Data Processing Policy

Introduction

This Data Processing Policy outlines how MoneyGuardHub processes personal data in accordance with applicable data protection laws. This policy supplements our Privacy Policy and provides detailed information about our data processing activities, including the legal basis for processing, data retention periods, and your rights as a data subject.

We are committed to processing personal data in a lawful, fair, and transparent manner, ensuring that data subjects' rights are respected and protected throughout the processing lifecycle.

Legal Basis for Processing

We process personal data based on the following legal grounds:

Consent

We process personal data when you have given clear consent for us to do so for a specific purpose. You have the right to withdraw your consent at any time, without affecting the lawfulness of processing based on consent before its withdrawal.

Contract Performance

We process personal data when it is necessary for the performance of a contract to which you are a party, or to take steps at your request before entering into such a contract.

Legal Obligation

We process personal data when it is necessary for compliance with a legal obligation to which we are subject, such as tax reporting, fraud prevention, or responding to legal requests.

Legitimate Interests

We process personal data when it is necessary for our legitimate interests or those of a third party, provided that such interests are not overridden by your interests or fundamental rights and freedoms. This includes website security, fraud prevention, and business analytics.

Categories of Personal Data Processed

We process the following categories of personal data:

Identity Data

  • First name and last name
  • Username or account identifier
  • Date of birth (if required for age verification)

Contact Data

  • Email address
  • Telephone number
  • Mailing address (if provided)

Technical Data

  • IP address
  • Browser type and version
  • Operating system
  • Device information
  • Cookies and similar tracking technologies

Usage Data

  • Pages visited and time spent on pages
  • Features used and interactions with the platform
  • Search queries and preferences
  • Error logs and performance data

Content Data

  • Strategy parameters and configurations
  • Portfolio information and allocations
  • Messages and communications sent through our platform
  • Feedback and survey responses

Processing Operations

We perform the following processing operations on personal data:

  • Collection and recording of personal data
  • Organization and structuring of data
  • Storage and maintenance of data
  • Adaptation and alteration of data
  • Retrieval and consultation of data
  • Use and disclosure of data
  • Alignment and combination of data
  • Restriction and erasure of data

Data Retention

We retain personal data only for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements.

Retention periods vary depending on the type of data and the purpose for which it is processed:

  • Account data: Retained for the duration of your account and for a reasonable period thereafter for legal and business purposes
  • Transaction and usage data: Retained for a period necessary to provide services and comply with legal obligations
  • Marketing data: Retained until you withdraw consent or object to processing
  • Technical and log data: Retained for security and troubleshooting purposes for a limited period

When personal data is no longer needed, we will securely delete or anonymize it in accordance with our data retention policies.

Data Security Measures

We implement appropriate technical and organizational measures to ensure a level of security appropriate to the risk, including:

  • Encryption of data in transit using secure protocols
  • Encryption of data at rest using industry-standard algorithms
  • Access controls and authentication mechanisms
  • Regular security assessments and penetration testing
  • Employee training on data protection and security
  • Incident response and breach notification procedures
  • Regular backups and disaster recovery planning

Data Sharing and Transfers

We may share personal data with third parties in the following circumstances:

  • With service providers who process data on our behalf under strict contractual obligations
  • With business partners for joint services, subject to your consent
  • When required by law or to respond to legal process
  • To protect our rights, property, or safety, or that of our users

When transferring personal data to countries outside your jurisdiction, we ensure that appropriate safeguards are in place, such as standard contractual clauses or adequacy decisions, to protect your data in accordance with applicable data protection laws.

Your Rights

As a data subject, you have the following rights regarding your personal data:

  • Right of access: Obtain confirmation as to whether personal data is being processed and access to that data
  • Right to rectification: Request correction of inaccurate or incomplete personal data
  • Right to erasure: Request deletion of personal data under certain circumstances
  • Right to restrict processing: Request limitation of processing under certain circumstances
  • Right to data portability: Receive your personal data in a structured, commonly used format
  • Right to object: Object to processing of personal data based on legitimate interests
  • Right to withdraw consent: Withdraw previously given consent at any time
  • Right to lodge a complaint: File a complaint with a supervisory authority

To exercise any of these rights, please contact us using the information provided in the Contact section. We will respond to your request within the timeframes required by applicable law.

Automated Decision-Making

Some of our services may involve automated processing of personal data, including automated decision-making. This may include algorithmic analysis of strategy performance, portfolio optimization recommendations, and risk assessments.

You have the right not to be subject to a decision based solely on automated processing, including profiling, which produces legal effects concerning you or similarly significantly affects you, unless such processing is necessary for entering into or performance of a contract, or is based on your explicit consent.

Updates to This Policy

We may update this Data Processing Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by posting the updated policy on this page and updating the effective date.

We encourage you to review this policy periodically to stay informed about how we process your personal data.

Contact Information

If you have any questions about this Data Processing Policy or wish to exercise your rights, please contact us:

Disclaimer

The information presented on this website is intended for educational and informational purposes only. We do not provide financial advice or investment recommendations. Before making any decisions related to the use of analytical tools and strategies, it is recommended to consult with qualified professionals.

Our company is not responsible for any losses or damages that may arise from the use of information posted on our website. All materials are provided solely for informational purposes, and we recommend seeking professional guidance before making decisions. All information may change without prior notice, and we cannot guarantee that information will be current at the time of your inquiry.

Our website may contain links to third-party resources that are outside our control. We are not responsible for the content, accuracy, or availability of such resources. By using our services, you agree that we cannot be held responsible for any damage arising from the use of third-party links.

Information about strategies, testing, and optimization tools presented on the site is general and may not reflect all conditions and limitations. Before implementation, it is necessary to carefully review the full terms and obtain guidance from our specialists.

Use of any content from our website without prior consent is prohibited. We reserve the right to change the terms of use of our website at any time without prior notice.

This disclaimer is governed by the laws of Canada, and all disputes arising in connection with it shall be resolved in the appropriate courts of jurisdiction. For additional information, please refer to the contact information in the footer of our website or on the contact page.