Privacy Policy

Introduction

Topverous LLC ("we," "our," or "us") is committed to protecting your privacy and personal data. This Privacy Policy explains how we collect, use, process, and protect your information when you visit our website topverous.top or use our financial education services. We are the data controller for the personal data we process under this policy.

This policy complies with the General Data Protection Regulation (GDPR) and other applicable privacy laws in the European Union. By using our services, you acknowledge that you have read and understood this Privacy Policy.

Data Collection

The data we collect from you depends on how you interact with our website and services. We collect information that you provide directly to us and information that is automatically collected when you use our website.

Information You Provide to Us

• Contact information (name, email address, phone number) when you contact us or subscribe to our newsletter
• Communication data when you send us messages, feedback, or questions
• Survey responses and feedback when you participate in our research or provide testimonials
• Any other information you choose to provide when interacting with our services

Information Automatically Collected

• Website usage data (pages visited, time spent, click patterns)
• Technical information (IP address, browser type, device information, operating system)
• Cookies and similar tracking technologies as described in our Cookie Policy
• Referral sources and website analytics data

How We Use Your Information

We use of your data is based on legitimate interests, consent, or contractual necessity. Here's how we use your information and the legal basis for each use:

• Provide our services: To deliver financial education content and respond to your inquiries (Legal basis: Legitimate interest)
• Improve our website: To analyze website performance and user experience (Legal basis: Legitimate interest)
• Communication: To send you educational content, updates, and respond to your questions (Legal basis: Consent or legitimate interest)
• Legal compliance: To comply with legal obligations and protect our rights (Legal basis: Legal obligation)
• Website security: To prevent fraud and ensure website security (Legal basis: Legitimate interest)
• Analytics: To understand how our content helps users achieve their financial education goals (Legal basis: Legitimate interest)

Data Sharing and Third Parties

Topverous does not sell, rent, or trade your personal information to third parties. We may share your information in the following limited circumstances:

• Service providers: With trusted third-party service providers who assist in website hosting, analytics, and email services
• Legal requirements: When required by law, court order, or to protect our rights and safety
• Business transfers: In connection with a merger, acquisition, or sale of assets (with notice to affected users)
• Consent: With your explicit consent for specific purposes

All third-party service providers are required to maintain appropriate security measures and use your data only for the specified purposes.

Your Rights

Under GDPR and applicable privacy laws, you have the following rights regarding your personal data:

• Right of access: Request a copy of the personal data we hold about you
• Right to rectification: Request correction of inaccurate or incomplete personal data
• Right to erasure: Request deletion of your personal data in certain circumstances
• Right to restrict processing: Request limitation of how we process your data
• Right to data portability: Request transfer of your data to another service provider
• Right to object: Object to processing based on legitimate interests
• Right to withdraw consent: Withdraw consent for consent-based processing at any time

To exercise any of these rights, please contact us using the information provided in the contact section below. We will respond to your request within one month.

Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

• Contact information: Retained for up to 3 years after last contact or until you request deletion
• Website analytics data: Retained for up to 26 months in anonymized form
• Communication records: Retained for up to 7 years for legal and business purposes
• Marketing consent: Retained until consent is withdrawn

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

Data Security

Topverous implements appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. Our security measures include:

• SSL encryption for data transmission
• Regular security assessments and updates
• Access controls and authentication measures
• Employee training on data protection
• Secure hosting and backup systems

While we strive to protect your personal data, no method of transmission over the internet is 100% secure. We encourage you to take steps to protect your own information when online.

International Data Transfers

Your personal data may be transferred to and processed in countries outside the European Economic Area (EEA) where our service providers operate. When we transfer data outside the EEA, we ensure appropriate safeguards are in place, such as:

• European Commission adequacy decisions
• Standard contractual clauses approved by the European Commission
• Binding corporate rules or certification schemes

Cookies and Tracking

Our website uses cookies and similar tracking technologies to improve your browsing experience and analyze website performance. For detailed information about our cookie practices, please see our Cookie Policy.

You can control cookie settings through your browser preferences or our cookie consent banner. Note that disabling certain cookies may affect website functionality.

Children's Privacy

Our services are not intended for children under 16 years of age. We do not knowingly collect personal data from children under 16. If you are a parent or guardian and believe your child has provided us with personal data, please contact us immediately so we can delete such information.

Changes to This Privacy Policy

Topverous may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by posting the updated policy on our website and updating the "Last Updated" date. We encourage you to review this policy periodically to stay informed about how we protect your privacy.

Contact Information

If you have any questions about this Privacy Policy, want to exercise your rights, or need to contact us about privacy matters, please reach out to us using the following contact information:

If you are not satisfied with our response to your privacy concerns, you have the right to lodge a complaint with your local data protection authority.