Privacy Policy

1. Identity of the Data Controller

The data controller responsible for personal information collected through this website is Wise Finance Hub, an educational center focused on financial literacy for young professionals in Ecuador, reachable at the address Chimborazo 2609 y, 090314 Guayaquil, and by email at info@wise-finance-hub.com.

This Privacy Policy applies to all personal data collected through the website wise-finance-hub.com and any associated subpages or services. It has been prepared in compliance with the Ley Orgánica de Protección de Datos Personales (LOPDP) of Ecuador, enacted on 26 May 2021, which constitutes the primary data protection framework applicable to entities operating within or targeting individuals in Ecuador.

2. Data We Collect and How We Collect It

We collect personal data only when you voluntarily provide it to us. The categories of data we may collect include:

• Contact information such as your full name and email address, provided when you submit the contact form on our website.
• The content of any message you send us through the contact form.
• Technical data collected automatically when you visit our website, including your IP address, browser type, operating system, referring URLs, pages visited, and time spent on pages. This data is collected through cookies and similar tracking technologies.
• Cookie preference data, stored locally to record your consent choices regarding optional cookie categories.

We do not collect sensitive personal data as defined under the LOPDP, such as data relating to health, political opinions, religious beliefs, or biometric information.

3. Purposes and Legal Basis for Processing

We process personal data for the following purposes and on the following legal bases:

• Responding to enquiries: When you submit the contact form, we process your name, email address, and message in order to respond to your question or request. The legal basis is your consent, given at the time of submission by accepting this Privacy Policy.
• Website analytics: We may use anonymised or aggregated technical data to understand how visitors use our site and to improve its content and functionality. Where analytics cookies are used, the legal basis is your explicit consent, obtained through our cookie consent mechanism.
• Cookie management: We store your cookie preferences to avoid asking for consent on every visit. The legal basis is our legitimate interest in providing a consistent user experience, and your consent where required by law.
• Legal compliance: We may process data where required to comply with a legal obligation applicable to us under Ecuadorian law.

4. Data Sharing and Third Parties

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

• Service providers: We may engage trusted third-party service providers who assist us in operating this website, such as hosting providers or analytics platforms. These providers are contractually required to process data only on our instructions and in accordance with applicable data protection law.
• Legal requirements: We may disclose personal data if required to do so by law, court order, or a competent regulatory authority in Ecuador.
• Business transfers: In the event of a merger, acquisition, or restructuring, personal data held by us may be transferred as part of that transaction, subject to the same protections described in this policy.

We do not transfer personal data outside Ecuador unless adequate protections are in place as required by the LOPDP.

5. Data Retention

We retain personal data only for as long as necessary to fulfil the purposes for which it was collected, or as required by applicable law. Specifically:

• Contact form submissions are retained for a period of up to 24 months from the date of submission, after which they are securely deleted.
• Technical and analytics data is retained in aggregated or anonymised form and does not identify individual users after processing.
• Cookie preference records are stored in your browser for up to 12 months, after which consent will be requested again.

When data is no longer required, we apply secure deletion procedures appropriate to the sensitivity of the information.

6. Your Rights Under the LOPDP

Under the Ley Orgánica de Protección de Datos Personales of Ecuador, you have the following rights with respect to your personal data:

• Right of access: You may request confirmation of whether we hold personal data about you and obtain a copy of that data.
• Right of rectification: You may request correction of any inaccurate or incomplete personal data we hold about you.
• Right of erasure: You may request deletion of your personal data where it is no longer necessary for the purposes for which it was collected, or where you withdraw consent on which processing was based.
• Right to object: You may object to processing of your personal data where we rely on legitimate interests as the legal basis.
• Right to restrict processing: You may request that we limit the processing of your personal data in certain circumstances.
• Right to data portability: Where processing is based on consent or contract and carried out by automated means, you may request your data in a structured, commonly used, machine-readable format.
• Right to withdraw consent: Where processing is based on consent, you may withdraw that consent at any time without affecting the lawfulness of processing before withdrawal.

To exercise any of these rights, please contact us at info@wise-finance-hub.com. We will respond within the timeframes established by the LOPDP. You also have the right to lodge a complaint with the Autoridad de Protección de Datos Personales of Ecuador if you believe your rights have been infringed.

7. Security Measures

We implement appropriate technical and organisational measures to protect personal data against unauthorised access, accidental loss, alteration, disclosure, or destruction. These measures include the use of HTTPS encryption for all data transmitted through our website, access controls limiting who can access personal data internally, and regular review of our security practices.

No method of transmission over the internet or electronic storage is completely secure. While we take reasonable precautions, we cannot guarantee absolute security of your personal data.

8. Cookies

Our website uses cookies and similar tracking technologies. A cookie is a small text file placed on your device when you visit a website. We use essential cookies that are necessary for the website to function, and optional cookies for analytics and marketing purposes that are only placed with your consent.

For detailed information about the cookies we use, the purposes for which we use them, and how to manage your preferences, please refer to our Cookie Policy.

9. Minors

Our website and services are directed at university students and recent graduates, who are generally adults. We do not knowingly collect personal data from individuals under the age of 18. If you believe that a minor has provided us with personal data without appropriate parental or guardian consent, please contact us immediately at info@wise-finance-hub.com so that we may delete such data.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or operational circumstances. When we make material changes, we will update the "Last updated" date at the top of this document. We encourage you to review this policy periodically.

Continued use of our website after any changes to this policy constitutes your acknowledgement of the updated terms. If you have questions about any changes, please contact us at info@wise-finance-hub.com.