Privacy Policy

1. Who We Are

Financiario LLC is a California limited liability company operating financiario.com, oanalabes.com, and courses.oanalabes.com (collectively, the "Platforms"). This Privacy Policy explains how we collect, use, share, and protect personal information from visitors, users, customers, and subscribers across all platforms.

For California residents, Financiario LLC is a "Business" under the California Consumer Privacy Act (CCPA). For individuals in GDPR Jurisdictions, Financiario LLC is the data controller for personal information collected from you while you were in those jurisdictions.

2. Information We Collect

2.1 Information You Provide

We collect personal information you voluntarily provide when you:

• Create an account or register for a course, program, or event — identifiers such as name, email address, phone number, and billing address;
• Purchase a product or service — financial account information such as credit or debit card details (processed by third-party payment processors; we do not store full card numbers);
• Fill out a contact or demo request form — name, email, company name, and any details you include;
• Subscribe to The Finance Gem newsletter or other email lists — name and email address;
• Participate in community features, post comments, or submit testimonials — screen name and any content you post.

2.2 Information Collected Automatically

When you visit the Platforms, we and our service providers automatically collect:

• Device and browser information (IP address, operating system, browser type);
• Usage data (pages visited, links clicked, time spent, referring URLs);
• Cookie and tracking data (see Section 4 below);
• Geolocation data (city/region level), if you have not disabled location services.

3. How We Use Your Information

We use your personal information to:

• Provide, manage, and improve our products and services;
• Process payments and manage your account;
• Send transactional communications (order confirmations, account notices, service updates);
• Send marketing and promotional communications (with your consent where required by law);
• Personalize your experience on the Platforms;
• Analyze Platform usage and improve performance;
• Protect against fraud, unauthorized transactions, and security threats;
• Comply with legal obligations.

4. Cookies & Tracking Technologies

We use cookies and similar technologies (pixels, web beacons) to analyze traffic, personalize content, and measure the effectiveness of our marketing. We use Google Analytics (see google.com/policies/privacy/partners to opt out) and may use Meta Pixel, LinkedIn Insight Tag, and similar analytics tools.

Do Not Track: Some browsers include a "Do Not Track" (DNT) signal. We currently do not alter our data practices in response to DNT signals. You may disable cookies in your browser settings; note that some Platform features may not function properly if cookies are disabled.

5. How We Share Your Information

We do not sell, rent, or trade your personal information to third-party marketers. We may share your information:

• With service providers who assist us in operating the Platforms (payment processors, email service providers, analytics tools, CRM platforms) — subject to data processing agreements;
• With affiliates and related entities under substantially similar privacy practices;
• As required by law, legal process, or government authority;
• To protect our rights, property, or safety or that of others;
• In connection with a merger, acquisition, or sale of substantially all assets — personal information may be among the transferred assets.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, to comply with legal obligations, resolve disputes, and enforce our agreements. Account data is retained for the duration of your account plus a reasonable period thereafter. You may request deletion of your data subject to applicable legal exceptions (see Section 8).

7. Security

We maintain administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, disclosure, alteration, and destruction. No method of internet transmission or electronic storage is 100% secure. We cannot guarantee absolute security. In the event of a breach affecting your personal information, we will notify you as required by applicable law.

8. Your Rights & Choices

8.1 Email Communications

You may opt out of marketing emails at any time by clicking "Unsubscribe" in any email or contacting us at support@financiario.com. Transactional and account-related communications are not subject to opt-out.

8.2 California Residents — CCPA Rights

If you are a California resident, you have the right to:

• Know: Request disclosure of the categories and specific pieces of personal information we have collected about you, the sources, our business purpose for collection, and the categories of third parties with whom we share it;
• Delete: Request deletion of personal information we have collected from you, subject to legal exceptions;
• Opt-Out: We do not sell personal information. If this changes, we will provide a "Do Not Sell My Information" link;
• Non-Discrimination: We will not discriminate against you for exercising your CCPA rights.

To exercise your rights, contact us at support@financiario.com. We may verify your identity before processing your request. We will respond within 45 days (with a possible 45-day extension if necessary).

8.3 Virginia Residents

Virginia residents may request access to, correction of, or deletion of their personal information, and may opt out of targeted advertising, under the Virginia Consumer Data Protection Act. To exercise these rights or appeal a denial, contact support@financiario.com.

8.4 GDPR — EU / EEA Data Subjects

If you are located in the European Economic Area or a country with an adequacy decision from the European Commission, you have rights under the GDPR including: transparency, access, rectification, erasure, portability, restriction, and objection. To exercise these rights, contact support@financiario.com. If you are unsatisfied with our response, you may lodge a complaint with your local data protection authority.

9. Children's Privacy

Our platforms are not directed at individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If you believe we have inadvertently collected such information, please contact us at support@financiario.com and we will promptly delete it.

10. Third-Party Websites & Social Media

Our platforms may contain links to third-party websites and social media platforms. We are not responsible for the privacy practices of those sites. We encourage you to review their privacy policies before providing any personal information.

We maintain a presence on LinkedIn, Instagram, YouTube, and other social platforms. Information you provide through those platforms is governed by the respective platform's privacy policy.

11. Authorized Agents

You may designate an authorized agent to submit privacy rights requests on your behalf. Authorized agents must provide written authorization or power of attorney. We reserve the right to verify the agent's authority and your identity before processing any request.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Material changes will be communicated by updating the Effective Date at the top of this page and, where appropriate, by notice to registered users. Continued use of the Platforms following any changes constitutes acceptance of the revised Policy.

13. Contact