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Privacy policy

POLICY REGARDING THE PROTECTION AND PROCESSING OF PERSONAL DATA

– PRIVACY POLICY –

  1.  General information

The protection of your personal data is important to Finances-Education.com, so we pay particular attention to protecting the privacy of visitors accessing www.finances-education.com, as well as those whose personal data has been provided to us by a third party or to which we had access from another source, in accordance with Regulation (EU) 2016/679 adopted by the European Parliament and the Council of the European Union on April 27, 2016, regarding the protection of natural persons with regard to the processing personal data and on the free movement of such data and repealing Directive 95/46/EC.

In this matter, please read carefully the terms of the following Privacy Policy regarding the protection and processing of the personal data, in order to understand how your information will be treated.

This Policy is an information note and explains the online practices of Finances-Education.com, regarding the application of the provisions of the GDPR, as well as the rights you benefit from regarding how your information is used through the Website www.Finances-Education.com

The processing of personal data carried out by Finances-Education will always be carried out in accordance with the provisions of the GDPR, as well as with the regulations on the protection of personal data specific to each country in which Finances-Education.com operates.

Through this Personal Data Protection Policy, Finances-Education wishes to inform Visitors about the nature of the personal data it collects, uses and processes, as well as about the purposes of the processing. In addition, website visitors are informed through this Policy and about their rights.

We note that, in relation to Finances-Education.com, this Policy is valid and applies to both the Website and social media pages associated with our brand and name, including but not limited to on Instagram, Facebook, Twitter.

As a result of visiting our Site, obtaining products or interacting with Finances-Education.com through any method or means of communication, such as e-mail, telephone or social networks, each data subject confirms that he agrees with this Privacy Policy. If you do not agree and do not want to accept the information, situations and/or conditions described in the Policy, please leave the Site and do not access the products provided.

  •  Definitions

Within this Privacy Policy, unless expressly provided otherwise, the phrases mentioned below will have the following meanings:

Consent represents any manifestation of the customer’s free will, specific, informed and unambiguous, by which he accepts, through a statement or an unequivocal action, that his personal data will be processed
Personal data is any information relating to an identified or identifiable natural person, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier, or to one or several specific elements, specific to his physical, physiological, genetic, psychological, economic, cultural or social identity
Operator represents the legal person, public authority, agency or other entity that, alone or together with others, establishes the purposes and means of personal data processing
Targeted person represents any identified or identifiable person whose data is processed by Finances-Education.com as an operator, such as subscribers, potential customers or website visitors
Privacy policy represents the information note that includes the details described in this document and is supplemented with the Terms and Conditions of the Site, as well as with the Cookies Policy and can also be identified as the Data Protection Policy
Cookies Policy is the information regarding the “cookie” files that our Site collects, as well as the communication of the purposes for which they are used and complements this Policy, as well as the Terms and Conditions of the Site
Processing means any operation or set of operations performed on personal data or sets of personal data, with or without the use of automated means, such as collection, recording, organization, structuring, storage, adaptation or modification, extraction, consultation , use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, deletion
Finances-Education.com is representing SC INGRAF BOOKING S.R.L. or the associated or collaborating companies that identify the economic agent – Romanian legal entities, established and operating in accordance with the laws of Romania, that provide the products found on the Website and that own the property of the Website
GDPR Regulation represents Regulation (EU) 2016/679 adopted by the European Parliament and the Council of the European Union on April 27, 2016, on the protection of natural persons with regard to the processing of personal data and on the free movement of such data and repealing Directive 95/ 46/EC, also known as the General Data Protection Regulation
Our Website represents the www.Finances-Education.com website, any section and sub-section thereof, as well as Finances-Education.com’s associated social media profiles/pages, including but not limited to Instagram, Facebook, Twitter, Youtube, etc
Terms and conditions represents the provision of information regarding the use of our website, the relationship with Finances-Education.com, the collaboration and agreements concluded between you and Finances-Education.com as a result of accessing the website and obtaining products provided, as well as the conditions that apply the legal relations that arise between the parties, including through subsequent agreements
Visitor represents any person who visits, views or accesses the Site www.finances-education.com or one of the associated social media profiles/pages, including but not limited to Instagram, Facebook, Twitter, Youtube, etc

