Privacy Policy

1. Who We Are

Velorafonds AI ("we", "us", "our") provides predictive, risk-optimized decision support tools intended to help households plan long-term financial security. This policy applies to all information collected through our website, forms, and related services (collectively, the "Service").

2. Information We Collect

We may collect the following categories of information:

• Information you provide directly: name, email address, and any financial or household details you enter into our planning forms or contact us with.
• Usage data: pages visited, time spent on the Service, referring pages, and interactions with tools and forms.
• Device and technical data: browser type, operating system, IP address, and approximate location derived from your IP address.
• Cookies and similar technologies: small data files stored on your device to support functionality, remember preferences, and analyze usage (see Section 7).

3. How We Use Information

We use collected information for purposes including:

• Providing, operating, and personalizing the projections and planning tools within the Service.
• Responding to inquiries submitted through contact or lead forms.
• Improving the accuracy, usability, and performance of our website and tools.
• Communicating updates, requested information, or administrative notices related to your use of the Service.
• Detecting, investigating, and preventing fraudulent, unauthorized, or unlawful activity.
• Complying with applicable legal obligations.

4. Legal Basis for Processing

Where applicable law requires a legal basis for processing personal data, we rely on one or more of the following: your consent, the necessity of processing to provide a service you requested, our legitimate interests in operating and improving the Service, and compliance with legal obligations. You may withdraw consent at any time where processing is based on consent, without affecting the lawfulness of processing carried out prior to withdrawal.

5. How We Share Information

We do not sell personal information. We may share information in the following limited circumstances:

• Service providers: third parties that support hosting, analytics, email delivery, or similar functions, bound by confidentiality and data protection obligations.
• Legal and safety reasons: where disclosure is necessary to comply with a legal obligation, enforce our terms, or protect the rights, property, or safety of Velorafonds AI, our users, or others.
• Business transfers: in connection with a merger, acquisition, reorganization, or sale of assets, subject to appropriate confidentiality safeguards.

6. Data Retention

We retain personal information only for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required or permitted by law. When information is no longer needed, we take reasonable steps to delete, anonymize, or securely dispose of it.

7. Cookies and Tracking Technologies

Our Service may use cookies and similar technologies to:

• Remember your preferences and settings.
• Understand how visitors interact with our pages and tools.
• Support the security and proper functioning of the Service.

You can control or disable cookies through your browser settings; however, doing so may affect the functionality of certain features.

8. Data Security

We implement reasonable technical and organizational measures designed to protect personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security of information transmitted through the Service.

9. International Data Transfers

If you access the Service from outside the country in which our servers or service providers are located, your information may be transferred to, stored, and processed in a different jurisdiction. Where required by applicable law, we take steps intended to ensure that such transfers are subject to appropriate safeguards.

10. Your Rights

Depending on your jurisdiction, you may have rights regarding your personal information, which may include the right to:

• Request access to the personal information we hold about you.
• Request correction of inaccurate or incomplete information.
• Request deletion of your personal information, subject to certain exceptions.
• Object to or restrict certain processing activities.
• Request a copy of your information in a portable format.
• Withdraw consent where processing is based on consent.

To exercise any of these rights, please contact us using the details on our Contact page. We may need to verify your identity before fulfilling certain requests.

11. Children's Privacy

The Service is not directed to children, and we do not knowingly collect personal information from individuals under the age of majority in their jurisdiction. If you believe a child has provided us with personal information, please contact us so we can take appropriate action.

12. Third-Party Links

The Service may contain links to third-party websites or resources. We are not responsible for the privacy practices or content of such third parties. We encourage you to review the privacy policies of any third-party sites you visit.

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will post the revised policy on this page and update the effective date accordingly. We encourage you to review this policy periodically.

14. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please reach out through our Contact page.