Last Updated: [01-Oct-2024]
At risk.money, we are committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, share, and safeguard your personal data when you interact with our website, services, and advertising, in compliance with applicable privacy laws, including the General Data Protection Regulation (GDPR), UK Data Protection Act 2018, and California Consumer Privacy Act (CCPA).
By using risk.money ("the website", "the app", "the blog", "group sites" or "any associated service"), you agree to the practices described in this policy. If you have any questions or concerns, please contact us at support[at]risk.money.
1. Information We Collect
We collect personal information when you provide it to us voluntarily. This includes:
- Personal Identifiers: Name, email address, phone number, and any other details you may provide when signing up for newsletters, creating an account, or contacting us.
- Technical Data: IP addresses, browser type, operating system, and website interaction data through the use of cookies and similar tracking technologies.
- Usage Data: Information about how you use our website and services, including pages visited, time spent on each page, and interaction with advertisements.
2. How We Use Your Information
We use your personal information for the following purposes:
- To Provide Services: We collect and use your information to deliver the services you request, such as sending newsletters, responding to inquiries, or facilitating account registration.
- For Communication: We may use your email or phone number to send updates, marketing communications, or respond to your requests and inquiries. You can opt out of marketing communications at any time.
- For Website Improvement: We analyze user behavior to enhance the functionality and user experience of our website.
- To Display Advertising: We may use the information collected to serve personalized advertisements based on your interests and browsing behavior. We use services like Google Ads for targeted advertising.
- Compliance and Legal Obligations: We may process your personal information to comply with legal obligations, including requests from public authorities.
3. Legal Basis for Processing Your Information (GDPR and UK DPA Compliance)
We process your personal data based on the following legal grounds:
- Consent: We rely on your explicit consent to collect and use your personal data when you voluntarily provide it. For example, when you sign up for our newsletter or submit your contact information.
- Contractual Necessity: We process your information as necessary to provide the services you request, such as responding to inquiries or delivering requested content.
- Legitimate Interests: We may process your data to pursue legitimate interests, such as improving our website’s functionality and ensuring security, provided that these interests do not override your rights.
- Legal Obligations: We may process your personal data where necessary to comply with legal obligations.
4. Your Rights under GDPR, UK DPA, and CCPA
Depending on your location, you may have the following rights:
- Right to Access: You have the right to request access to the personal information we hold about you.
- Right to Rectification: You can request corrections to any inaccurate or incomplete personal data.
- Right to Erasure: You can ask us to delete your personal data where it is no longer necessary for the purposes for which it was collected.
- Right to Restrict Processing: You can request that we restrict the processing of your personal data in certain circumstances.
- Right to Data Portability: You have the right to request the transfer of your data to another provider in a structured, commonly used format.
- Right to Object: You can object to our processing of your personal data for direct marketing purposes.
- Right to Withdraw Consent: If you provided consent for the processing of your personal data, you have the right to withdraw it at any time.
- Right to Opt-Out of Sale (CCPA): If you are a California resident, you can opt-out of the sale of your personal information to third parties.
To exercise any of these rights, please contact us at support[at]risk.money. We will respond to your request in accordance with applicable laws.
5. Cookies and Tracking Technologies
risk.money uses cookies and similar tracking technologies to enhance user experience, monitor website performance, and deliver targeted advertising. These may include:
- Essential Cookies: Necessary for the functioning of the website.
- Performance Cookies: Used to collect anonymous data on user behavior and improve website performance.
- Advertising Cookies: Used to deliver personalized ads based on your browsing habits.
You can manage your cookie preferences by adjusting your browser settings. You may also opt out of targeted advertising by using ad network opt-out tools such as Google Ads Preferences.
6. Google Ads and Third-Party Advertising
We use third-party advertising services, such as Google Ads, to display ads based on your interactions with our website. These ads may be personalized based on your browsing history and interests.
Google Ads and other ad providers may collect information about your device and browsing behavior using cookies, pixels, and other technologies to serve relevant ads. You can manage or opt out of personalized ads by adjusting your Google Ads settings or visiting Google Ads Preferences.
7. Data Retention
We will retain your personal information only for as long as is necessary for the purposes outlined in this Privacy Policy, including to satisfy legal, regulatory, or accounting requirements. When your information is no longer needed, we will securely delete or anonymize it.
8. Data Security
We take data security seriously and implement appropriate technical and organizational measures to protect your personal information from unauthorized access, disclosure, or misuse. However, no system can be completely secure, and we cannot guarantee the absolute security of your data.
9. Sharing Your Information
We may share your personal information with the following third parties:
- Service Providers: We may share your data with trusted service providers, such as email marketing platforms, data analytics services, or web hosting providers, to perform tasks on our behalf.
- Advertising Partners: We may share information with third-party advertisers like Google Ads to display personalized ads.
- Legal and Regulatory Authorities: We may disclose your information to comply with legal obligations or requests from government authorities.
- Business Transfers: In the event of a merger, acquisition, or sale of all or part of our business, your information may be transferred as part of that transaction.
We do not sell your personal data to third parties for monetary gain.
10. International Data Transfers
If you are located in the European Economic Area (EEA) or United Kingdom (UK), please be aware that your personal data may be transferred to, and processed in, countries outside of the EEA or UK, including the United States. These countries may have data protection laws that differ from your jurisdiction. We ensure that any such transfers comply with applicable data protection laws through appropriate safeguards, such as Standard Contractual Clauses (SCCs).
11. Children's Privacy
Our services are not directed to individuals under the age of 16. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately so we can take appropriate action.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by updating the "Last Updated" date at the top of this policy. Please review this policy periodically to stay informed about how we are protecting your information.
13. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us at: support[at]risk.money
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