Introduction and Scope

Bergamo Meridia ("we," "us," or "our") operates molutlead.pro and provides financial calendar planning services. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

This policy applies to all users of our platform, including visitors to our website, registered users, and participants in our financial planning programs. By accessing or using our services, you agree to the collection and use of information in accordance with this policy.

Information We Collect

We collect several types of information from and about users of our service:

Personal Information

• Contact information including name, email address, phone number, and mailing address
• Financial planning preferences and goals you share with us
• Account credentials and security information
• Payment and billing information when you subscribe to our services
• Communication records including emails, chat messages, and phone conversations

Technical Information

• Device information including IP address, browser type, and operating system
• Usage data such as pages visited, time spent on site, and feature interactions
• Cookies and similar tracking technologies data
• Location information based on IP address or device settings

How We Use Your Information

We use the information we collect for various purposes related to providing and improving our financial planning services:

We also use aggregated and anonymized data to analyze trends, understand user behavior, and improve our financial planning tools. This helps us develop better features and provide more relevant content to our users.

Information Sharing and Disclosure

We do not sell, trade, or otherwise transfer your personal information to third parties without your consent, except in the following circumstances:

• Service Providers: We share information with trusted third-party vendors who assist us in operating our website, conducting business, or servicing you, provided they agree to keep this information confidential.
• Legal Requirements: We may disclose your information when required by law, court order, or government regulation, or when we believe disclosure is necessary to protect our rights or comply with legal process.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction.
• Protection of Rights: We may disclose information when necessary to protect the safety, rights, or property of Bergamo Meridia, our users, or others.

Data Security and Protection

We implement comprehensive security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security practices include:

• SSL encryption for all data transmission between your browser and our servers
• Regular security audits and vulnerability assessments
• Access controls limiting employee access to personal information on a need-to-know basis
• Secure data centers with physical and digital security measures
• Regular backup procedures and disaster recovery plans
• Staff training on privacy and security best practices

While we strive to protect your personal information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security but continue to implement industry-standard protections.

Your Privacy Rights

Under Canadian privacy laws, you have several rights regarding your personal information:

• Access: You can request copies of the personal information we hold about you
• Correction: You can ask us to correct inaccurate or incomplete information
• Deletion: You can request deletion of your personal information, subject to legal requirements
• Portability: You can request your data in a structured, commonly used format
• Withdrawal of Consent: You can withdraw consent for marketing communications at any time
• Complaint: You can file a complaint with the Privacy Commissioner of Canada if you believe we've mishandled your information

To exercise any of these rights, please contact us using the information provided at the end of this policy. We will respond to your request within 30 days and may require verification of your identity before processing certain requests.

Data Retention and Deletion

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including:

• Account information: Retained while your account is active and for 7 years after closure for legal compliance
• Financial planning data: Retained for the duration of service provision and 3 years thereafter
• Communication records: Retained for 2 years for customer service and legal purposes
• Technical data and analytics: Retained for 18 months unless anonymized earlier
• Marketing preferences: Retained until you withdraw consent or request deletion

When personal information is no longer needed, we securely delete or anonymize it using industry-standard data destruction methods. Some information may be retained longer if required by law or legitimate business interests.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience and analyze site usage. We use the following types of cookies:

• Essential Cookies: Required for basic site functionality and security
• Performance Cookies: Help us understand how visitors interact with our website
• Functional Cookies: Remember your preferences and settings
• Marketing Cookies: Used to deliver relevant advertisements (with your consent)

You can control cookie settings through your browser preferences, though disabling certain cookies may affect site functionality. We also respect Do Not Track signals when technically feasible.

Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have inadvertently collected information from a child under 18, we will take steps to delete such information promptly.

Parents or guardians who believe their child has provided us with personal information should contact us immediately using the information provided below.

International Data Transfers

While Bergamo Meridia primarily operates within Canada, some of our service providers may be located outside Canada. When we transfer your personal information internationally, we ensure appropriate safeguards are in place:

• Contractual protections requiring equivalent privacy standards
• Adequacy decisions recognizing comparable privacy laws
• Standard contractual clauses approved by privacy authorities
• Ongoing monitoring of international data processing practices

Updates to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we will:

• Post the updated policy on our website with a new effective date
• Send email notifications to registered users about material changes
• Provide prominent notice on our website for 30 days following updates
• Obtain consent for changes that materially expand our use of personal information

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information. Your continued use of our services after policy updates constitutes acceptance of the changes.