Privacy Policy

1. Introduction

At bevalomustra, we take your privacy seriously. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our financial planning platform at bevalomustra.sbs. We're committed to maintaining the trust and confidence of our users by ensuring transparent handling of your data.

This policy applies to all services offered through our platform, including our learning programs, financial planning tools, and any communications you have with us. By using our services, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

We collect several types of information to provide and improve our services to you:

3. How We Use Your Information

We use your information to deliver personalized financial planning services, respond to your inquiries, and improve our platform's functionality. Your financial data helps us provide relevant recommendations and educational content tailored to your needs.

4. Data Sharing and Third Parties

We do not sell, trade, or rent your personal information to third parties. However, we may share your information in the following circumstances:

• Service Providers: We work with trusted third-party service providers who assist us in operating our platform, conducting business, or serving our users
• Legal Requirements: We may disclose your information when required by law, court order, or governmental authority
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction
• Consent: We may share your information with your explicit consent for specific purposes

All third-party service providers are contractually obligated to maintain the confidentiality and security of your information and are prohibited from using it for any other purpose.

5. Your Rights and Choices

Under UK data protection law, you have several rights regarding your personal information:

6. Data Security

We implement comprehensive security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security protocols include:

• Encryption of sensitive data both in transit and at rest
• Regular security audits and vulnerability assessments
• Access controls and authentication measures
• Employee training on data protection and security practices
• Secure hosting infrastructure with monitoring capabilities

While we strive to use commercially acceptable means to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security but are committed to implementing industry-standard protections.

7. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy. Our retention periods are based on:

• The length of time we have an ongoing relationship with you
• Legal obligations that require us to keep certain records
• The need to resolve disputes or enforce our agreements
• Regulatory requirements in the financial services sector

Generally, we retain account information for seven years after account closure to comply with financial regulations. Marketing communications data is retained until you opt out or withdraw consent.

8. International Data Transfers

Your information may be transferred to and processed in countries other than the United Kingdom. When we transfer your information internationally, we ensure appropriate safeguards are in place to protect your data, including:

• Adequacy decisions by the UK government
• Standard contractual clauses approved by authorities
• Binding corporate rules for intra-group transfers
• Certification schemes and codes of conduct

9. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform. These technologies help us:

• Remember your preferences and settings
• Understand how you use our services
• Provide personalized content and recommendations
• Analyze platform performance and user behavior

You can control cookie settings through your browser preferences. However, disabling certain cookies may limit your ability to use some features of our platform.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. When we make changes, we will:

• Update the "Last Updated" date at the top of this policy
• Notify you via email if changes are material
• Provide clear information about what has changed
• Give you the opportunity to review the updated policy

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