Privacy Policy

This Privacy Policy describes our policies and procedures on the collection, use and disclosure of your information when you use the service and tells you about your privacy rights and how the law protects you.

We use your personal data to provide and improve the service. By using the service, you agree to the collection and use of information in accordance with this Privacy Policy.

Interpretation and Definitions

Interpretation

The words with an initial capital letter have meanings defined under the following conditions. These definitions shall have the same meaning whether they appear in singular or plural.

Definitions

For the purposes of this Privacy Policy:

• Account: A unique account created for you to access our Service or parts of our Service.
• Affiliate: An entity that controls, is controlled by or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
• Company: (referred to as "the Company", "we", "us" or "our") refers to Moneywise Hub.
• Cookies: Small files placed on your computer, mobile device or any other device by a website that save details of your browsing history on that website.
• Country: Illinois, United States.
• Device: Any device that can access the Service such as a computer, cellphone, or digital tablet.
• Personal Data: Any information that relates to an identified or identifiable individual.
• Service: The Website.
• Service Provider: Any natural or legal person who processes data on behalf of the Company. This includes third-party companies or individuals employed by the Company to facilitate the Service, provide the Service on behalf of the Company, perform services related to the Service or assist the Company in analyzing how the Service is used.
• Usage Data: Data collected automatically, either generated by the use of the Service or from the Service infrastructure itself.
• Website: Moneywise Hub, accessible from https://moneywisehub.online.
• You: The individual accessing or using the Service, or the company, or other legal entity on whose behalf such individual is accessing or using the Service.

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. This information may include, but is not limited to, usage data.

Usage Data

Usage Data is collected automatically when using the Service. This may include information such as your device's Internet Protocol address (e.g., IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When you access the Service by or through a mobile device, we may collect additional information automatically, including details about your mobile device and operating system.

We may also collect information sent by your browser whenever you visit our Service.

Tracking Technologies and Cookies

We use Cookies and similar tracking technologies to track the activity on our Service and store certain information. The technologies we use may include:

• Cookies or Browser Cookies: A cookie is a small file placed on your device. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent, although some parts of our Service may not work properly if cookies are disabled.
• Web Beacons: Certain sections of our Service and our emails may include small electronic files, called web beacons, that allow the Company to count users and record statistics such as page popularity.

Cookies can be either "Persistent" or "Session" Cookies. Session Cookies are deleted when you close your browser, while Persistent Cookies remain until they are manually cleared or reach their expiration date.

We use Cookies for various purposes including:

• Necessary / Essential Cookies:
  • Type: Session Cookies
  • Administered by: Us
  • Purpose: These cookies are essential for providing you with services and enabling features of the Website.
• Cookies Policy / Notice Acceptance Cookies:
  • Type: Persistent Cookies
  • Administered by: Us
  • Purpose: These cookies identify if users have accepted the use of cookies on the Website.
• Functionality Cookies:
  • Type: Persistent Cookies
  • Administered by: Us
  • Purpose: These cookies allow us to remember choices you make on the Website, such as login details or language preferences.

Use of Your Personal Data

The Company may use your personal data for the following purposes:

• To provide and maintain our Service, including monitoring its usage.
• To manage your Account and registration.
• For the performance of contractual obligations related to purchased products, items, or services.
• To contact you via email, telephone calls, SMS, or other electronic communications regarding updates, security notifications, or informative communications.
• To provide you with news, special offers and general information about similar products, services, or events.
• To manage your requests and provide customer support.
• For business transfers, such as mergers, acquisitions, or asset sales.
• To analyze usage trends and improve our Service, products, services, marketing, and overall user experience.

Retention of Your Personal Data

The Company will retain your personal data only for as long as necessary to fulfill the purposes outlined in this Privacy Policy and to comply with legal obligations. While usage data is typically retained for a shorter period, it may be stored longer if used to enhance the security or functionality of our Service.

Transfer of Your Personal Data

Your information, including personal data, is processed at the Company's operating offices and may be transferred to locations outside of your jurisdiction. Your submission of information represents your agreement to such transfers, and we take all reasonable measures to ensure the security of your data.

Delete Your Personal Data

You have the right to request deletion of your personal data. You may update, amend or delete your information by signing in to your Account or contacting us. Please note that we may need to retain certain information when legally obligated.

Disclosure of Your Personal Data

Business Transactions

In the event of a merger, acquisition, or asset sale, your personal data may be transferred. Notice will be provided prior to such transfers.

Law Enforcement

We may disclose your personal data if required by law or in response to valid requests by public authorities.

Other Legal Requirements

We may disclose your personal data in the good faith belief that such action is necessary to comply with a legal obligation, protect the rights or property of the Company, prevent or investigate possible wrongdoing, or ensure the safety of users or the public.

Security of Your Personal Data

We strive to use commercially acceptable means to protect your personal data. However, no method of transmission over the Internet or electronic storage is 100% secure.

Children's Privacy

Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under 13. If you are a parent or guardian and become aware that your child has provided us with personal data, please contact us. We will promptly take necessary steps to remove such information.

Links to Other Websites

Our Service may contain links to other websites that are not operated by us. We recommend reviewing the privacy policies of those sites as we have no control over their content.

Changes to this Privacy Policy

We may update our Privacy Policy from time to time. Any changes will be communicated by updating the "Last updated" date at the top of this page along with notices via email or prominent notices on the Website. You are encouraged to review this Privacy Policy periodically.