Privacy Policy
1. Introduction
At MoneyOrbitNow.com (“we”, “us”, or “our”), we are fully committed to safeguarding your privacy and protecting your personal data. We understand the importance of transparency and security when handling your personal information, and we are dedicated to maintaining your trust through responsible data processing practices. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you access or interact with our website and services.
We adopt a privacy-first approach and implement industry-standard security protocols to ensure that the personal data of our users is handled in compliance with applicable data protection laws, including the General Data Protection Regulation (“GDPR”) and the California Consumer Privacy Act (“CCPA”), as amended.
2. Scope of Policy and Data Controller Role
This Privacy Policy applies to all personal data collected through your use of the website moneyorbitnow.com and associated services. MoneyOrbitNow.com operates as the “Data Controller” under applicable privacy laws, which means we determine the purposes and means of processing your personal data.
By using or accessing our services, you acknowledge that you have read and understood this Privacy Policy.
3. Categories of Data Processed
We may collect and process the following categories of personal data:
– Usage Data: Includes your browser type, IP address, internet service provider, referring/exit pages, operating system, and session timestamps.
– Account Data: Includes your full name, residential address, email address, telephone number, and account login credentials when you register or create a profile.
– Profile Data: Includes your transaction history, preferences, purchase details, and behavioral data when interacting with our services or content.
– Communication Data: Includes records of inquiries, support ticket histories, chat logs, and other data you provide when you contact us directly.
– Technical Data: Includes information about the devices you use to access the website, such as hardware model, operating system version, system configurations, and browser plug-ins.
– Transaction Data: Includes billing and payment records, delivery address details, and transaction confirmations provided during purchase and subscription activities.
– Preference Data: Includes marketing and communication preferences, service interest data, and your responses to survey or feedback requests.
4. Legal Bases for Processing
We process your personal data only when we have a lawful basis to do so, including:
– Contractual Necessity: Processing required to fulfill contractual obligations or pre-contractual steps at your request.
– Consent: Where you have given explicit permission for processing certain categories of personal data (e.g., receiving marketing communications).
– Legitimate Interest: Processing necessary for our legitimate interests, provided these interests do not override your rights and freedoms, such as improving our website, detecting fraud, or sending relevant information about our services.
– Legal Obligation: Where processing is required for compliance with legal requirements or regulatory mandates.
5. Your Rights
Subject to applicable law, you have the following rights regarding personal data we hold about you:
– Right of Access: Request a copy of personal data we hold.
– Right of Rectification: Correct incomplete or inaccurate data.
– Right to Erasure: Request deletion of your data when it is no longer necessary or if processing is unlawful.
– Right to Restriction: Limit the processing of your data under certain conditions.
– Right to Data Portability: Receive your personal data in a structured, machine-readable format for transmission to another controller.
– Right to Object: Object to processing based on legitimate interests, direct marketing, or profiling.
You can exercise any of these rights by contacting us at [email protected].
6. Security Measures
We implement appropriate technical and organizational safeguards to protect your personal information, including:
– End-to-end encryption of sensitive data during transmission.
– Restricted access based on role-based permissions.
– Regular encrypted backups and secure cloud storage.
– Employee training on data protection best practices.
– Firewalls and intrusion detection systems to prevent unauthorized access.
While no system is entirely immune to cyber threats, we follow industry standards to mitigate risks to your data.
7. International Transfers
We may transfer your personal information outside of your jurisdiction, including to countries that may not provide the same level of data protection. In such cases, we ensure adequate safeguards are in place, including European Commission Standard Contractual Clauses or reliance on adequacy decisions, to ensure your data remains protected in accordance with applicable law.
8. Data Retention
We retain your personal data only as long as necessary to fulfill the purposes for which it was collected, including:
– Usage Data: Up to 12 months from the collection date.
– Account Data: As long as your account remains active, and up to 6 years thereafter for legal and contractual compliance.
– Profile and Preference Data: For the duration of user engagement and a further 24 months unless consent is withdrawn earlier.
– Communication Data: For a period of 3 years from the last communication.
– Transaction Data: Retained for up to 7 years for compliance with financial regulations.
When no longer required, data is securely deleted or anonymized.
9. Cookie Policy
MoneyOrbitNow.com uses cookies and similar tracking technologies to enhance user experience, monitor website performance, and analyze traffic patterns. These cookie categories include:
– Essential Cookies: Necessary for core website functionality such as page navigation and secure access.
– Functional Cookies: Assist in providing features like maintaining login sessions and storing preferences.
– Analytics Cookies: Collect information about website usage to improve performance and tailoring content.
– Performance Cookies: Help evaluate the effectiveness and usability of our website.
We do not use cookies to collect sensitive personal data without your explicit consent.
10. Cookie Management and Compliance with GDPR & CCPA
You have the right to manage your cookie preferences at any time. Most web browsers allow you to control or block cookies via settings. A cookie consent banner is available on moneyorbitnow.com to provide transparency and obtain user permissions in compliance with GDPR and CCPA.
California residents may exercise their “Do Not Sell My Personal Information” rights by adjusting preferences using our cookie management tools or submitting a request to [email protected].
11. Special Protections for Children
Our website and services are not intended for children under the age of 13. We do not knowingly collect or process data from individuals under 13 without verifiable parental consent. If you believe we have inadvertently collected information from a minor, please contact us immediately at [email protected] so we can delete such data promptly.
12. Policy Updates & User Notifications
We reserve the right to revise or update this Privacy Policy at our discretion and without prior notice. Significant changes to this policy will be communicated via the website or through direct email notifications where appropriate. Continued use of moneyorbitnow.com following such changes constitutes your acceptance of the revised policy.
13. Contact Us
If you have questions, concerns, or requests related to your personal data or this Privacy Policy, you may contact our Data Protection Officer at:
Email: [email protected]
We remain committed to full compliance with GDPR, CCPA, and all other applicable data protection laws. Your privacy is important to us, and we encourage you to reach out with any concerns or inquiries regarding how your personal information is handled.