Privacy Policy

Privacy Policy for Zealthy.net

We are staunchly committed to protecting and meticulously safeguarding the privacy, confidentiality, and security of personal information relating to our website visitors and service users. This commitment extends across all our operations, systems, and processes.

This policy applies where we are acting as a data controller with respect to the personal data of our website visitors and service users; in other words, where we determine the purposes and means of the processing of that personal data. In this role, we are responsible for maintaining comprehensive oversight of how your personal information is collected, used, and protected throughout our systems.

We may process usage data (“usage data”), which comprehensively includes browser type and version, operating system details, page view timestamps, interaction patterns, feature utilization metrics, and session duration statistics. This information is collected through automated logging systems, cookie tracking, and analytics tools and may include time spent on specific health articles, wellness calculator usage, and financial planning tool interactions. The source of this data is our analytics software and website monitoring systems. We process this information for several important purposes, including improving user experience, optimizing website performance, analyzing content effectiveness, and enhancing service delivery, which enables us to personalize content recommendations, improve site navigation, and develop more relevant features. The legal basis for this processing is our legitimate interests in monitoring and improving our website and services.

We may process account data (“account data”), which comprehensively includes name, email address, telephone number, billing address, and account security credentials. This information is collected through registration forms, account setup processes, and direct user input and may include newsletter preferences, notification settings, and account recovery information. The source of this data is user-provided information during account creation and management. We process this information for several important purposes, including account authentication, service delivery, communication management, and security verification, which enables us to provide personalized services, maintain account security, and facilitate user support. The legal basis for this processing is the performance of a contract between you and us and/or taking steps, at your request, to enter into such a contract.

We may process profile data (“profile data”), which comprehensively includes wellness goals, health interests, financial objectives, dietary preferences, and fitness levels. This information is collected through profile customization forms, preference settings, and interactive assessments and may include personal health targets, investment preferences, and lifestyle choices. The source of this data is user input and profile customization. We process this information for several important purposes, including content personalization, service optimization, progress tracking, and recommendation generation, which enables us to deliver tailored content, relevant recommendations, and personalized wellness plans. The legal basis for this processing is our legitimate interests in providing personalized services and user consent.

Your Rights:

Right to Access: You have the right to obtain confirmation about whether we process your personal data and request copies of this data. This includes the ability to view your stored information, verify processing purposes, and understand data categories. To exercise this right, submit a formal request through our dedicated privacy portal or contact our data protection team at [email protected]. We will respond within 30 days and may require government-issued identification, proof of address, and account verification to confirm your identity.

Right to Rectification: You have the right to request correction of inaccurate personal data and complete any incomplete information in our records. This includes the ability to update profile information, correct account details, and modify stored preferences. To exercise this right, access your account settings or submit a correction request through our support system. We will process valid requests within 15 business days and may require account credentials, supporting documentation, and identity verification to process your request.

[Character limit reached – Continuing in next response with remaining rights]Data Processing and Security Measures

At Zealthy.net, we carefully handle various types of personal data to provide our financial wellness services. Here’s how we process and protect your information:

Data Processing Details

We process Service Data which includes account details, profile information, and service preferences. This processing involves automated data collection and manual review, enabling us to personalize your financial wellness experience. For example, in the context of Finance, this includes tracking your wellness goals and financial objectives. The legal basis for this processing is legitimate interest and contract fulfillment, specifically to deliver personalized financial wellness guidance.

We process Technical Data which includes device information, IP addresses, and browsing patterns. This processing involves automated logging and analysis, enabling us to optimize site performance and security. For example, in the context of Finance, this includes monitoring login patterns and security preferences. The legal basis for this processing is legitimate interest, specifically to maintain platform security and functionality.

We process Communication Data which includes email correspondence, support tickets, and feedback submissions. This processing involves message storage and analysis, enabling us to provide effective customer support. For example, in the context of Finance, this includes maintaining records of financial advice inquiries. The legal basis for this processing is consent and legitimate interest, specifically to address user concerns and improve services.

We process Transaction Data which includes payment information, subscription details, and service usage records. This processing involves secure payment processing and transaction logging, enabling us to manage financial transactions. For example, in the context of Finance, this includes premium subscription payments and service upgrades. The legal basis for this processing is contract performance and legal obligation, specifically to process payments and maintain financial records.

We process Preference Data which includes content preferences, notification settings, and personalization choices. This processing involves preference tracking and implementation, enabling us to customize user experience. For example, in the context of Finance, this includes investment interest tracking and wellness goal settings. The legal basis for this processing is consent and legitimate interest, specifically to provide tailored content and services.

Security Measures

Our comprehensive encryption protocols ensure end-to-end protection of your data, incorporating industry-standard algorithms and regular security updates to maintain data integrity. This includes regular security assessments and penetration testing by qualified professionals.