  •  The operator of personal data

The operator of personal data is SC INGRAF BOOKING S.R.L., a Romanian legal entity, with its registered office in Cluj Napoca city, Str Bucegi 13-15, Cluj county, registered at the Commercial Register under no. J12/1909/2019, having CUI 36251003, email: contact@finances-education.com. The notion of Finances-Education may also include other associated or collaborating legal entities that identify the economic agent.

As a personal data operator, Finances-Education.com is responsible for the processing of personal data that belongs to you and that it collects directly or from other sources. We specify that in order to ensure the protection and safe processing of your data, Finances-Education.com has made every effort to implement reasonable and appropriate technical and organizational measures.

  •  The data protection officer (DPO)

Finances-Education.com is under no legal obligation to appoint a data protection officer. Accordingly, any request in relation to your personal data should be addressed to the mentioned contact details.

If you have any concerns, questions, observations or complaints regarding this Policy or the use of personal data that we process, or you wish to exercise any of your rights, you can always send us your request to the email contact@finances-education.com

  •  What is your personal data that we process?

Depending on the products and features you wish to access or purchase, it will be necessary for us to collect, use, store and/or transfer certain personal data.

Your personal data that will be processed are as follows:

  • financial and transactional data, such as payment or card or bank account information, bank card data, information about purchased products, details of payments from and to the data subject;
  • technical data, such as IP address (internet protocol), login data, browser type and version, location and time zone settings, browser plug-ins and their versions, operating system, operating platform and other technologies on the devices you use to access this Site and your user account;
  • profile data, such as username, password, orders placed, history of purchased products, answers to various questions or surveys;
  • statistical and marketing data, such as information regarding the use of the Site and the products provided, preferences regarding the receipt of marketing materials and preferred means of communication;
  • aggregate data, such as the collection, use and sharing of certain statistical or demographic data. Aggregated data may derive from personal data, but is not considered “personal data” within the meaning of the law, as this information does not directly or indirectly reveal your identity. In the exceptional situation where aggregate data is combined or correlated with personal data in such a way that direct or indirect identification is possible, the resulting combined data will be treated by Finances-Education.com as personal data, which will be used in the manner described in this Policy .

In the event that you do not wish to provide us with information regarding your personal data, we draw your attention to the possibility that you may not be able to access certain functions, purchase the products provided, subscribe, create and/or access your account of the user, we may not be able to conclude any contracts or collaborations necessary later or to be unable to respond to your requests.

Finances-Education.com may hold personal data of data subjects both as a result of direct interaction and by obtaining it indirectly or through technology.

For example, Finances-Education.com will receive personal data about you in the following situations:

  • placing an order;
  • creating a user account;
  • subscription to the newsletter;
  • sending an email or a private message within social networks;
  • commenting on social platforms, tagging us in posts or sharing our content.
  • Data Processing Principles

Finances-Education.com undertakes to comply with the principles of personal data protection provided by the GDPR, to ensure that all data is:

  • processed fairly, legally and transparently;
  • collected for specified, explicit and legitimate purposes;
  • adequate, relevant and limited in relation to the purposes for which they are processed;
  • correct and up-to-date;
  • kept in a form that does not allow the identification of the data subjects for longer than is necessary in relation to the purpose of the processing;
  • processed in accordance with the rights of the data subject, in a way that ensures adequate security of the processing, so that the data is intact, confidential and available.
  • Legal basis and purposes of personal data processing
  • In accordance with art. 6 para. (1) lit. b) of the GDPR, personal data may be processed for the purpose of concluding or executing the contract. In order to be able to offer you our products or to conclude possible subsequent collaboration contracts, we need to process personal data belonging to you, such as name, surname, e-mail address, home address or residence, personal numerical code , series and number of bulletin or identity card.
  • In accordance with art. 6 para. (1) lit. c) of the GDPR, personal data may be processed for the purpose of fulfilling legal obligations, including those of a fiscal nature. In order to fulfill certain obligations imposed by the tax authorities in relation to invoicing, reimbursement of certain amounts, payment of commissions for marketing affiliation or reporting of certain information to the authorities, Finances.Education may request and process a series of personal data, such as name, surname , home address or residence, personal numerical code, series and number of bulletin or identity card.
  • In accordance with art. 6 para. (1) lit. a) of the GDPR, personal data may be processed if the data subject has given his consent for the processing of his personal data for one or more specific purposes.

