Privacy Policy

1. Who We Are

Bright Finance Pro operates the website bright-finance-pro.com and provides financial education content for informal traders and small merchants in Ecuador. For the purposes of this Privacy Policy, "we", "us", and "our" refer to Bright Finance Pro, located at Av. Los Shyris y 180202 1768, 180202 Ambato. You may contact us at info@bright-finance-pro.com.

This Privacy Policy explains how we collect, use, store, and protect personal data submitted through this website, in accordance with Ecuador's Ley Orgánica de Protección de Datos Personales (LOPDP), published in the Official Register on 26 May 2021, and its implementing regulations.

2. Data We Collect

We collect personal data in the following circumstances:

2.1 Data you provide directly

When you use our contact form, you may provide:

• Full name
• Email address
• Phone number
• Subject of inquiry
• Message content

2.2 Data collected automatically

When you visit our website, certain technical data may be collected automatically, including your IP address, browser type and version, operating system, pages visited, time and date of visit, and referring URL. This data is collected through cookies and similar technologies, as described in our Cookie Policy.

2.3 Data we do not collect

We do not collect sensitive personal data such as financial account information, national identification numbers, health data, or biometric data through this website.

3. Legal Basis for Processing

Under the LOPDP, we process your personal data on the following legal bases:

• Consent: When you submit a contact form and check the privacy checkbox, you provide explicit consent to the processing of your data for the purpose of responding to your inquiry.
• Legitimate interest: We may process technical browsing data based on our legitimate interest in understanding how visitors use our website and in maintaining site security.
• Legal obligation: We may process data where required by applicable Ecuadorian law.

You may withdraw your consent at any time by contacting us at info@bright-finance-pro.com. Withdrawal of consent does not affect the lawfulness of processing carried out before the withdrawal.

4. How We Use Your Data

We use the personal data you provide for the following purposes:

• To respond to inquiries submitted through our contact form
• To provide information about our financial education programs
• To maintain and improve the functionality of our website
• To analyze aggregate, anonymized website usage patterns
• To comply with legal obligations applicable in Ecuador

We do not use your personal data for automated decision-making or profiling that produces legal or similarly significant effects.

5. Data Sharing

We do not sell, rent, or trade your personal data to third parties. We may share data in limited circumstances:

• Service providers: We may share data with trusted technical service providers who assist in operating our website, subject to contractual confidentiality obligations.
• Legal requirements: We may disclose data when required by Ecuadorian law, court order, or government authority.
• Business transfers: In the event of a merger, acquisition, or transfer of assets, personal data may be transferred as part of that transaction, subject to equivalent privacy protections.

Any third parties with whom we share data are required to handle it in accordance with applicable data protection law.

6. Data Retention

We retain personal data only for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable law.

Contact form submissions are retained for a period of up to 24 months from the date of submission, after which they are securely deleted unless retention is required for legal purposes. Technical browsing data collected through cookies is retained according to the periods specified in our Cookie Policy.

When data is no longer needed, it is deleted or anonymized in a manner that prevents re-identification.

7. Your Rights

Under the LOPDP, you have the following rights regarding your personal data:

• Right of access: You may request a copy of the personal data we hold about you.
• Right to rectification: You may request correction of inaccurate or incomplete data.
• Right to erasure: You may request deletion of your personal data where there is no longer a legal basis for its retention.
• Right to restriction: You may request that we limit the processing of your data in certain circumstances.
• Right to portability: You may request that we provide your data in a structured, commonly used, machine-readable format.
• Right to object: You may object to processing based on legitimate interest.
• Right to withdraw consent: Where processing is based on consent, you may withdraw it at any time.

To exercise any of these rights, contact us at info@bright-finance-pro.com. We will respond within the timeframes established by the LOPDP. You also have the right to lodge a complaint with the Superintendencia de Protección de Datos Personales, Ecuador's supervisory authority for data protection.

8. Cookies

Our website uses cookies and similar tracking technologies. Cookies are small text files stored on your device that help us understand how the site is used and improve your experience. We use both strictly necessary cookies and, with your consent, optional analytics and functional cookies.

You can manage your cookie preferences at any time through the cookie consent banner displayed when you first visit the site. For full details on the cookies we use, their purpose, and their retention periods, please refer to our Cookie Policy.

9. Data Security

We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. These measures include the use of secure HTTPS connections, access controls, and regular review of our data handling practices.

While we take reasonable steps to protect your data, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security, but we are committed to notifying affected individuals and relevant authorities in the event of a data breach, as required by the LOPDP.

10. International Data Transfers

Where we use third-party service providers whose servers are located outside Ecuador, personal data may be transferred internationally. In such cases, we take steps to ensure that appropriate safeguards are in place, consistent with the requirements of the LOPDP, such as contractual data protection clauses or transfers to countries recognized as providing an adequate level of protection.

11. Minors

This website is intended for general audiences including young people over the age of 15. We do not knowingly collect personal data from children under 15 years of age without verifiable parental consent, as required by the LOPDP. If you believe we have inadvertently collected data from a child under 15, please contact us at info@bright-finance-pro.com and we will take prompt steps to delete that information.

12. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or operational needs. When we make material changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically. Continued use of the website after changes are posted constitutes acceptance of the updated policy.

13. Contact

If you have questions, concerns, or requests related to this Privacy Policy or our data processing practices, please contact us:

• Email: info@bright-finance-pro.com
• Address: Av. Los Shyris y 180202 1768, 180202 Ambato
• Phone: +593985520876

We are committed to addressing your concerns in a timely and transparent manner.