Privacy Policy
WealthJourneyCo (“we,” “us,” or “our”) is committed to safeguarding the privacy and personal data of every user who visits and interacts with our website, accessible at wealthjourneyco.com (“Website”). We understand the importance of your privacy and are dedicated to maintaining the confidentiality, integrity, and availability of your information. This Privacy Policy explains how we collect, use, disclose, and protect your personal data, and outlines your rights under applicable data protection laws including the General Data Protection Regulation (“GDPR”) and California Consumer Privacy Act (“CCPA”).
1. Commitment to Privacy and Data Protection
WealthJourneyCo respects your fundamental rights and freedoms, including the right to privacy and the protection of your personal information. We are fully committed to maintaining robust privacy practices in compliance with applicable data protection regulations. All personal data is processed lawfully, fairly, and transparently, solely for the purposes outlined in this policy.
2. Scope of Policy and Data Controller Role
This Privacy Policy applies to all visitors, users, and others who access the Website. WealthJourneyCo is the data controller of all personal data collected through the Website. This means that we determine the purpose and means of processing your personal data under this policy.
WealthJourneyCo may process your personal data both for our legitimate business interests and on behalf of third parties, consistent with the responsibilities and obligations as a data controller under GDPR and CCPA.
3. Categories of Data Processed
We collect and process the following categories of personal data:
a. Usage Data
We collect information about your interactions with wealthjourneyco.com, including IP address, browser type and version, operating system, referral URL, pages visited, time spent on pages, and session timestamps.
b. Account Data
When you create an account or engage with our services, we collect your name, email address, physical address, and phone number.
c. Profile Data
Information concerning your user preferences, purchasing history, engagement patterns, and transactional behavior on the Website may be gathered to better understand how you use our services.
d. Communication Data
If you reach out via contact forms, email, or chat support, we process the content of your communications, support requests, complaint details, and the history of interactions.
e. Technical Data
We collect system configuration information, including device model, operating system, browser settings, screen resolution, and other diagnostic data to optimize your experience.
f. Transaction Data
In processing payments and order delivery, we collect billing details, transaction amounts, purchase dates, and delivery tracking information. Credit card information may be processed securely through a PCI-compliant processor.
g. Preference Data
We retain information about your consent status for marketing communications, preferred methods of contact, and interests in particular types of content, events, or products.
4. Legal Bases for Processing
We process your personal data under the following lawful bases:
a. Performance of a Contract
Where processing is necessary to provide the services you request, such as order fulfillment, account registration, and account management.
b. Legal Obligation
To comply with legal or regulatory obligations, including accounting, taxation, and reporting duties.
c. Legitimate Interest
For purposes such as fraud prevention, network security, analytics, marketing, and improving our services, in a manner that does not override your privacy rights and freedoms.
d. Consent
Where required, we will seek your explicit consent before processing your data, particularly in relation to marketing communications and the use of cookies that are non-essential.
5. Your Rights
In accordance with GDPR and CCPA, you have the following rights concerning your personal data:
– Right of Access: You may request information about the personal data we hold about you.
– Right to Rectification: You may request correction of inaccurate or incomplete data.
– Right to Erasure: You may request deletion of your data, subject to legal and contractual obligations.
– Right to Restrict Processing: You may request temporary suspension of data processing under certain conditions.
– Right to Data Portability: You may request to receive a copy of your data in a structured, commonly used, machine-readable format.
– Right to Object: You may object to our processing of your data when based on legitimate interests or direct marketing.
To exercise any of these rights, contact us at [email protected]. We will respond to verifiable requests in accordance with legal requirements.
6. Security Measures
We have implemented rigorous administrative, physical, and technical measures to protect your personal data against unauthorized access, disclosure, or destruction, including:
– AES-256 encryption for data transfers and storage
– Role-based access control (RBAC) and two-factor authentication
– Regular data backups and system recovery protocols
– Continuous privacy and security training for employees
We also regularly audit our systems and vendors to ensure compliance with best industry standards.
7. International Transfers
If you are located outside the country where our servers are hosted, your data may be transferred internationally. These transfers are protected by standard contractual clauses, adequacy decisions, and other lawful mechanisms approved by the European Commission to ensure adequate protection of your personal data.
8. Data Retention
We retain personal data only as long as necessary to fulfill the purposes set out in this Privacy Policy, including legal, accounting, and audit requirements. Specifically:
– Usage and technical data: retained for 12 months
– Account and profile data: retained until account deletion or 24 months of inactivity
– Transaction and communication data: retained for 6 years for legal compliance
– Preference data: retained until withdrawn or updated
9. Cookie Policy
We use cookies and similar technologies on wealthjourneyco.com to enhance performance, enable functionality, conduct analytics, and deliver personalized content. Categories of cookies include:
a. Essential Cookies
Necessary for website functionality, such as user login and session management.
b. Functional Cookies
Enable retention of user preferences and settings.
c. Analytics Cookies
Used to collect aggregated statistics on website usage, such as Google Analytics.
d. Performance Cookies
Assist with load balancing and improving responsiveness.
We do not use cookies for profiling or fully automated decision-making without consent.
10. Cookie Management and Compliance
On your first visit to our website, you will be presented with a cookie consent banner allowing you to manage your preferences. At any time, you may adjust cookie preferences through your browser settings or our Cookie Preference Center, in compliance with GDPR and CCPA.
We honor “Do Not Track” and “Global Privacy Control” browser signals where legally required.
11. Children’s Privacy
Our Website is not directed at, intended for, or knowingly collects data from children under the age of 13. If we discover that a child under 13 has provided us with personal data, we will take prompt steps to delete such information and comply with COPPA and other applicable laws. Parents or legal guardians who believe their child has submitted personal data may contact us at [email protected].
12. Policy Updates
We may update this Privacy Policy from time to time to reflect changes in our practices, operations, or legal obligations. Any material changes will be communicated prominently on the Website, and your continued use of wealthjourneyco.com constitutes your acceptance of the updated terms.
13. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:
Email: [email protected]
Website: wealthjourneyco.com
WealthJourneyCo is fully committed to ensuring transparency, accountability, and compliance with all applicable data protection laws. We invite users to reach out to us directly if they have any concerns about how their personal data is handled or protected.