Privacy Policy

This Privacy Policy describes how Meus Finanças ("we", "us", or "our"), operated from R. de Augusto Rosa 79, 4000-098 Porto, Portugal, collects, uses, and protects personal data in connection with the website meusfinancas.com (the "Site"). We are committed to protecting your privacy and processing personal data in accordance with Regulation (EU) 2016/679 (the General Data Protection Regulation, "GDPR") and applicable Portuguese data protection law, including Law 58/2019 of 8 August.

1. Data Controller

The data controller responsible for your personal data is:

Meus Finanças
R. de Augusto Rosa 79
4000-098 Porto, Portugal
Email: info@meusfinancas.com
Phone: +351 220 175 180

2. Personal Data We Collect

We collect personal data only when you actively provide it to us. The categories of data we may collect include:

• Contact form data: When you submit our contact form, we collect your name, email address, optional phone number, the subject of your enquiry, and the content of your message.
• Technical data: When you visit the Site, our server may automatically log your IP address, browser type, operating system, referring URL, and pages visited. This data is collected for security and operational purposes.
• Cookie data: We use cookies as described in our Cookie Policy. Your cookie preferences are stored in a browser cookie.

The savings simulator on this Site operates entirely within your browser and does not transmit any data to our servers. No personal financial data you enter into the simulator is collected or stored by us.

3. Legal Basis for Processing

We process your personal data on the following legal bases under Article 6 of the GDPR:

• Consent (Art. 6(1)(a)): For optional cookies (analytics, functional, marketing) where you have given explicit consent via our cookie banner.
• Legitimate interests (Art. 6(1)(f)): For processing contact form submissions to respond to your enquiry, and for basic server logging necessary for the security and operation of the Site.
• Legal obligation (Art. 6(1)(c)): Where processing is required to comply with applicable law.

4. How We Use Your Data

We use the personal data we collect for the following purposes:

• To respond to enquiries submitted through the contact form
• To maintain the security and proper operation of the Site
• To comply with legal obligations
• To analyse Site usage in aggregate, where you have consented to analytics cookies

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

5. Data Retention

We retain personal data only for as long as necessary for the purposes for which it was collected:

• Contact form submissions are retained for up to 24 months from the date of receipt, unless a longer retention period is required by law or the nature of the ongoing correspondence.
• Server log data is retained for up to 12 months for security purposes.
• Cookie consent records are retained for 13 months.

6. Data Sharing and Third Parties

We do not sell, rent, or trade your personal data to third parties. We may share data with trusted service providers who assist us in operating the Site, subject to appropriate data processing agreements. These providers are contractually bound to process data only on our instructions and in compliance with GDPR.

We may disclose personal data where required by Portuguese or EU law, court order, or regulatory authority.

7. International Transfers

Where personal data is transferred outside the European Economic Area, we ensure appropriate safeguards are in place in accordance with Chapter V of the GDPR, including Standard Contractual Clauses approved by the European Commission.

8. Your Rights

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

• Right of access (Art. 15): You may request a copy of the personal data we hold about you.
• Right to rectification (Art. 16): You may request correction of inaccurate or incomplete data.
• Right to erasure (Art. 17): You may request deletion of your personal data in certain circumstances.
• Right to restriction of processing (Art. 18): You may request that we limit how we use your data.
• Right to data portability (Art. 20): You may request your data in a structured, machine-readable format.
• Right to object (Art. 21): You may object to processing based on legitimate interests.
• Right to withdraw consent: Where processing is based on consent, you may withdraw it at any time without affecting the lawfulness of prior processing.

To exercise any of these rights, please contact us at info@meusfinancas.com. We will respond within one month of receiving your request. You also have the right to lodge a complaint with the Portuguese data protection authority, the Comissão Nacional de Proteção de Dados (CNPD), at www.cnpd.pt.

9. Security

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, accidental loss, destruction, or alteration. These measures include secure server infrastructure, access controls, and regular security reviews.

10. Changes to This Policy

We may update this Privacy Policy from time to time. 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.

11. Contact

For any questions, requests, or concerns regarding this Privacy Policy or our data processing practices, please contact us:

Meus Finanças
R. de Augusto Rosa 79, 4000-098 Porto, Portugal
Email: info@meusfinancas.com
Phone: +351 220 175 180