Finances-Education.com relies on consent only for direct marketing purposes where it is expressly requested. As such, in certain cases, personal data will be used for the purpose of a) potential transmission of newsletters or other marketing, information or commercial messages; b) possible participation in various contests or promotions.

  • In accordance with art. 6 para. (1) lit. f) of the GDPR, personal data may be processed for the purpose of the legitimate interests pursued by the operator or a third party for carrying out the object of activity. Such a situation will also take into account the analysis of your interest, as well as the fact that fundamental rights and freedoms are not affected. The legitimate interest can be represented by Finances-Education.com ensuring a correct functionality of the Website, as well as a permanent improvement of the experience of the Website visitors.

Processing the form to purchase a product on the Site or from the “My Account” section and processing the form to access the free guide

Finances-Education.com will use the information you provide in the appropriate section to place an order for the purchase of a product or in the appropriate section to obtain a free guide on the site, solely for the purpose of processing your request.

By providing any personal data through the website www.Finances-Education.com, you understand and agree that your data will be processed in accordance with the provisions of this Data Protection Policy belonging  Finances-Education.com.

Finances-Education.com undertakes not to process the personal data provided for a purpose other than that for which they were transmitted, except in the case where it will be necessary, reasonably, to be used for another purpose, compatible with that of initial processing or if there is your express consent to use them for other purposes.

Processing for billing purposes

Finances-Education.com will use the information you provide in the section of placing an order for the purchase and payment of the desired product or by sending a subsequent message or e-mail through which you communicate the data to the paying company, the personal data provided being used exclusively for the purpose to process your request and to send you the invoice for the purchased product.

Payment processor

To make payments on our website, Finances-Education.com uses third party payment processing providers. In connection with the processing of payments in this context, we do not process or retain personal data or information such as credit/debit card details with which payment is made. This information will be provided directly by you to the payment processor TwisPay, and the use of this data is governed by the data protection policies of the providers, which can be consulted on their website.

Processing for the purpose of registering as a User

In order to access the digital products “The wise investor” and “The world class investor“, it is necessary for the User to create an account. In this case, Finances-Education.com will use the information you provide in the appropriate account creation and login section, such as contact details and identification details, for the purpose of registering you as a User and subsequently allowing you to access your account.

As a User, you have the possibility to request the deletion of the account and personal data processed by sending a request to Finances-Education.com, through the agreed and presented communication methods.

Processing for the purpose of sending the Newsletter

If you have given your consent for subscribing to the Finances-Education.com newsletter, we specify that your personal data will be collected, processed and used in order to send you various information from our area of activity, information about possible campaigns and/or marketing messages.

We note that Finances-Education.com reserves the right to select subscribers to whom it will send newsletters, as well as the right to remove from the database any member who has previously expressed consent. The exercise of these rights can be carried out without any further commitment on the part of Finances-Education.com and without any prior notice to this effect.

Processing to respond to requests

In the event that you contact us by sending a request, notification, question or message of any nature, Finances-Education.com will collect and process the personal data that you have communicated and may request the provision of additional personal data in order to respond to the request addressed and to solve the eventual situation or problem exposed.

By contacting Finances-Education.com through any of the methods provided, through mediated or direct communications, including through the use of social platforms, you understand and express your consent for your personal data to be processed in accordance with the details of this Privacy Policy.

