Privacy Policy

Last Updated: November 15, 2023

Racugo Navoxa ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website racugo-navoxa.sbs or use our services.

Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you register on our website, express an interest in obtaining information about us or our products and services, or otherwise contact us. The personal information we collect may include:

• Name and contact information (email address, phone number, mailing address)
• Account credentials (username and password)
• Payment information (credit card details, billing address)
• Financial information (income, expenses, debt information you choose to share)
• Educational and professional background
• Communication preferences

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device and usage of our website using cookies and similar technologies. This information may include:

• Device information (IP address, browser type, operating system)
• Usage data (pages visited, time spent on pages, referring website)
• Location data (general geographic location based on IP address)

How We Use Your Information

We use the information we collect for various purposes, including to:

• Provide, operate, and maintain our services
• Create and manage your account
• Process your transactions and send related information
• Send you technical notices, updates, and support messages
• Respond to your comments, questions, and requests
• Develop new products, services, features, and functionality
• Monitor and analyze trends, usage, and activities in connection with our services
• Detect, prevent, and address technical issues and fraudulent activities
• Comply with legal obligations and protect our legal rights

Legal Basis for Processing Personal Information

We process your personal information based on the following legal grounds:

• Performance of a contract: When we need to process your information to fulfill our contractual obligations to you
• Consent: When you have given us permission to process your information for a specific purpose
• Legitimate interests: When processing is necessary for our legitimate business interests, provided they don't override your rights
• Legal compliance: When processing is necessary to comply with legal obligations

Information Sharing and Disclosure

We may share your personal information in the following situations:

• With service providers who perform services on our behalf
• With financial institutions for payment processing
• With your consent or at your direction
• In connection with a business transfer, such as a merger or acquisition
• To comply with legal obligations or protect rights and safety
• With law enforcement or government authorities when required by law

Data Retention

We retain your personal information 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. When we no longer need to process your personal information, we will either delete or anonymize it.

Your Data Protection Rights

Depending on your location, you may have the following rights regarding your personal information:

• The right to access and receive a copy of your personal information
• The right to rectify inaccurate or incomplete personal information
• The right to erasure of your personal information under certain circumstances
• The right to restrict processing of your personal information
• The right to data portability
• The right to object to processing of your personal information
• The right to withdraw consent at any time, where we rely on consent

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption, access controls, secure network architecture, and regular security assessments.

International Data Transfers

Your information may be transferred to and processed in countries other than Canada. We ensure appropriate safeguards are in place to protect your information when it is transferred internationally, in accordance with applicable data protection laws.

Children's Privacy

Our services are not intended for children under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child without verification of parental consent, we take steps to remove that information from our servers.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. You are advised to review this Privacy Policy periodically for any changes.

Contact Us

If you have any questions about this Privacy Policy, please contact us at:

Racugo Navoxa
123 Financial District
Toronto, ON M5J 2S1
Canada
Email: privacy@racugo-navoxa.sbs
Phone: +1 4379025110