Privacy Policy

Introduction and Our Commitment

At morquinalestov, we understand that your personal information is precious. This isn't just corporate speak – we genuinely believe that privacy forms the foundation of trust between our platform and every individual who chooses to develop their financial mindset with us.

This comprehensive privacy policy explains exactly how we collect, use, store, and protect your personal data when you interact with our platform at morquinalestov.com. We've written this document in plain English because transparency shouldn't require a legal degree to understand.

When you use our services, you're entrusting us with information about yourself, and we take that responsibility seriously. This policy covers all aspects of our data handling practices, from the moment you first visit our website to how we manage your information if you ever decide to leave our platform.

Information We Collect

We never collect sensitive financial information like bank account numbers or credit card details beyond what's necessary for subscription processing through our secure payment partners.

How We Use Your Information

Every piece of information we collect serves a specific purpose in enhancing your experience with morquinalestov. We use your personal data to deliver our financial mindset development services, customize your learning journey, and communicate with you about relevant opportunities and updates.

Your usage data helps us understand which educational content resonates most with our community, allowing us to continuously improve our resources and create new materials that address real needs. Think of it as a feedback loop – your engagement patterns help us build better tools for everyone.

We also use aggregated, anonymized data to conduct research on financial education trends and share insights with the broader community. However, this research never includes personally identifiable information, and individual users cannot be identified from these studies.

Communication purposes include sending you important account updates, educational newsletters you've subscribed to, and occasional notifications about new features or resources that align with your interests. You control the frequency and type of communications you receive from us.

Your Rights and Control

Data Security and Protection

Protecting your information isn't just a priority – it's an obsession. We employ multiple layers of security measures to ensure your personal data remains safe from unauthorized access, alteration, or disclosure.

Data Sharing and Third Parties

We don't sell your personal information to third parties. Period. However, we do work with trusted service providers who help us operate our platform and deliver services to you. These partnerships are essential for providing you with the best possible experience.

Our service providers include payment processors for handling subscriptions, email service providers for sending communications, and analytics services that help us understand how our platform is used. Each provider is carefully vetted and bound by strict contractual obligations to protect your data.

We may share aggregated, non-personally identifiable information with partners or researchers to advance financial education and mindset development studies. This data cannot be traced back to individual users and helps contribute to broader understanding of financial wellness trends.

In rare circumstances, we may be required to disclose personal information to comply with legal obligations, protect our rights, or ensure user safety. We'll always notify affected users unless legally prohibited from doing so.

Data Retention and Deletion

We keep your personal information only as long as necessary to provide our services and fulfill the purposes outlined in this policy. Different types of information have different retention periods based on their purpose and legal requirements.

Account information and learning progress data are retained while your account remains active. After account deletion, most personal information is removed within 60 days. However, some information may be retained longer for legal compliance, dispute resolution, or fraud prevention.

Communication records and support interactions are typically retained for two years to help us provide consistent service and resolve any issues that may arise. Financial transaction records are kept for seven years to comply with UK accounting and tax regulations.

You can request early deletion of your information at any time, and we'll honor these requests within legal and operational constraints. Some information may need to be retained to protect both your interests and ours.

International Data Transfers

morquinalestov operates primarily within the United Kingdom, but some of our service providers may be located in other countries. When we transfer your personal information internationally, we ensure appropriate safeguards are in place to protect your data.

All international transfers comply with UK data protection laws and include contractual protections that require the same level of data security you'd expect within the UK. We regularly review these arrangements to ensure continued compliance with evolving privacy regulations.

If you have concerns about international data transfers or need specific information about where your data is processed, please contact our privacy team for detailed information about our current arrangements.

Changes to This Policy

Privacy practices evolve, and so does this policy. We'll update this document periodically to reflect changes in our services, legal requirements, or industry best practices. Significant changes will be communicated directly to all users via email and prominently displayed on our platform.

We encourage you to review this policy regularly to stay informed about how we protect your information. The "last updated" date at the top of this document indicates when the most recent changes were made.

Your continued use of our services after policy updates constitutes acceptance of the revised terms. If you disagree with changes, you always have the option to discontinue using our services and request deletion of your personal information.