Privacy Policy - Secure Money Track

1. Introduction

At Secure Money Track, accessible at securemoneytrack.com, we are committed to upholding the highest standards of data protection and privacy. We recognize the importance of your personal information and take seriously our responsibility to safeguard it. This Privacy Policy reflects our practices in relation to the collection, use, disclosure, and protection of personal data in accordance with applicable data protection laws, including the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA), where applicable.

2. Scope of This Policy and Data Controller Role

This Privacy Policy applies to all personal data processed through securemoneytrack.com and related services offered by Secure Money Track. For purposes of applicable data protection laws, Secure Money Track acts as the “data controller” with respect to the personal information identified in this Privacy Policy.

By accessing or using securemoneytrack.com, users acknowledge and agree to the terms outlined herein.

3. Categories of Data Processed

We may collect and process the following categories of data:

a. Usage Data: When you visit our website, we may automatically collect information about how you interact with securemoneytrack.com, including your browser type and version, device identifiers, IP address, time zone settings, referral URLs, pages visited, and website navigation paths. This information supports analytics and system security.

b. Account Data: If you create an account or register on securemoneytrack.com, we may collect personal identifiers such as your name, billing and shipping address, email address, phone number, and authentication credentials.

c. Profile Data: We may collect data you voluntarily provide or that we infer from your activity on securemoneytrack.com. This includes purchase history, product interests, browsing behavior, preferences, and content interactions.

d. Communication Data: This includes communications you send to us—such as support tickets, customer inquiries, and call recordings—as well as any contact history maintained in the course of providing services.

e. Technical Data: Collected from the devices you use to access our services, such information may include operating system, device model, hardware specifications, browser plug-ins, screen resolution, and language preferences.

f. Transaction Data: This includes records of purchases and financial interactions you initiate with us, ranging from payment method and authorization details to transaction history and delivery tracking.

g. Preference Data: We store marketing communication preferences, product notification subscriptions, and opt-in/opt-out records as required for compliance and good faith preference management.

4. Legal Bases for Processing

We process your personal data only when there is a lawful basis to do so, including:

– Consent: When you voluntarily provide consent, for example in marketing subscriptions.
– Contract: Where data processing is required to fulfill a contract with you, such as account creation or service delivery.
– Legal Obligation: When required by laws, regulations, subpoenas or court orders.
– Legitimate Interests: To operate and improve our business, safeguard securemoneytrack.com, prevent fraud, and build customer relationships, provided such processing is not overridden by your fundamental rights and freedoms.

5. Your Rights

As a data subject, you may have the following rights under applicable laws:

– Right to Access – To request a copy of the personal data we hold about you.
– Right to Rectification – To correct incomplete or inaccurate data.
– Right to Erasure – To request deletion of your data, subject to legal exceptions.
– Right to Restrict Processing – To limit how your data is used under certain conditions.
– Right to Data Portability – To obtain your data in a structured, machine-readable format for personal use or transfer to another controller.
– Right to Object – To object to data processing based on legitimate interests or direct marketing.

To exercise these rights, please contact us at [email protected]. We respond to valid individual requests in accordance with legal obligations and verification protocols.

6. Security Measures

We implement appropriate technical and organizational safeguards to protect your personal data against unauthorized access, alteration, disclosure, or destruction. This includes but is not limited to:

– End-to-end encryption of data during transmission and at rest,
– Role-based access control and multi-factor authentication,
– Secure server infrastructure and firewall protection,
– Regular data backups and disaster recovery planning,
– Ongoing employee training on data privacy and cybersecurity.

7. International Data Transfers

Where applicable, we transfer personal data to jurisdictions outside the European Economic Area (EEA) or outside California under legally approved safeguards. This includes standard contractual clauses approved by the European Commission and equivalent transfer mechanisms in compliance with the GDPR and CCPA.

8. Data Retention

We retain your personal data no longer than necessary for the purposes for which it was collected. Our retention periods are as follows:

– Usage Data: up to 12 months, for security and analytical purposes,
– Account Data: retained for duration of account and up to 7 years for compliance,
– Transaction Data: retained as required by financial regulations (up to 7 years),
– Communication and Support Data: typically retained for 3 years post-resolution,
– Marketing Preference Data: retained until consent is withdrawn or updated.

Where legal or operational retention is no longer necessary, data will be securely deleted or anonymized.

9. Cookie Policy

Securemoneytrack.com uses cookies and similar technologies to enhance your browsing experience. The types of cookies we use include:

– Essential Cookies: Necessary for website functionality (e.g., login, security).
– Functional Cookies: Enable enhanced features such as remembering preferences.
– Analytics Cookies: Help measure site traffic and understand user behavior via services like Google Analytics.
– Performance Cookies: Monitor site performance and error diagnostics.

10. Cookie Management and Compliance

Upon visiting securemoneytrack.com, users are presented with cookie consent options consistent with GDPR and CCPA requirements. You can manage your cookie preferences at any time through browser settings or by accessing the site’s cookie consent management tool. Additionally, users located in California may opt out of the sale or sharing of personal data as defined by the CCPA.

11. Children’s Privacy

Securemoneytrack.com is not intended for children under the age of 13. We do not knowingly collect, solicit, or process personal data relating to minors under this age. If we become aware that such information has been collected without verifiable parental consent, it will be deleted promptly. If you believe that a child under 13 has provided personal data to this site, please notify us at [email protected].

12. Changes to This Privacy Policy

This Privacy Policy may be updated from time to time in response to legal, technical, or business developments. We encourage users to periodically review this page. Substantive changes will be communicated via appropriate channels, which may include notification on securemoneytrack.com or direct email communication.

13. Contact Information

For any inquiries, questions, or requests relating to this Privacy Policy or your personal data, please contact us at:

Email: [email protected]

We are committed to compliance with all applicable privacy laws and ensuring transparency in how we manage your personal data. If you have concerns regarding your data privacy or wish to make a complaint, we encourage you to reach out directly using the contact above.