Privacy Policy
1. Introduction
At dividendsaga.com (“we”, “our”, or “us”), we are committed to safeguarding the privacy, integrity, and security of your personal data. We believe in transparency and take our data protection obligations seriously. This Privacy Policy explains how we collect, use, disclose, and protect your personal information in accordance with applicable data protection laws, including the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA).
2. Scope of This Policy and Controller Responsibility
This Privacy Policy applies to personal data collected through dividendsaga.com and any related digital services or communications. dividendsaga.com acts as the “Data Controller” for the personal information we process under the definitions provided by the GDPR and other applicable privacy standards. If you have questions or wish to exercise your rights under this policy, please contact us at [email protected].
By accessing or using our website and services, you acknowledge and accept the data practices described in this Privacy Policy.
3. Categories of Data We Process
We collect and process the following categories of personal data, each for specific purposes aligned with lawful bases:
a. Usage Data
Includes information such as your browser type, IP address, device identifiers, session metadata, geolocation (where permitted), referring URLs, page interaction data, and other diagnostic data to monitor and enhance our website functionality.
b. Account Data
Includes name, billing/shipping address, email address, phone number, and login credentials provided when creating or managing an account on dividendsaga.com.
c. Profile Data
Includes information about your preferences, purchase history, content interactions, feedback submissions, and behavioral data tied to your use of our services.
d. Communication Data
Includes contents of support requests, inquiry records, messages exchanged with our customer service, and metadata from interactions such as timestamps and technical headers.
e. Technical Data
Consists of information about the device(s) you use to access our website or applications, operating system, hardware identifiers, language settings, and browser configurations.
f. Transaction Data
Includes order details, payment method information (processed via secure third-party gateways), delivery address, transaction timestamps, and invoice history.
g. Preference Data
Covers your choices regarding newsletters, marketing consents, promotional offers, and interest in specific products or service categories.
4. Lawful Bases for Processing Personal Data
We process your personal information based on one or more of the following legal grounds:
– Consent: Where you have clearly agreed to the processing of your personal data (e.g., by subscribing to our newsletters).
– Contractual Necessity: Where processing is necessary to perform a contract you have entered into with us (e.g., purchase fulfillment).
– Legitimate Interests: For purposes such as analyzing usage trends, enhancing site performance, securing our services, or communicating with you, insofar as they do not override your fundamental rights.
– Legal Obligations: To comply with legal requirements, regulatory inquiries, or court orders.
5. Your Rights
Subject to applicable law and limitations, you have the following rights in relation to your personal data:
– Right of Access: Obtain a copy of your personal data we hold.
– Right to Rectification: Request correction of inaccurate or incomplete data.
– Right to Erasure: Request deletion where your data is no longer needed or processed unlawfully.
– Right to Restriction: Limit how your data is processed under certain circumstances.
– Right to Data Portability: Receive your data in a structured, machine-readable format for transfer to another provider.
– Right to Object: Object to data processing based on our legitimate interests or for direct marketing.
To exercise any of these rights, please contact us at [email protected]. We will respond to all valid requests in a timely manner and in accordance with applicable privacy laws.
6. Security Measures
We employ a robust set of technical and organizational measures to ensure the confidentiality, integrity, and availability of your personal data, including:
– Data encryption in storage and transit via SSL/TLS protocols;
– Role-based access controls and identity authentication mechanisms;
– Regular security audits and vulnerability assessments;
– Enforced data minimization and storage limitation;
– Employee training and operational policies designed to safeguard data handling practices.
7. International Data Transfers
Your personal information may be transferred and processed in jurisdictions outside of your country or the European Economic Area (EEA). Where this occurs, we rely on mechanisms such as Standard Contractual Clauses and ensure equivalent data protection safeguards are implemented to maintain compliance with GDPR and other regulatory frameworks.
8. Data Retention
We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected, including:
– Usage Data: Retained for 12–24 months for analytics.
– Account and Profile Data: Retained as long as your account remains active plus an additional period as required by law (typically up to 6 years).
– Communication and Support Data: Retained for up to 3 years following the last user interaction.
– Transaction Data: Retained for the duration of financial reporting obligations (generally 7 years).
– Consent and Preference Data: Retained until consent is withdrawn or the data becomes irrelevant.
Upon expiry of retention periods, personal data is securely deleted or anonymized.
9. Cookie Policy
dividendsaga.com uses cookies and similar tracking technologies to enhance user experiences and collect analytics information. Categories of cookies used include:
– Essential Cookies: Required for core site functionality such as login and navigation.
– Functional Cookies: Enable site personalization and remember your preferences.
– Analytics Cookies: Collect anonymized usage data to improve content and performance.
– Performance Cookies: Measure page load times and website responsiveness for optimization purposes.
10. Cookie Management and Regulatory Compliance
Upon your first visit to dividendsaga.com, you will be prompted to manage your cookie preferences. You can modify consent settings at any time via our Cookie Settings interface or directly through your browser settings. We honor Do Not Track signals and CCPA “Do Not Sell My Personal Information” requests.
For GDPR-compliant users, cookies and similar technologies will only be used with your explicit consent (with the exception of strictly necessary cookies). For California consumers, we permit the exercise of opt-out rights and provide meaningful transparency about how tracking identifiers are managed.
11. Children’s Privacy
dividendsaga.com does not knowingly collect or solicit personal data from children under the age of 13. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us immediately at [email protected]. We take special care to comply with the Children’s Online Privacy Protection Act (COPPA) and similar international regulations.
12. Policy Updates and Notifications
We reserve the right to update or amend this Privacy Policy as necessary to comply with evolving legal requirements and business practices. Any material changes will be communicated via notices on our website or direct communication channels where applicable. Continued use of dividendsaga.com following such updates constitutes your acceptance of the revised policy.
13. Contacting Us
If you have any privacy-related questions, concerns, or wish to exercise your data protection rights, please do not hesitate to contact us:
Email: [email protected]
At dividendsaga.com, we are fully committed to respecting your privacy and maintaining full compliance with applicable privacy laws. Your trust is important to us, and we welcome your feedback or inquiries regarding our data handling practices.