Privacy Policy

At Endeuda2.com ("we", "our", or "the Site"), we respect your privacy and are committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit our website and use our platform.

By accessing or using Endeuda2.com, you expressly consent to the practices described in this policy. If you do not agree with this policy or any of its terms, your sole remedy is to refrain from using our website and services.

What data we collect and how we obtain it

We collect information about you in the following ways:

• Data provided directly by you:

  • Registration on our platform: When creating an account in our digital space, we collect your first name, last name, age, and email address to manage your validation and access. This information is stored and managed securely in the cloud through the Amazon Web Services (AWS) infrastructure.

  • Payment and subscription information: Payments for accessing our platform are securely processed by a third-party provider, Stripe. Endeuda2.com does not collect, process, or store your credit card details, bank accounts, or sensitive financial information. The entire payment process is governed by Stripe's terms and privacy policy.

  • Newsletter subscription: Your name and email address when you choose to subscribe to our email list.

  • Support and contact: If you write to us at [email protected], we will store your email and the content of the message in order to provide you with assistance.

• Data collected automatically (Usage Data and Cookies): When you visit the Site, we automatically collect information about your device and navigation. This includes your IP address, browser type, operating system, pages visited, and time spent. We use this data in a dissociated (anonymous) way for statistical purposes and to improve the site.

Purpose of data processing

We use your personal information to:

• Manage your account, access, and profile within our platform.

• Facilitate the payment process through our payment provider (Stripe).

• Send you informative, educational emails through our newsletter (you can unsubscribe at any time).

• Notify you about functional updates to the site, changes to our terms or policies.

• Respond to your support requests.

• Analyze traffic trends to improve the design, content, and functionality of Endeuda2.com.

Sharing data with third parties

We do not sell, rent, or trade your personal data with third parties under any circumstances. However, to operate our website, we share your information strictly with trusted service providers ("processors") who assist us in our operations:

• Amazon Web Services (AWS): We use AWS for hosting our platform, databases, and secure management of our users' access.

• Stripe: Platform in charge of processing all payments and managing billing securely.

• Flodesk: We use this platform to manage our email list and send newsletters.

• Google Analytics: We use this tool to analyze our website traffic. Google Analytics collects information anonymously.

All of these providers comply with high security standards and international privacy regulations, and are prohibited from using your information for any purpose other than providing these services.

Privacy Rights in the United States and California (CCPA/CPRA)

Since our audience includes users residing in the United States, we comply with applicable privacy regulations, including the California Consumer Privacy Act (CCPA). We confirm that we do not sell your personal information. As a consumer, you have the right to:

• Request to know what personal data we have collected about you.

• Request the deletion of your personal data.

• Opt-out of the sale of data (we reiterate, we do not sell data).

• Not be discriminated against for exercising your privacy rights.

To exercise these rights, contact us at [email protected].

Data retention

We will retain your personal information only for as long as you keep your account active with us or as necessary to fulfill the purposes detailed in this policy (including legal, tax, or accounting obligations). If you are subscribed to our newsletter, we will retain your data until you request cancellation. Once you request the deletion of your account, your profile data will be securely deleted from our servers.

Your Rights over Your Data (International Users)

Regardless of your country of residence, we guarantee you the right to:

• Access the personal data we hold about you.

• Rectify any inaccurate or incomplete data.

• Delete your personal data from our databases.

• To unsubscribe from our emails, you can click on the "unsubscribe" link at the bottom of each email, or write to us at [email protected].

Children's Privacy (COPPA Compliance)

Endeuda2.com offers content related to financial education. Due to the nature of our content, our site is strictly directed to individuals over the age of 18. We do not knowingly collect information from minors. If we discover that we have collected data from a minor, we will delete that information from our servers immediately.

Data Security

We implement advanced technical security measures through our AWS infrastructure to protect your personal information against unauthorized access, loss, or alteration. However, no transmission over the Internet is 100% secure, so we urge you to jealously protect your account password.

Changes to this Policy

We reserve the right to update this Privacy Policy at any time. We will notify you of significant changes by sending you an email or by placing a prominent notice on our platform. We recommend that you periodically review this page.