Introduction
This Privacy Policy explains how MILES (Machine Integrated Life Enhancement System) collects, uses, and protects your personal data when you use the MILES website and application. MILES is designed to analyse financial information in order to help users understand their current financial situation and identify areas of financial pressure.
Your financial data is extremely sensitive. We take the responsibility of handling that data seriously and only process it in order to provide the MILES service. MILES does not hold your money, execute payments, or sell financial products. The service operates purely as a financial analysis tool.
We process personal data where necessary to provide the MILES service and fulfil our contractual obligations to users. We may also process limited technical data where necessary for the legitimate interests of maintaining security, reliability, and performance of the platform.
Who We Are
MILES is operated by Lance Oxley, the operator of the MILES platform.
For the purposes of UK data protection law, MILES acts as the Data Controller for the personal data collected through the service.
If you have questions about this policy or your personal data, you can contact:
Email: [email protected]
Postal contact address may be provided upon request for formal data protection enquiries.
Information We Collect
We collect information in order to operate and improve the MILES service.
The types of information we may collect include:
Account Information
When you create an account we may collect:
- Name
- Email address
- Phone number
- Date of birth
- Authentication data, including securely hashed passwords
Financial Information
If you connect a bank account through an Open Banking provider, MILES may receive financial account data such as:
- Account balances
- Transaction history
- Merchant names
- Transaction dates
- Transaction categories
- Regular payments and commitments
- Account identifiers and related financial metadata
This information is used solely to generate financial analysis within the MILES platform.
Technical Information
When you use the service we may automatically collect:
- IP address
- Device and browser information
- Login timestamps
- Usage information relating to the application
This information helps maintain security and system reliability.
How We Use Your Information
We use your personal data to provide and operate the MILES service.
This includes:
- Creating and managing your account
- Analysing financial data to provide insights
- Identifying financial constraints and spending patterns
- Maintaining system security
- Improving the reliability and performance of the service
- Communicating important account information
We do not sell your personal data to third parties.
Bank Account Data
If you choose to connect a bank account, the connection is handled through a regulated Open Banking provider such as TrueLayer.
MILES receives financial data through this provider in order to analyse your financial activity.
MILES does not:
- store your bank login credentials
- initiate payments
- transfer funds
- control your bank account
Access to your bank data can be revoked by you at any time through the bank connection settings.
Payments and Billing
Subscription payments for MILES are processed by Stripe, a third-party payment processor.
Stripe may collect billing information such as:
- name
- billing address
- payment card details
MILES does not store your card details, though we may store subscription identifiers associated with your Stripe account in order to manage billing.
Payment data is processed according to Stripe’s own privacy policy.
Sharing Your Information
We only share personal data where necessary to operate the service.
This may include trusted service providers such as:
- payment processors (e.g. Stripe)
- hosting providers
- infrastructure providers
- Open Banking providers used to access financial data
These providers process personal data on our behalf as data processors and only for the purposes of operating the MILES platform.
We do not sell or rent personal data to third parties.
Data Security
We take appropriate technical and organisational measures to protect your personal data.
These measures include:
- encrypted connections (HTTPS)
- controlled access to systems
- secure authentication mechanisms
- monitoring of system activity
While we take security seriously, no internet service can guarantee absolute security.
Data Retention
We retain personal data only for as long as necessary to operate the MILES service.
Typically:
- account data is retained while your account is active
- financial data is retained while your bank connection is active
- billing records may be retained to comply with legal and tax obligations
If you close your account, we will delete or anonymise your personal data within a reasonable period after account closure unless we are required to retain certain information for legal, tax, or regulatory obligations.
Your Rights
Under UK data protection law you have the right to:
- access the personal data we hold about you
- request correction of inaccurate data
- request deletion of your personal data
- restrict or object to certain processing
- request a copy of your data, withdraw consent where processing is based on consent
- withdraw consent where processing is based on consent
Requests can be made by contacting:
Cookies
The MILES website uses cookies and similar technologies that are necessary for the operation of the website, user authentication, and maintaining secure sessions. These technologies may be used to:
- maintain login sessions
- improve website performance
- ensure the service functions correctly
Cookies do not give us access to your computer or personal files.
You can control cookies through your browser settings.
Complaints
If you believe your data has been handled improperly you have the right to lodge a complaint with the UK data protection regulator.
Information Commissioner’s Office (ICO)
Changes to this Policy
We may update this Privacy Policy from time to time to reflect changes in the service or legal requirements.
When we make significant changes we will notify users through the website or application.