Processing for the purpose of resolving legal requests

Finances-Education.com may collect, process and transmit information about your personal data to regulatory authorities, law enforcement agents or other entities in the following situations:

  • in response to a request of a legal nature, if it can be considered, in good faith, that the law requires this fact;
  • when it can be considered, in good faith, to be necessary to detect, prevent and respond to acts of fraud, to the unauthorized or improper use of any material belonging to us, to possible violations of the terms and conditions or our policies or in the event of other harmful or illegal activities, in order to protect us (including our rights, property or materials), you and/or others, including in the context of investigations or inquiries initiated by the authorities regulation.

The information regarding the personal data that we receive from or about you can be accessed, processed and stored for a longer period of time, in the situation where they are the subject of a legal request or legal obligation, a government investigation or other types of investigations into possible violations of our terms and conditions or policies or in other cases to prevent possible harm.

  •  Disclosure of personal data to third parties

Personal data processed through the Finances-Education.com Site may be disclosed and/or transferred to third parties only in the situation where there is your express consent to do so, except in situations where there is a legal/contractual obligation for Finances-Education.com to proceed in this way.

For example, Finances-Education.com may provide personal data to various entityes of the judicial system, such as prosecutors’ offices, police, courts or other competent entityes of the state, based on and within the limits of the legal provisions and following the formulation of an express request.

Please note that in order to be able to process your requests submitted in the placing an order and purchasing a product or accessing the free guide section of the Site, it is possible that, under certain circumstances, we have the obligation to disclose your personal data to the partners with whom Finances-Education.com collaborates and/or to other third-party service providers of Finances-Education.com.

For example, Finances-Education.com could transmit the collected personal data to different partners, such as IT (cloud, hosting) or telecommunications service providers, advertising agencies, accounting and human resources services, integrated solution providers or legal services.

However, Finances-Education.com has adopted appropriate technical and organizational measures to ensure the security of data transfer as well as the processing in accordance with GDPR requirements of your data by the aforementioned entities.

Finances-Education.com ensures, within reasonable limits, that the personal data collected will not be transmitted outside the European Economic Area. However, in the event that there will be a transfer of data to EEA third countries, Finances-Education.com will ensure that the transfers are legitimate and that they will be based on the express consent of the data subject or another legally accepted basis.

Information controlled by Finances-Education.com may be transferred, transmitted or stored and processed in the EEA or countries other than your country of residence for the purposes described in this Policy. In such cases, we note that we use standard contractual clauses approved by the European Commission and rely on appropriateness decisions issued by the European Commission in respect of certain countries, as appropriate, with respect to transfers of data from the EEA to the United States and to other countries.

  •  Data processing by third parties, other websites and sponsors

The website www. Finances-Education.com may, from time to time, contain access links to other websites whose data processing policies may differ from those of Finances-Education.com.

Please consider and consult the privacy policies of the other sites, Finances-Education.com assumes no responsibility for the information submitted or collected by these third parties.

Also, in situations where you interact with Finances-Education.com through social networks, please note that other third parties may also have access to the personal data provided, such as Facebook or Instagram.

Automatic data processing. Cookies

The website www. Finances-Education.com uses cookie identifiers.

Aspects related to the use of Cookie identifiers are governed by the Cookies Policy, which is an integral part of and complements this Policy and the Terms and Conditions of the Site. Please read carefully the entire content of the Cookies Policy.

As a data subject, you have the option to exercise your right to disable Cookies, as stated in the section on your rights.

  1.  Data storage

Finances-Education.com may keep the processed data for different periods of time, necessary to fulfill the stated purposes or deemed reasonable, in accordance with the previously indicated purposes.

Finances-Education.com’s other legal obligations, lawsuits and/or investigations may also require the retention of certain personal data you have provided to us.

