Privacy Policy

1. Introduction

Financiffy ("we," "our," or "us") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website Financiffy.com or use our financial planning services.

This policy complies with the Data Privacy Act of 2012 (Republic Act No. 10173) of the Philippines and other applicable data protection laws. By using our services, you consent to the data practices described in this policy.

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

• Contact Information: Name, email address, phone number, mailing address
• Financial Information: Income, expenses, investment goals, risk tolerance, financial objectives
• Identity Information: Date of birth, government-issued ID numbers (for verification purposes)
• Account Information: Username, password, account preferences
• Communication Records: Correspondence, consultation notes, feedback

2.2 Automatically Collected Information

We automatically collect certain information when you visit our website:

• Usage Data: Pages visited, time spent, click patterns
• Device Information: IP address, browser type, operating system, device identifiers
• Location Data: General geographic location (city, country)
• Cookies and Similar Technologies: As described in our Cookies section

3. How We Use Your Information

We use your personal information for the following purposes:

• Service Delivery: Provide financial planning services, consultations, and educational content
• Communication: Respond to inquiries, send updates, and provide customer support
• Personalization: Customize our services and recommendations based on your financial profile
• Legal Compliance: Comply with applicable laws, regulations, and regulatory requirements
• Security: Protect against fraud, unauthorized access, and other security threats
• Improvement: Analyze usage patterns to improve our services and website functionality
• Marketing: Send relevant financial tips, newsletters, and promotional materials (with your consent)

4. Information Sharing

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

• Service Providers: With trusted third-party vendors who assist in providing our services (subject to confidentiality agreements)
• Legal Requirements: When required by law, court order, or government regulation
• Business Transfers: In connection with a merger, acquisition, or sale of assets (with notice to affected users)
• Consent: When you explicitly consent to sharing your information
• Protection: To protect our rights, property, or safety, or that of our users or the public

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information:

• Encryption: Data is encrypted in transit and at rest using industry-standard protocols
• Access Controls: Limited access to personal information on a need-to-know basis
• Regular Audits: Periodic security assessments and vulnerability testing
• Employee Training: Staff training on data protection and privacy best practices
• Incident Response: Procedures for handling and reporting data breaches

Note: While we strive to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

6. Data Retention

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy:

• Active Users: Information is retained while you maintain an active account
• Legal Requirements: Some information may be retained longer to comply with legal obligations
• Business Purposes: Financial records may be retained for up to 7 years for regulatory compliance
• Marketing Data: Marketing preferences are retained until you opt out or request deletion

When information is no longer needed, we securely delete or anonymize it.

7. Your Rights

Under the Data Privacy Act of 2012, you have the following rights regarding your personal information:

• Right to Access: Request copies of your personal information we hold
• Right to Rectification: Correct inaccurate or incomplete information
• Right to Erasure: Request deletion of your personal information (subject to legal requirements)
• Right to Restrict Processing: Limit how we use your information
• Right to Data Portability: Receive your data in a structured, machine-readable format
• Right to Object: Object to processing for marketing or other purposes
• Right to Withdraw Consent: Withdraw consent for data processing at any time

To exercise these rights, please contact us using the information provided in the Contact Us section.

8. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our website:

• Essential Cookies: Required for basic website functionality
• Analytics Cookies: Help us understand how visitors use our website
• Preference Cookies: Remember your settings and preferences
• Marketing Cookies: Used to deliver relevant advertisements (with consent)

You can control cookie settings through your browser preferences. Note that disabling certain cookies may affect website functionality.

9. Third-Party Services

Our website may contain links to third-party websites or integrate with third-party services. This privacy policy does not apply to these external sites. We encourage you to review the privacy policies of any third-party services you use.

We may use the following types of third-party services:

• Analytics Services: Google Analytics for website usage analysis
• Payment Processors: Secure payment processing for consultation fees
• Email Services: Email delivery and marketing automation
• Cloud Storage: Secure data storage and backup services

10. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

11. Changes to Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending email notifications to registered users
• Displaying prominent notices on our website

Your continued use of our services after any changes constitutes acceptance of the updated Privacy Policy.

12. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us:

Data Protection Officer: For privacy-related inquiries, please contact our Data Protection Officer at the above address or phone number.