Privacy Policy

1. Introduction

Retirava ("we," "our," or "us") operates the website retirava.com (the "Site"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Site. Please read this policy carefully. If you disagree with its terms, please discontinue use of the Site.

2. Information We Collect

Information You Provide to Us

We may collect personal information that you voluntarily provide when you use our contact form, including:

• First and last name
• Email address
• Country of residence (optional)
• Message content

We do not collect sensitive financial information, identification documents, or payment information, as we do not offer paid services.

Automatically Collected Information

When you visit our Site, we may automatically collect certain information about your device and browsing behavior, including:

• IP address (anonymized where possible)
• Browser type and version
• Pages visited and time spent on each page
• Referring URLs
• Device type and operating system

This information is collected through cookies and similar tracking technologies. See our Cookie Policy for details.

Planning Tool Data

The numbers and values you enter into our retirement calculators and planning tools are processed entirely within your browser. We do not transmit, store, or retain any financial figures you input into these tools. All calculations are performed client-side.

3. How We Use Your Information

We use the information we collect to:

• Respond to inquiries submitted via the contact form
• Improve the content and functionality of the Site
• Analyze aggregate, anonymized traffic patterns to understand how the Site is used
• Ensure the technical security and integrity of the Site
• Comply with applicable legal obligations

We do not use your information for marketing purposes, and we do not sell your personal data to third parties under any circumstances.

4. Legal Basis for Processing (GDPR)

For users in the European Economic Area (EEA) and United Kingdom, we process personal data on the following legal bases:

• Consent: Where you have explicitly consented (e.g., cookie consent, contact form submission).
• Legitimate Interests: For anonymized analytics to improve the Site, provided these interests are not overridden by your rights.
• Legal Obligation: Where processing is required to comply with applicable law.

5. Data Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share data with:

• Service providers: Third-party vendors who assist us in operating the Site (e.g., hosting providers, email services), bound by contractual data processing obligations.
• Analytics providers: Anonymized or aggregated data with analytics platforms to understand Site usage. We take reasonable steps to minimize data shared and prefer privacy-preserving analytics tools.
• Legal authorities: Where required by law, legal process, or to protect our rights.

6. Data Retention

We retain contact form submissions for up to 12 months for the purpose of responding to inquiries and improving our service. Anonymized analytics data may be retained longer. You may request deletion of your data at any time by contacting us at info@retirava.com.

7. Your Rights

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

• Access: Request a copy of personal data we hold about you.
• Rectification: Request correction of inaccurate data.
• Erasure: Request deletion of your personal data ("right to be forgotten").
• Restriction: Request that we limit processing of your data.
• Portability: Request your data in a portable format.
• Objection: Object to processing based on legitimate interests.
• Withdraw Consent: Where processing is based on consent, withdraw it at any time.

To exercise these rights, email us at info@retirava.com. We will respond within 30 days.

8. International Data Transfers

Our Site is operated globally. If you are located outside the country where our servers are based, your information may be transferred to and processed in countries with different data protection laws. We take steps to ensure adequate protections are in place for such transfers.

9. Children's Privacy

Our Site is not directed at individuals under the age of 16. We do not knowingly collect personal information from children. If we become aware that a child has provided us with personal information, we will delete it promptly.

10. Security

We implement reasonable technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

11. Third-Party Links

Our Site may contain links to third-party websites for informational purposes. We are not responsible for the privacy practices or content of those sites and encourage you to review their privacy policies.

12. Changes to This Policy

We reserve the right to update this Privacy Policy at any time. We will indicate the date of the most recent revision at the top of this page. Continued use of the Site after changes constitutes acceptance of the revised policy.

13. Contact

If you have questions or concerns about this Privacy Policy or our data practices, please contact us at:

Retirava
Email: info@retirava.com
Website: retirava.com