Privacy Policy

At Fiscovraag, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website fiscovraag.com and use our financial planning services. Please read this policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site.

We are committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement. Fiscovraag may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes.

1. Data Controller

The data controller responsible for your personal data is:

Fiscovraag
Herepoortenplein 12
9712 GD Groningen
Netherlands
Email: [email protected]
Phone: +31 70 408 90 20

2. Information We Collect

We collect information to provide better services to all our users. This includes:

• Personal Identification Information: Name, email address, phone number, and postal address when you register, subscribe, or contact us.
• Financial Data: Budget details, income information, expense categories, and financial goals provided by you for the purpose of financial planning and budget allocation. This data is processed securely and is used solely to generate reports and recommendations.
• Technical Data: IP address, browser type, operating system, referring URLs, and device identifiers collected automatically via cookies and similar technologies.
• Usage Data: Pages visited, time spent on pages, click paths, and interactions with our services to improve user experience and functionality.

3. How We Use Your Data

We use the information we collect in the following ways:

• Service Provision: To provide, maintain, and improve our financial planning tools, budget allocation strategies, and customer support.
• Communication: To send you technical notices, updates, security alerts, and support and administrative messages.
• Personalization: To tailor your experience on our website, provide content and recommendations relevant to your financial interests, and analyze user behavior.
• Security: To detect, prevent, and address technical issues, fraud, and security threats.
• Legal Compliance: To comply with legal obligations, such as tax reporting, anti-money laundering checks, and regulatory requirements.

4. Legal Basis for Processing

Under the General Data Protection Regulation (GDPR), we rely on the following legal bases to process your personal data:

• Contract: Processing necessary to perform our contract with you (e.g., providing financial planning services).
• Legitimate Interest: Processing necessary for our legitimate interests in running our business, provided these are not overridden by your rights (e.g., improving website security, fraud prevention).
• Consent: Where you have given clear consent for us to process your personal data for a specific purpose (e.g., sending marketing newsletters). You may withdraw your consent at any time.

5. Data Sharing and Disclosure

We do not sell your personal data. We may share your information only in the following circumstances:

• Service Providers: With trusted third-party service providers who perform services on our behalf (e.g., cloud hosting, data analytics, email communication). These providers are contractually obligated to protect your data and may only use it to provide services to us.
• Legal Requirements: If we are required to do so by law or in response to valid requests by public authorities (e.g., courts, law enforcement agencies).
• Business Transfers: In connection with any merger, sale of company assets, financing, or acquisition of all or a portion of our business by another company.

6. International Data Transfers

Your information may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction where data protection laws may differ. If we transfer your data outside of the European Economic Area (EEA), we ensure adequate safeguards are in place to protect your data, such as Standard Contractual Clauses (SCCs) approved by the European Commission.

7. Data Security

We implement a variety of security measures to maintain the safety of your personal information. These include:

• Secure Socket Layer (SSL) encryption for data transmission.
• Firewalls and secure server infrastructure.
• Strict access controls and authentication protocols for our employees.
• Regular security audits and vulnerability assessments.

However, no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

8. Your Rights Under GDPR

If you are a resident of the European Economic Area (EEA), you have certain data protection rights. Fiscovraag aims to take reasonable steps to allow you to correct, amend, delete, or limit the use of your personal data. You have the right to:

• Access: Request a copy of the personal data we hold about you.
• Rectification: Request correction of any inaccurate or incomplete data.
• Erasure: Request the deletion of your personal data (also known as the "right to be forgotten").
• Restriction: Request restriction of the processing of your personal data.
• Portability: Request transfer of your data to another organization.
• Objection: Object to the processing of your personal data.

To exercise these rights, please contact us at [email protected]. We will respond to your request within 30 days in accordance with legal requirements.

9. Data Retention

We will retain your personal data only for as long as is necessary for the purposes set out in this privacy policy. We will retain and use your data to the extent necessary to comply with our legal obligations (for example, tax and accounting requirements), resolve disputes, and enforce our agreements. Generally, data is retained for the duration of the business relationship and for a period of 7 years following its termination, unless a longer retention period is required or permitted by law.

10. Children’s Privacy

Our services are not intended for individuals under the age of 16. We do not knowingly collect personally identifiable information from children under 16. If you are a parent or guardian and you are aware that your child has provided us with personal data, please contact us. If we become aware that we have collected personal data from children under 16 without verification of parental consent, we take steps to remove that information from our servers.

11. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. These changes are effective immediately after they are posted on this page.

12. Contact Us

If you have any questions about this Privacy Policy, the data we hold about you, or if you would like to exercise your data protection rights, please contact us:

Fiscovraag
Herepoortenplein 12
9712 GD Groningen
Netherlands
Email: [email protected]
Phone: +31 70 408 90 20