Privacy Policy for PathDividend.com
1. Introduction
At PathDividend.com, we are steadfast in our commitment to safeguarding your personal information. Privacy and data protection are foundational principles of our operations. We recognize the importance of protecting your personal data and adhering to applicable data protection laws, including but not limited to the General Data Protection Regulation (EU) 2016/679 (“GDPR”) and the California Consumer Privacy Act (“CCPA”). This Privacy Policy outlines how we collect, use, store, disclose, and protect your personal data when you interact with our website, services, and features.
2. Scope of Policy and Data Controller Role
This Privacy Policy applies to all personal data processed via the PathDividend.com website and any associated services that refer to this Policy. PathDividend.com is the data controller with respect to the personal data collected through our site and services. We define the purposes and means of processing in accordance with applicable law.
3. Categories of Data We Process
We may process the following categories of personal data:
a. Usage Data
Includes information about how you use our website. This may include your IP address, browser type, language preferences, access dates and times, referring URLs, device identifiers, pages viewed, and navigation patterns.
b. Account Data
Includes your name, mailing address, email address, telephone number, and any login credentials you use when registering for an account on PathDividend.com.
c. Profile Data
Encompasses your preferences, interests, demographic information, purchase and interaction history, and behavioral patterns associated with your use of our services.
d. Communication Data
Includes records of your interactions with us, such as support inquiries, contact forms, messaging content, and feedback submissions.
e. Technical Data
Covers device type, device operating system, browser ID, screen resolution, network connections, and system configurations automatically collected by our servers.
f. Transaction Data
Involves data related to purchases or monetary transactions through PathDividend.com, including billing addresses, payment method details (processed securely by third parties), order history, and delivery information.
g. Preference Data
Includes your indicated marketing preferences, consent choices, notification settings, product interest categories, and opt-in/opt-out statuses.
4. Legal Bases for Processing
Under GDPR and CCPA, we process personal data only when we have a lawful basis for doing so. These include:
– Consent: Where you have given explicit permission for the processing of your personal data.
– Contractual necessity: To enter into or fulfill a contract with you.
– Legal obligation: When processing is required to meet statutory requirements.
– Legitimate interest: When processing is necessary for our legitimate business interests and does not override your fundamental rights and freedoms. For example, to analyze traffic, improve services, or prevent fraud.
5. Your Rights
We are committed to upholding your data subject rights under GDPR and CCPA, including:
– Right of Access: You have the right to request access to the personal data we hold about you.
– Right to Rectification: You may request correction of inaccurate or incomplete personal data.
– Right to Erasure (“Right to be Forgotten”): You may request that we delete your personal data, subject to lawful exceptions.
– Right to Restriction: You may request that we halt certain types of data processing under specific circumstances.
– Right to Data Portability: You may request a copy of your personal data in a structured, machine-readable format.
– Right to Object: You may object to our use of your personal data on grounds relating to your particular situation.
– Right to Non-Discrimination: Under the CCPA, we will not discriminate against you if you choose to exercise your privacy rights.
To exercise any of the above rights, please contact us at [email protected]. We reserve the right to verify your identity before fulfilling any request.
6. Security Measures
We have implemented appropriate technical and organizational safeguards to protect your personal data. These measures include but are not limited to:
– Industry-standard encryption (SSL/TLS) for transmitted data;
– Access controls and multi-factor authentication for internal systems;
– Regular automated and manual backups;
– Cybersecurity training for staff with data access responsibilities;
– Routine vulnerability assessments and patching procedures.
While no method of transmission or storage is 100% secure, we continuously evaluate and enhance our practices to ensure the integrity and confidentiality of your information.
7. International Data Transfers
As PathDividend.com may engage with vendors and partners located outside the European Economic Area (EEA) or other local jurisdictions, personal data may be transferred internationally. Where such transfers occur, we ensure adequate safeguards are in place, such as:
– Standard Contractual Clauses (SCCs) approved by the European Commission;
– Compliance with the UK GDPR, Swiss data protection laws, and other applicable regulations;
– Binding corporate rules and contractual agreements where relevant.
8. Data Retention
We retain personal data only for as long as is necessary to fulfill the purposes for which it was collected, including legal, regulatory, tax, accounting, or reporting obligations.
– Usage & Technical Data: Retained for up to 12 months for analytics and security audit purposes.
– Account & Profile Data: Retained as long as the user account is active, and for up to 5 years thereafter, unless otherwise required by law.
– Communication Data: Maintained for 3 years or in accordance with applicable statute of limitations.
– Transaction Data: Retained for up to 7 years for compliance with financial and tax record-keeping obligations.
– Preference Data: Maintained until you update your preferences or withdraw consent.
9. Cookie Policy
PathDividend.com uses cookies and similar technologies to improve user experience, optimize site performance, and support analytical functions. We classify cookies into the following categories:
– Essential Cookies: Required for the website to function properly, including session management and user authentication.
– Functional Cookies: Aid in remembering user-selected options such as language or region.
– Analytics Cookies: Help us measure behavior and performance through aggregated statistical data.
– Performance Cookies: Facilitate optimization of site load speed and navigation efficiency.
Third-party services may also place cookies, subject to their own privacy policies.
10. Cookie Management and Compliance with GDPR & CCPA
Upon your first visit to PathDividend.com, we will present a cookie banner allowing you to accept, decline, or customize your cookie preferences. You may modify your consent at any time via our cookie management tool accessible from our website footer.
Under both GDPR and CCPA, you have the right to:
– Be informed of what cookies are used and for what purpose;
– Provide or withdraw consent;
– Refuse non-essential cookies without detriment;
– Access further information about specific cookie providers upon request.
11. Special Protections for Children Under 13
The services provided on PathDividend.com are not directed to or intended for children under the age of 13. We do not knowingly collect or process personally identifiable information from minors. If we become aware that a minor under 13 has submitted personal data without verifiable parental consent, we will take steps to delete such data promptly.
12. Policy Updates and User Notifications
We may update this Privacy Policy from time to time to reflect changes in legal or regulatory obligations, operational practices, or technological advancements. When material modifications are made, we will notify users through prominent notices posted on the PathDividend.com homepage or through direct communication where feasible. Continued use of our services after such updates constitutes acknowledgement of the revised terms.
13. Contact
If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your personal data, please contact us at:
Email: [email protected]
Website: https://www.pathdividend.com
We are dedicated to complying with applicable data protection laws and upholding your privacy rights. Your personal information matters to us, and we appreciate the trust you place in PathDividend.com.