automatically

When you visit the website or use the app, we and our hosting, security, analytics, or diagnostics providers may automatically collect limited technical data such as:

• IP address;
• browser type and version;
• device type;
• operating system;
• app version;
• pages or screens viewed and timestamps;
• crash reports and diagnostic information;
• basic server and security logs;
• cookie or similar technology data, where applicable.

4. How we use your personal data

We use personal data for the following purposes.

A. To operate and secure the website

We use technical data to run the website, maintain security, prevent abuse, troubleshoot issues, and improve performance.

Legal basis: legitimate interests, namely running and securing our website and services.

B. To manage the waitlist

If you submit your email address, we use it to add you to the Opes waitlist and manage pre-launch interest.

Legal basis: legitimate interests, namely managing pre-launch interest and responding to requests to join the waitlist.

C. To send launch-related communications you asked for

If you join the waitlist, we may use your email address to send you launch-related emails, such as confirmation of your waitlist sign-up and an email when the app becomes available.

Legal basis: legitimate interests, namely responding to your request to hear about the launch of Opes.

D. To provide the Opes app

We use your account information, goals, financial planning information, chat history, and app activity to provide the Opes app, save your progress, display your goals, and allow you to use the app across sessions.

Legal basis: performance of a contract, where processing is necessary to provide the app to you, and legitimate interests in operating and improving the service.

E. To provide AI chat and guidance

We use your chat messages and relevant app context to generate responses, explain financial concepts, help you think through goals, and provide general educational support.

Legal basis: performance of a contract, where processing is necessary to provide the chat feature, and legitimate interests in improving the quality, safety and reliability of the service.

Important: Opes provides general guidance and educational support only. Opes does not provide regulated financial advice, investment recommendations, tax advice, banking services, lending services, insurance advice, or any other regulated financial service.

F. To improve, debug, and protect the service

We may use technical, diagnostic, analytics, and usage information to understand how the website and app are used, identify errors, fix bugs, improve performance, prevent abuse, and keep Opes secure.

Legal basis: legitimate interests, namely maintaining, securing, and improving our services.

G. To send broader product news or marketing updates

We will only send broader promotional or marketing emails, such as newsletters or product updates beyond the launch notification, where we have an appropriate legal basis to do so. Where required, this will be your consent.

Legal basis: consent, where required by law.

H. To comply with legal obligations and protect our rights

We may use personal data where necessary to comply with legal or regulatory obligations, handle claims, enforce our terms, and protect our business.

Legal basis: legal obligation, or legitimate interests where appropriate.

5. AI processing

Opes uses artificial intelligence to generate responses in the chat feature.

Opes uses OpenAI to help provide AI chat responses. Before you can use chat, the app asks for your permission to share data for AI processing.

If you give permission and send a chat message, we may send your message, previous chat history, and relevant information from your account, such as your profile information, goals, manually entered account information, and financial planning information, to OpenAI so that Opes can generate a useful response.

OpenAI processes this data to provide the AI service to Opes. OpenAI is not permitted to use your personal data for its own independent purposes, except where its own terms or applicable law allow limited processing for security, abuse prevention, service operation, or service improvement.

Opes does not guarantee that AI-generated responses will always be accurate, complete, or appropriate for your circumstances. You should use your own judgement before making financial decisions.

6. Marketing emails and waitlist communications

If you provide your email address to join the waitlist, we may contact you about your waitlist status and the launch of Opes.

We do not intend this waitlist sign-up, by itself, to mean consent to receive all future marketing. If we want to send broader promotional emails or regular updates beyond what you specifically asked for, we will ask separately where required.

You can ask us to stop using your email for waitlist or launch communications at any time by contacting us at info@opes-app.com or by using the unsubscribe option in the relevant email, where available.

7. Who we share your personal data with

We may share personal data with trusted third parties where necessary for the purposes described above, such as:

• website hosting and infrastructure providers;
• app hosting and database providers;
• authentication providers;
• AI model and infrastructure providers, including OpenAI;
• analytics providers, where used;
• crash reporting and diagnostics providers;
• email delivery or waitlist management providers;
• customer support providers;
• IT, security and support providers;
• professional advisers, such as lawyers, accountants or auditors;
• regulators, courts, law enforcement or public authorities where required by law.

