Privacy Policy

At Savvy Financer, accessible at https://savvyfinancer.com, your privacy is of paramount importance to us. We are deeply committed to protecting your personal data and ensuring transparency about how we collect, use, and safeguard information. This Privacy Policy explains how your personal data is handled in accordance with applicable data protection laws, including the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA).

1. Introduction: Our Commitment to Privacy and Data Protection

Savvy Financer is dedicated to safeguarding the privacy and personal data of every visitor and user of our website. We adopt industry-leading practices in data protection, rooted in fairness, transparency, and accountability, to ensure that your personal information remains secure and is only used in a lawful, respectful, and confidential manner.

2. Scope of Policy and Data Controller Role

This Privacy Policy applies to all users of savvyfinancer.com and governs all data processing activities carried out via the website. For the purposes of the GDPR and similar data protection regulations, Savvy Financer is the “Data Controller,” responsible for determining the purposes and means of processing your personal data.

3. Categories of Data Processed

We may collect and process the following categories of personal data:

a) Usage Data: Includes information about how you use our website and services. This may involve your IP address, browser type, operating system, referral source, session durations, page views, and website navigation behavior.

b) Account Data: Consists of information you provide when creating an account, including your name, billing and shipping address, email address, and phone number.

c) Profile Data: Encompasses information related to your preferences, previous purchases, product interests, and behavioral insights derived from your interactions on our site.

d) Communication Data: Includes all correspondence with us, such as customer support inquiries, dispute communications, emails, and chat history.

e) Technical Data: Refers to device and system configuration details such as device type, operating system, browser settings, network type, and unique device identifiers.

f) Transaction Data: Involves records of products or services you have purchased, payment details (only in tokenized/encrypted format), invoice data, and delivery status.

g) Preference Data: Covers consents related to email subscriptions, marketing materials, participation in surveys, and opt-in choices regarding promotions.

4. Legal Bases for Processing

We lawfully process your personal data under the following legal bases, upheld by the GDPR and relevant state or federal law:

– Consent: Where you have given clear and explicit permission for us to process your personal data for specific purposes.
– Performance of a Contract: Where processing is necessary for the performance of a contract to which you are a party or to take steps prior to entering into a contract.
– Legitimate Interests: Where processing is necessary to support our legitimate interests, including service improvement, fraud prevention, and website analytics, provided your interests and fundamental rights do not override those interests.
– Legal Obligations: Where processing is required for compliance with legal obligations incumbent upon us.

5. Your Rights

As a data subject, you have several rights under applicable data protection laws:

– Right of Access: You are entitled to obtain confirmation as to whether we process your personal data and request a copy thereof.
– Right of Rectification: You may request correction of inaccurate or incomplete personal data.
– Right to Erasure (‘Right to be Forgotten’): You may request that we delete your personal data where there is no longer a legitimate basis for its processing.
– Right to Restrict Processing: You can request a restriction of processing under certain conditions.
– Right to Data Portability: You can obtain and reuse your personal data for your own purposes across different services.
– Right to Object: You may object to the processing of personal data based on public interest or legitimate interests, or for direct marketing purposes.
– Right to Withdraw Consent: Where we rely on your consent to process your personal data, you may withdraw it at any time.

To exercise any of the above rights, please contact us at [email protected].

6. Security Measures

We implement a layered security program designed to protect your personal data against unauthorized access, abuse, or disclosure, including:

– Encryption of data at rest and in transit.
– Role-based access control and authentication mechanisms.
– Secure server infrastructure with firewalls and intrusion detection systems.
– Regular security audits and vulnerability assessments.
– Staff training in data protection, privacy awareness, and incident response.

7. International Data Transfers

We may transfer your personal data outside of your jurisdiction, including to countries that may not provide the same level of data protection as your home country. In such instances, we ensure that appropriate safeguards are implemented, including the use of:

– Standard Contractual Clauses approved by the European Commission.
– Binding corporate rules, where applicable.
– Compliance with all local laws concerning cross-border data transfers.

8. Data Retention

We retain personal data for no longer than is necessary for the purpose(s) for which it was collected:

– Usage Data: Retained for 12 months for analytics and performance analysis.
– Account & Profile Data: Retained as long as the user maintains an active account, and for up to 6 years post-deletion for legal defense purposes.
– Communication Data: Retained for 24 months post-resolution of inquiry.
– Technical Data: Retained for 14 months for diagnostic and compatibility support.
– Transaction Data: Retained for 7 years to comply with accounting and tax obligations.
– Preference Data: Retained until consent is withdrawn or until the data is no longer needed.

Upon expiry of the retention periods, data is securely deleted or anonymized.

9. Cookie Policy

Savvy Financer uses cookies and similar technologies for various purposes:

– Essential Cookies: Necessary for operating the website and enabling core functionalities such as security, session management, and accessibility.
– Functional Cookies: Support enhanced features like remembering preferences and enabling chat support.
– Analytics Cookies: Allow us to understand user interactions and measure site performance using tools like Google Analytics.
– Performance Cookies: Track system performance and errors to improve service delivery.

10. Cookie Management and GDPR & CCPA Compliance

Upon your first visit to savvyfinancer.com, a consent banner will prompt you to manage your cookie preferences. You may:

– Accept All Cookies: Enabling full functionality and personalized content.
– Reject Non-Essential Cookies: Allowing only strictly necessary cookies.
– Customize Preferences: Selecting specific cookie categories.

You may also modify your cookie settings at any time via our “Cookie Preferences” link or through your browser settings.

In compliance with GDPR and CCPA, we honor Do Not Track (DNT) browser settings and offer opt-out choices for data selling or targeting (where applicable) via our website interface or by contacting us at [email protected].

11. Special Protections for Children Under 13

Our services are not directed at children under the age of 13. We do not knowingly collect or process data from children without verifiable parental consent. If you believe we may have collected data from a child under 13, please contact us immediately at [email protected], and we will take prompt steps to delete such information.

12. Policy Updates & User Notifications

We reserve the right to amend this Privacy Policy from time to time to reflect legal, technical, or business developments. All changes will be posted on savvyfinancer.com, and where updates materially affect your rights or how we process your data, we will make reasonable efforts to notify you via email or banner notice on the website.

We encourage you to periodically review this Policy to stay informed about how we protect your information.

13. Contact

If you have any questions, concerns, or requests related to this Privacy Policy or your personal data, you may contact us at:

Email: [email protected]
Website: https://savvyfinancer.com

We are committed to compliance and ensuring robust protection of your privacy rights. For any concerns regarding data handling or privacy, please reach out to us at the email above. We welcome your inquiries and are here to assist.