We use your information to:

• Provide and maintain our services
• Process your transactions and manage your account
• Personalize your experience on the platform
• Send important notifications about your account
• Improve our services through usage analysis
• Detect and prevent fraud or suspicious activities
• Comply with legal and regulatory obligations

We never sell or share your personal data with third parties for marketing purposes.

We implement multiple security measures to protect your information:

• Encryption: All data is transmitted via HTTPS/TLS
• Passwords: Stored using secure hash algorithms (bcrypt)
• Authentication: Support for two-factor authentication (2FA)
• Access: Role and permission-based access control
• Monitoring: Real-time detection of suspicious activities
• Backups: Automatic and encrypted backups

Your data is stored on secure servers located in certified data centers.

After these periods, data is permanently and irreversibly deleted.

You have the right to:

• Access: Request a copy of all your personal data
• Rectification: Correct inaccurate or incomplete data
• Deletion: Request deletion of your account and data
• Portability: Export your data in readable format (CSV, JSON)
• Opposition: Object to processing of certain data
• Limitation: Request restriction of processing

To exercise these rights, contact us at privacy@FinanzWave.com

We use cookies and similar technologies to:

• Keep your session active
• Remember your preferences
• Analyze platform usage
• Improve security

You can manage cookies from your browser settings.

We only share your information with third parties in the following circumstances:

• Service providers: Hosting, email, payment processing (under confidentiality agreements)
• Legal compliance: When required by law or competent authorities
• Rights protection: To protect our legal rights or prevent fraud
• With your consent: When you explicitly authorize sharing

We never sell your personal data to third parties.

FinanzWave is not intended for minors under 18 years of age. We do not intentionally collect personal information from minors.

If we discover that we have collected data from a minor without verifiable parental consent, we will delete that information from our servers immediately.

We may update this privacy policy periodically. We will notify you of significant changes through:

• Email notification
• Prominent notice on the platform
• Update of the "Last updated" date

We recommend reviewing this policy periodically to stay informed about how we protect your information.

If you have questions about this privacy policy or how we handle your data, you can contact us:

• 📧 Email: privacy@FinanzWave.com
• 🌐 Web: www.FinanzWave.com/contact
• 📍 Address: [Company address]