These may include providers used for authentication, app hosting, database hosting, AI processing, diagnostics, analytics, email delivery, and security.

We do not sell your personal data.

8. International transfers

Some of our service providers may process personal data outside the United Kingdom.

Where we transfer personal data internationally, we will take steps to ensure that it is protected appropriately under applicable data protection law. This may include relying on an adequacy regulation or using approved contractual safeguards where required.

9. How long we keep personal data

We keep personal data only for as long as reasonably necessary for the purposes described in this policy.

For waitlist email addresses, our current approach is:

• we keep your email address while the waitlist is active;
• we may keep it after launch to manage launch communications and related records;
• we may delete it sooner if you ask us to do so or unsubscribe;
• we may keep it longer where necessary for legal, regulatory or evidential purposes.

For app account data, goals, financial planning information, and chat history, we generally keep this information while your account is active or while it is needed to provide the service.

We may keep some information for longer where necessary for legal, regulatory, security, fraud prevention, dispute resolution, accounting, or backup purposes.

10. Account deletion and data deletion

You can delete your Opes account in the app by going to Profile > Delete Account.

When you delete your account, we delete or anonymise personal data associated with your account, including your profile, goals, manually entered account information, chat history, and related app records, unless we need to keep certain information for legal, regulatory, security, fraud prevention, dispute resolution, accounting, or backup purposes.

You can also contact us at info@opes-app.com if you need help with account deletion or data deletion.

11. Data security

We use appropriate technical and organisational measures designed to protect personal data against unauthorised access, loss, misuse, alteration or disclosure.

However, no internet transmission, app, AI system, or storage system is completely secure, so we cannot guarantee absolute security.

12. Cookies and similar technologies

Cookies are small text files placed on your device when you visit a website. Similar technologies can also be used to store or access information on your device.

UK rules generally require websites to clearly explain cookies and, for non-essential cookies, get consent before setting them. Strictly necessary cookies are the main exemption.

12.1 Cookies we currently use

At the date of this policy, we only intend to use strictly necessary cookies and similar technologies required for:

• website security;
• basic website functionality;
• load balancing;
• remembering essential technical preferences where needed to provide the service you requested.

These cookies do not require consent where they are strictly necessary, but we still describe them here for transparency.

12.2 Non-essential cookies

We do not intend to set non-essential analytics, advertising or tracking cookies on the website unless and until:

• we clearly tell you about them; and
• we obtain any consent required by law before they are set.

If this changes, we will update this policy and, where required, provide a cookie choice tool or banner.

12.3 App analytics and diagnostics

The Opes app may use analytics, diagnostics, and crash reporting technologies to help us understand usage, identify bugs, improve reliability, and keep the service secure.

Where required by law or platform rules, we will provide appropriate information or controls.

12.4 Managing cookies

You can usually control cookies through your browser settings. Blocking some cookies may affect how the website works.

If we later introduce non-essential cookies, we will also provide appropriate controls to accept or reject them where required.

13. Your data protection rights

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

• request access to your personal data;
• request correction of inaccurate personal data;
• request deletion of your personal data;
• request restriction of processing;
• object to processing based on legitimate interests;
• request portability of personal data, where applicable;
• withdraw consent at any time where processing is based on consent.

Where we rely on legitimate interests, you have the right to object to that processing.

You also have the right to complain to the UK Information Commissioner’s Office if you believe your personal data has been handled unlawfully.

To exercise your rights, contact us at:

info@opes-app.com

14. Children

Opes is intended for users aged 18 and over.

We do not knowingly collect personal data from children under 13. If you believe a child has provided us with personal data, please contact us and we will take appropriate steps to delete it.

15. Third-party websites and services

The website or app may contain links to third-party websites or services. If you follow those links, those third parties will have their own terms and privacy policies.

We are not responsible for their content or practices.

16. Changes to this policy

We may update this policy from time to time.

The latest version published on the website will apply. If we make material changes, we will take appropriate steps to bring them to users’ attention where required.

17. Contact us

If you have any questions about this policy or want to exercise your rights, contact us at:

info@opes-app.com

OPES AI LTD
Suite 770gc Unit 3ab
34-35 Hatton Garden
Holborn
London
United Kingdom
EC1N 8DX

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