Privacy Policy for SmartMoneyAtlas.com
1. Introduction
At SmartMoneyAtlas.com, we are committed to protecting and respecting your privacy. We recognize the importance of safeguarding your personal data and ensuring transparency in how it is collected, processed, stored, and shared. This Privacy Policy outlines how SmartMoneyAtlas.com processes your data in compliance with applicable privacy and data protection laws—most notably, the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA). We place the highest priority on ensuring your data is handled legally, fairly, and securely.
2. Scope of Policy and Role of Data Controller
This Privacy Policy applies to your use of all services provided through the SmartMoneyAtlas.com website and associated platforms. For the purposes of the GDPR and other relevant privacy laws, SmartMoneyAtlas.com acts as the “data controller,” meaning we determine the purposes and methods of processing your personal data. By accessing or using our services, you acknowledge the use and processing of your data in accordance with this policy.
3. Categories of Data Processed
We collect and process the following categories of personal data, either directly from you or through your interaction with SmartMoneyAtlas.com:
a) Usage Data
– Data relating to your visits and interactions with the website, such as IP address, browser type and version, device type, operating system, referral sources, time spent on the site, and pages visited.
b) Account Data
– Information you provide when registering or creating an account on SmartMoneyAtlas.com, including your full name, email address, postal address, phone number, and account credentials.
c) Profile Data
– Data about your preferences, interests, purchase history, account settings, and behaviors while using our services.
d) Communication Data
– Records of communications you send to us, such as emails, support tickets, chat transcripts, and other correspondence.
e) Technical Data
– Information about the devices and technical systems used to access our website, including system configurations, screen resolution, device identifiers, and language settings.
f) Transaction Data
– Data relating to financial transactions you make through the site, including payment details, order histories, and delivery or billing addresses. Please note that we do not store full credit card information; this is processed securely via our external payment providers.
g) Preference Data
– Marketing and communication preferences, newsletter consents, survey responses, and stated interests in particular products or resources.
4. Legal Bases for Processing
We process your personal data based on the following lawful grounds as stipulated by the GDPR:
– Consent: Where you have given explicit permission (e.g., for receiving marketing emails).
– Contractual Necessity: To fulfill our obligations under a contract with you (e.g., account management or order fulfillment).
– Legitimate Interests: To operate and improve SmartMoneyAtlas.com, prevent fraud, ensure security, and inform you about services we believe are of interest—when those interests are not overridden by your personal rights.
– Legal Obligation: When processing is required to comply with regulatory or legal obligations.
5. Your Rights
Under the GDPR and CCPA, you have robust rights concerning your personal data:
– Right of Access: You may request a copy of the personal data we hold about you.
– Right to Rectification: You have the right to request corrections to inaccurate or incomplete data.
– Right to Erasure: You may request deletion of your data where there is no longer a legal ground for processing.
– Right to Restriction: You can request that we limit the way we use your data in certain circumstances.
– Right to Data Portability: You may request a copy of your personal data in a commonly used, machine-readable format.
– Right to Object: You may object to the processing of your data for direct marketing or where processing is based on our legitimate interests.
– Non-Discrimination (CCPA): You will not receive discriminatory treatment for exercising your privacy rights.
6. Security Measures
We take your data security very seriously and implement a variety of organizational and technical measures to safeguard your personal data, including:
– End-to-end encryption for data transmission and storage
– Access controls and multi-factor authentication for user and administrative accounts
– Regular automated and manual data backups
– Data access restricted on a need-to-know basis
– Ongoing privacy and security training for employees and contractors
7. International Transfers
Where data is transferred outside of your local jurisdiction—including transfers from the European Economic Area (EEA) to countries without an adequacy decision—SmartMoneyAtlas.com ensures these transfers comply with data protection laws through the use of Standard Contractual Clauses (SCC) and other safeguards as required under the GDPR or CCPA.
8. Data Retention
We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected, and in accordance with applicable laws. The following guidelines apply:
– Usage Data: Retained for 12 months for analytics and performance monitoring.
– Account and Profile Data: Retained for the duration of the account and for 6 years thereafter for legal and administrative purposes.
– Transaction Data: Retained for 7 years for tax and legal compliance.
– Communication Data: Retained for 24 months from last correspondence.
– Preference Data: Retained until consent is withdrawn or modified.
9. Cookie Policy
SmartMoneyAtlas.com uses cookies and similar tracking technologies to enhance your browsing experience. Cookies fall into the following categories:
– Essential Cookies: Necessary for website functionality (e.g., login sessions, cart retention).
– Functional Cookies: Enable enhanced features such as saved preferences.
– Analytics Cookies: Provide aggregated usage data to help us improve the site.
– Performance Cookies: Track site performance and user responsiveness.
No unnecessary cookies will be stored without your prior consent, unless they are strictly necessary for the functioning of the site.
10. Cookie Management and Compliance
Upon your first visit to SmartMoneyAtlas.com, you are presented with a cookie banner that allows you to accept or reject non-essential cookies. You can update your cookie preferences at any time via the “Cookie Settings” link in the website footer. We honor browser “Do Not Track” signals and comply fully with consent requirements under GDPR and opt-out mandates under CCPA.
11. Children’s Privacy
SmartMoneyAtlas.com does not knowingly collect or process personal data relating to children under the age of 13. If we become aware that we have inadvertently collected such information, we will delete it promptly and take steps to prevent future collection. Parents or legal guardians may contact us at [email protected] if they have concerns regarding personal data about their child.
12. Policy Updates and User Notifications
We may periodically revise this Privacy Policy to reflect changes in legal or regulatory requirements, our data practices, or website functionality. Material changes to how we process your personal data will be communicated via suitable channels such as website notices or direct email.
We encourage you to review this Privacy Policy regularly to stay informed about how your information is protected.
13. Contact Us
If you have any questions, concerns, or requests related to your privacy or the information we hold about you, you may contact us at:
Email: [email protected]
Website: https://www.smartmoneyatlas.com
We are deeply committed to upholding the principles and obligations of global data privacy frameworks and fostering a secure and respectful digital environment for our users. Please do not hesitate to reach out if you have privacy-related inquiries or require assistance in exercising your rights.