Privacy Policy | Data Security Information

1. Introduction

This Privacy Policy explains how Poxixay.com ("we," "us," or "our") collects, uses, and protects your personal information when you use our family budget planning consultation services. By accessing or using our website, you consent to the collection and use of information as described in this policy.

As a family budget planning consultant for individuals, we understand the sensitive nature of financial information and treat all data with the utmost confidentiality and respect.

2. Information We Collect

We collect the following types of information:

Personal Identification Information: Name, email address, phone number, and other contact details you provide when registering or requesting our services.
Financial Information: Income details, expense patterns, savings goals, debt information, and other financial data necessary to provide budget planning services.
Usage Data: Information about how you interact with our website, including pages visited, time spent, and actions taken.
Cookies and Tracking Data: We use cookies and similar technologies to enhance your experience and collect information about your browsing activities.

3. How We Use Your Information

We use your personal information for the following purposes:

To provide personalized family budget planning consultations and services
To create and manage your account on our platform
To communicate with you regarding our services, updates, and relevant financial information
To improve our website functionality and user experience
To analyze usage patterns and optimize our service offerings
To comply with legal obligations and protect our rights

We process your data based on the following legal grounds: your consent, performance of our contract with you, compliance with legal obligations, and our legitimate business interests.

4. Data Protection Measures

We implement appropriate technical and organizational measures to ensure a level of security appropriate to the risk, including:

Encryption of sensitive financial data
Regular security assessments and updates
Strict access controls and authentication procedures
Staff training on data protection and confidentiality
Secure data storage systems with regular backups

While we strive to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security but continuously work to enhance our protective measures.

5. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. The criteria used to determine our retention periods include:

The duration of our ongoing relationship with you
Our legal obligations under applicable law
Statutes of limitations for potential legal claims
Our legitimate business needs

6. Your Privacy Rights

Under the General Data Protection Regulation (GDPR) and other applicable data protection laws, you have the following rights:

Right to Access: You can request copies of your personal information we hold.
Right to Rectification: You can ask us to correct inaccurate or incomplete information.
Right to Erasure: You can ask us to delete your personal information in certain circumstances.
Right to Restrict Processing: You can ask us to limit how we use your data.
Right to Data Portability: You can ask us to transfer your information to another organization or directly to you.
Right to Object: You can object to our processing of your information in certain circumstances.
Rights Related to Automated Decision-Making: You have rights related to how we use your data for automated decisions.

To exercise any of these rights, please contact us through our website. We will respond to your request within 30 days.

7. Cookies Policy

Our website uses cookies to enhance your browsing experience. Cookies are small text files stored on your device that help us provide you with a better website experience. We use the following types of cookies:

Essential Cookies: Required for the operation of our website
Analytical/Performance Cookies: Allow us to recognize and count visitors and analyze how users navigate our site
Functionality Cookies: Enable our website to remember your preferences
Targeting Cookies: Record your visit to our website, the pages you visit, and the links you follow

You can control cookies through your browser settings, but blocking certain cookies may impact your experience on our website.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. The updated policy will be posted on this page with a revised "last updated" date. We encourage you to review this Privacy Policy periodically to stay informed about how we protect your personal information.

Significant changes will be notified to you through email or a prominent notice on our website before the changes become effective.