Privacy Policy for CeFinan.com

Effective Date: April 13, 2025

This Privacy Policy explains how CeFinan.com ("we," "us," or "our") collects, uses, stores, transfers, and protects your personal data when you access or use our website and interactive dashboard (collectively, the "Services"). This Policy is intended to fulfill our obligations under applicable data protection laws, including the General Data Protection Regulation (GDPR) (EU) 2016/679.

Please Note: Our Services provide in-depth, mathematical, and statistical analyses of stock performance and correlations. They are solely intended for informational and educational purposes and do not constitute investment advice. Any reliance on the information provided is at your sole risk, and investments involve the risk of partial or total loss of capital.

1. Introduction

By accessing and using our Services, you agree to the collection and use of your information in accordance with this Privacy Policy. We process your personal data only for legitimate purposes related to providing, improving, and securing our Services. Further details regarding the processing of your personal data during any transactions or communications with us will be provided at the point of sale and within this document.

2. Data Controller

The data controller for your personal information is:

CeFinan.com

Martin

France

For any questions or concerns regarding our data practices, please contact us via:

📧 martin@cefinan.com

3. Sources of Personal Data

We collect personal data directly from you in various ways, including but not limited to:

Account Registration:

When you create an account or subscribe to our Services.

Service Requests and Inquiries:

When you send us questions or request support.

Purchases:

When you purchase subscriptions or licenses to access our Services.

Website Interactions:

As you browse our website (e.g., cookies, IP addresses, and usage logs).

Feedback & Communications:

When you provide feedback, participate in surveys, or engage with our communications.

4. Types of Data Collected

A. Personal Data

Examples include, but are not limited to:

  • Your name and surname
  • Email address
  • Account login credentials and associated profile data
  • Payment details (when making a purchase)

B. Non-Personal and Usage Data

We automatically collect data such as:

  • Your IP address, browser type, and device information
  • Usage statistics (e.g., pages visited, session durations, and interaction logs)
  • Aggregated and anonymized data for analytics and performance enhancement

5. Purposes of Data Processing

We process your personal data to:

Provide and Manage Services:

Facilitate account creation, subscription management, and license purchases.

Communicate:

Respond to your inquiries, send transactional communications, and share information about service updates.

Enhance and Secure the Platform:

Analyze usage patterns to improve the functionality, performance, and security of our Services.

Compliance:

Ensure compliance with applicable legal and contractual obligations and to defend against claims.

Analytics & Research:

Aggregate and anonymize data for internal research, system improvement, and development of new features.

Our processing also extends to refining our analytical tools that power our stock analysis features—all in a manner that is strictly informational.

The “Conservative”, ‘Moderate’ and “Dynamic” profiles are not personalized recommendations but generic scenarios intended to illustrate different portfolio allocation strategies. CeFinan.com does not collect or use your personal data to provide you with advice tailored to your financial situation.

6. Legal Basis for Processing

Our processing activities are based on one or more of the following legal grounds:

Contractual Necessity:

Processing is necessary for the performance of a contract (e.g., providing you with access to our Services).

Legitimate Interests:

We rely on our legitimate interests to operate, improve, secure, and develop our Services, as well as for statistical analysis and marketing.

Consent:

When you explicitly provide consent (e.g., for non-essential cookies or usage tracking beyond standard operational requirements).

Legal Obligations:

We process data as necessary to comply with legal obligations imposed by law.

7. Data Retention

Your personal data is retained for as long as necessary to fulfill the purposes outlined in this Privacy Policy and for compliance with our legal obligations. If processing is based on consent, you may withdraw your consent at any time. However, withdrawal does not affect the lawfulness of any processing carried out before such withdrawal.

8. Data Sharing and Recipients

Your data may be shared with trusted third parties who assist us in:

Hosting and IT Services:

Data hosting, maintenance, and IT support providers.

Payment Processing:

External payment processors Stripe to facilitate license purchases.

Analytics and Marketing:

External vendors (e.g., Google Analytics) to help analyze site usage and improve our Services.

Your personal data is only shared with third parties when it is necessary for the purposes described, and all third-party partners are required to implement adequate safeguards for your data. Furthermore, any data transfers outside the European Economic Area (EEA) are subject to standard contractual clauses or other approved mechanisms to ensure adequate protection.

9. Security Measures

We adopt commercially reasonable technical and organizational measures to protect your personal data against unauthorized or unlawful processing and against accidental loss, destruction, or damage. However, no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security.

10. Children's Privacy

Our Services are not designed for children under 13 years of age, and we do not knowingly collect personal information from children under this age. If we become aware that a child under 13 has provided personal data, we will take steps to promptly delete such information. If you believe a child has provided us with personal data, please contact us immediately.

11. Your Rights

Under applicable data protection laws, you have various rights regarding your personal data, including:

  • Access: Request access to your personal data
  • Rectification: Request correction of any inaccurate or incomplete information
  • Erasure: Request deletion of your personal data
  • Restriction: Request restriction of processing under certain circumstances
  • Data Portability: Request that your data be provided in a structured, commonly used, and machine-readable format
  • Objection: Object to the processing of your personal data based on our legitimate interests
  • Withdrawal of Consent: Withdraw your consent at any time, where processing is based on consent

To exercise any of these rights, please contact us at our contact details provided below. We will respond to your request within one month (or as required by applicable law).

12. External Links

Our website may include links to third-party websites that are not governed by this Privacy Policy. We recommend reviewing the privacy policies of those external sites before providing any personal data.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page along with a revised "Effective Date." Your continued use of our Services after any changes signifies your acceptance of the updated Privacy Policy.

14. Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or our data processing practices, please contact us at:

📧 martin@cefinan.com

Martin

France

This Privacy Policy was last updated on April 13, 2025. We encourage you to review this Policy periodically to stay informed about how we protect your personal data.