In general, we keep your personal data only for the period necessary to fulfill the purpose for which you provided it to us, to satisfy your needs, to respond to your requests or to fulfill our legal obligations

At this time, we refer to the following criteria for determining the duration of data storage:

  • If you have provided us with information to obtain the products provided by Finances-Education.com, by placing an order, we will collect and process personal data for the purpose of honoring the order, as well as fulfilling contractual and/or legal obligations. Such personal data stored in our databases will be deleted from the records within a maximum of 5 (five) years from the date of the last order, with the exception of personal data necessary from a financial and accounting perspective, which will be processed and stored for the established period by law.
  • If you have provided us with information to create and access your User account in order to access digital products, we will collect and process personal data in order to recognize and allow access to the account. Taking into account the permanent possibility to access the account and watch the courses, granted for an unlimited period, such personal data will be processed and stored in our databases until the moment you decide that you no longer want to have the account and send us a request to delete personal data.
  • If you have provided us with information for the conclusion of any future contracts or collaboration agreements, we will collect and process personal data for the purpose of concluding and executing the contract, as well as fulfilling contractual and/or legal obligations. Such personal data will be processed and stored for the period necessary to fulfill the object of the contract and fulfill any legal obligations arising from it. For example, in the case of financial-accounting supporting documents, the storage term provided for by law is 10 (ten) years from the end of the financial year during which they were drawn up.
  • If you have expressed your option to subscribe to the Finances-Education.com newsletter, we will collect and process personal data in order to send you various information from our area of activity, information regarding possible campaigns and/ or marketing messages. Such data will be processed and stored until you decide to unsubscribe, using one of the options offered for this purpose.
  • If you contact us with certain questions or requests, we will collect and process personal data in order to respond to your request. Such personal data will be processed and stored for the period necessary to process the request and resolve it, but not more than 5 (five) years from the last correspondence sent.
  • In the case of cookies used, they are stored on the computer for as long as necessary to achieve the purposes they fulfill (for example cookies for the login session in the account) and for a period defined in accordance with regulations and guidelines usual. To find out more details about the use of cookies, please read the Cookies Policy on our Website.
  •  The rights of data subjects

Data subjects have the following rights, in accordance with the GDPR, with regard to the personal data that Finances-Education.com processes:

  • Right of access to processed data: You have the right to access the personal data we hold. The first provision of information will be made free of charge. If you require further copies of information already provided, we may charge a reasonable fee, taking into account the administrative costs of providing the information. Manifestly unfounded, excessive or repeated requests may not receive a response.
  • The right to rectification of data: you have the right to request that your data be rectified if it is inaccurate or out of date and/or to complete it if it is incomplete.
  • Right to erasure (“right to be forgotten”): In certain circumstances, you have the right to have your data erased or destroyed. This is not an absolute right, as we may sometimes need to retain your data for legal or legal reasons.
  • The right to restriction of processing: you have the right to request the restriction of the processing of your data. This means that the processing of your data is limited so that we can keep the data but not use or process it. This right applies in specific circumstances provided by the General Data Protection Regulation, namely:
  • the accuracy of the data is disputed by the data subject (you), for a period that allows the operator (Finances-Education.com) to verify their correctness;
  • the processing is illegal and the data subject (you) opposes the deletion of the data and requests the restriction of their use;
  • the operator (Finances-Education.com) no longer needs the data for processing, but they are requested by the data subject (you) to establish, exercise or defend legal claims;
  • the data subject (you) has objected to processing based on the legitimate grounds of the controller (Finances-Education.com), based on the verification that the legitimate grounds of the controller (Finances-Education.com) outweigh those of the data subject (you).
  • The right to data portability: You have the right to move, copy or transfer the data that interests you from our database to another. This only applies to data you have provided, where the processing is based on your consent or on the basis of a contract and is implemented by easily accessible automated means.
  • The right to object: you can object at any time to the processing of your data when such processing is based on a legitimate interest.
  • Right to withdraw consent at any time: You may withdraw your consent in relation to the processing of your data where such processing is based on consent. Withdrawal of consent does not affect the legality of processing based on consent prior to its withdrawal.
  • Right to file a complaint with the competent supervisory authority: You have the right to file a complaint with the data protection authority of your country of residence or domicile to challenge the data protection practices offered by Finances-Education.com. In Romania, this body is represented by the National Supervisory Authority for the Processing of Personal Data (ANSPDCP), which is based in Bucharest, bld. G-ral. Gheorghe Magheru no. 28-30, Sector 1, postal code 010336 and has the following contact details: telephone +40.318.059.211 or +40.318.059.212, e-mail address anspdcp@dataprotection.ro.
  • The right to object to the processing of your data by us when we carry out actions in the public interest or in our own or a third party’s legitimate interests: you can object at any time to the processing of your data when such processing is based on a legitimate interest.
  • The right to object to the processing of your data for direct marketing purposes (the right to unsubscribe): you have the possibility, permanently and completely, to unsubscribe from our newsletter or ask us to stop sending you marketing messages , either by accessing the unsubscribe link included in the e-mails, or by sending Finances-Education.com an e-mail requesting deletion from the database.
  • The right to disable cookies: you have the possibility, in part or in full, to disable cookies. Internet browser settings are usually programmed by default to accept cookies, but you can easily change them by accessing and changing your browser settings. For more details, visit the Cookies Policy.

