Privacy Policy

Introduction

zavoreliqua ("we," "us," or "our") operates zavoreliqua.com, providing budget literacy education and financial learning resources. We're committed to protecting your personal data and respecting your privacy rights. This privacy policy explains how we collect, use, store, and share information about you when you visit our website or use our services.

This policy applies to all users of our platform, including visitors browsing our content, registered users accessing our learning materials, and individuals who contact us through our various communication channels. By using our services, you acknowledge that you've read and understood this privacy policy.

Information We Collect

Personal Information You Provide

We collect information you voluntarily provide when you interact with our services:

• Contact details including name, email address, phone number, and postal address when you register for our programs or contact us
• Educational background and financial literacy level assessments to personalise your learning experience
• Payment information when you enroll in our courses, though we don't store complete card details on our servers
• Communication preferences and feedback you provide through surveys, reviews, or direct correspondence
• Learning progress data, quiz results, and course completion records to track your educational journey

Information We Collect Automatically

When you visit our website, we automatically collect certain technical information:

• Device information including IP address, browser type, operating system, and device identifiers
• Website usage data such as pages visited, time spent on our site, and navigation patterns
• Performance metrics including page load times and technical errors to improve our service quality
• Location data based on your IP address to provide region-appropriate content and comply with local regulations

How We Use Your Information

We process your personal data for several legitimate purposes that enable us to provide and improve our budget literacy services:

Service Provision and Account Management

We use your information to create and manage your account, provide access to our learning materials, track your progress through our programs, and deliver personalised educational content. This includes sending course updates, assignment reminders, and progress reports that help you stay engaged with your financial education journey.

Communication and Support

Your contact information enables us to respond to your inquiries, provide customer support, send important updates about our services, and share relevant educational resources. We may also use this information to notify you about new courses, program enhancements, or changes to our policies that could affect your experience.

Platform Improvement and Analytics

We analyse usage patterns and user feedback to enhance our platform's functionality, develop new educational content, and identify areas where our budget literacy programs can be more effective. This helps us create better learning experiences and more relevant financial education resources.

Legal Basis for Processing

Under UK data protection law, we must have a lawful basis for processing your personal data. We rely on several legal grounds:

• Contract Performance: Processing necessary to provide our educational services and fulfill our obligations to you as a user
• Legitimate Interests: Improving our services, preventing fraud, and ensuring platform security, balanced against your privacy rights
• Legal Compliance: Meeting our obligations under financial services regulations and data protection laws
• Consent: For marketing communications and optional features where you've given explicit permission

Your Privacy Rights

Under UK data protection legislation, you have several important rights regarding your personal data:

To exercise any of these rights, contact us using the details provided at the end of this policy. We'll respond to your request within one month, though complex requests may take up to three months. We may need to verify your identity before processing certain requests to protect your personal information.

Data Sharing and Third Parties

We don't sell your personal information to third parties. However, we may share your data in specific circumstances to provide and improve our services:

Service Providers

We work with carefully selected third-party companies that help us operate our platform and deliver our educational services. This includes payment processors, email service providers, cloud hosting companies, and analytics platforms. These providers are contractually required to protect your data and only use it for the specific services they provide to us.

Legal Requirements

We may disclose your information if required by law, regulation, or legal process, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others. This includes cooperating with law enforcement agencies and regulatory bodies when legally obligated to do so.

Business Transfers

In the event of a merger, acquisition, or sale of our business assets, your personal information may be transferred to the new entity as part of that transaction. We would notify you of any such change in ownership and how it might affect your personal data.

Data Security

Protecting your personal information is a top priority. We've implemented comprehensive security measures to safeguard your data against unauthorised access, alteration, disclosure, or destruction:

While we implement robust security measures, no system is completely secure. We encourage you to protect your account credentials and notify us immediately if you suspect any unauthorised access to your account.

Data Retention

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, and resolve disputes. Different types of information are retained for different periods:

Data Type	Retention Period	Reason
Account Information	Duration of account plus 2 years	Service provision and legal compliance
Learning Progress Data	5 years after course completion	Certification records and progress tracking
Payment Information	7 years	Financial record-keeping requirements
Marketing Communications	Until you unsubscribe	Ongoing communication preferences
Website Usage Data	2 years	Analytics and service improvement

When retention periods expire, we securely delete or anonymise your personal information. If you close your account, we'll delete most personal information within 30 days, though some data may be retained longer for legal or regulatory compliance.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience, analyse site usage, and provide personalised content. Cookies are small text files stored on your device that help us recognise you and remember your preferences.

Types of Cookies We Use

• Essential Cookies: Necessary for website functionality, including login sessions and security features
• Analytics Cookies: Help us understand how visitors use our site to improve performance and user experience
• Preference Cookies: Remember your settings and customise content based on your interests
• Marketing Cookies: Track your activity across websites to provide relevant advertisements (with your consent)

You can control cookie settings through your browser preferences, though disabling certain cookies may affect website functionality. Our cookie banner allows you to manage your preferences for non-essential cookies when you first visit our site.

International Data Transfers

Your personal information is primarily processed within the United Kingdom. However, some of our service providers may process data in other countries. When we transfer data internationally, we ensure appropriate safeguards are in place:

• Transfers to countries with adequacy decisions from the UK government
• Standard Contractual Clauses approved by UK authorities
• Binding Corporate Rules for multinational service providers
• Explicit consent for transfers that don't meet other safeguard requirements

Children's Privacy

Our services are designed for adults seeking budget literacy education. We don't knowingly collect personal information from children under 13 years of age. If we discover we've inadvertently collected information from a child under 13, we'll delete it promptly. Parents or guardians who believe we may have collected information from their child should contact us immediately.

Changes to This Policy

We may update this privacy policy periodically to reflect changes in our practices, legal requirements, or service offerings. When we make significant changes, we'll notify you by email (if you've provided one) and display a prominent notice on our website. The "Last Updated" date at the top of this policy indicates when the most recent changes were made.

We encourage you to review this policy regularly to stay informed about how we protect your personal information. Continued use of our services after policy changes constitutes acceptance of the updated terms.