We implement multi-layered security infrastructure, including advanced firewalls and intrusion detection systems that continuously monitor for and prevent unauthorized access attempts. This infrastructure undergoes regular updates and enhancements.

Access to personal data is strictly controlled through role-based permissions, multi-factor authentication, and detailed access logs. We maintain comprehensive audit trails of all data access and modifications.

Our continuous monitoring systems provide real-time threat detection and automated response protocols, ensuring immediate action against potential security threats.

We maintain comprehensive backup procedures with encrypted offsite storage and regular recovery testing, ensuring data availability and integrity.

All staff undergo regular security awareness training and must comply with detailed data protection protocols, including specific training for handling sensitive financial data.

International Data Transfers

We may transfer your personal data to countries outside your jurisdiction. These transfers are protected by appropriate safeguards, including Standard Contractual Clauses, Privacy Shield certification, and Binding Corporate Rules. Each international transfer is conducted under strict protocols that ensure:
– Adequate data protection standards
– Compliant processing procedures
– Enforceable data subject rights
– Effective legal remedies

International transfers are protected by ISO 27001 standards, GDPR requirements, and CCPA guidelines, ensuring compliance with global privacy regulations. We implement additional measures including:
– Regular compliance audits
– Data protection impact assessments
– Documented transfer mechanisms
– Continuous monitoring procedures

Regarding international transfers, you maintain specific rights including:
– Right to information about transfers
– Right to object to transfers
– Right to withdraw consent
– Right to data protection guarantees

Data Retention

We maintain specific retention periods for different data categories:

Account Information: Retained for the duration of account activity plus 2 years for legal compliance and account reactivation purposes
Usage Data: Stored for 12 months to analyze usage patterns and improve services
Transaction Records: Kept for 7 years to comply with financial regulations and tax requirements
Communication History: Maintained for 3 years to ensure continuity of service and support
Technical Logs: Preserved for 6 months for security and performance optimization

These retention periods are determined by:
– Legal requirements
– Business purposes
– Technical necessities
– User preferences

Special circumstances affecting retention:
– Legal obligations
– Dispute resolution
– Security investigationsCookie Policy for Zealthy.net

Essential cookies are fundamental to our website functionality. These cookies process authentication tokens, security parameters, and session data to maintain secure and stable operations. In our finance context, these cookies specifically manage secure login sessions for accessing personal financial dashboards, encrypt sensitive transaction data, and ensure continuous security monitoring. We use them for:
– Secure user authentication and session management
– Critical security measures and fraud prevention
– Core website operations and stability
– Technical performance optimization
– Data protection and encryption

Functional cookies enhance your experience by remembering your preferences. They process user settings and interface choices to deliver personalized content. For example, they remember your preferred investment categories, wellness tracking preferences, and content display settings. They enable:
– Custom language and regional settings
– Personalized content recommendations
– Interface customization options
– Feature optimization based on usage
– Saved preferences for calculators and tools

Analytics cookies help us understand how users interact with our financial wellness content. They collect anonymized information about your journey through our platform, helping us improve our educational resources and financial tools. These cookies track:
– Content engagement metrics
– User navigation patterns
– Tool and calculator usage
– Session duration and frequency
– Feature popularity and effectiveness

Performance cookies assess and enhance our website’s technical operation by monitoring system metrics and user experience data. They help us maintain optimal loading speeds for financial calculators and ensure smooth operation of interactive tools by:
– Measuring page load times
– Identifying technical bottlenecks
– Optimizing resource delivery
– Analyzing user experience metrics
– Monitoring system stability

Cookie Management

You maintain full control over your cookie preferences through:
– Browser privacy settings
– Our cookie consent management tool
– Privacy preference center
– Account settings dashboard

GDPR Compliance

For EU residents, we implement comprehensive data protection measures including:
– Clear consent mechanisms for all non-essential cookies
– Strict data minimization practices
– Specific purpose limitations for all data collection
– Defined storage limitation periods
– Complete processing transparency

CCPA Compliance

California residents are entitled to additional privacy rights:
– Comprehensive access to collected personal information
– Complete data deletion upon request
– Clear opt-out options for data sales
– Equal service quality regardless of privacy choices
– Full disclosure of collected information

COPPA Compliance

For users under 13 years of age:
– Strict age verification processes
– Mandatory parental consent requirements
– Minimal data collection practices
– Enhanced protection measures
– Complete parental access and control

Updates and Changes

Our privacy practices remain current through:
– Regular policy reviews and updates
– Proactive user notifications
– Consent renewal requirements
– Detailed change documentation
– Ongoing compliance monitoring

Contact Information

For all privacy-related matters:
– Email: [email protected]
– Response Time: Within 48 hours
– Identity verification required for data requests
– Support available for privacy concerns and rights exercise

This policy was created specifically for zealthy.net and covers all associated services within the Finance industry.