ou can exercise any of these rights in relation to the personal data that Finances-Education.com processes by making a simple request to Finances-Education.com at the contact details provided. In such a situation, we may very well ask for proof of your identity.

We specify that the rights listed above are not absolute. In certain situations there may be exceptions, so each request received will be analyzed to decide whether it is justified or not. If the request is justified, it will be resolved according to the request. If the request is unfounded, we will reject it and, if necessary, we will give you the reasons for the refusal, as well as the rights you still have.

Finances-Education.com will make all efforts to respond to requests within a maximum of 30 (thirty) days. However, in certain situations and taking into account different circumstances, this deadline can be extended, related to the complexity of the request, the large number of requests received, the impossibility of identifying the applicant in the optimal period or waiting for answers from other entity.

In the event of unsubscribing from marketing messages, please note that this unsubscription does not also apply to personal data that you have provided to us for another purpose, for example when you have requested a product from Finances-Education.com.

  1.  Security of processing

Finances-Education.com has adopted technical and organizational data processing measures, updated in accordance with GDPR requirements, in order to protect your personal data against any actions of unauthorized access, misuse or disclosure, unauthorized modification, destruction or accidental loss . All employees and collaborators of Finances-Education.com, as well as any third parties acting on behalf and on behalf of Finances-Education.com are required to respect the confidentiality of your information in accordance with the provisions of this Data Protection Policy.

In order to guarantee the protection offered with regard to the personal data we process, Finances-Education.com has implemented measures such as the adoption of dedicated policies for data processing and systems protection regarding possible unauthorized access, has proceeded to minimize and limit data that it processes, has proceeded to restrict access to the processed data, has used technologies to ensure data security and has trained staff and collaborators on the applicable legislation.

However, we draw your attention to the fact that undesirable events may also occur, which may lead to various incidents or security breaches. In such situations, we will follow the procedure for reporting and notifying security incidents and will take all necessary steps to reduce the effects of the incident and to return the situation to the state of normality in which it was previously.

  1.  Disclaimer

The Finances-Education.com website may contain links to other websites and/or web pages that are not the property of the company. Finances-Education.com assumes no responsibility for the content of these sites and therefore cannot be held responsible for the content, advertising, goods, services, software, information or other materials available on or through such sites websites. Finances-Education.com will not be responsible for the loss of personal data, any negative effects on visitor’s personal data or other moral and/or patrimonial damages caused by access to those sites.

As such, Finances-Education.com encourages and advises you to read and familiarize yourself with the existing Privacy Policies of any website and/or application you access before providing any personal data..

  1.  Update of the Personal Data Protection and Processing Policy

Please note that this Policy may be subject to periodic changes in content by updating the Finances-Education.com Site. So it is necessary to check this page for any update.

Please do not continue to use the Finances-Education.com Site if you do not agree to such changes.

© 2023 Copyright – www.Finances-Education.com

The terms of this Policy are interpreted in accordance with applicable law.

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