PRIVACY POLICY

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Privacy Policy

At Valuto ("we," "us," "our"), we are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our Software as a Service platform, including our website ([website URL]), applications, and related services (collectively, the "Services"). By accessing or using the Services, you agree to the terms of this Privacy Policy. If you do not agree, please do not use the Services

1. Information We Collect

We collect information that you provide to us directly, information generated through your use of the Services, and information collected from third parties. The types of information we collect include:

1.1 Personal Information

• Account Information: When you register for an account, we collect details such as your name, email address, phone number, company name, and payment information (e.g., credit card details or billing address).
• Communications: Information you provide when you contact us, such as through support tickets, emails, or surveys.
• User Content: Any data, files, or content you upload, store, or transmit through the Services (e.g., project data, documents, or messages).
• Card Holder Information: When your customers register their card we collect part or all of their name, email address, phone number, address, birthday and purchase history.

1.2 Usage Data

• Usage Data: Information about how you interact with the Services, such as IP address, browser type, device information, pages visited, features used, and timestamps.
• Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies to enhance your experience, analyze usage, and deliver personalized content. You can manage cookie preferences through your browser settings.
• Analytics: We collect aggregated or anonymized data about Service performance and user behaviour through tools like [e.g., Google Analytics]

1.3 Third-Party Integrations

• Third-Party Integrations: If you connect third-party services (e.g., cloud storage, payment processors) to our Services, we may receive information from those providers as authorized by you.
• Publicly Available Information: We may collect information about you from public sources, such as business directories or social media profiles, to enhance our Services.

2. How We Use Your Information

We use your information to provide, improve, and personalize the Services, as well as to comply with legal obligations. Specific purposes include:

• Providing the Services: To create and manage your account, process payments, deliver features, and respond to support requests.
• Improving the Services: To analyze usage patterns, troubleshoot issues, and develop new features or enhancements.
• Personalization: To tailor content, recommendations, or advertisements based on your preferences and activity.
• Communications: To send you Service-related updates, newsletters, promotional offers, or surveys (you may opt out of non-essential communications).
• Security: To detect and prevent fraud, unauthorized access, or other harmful activities.
• Legal Compliance: To comply with applicable laws, regulations, or legal processes, such as responding to subpoenas or government requests.
• Marketing: We use card holder information to provide marketing related information.

3. How We Share Your Information

We do not sell your personal information. However, we may share your information in the following circumstances:

• Service Providers: We engage third-party vendors (e.g., hosting providers, payment processors, analytics services) to perform functions on our behalf. These providers are contractually obligated to protect your information and use it only for the purposes we specify.
• Business Transfers: If we undergo a merger, acquisition, bankruptcy, or sale of assets, your information may be transferred as part of the transaction, subject to confidentiality obligations.
• Third-Party Integrations: If you enable integrations with third-party services, we may share information with those services as directed by you.
• Legal Requirements: We may disclose your information to comply with applicable laws, regulations, or legal processes, or to protect our rights, property, or safety, or that of our users or others.
• With Your Consent: We may share your information for other purposes if you provide explicit consent.

4. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, including to provide the Services, comply with legal obligations, or resolve disputes. For example:

• Account information is retained while your account is active and for a reasonable period thereafter to comply with tax or legal requirements.
• Usage data may be retained in anonymized form for analytics purposes.
• User Content may be deleted upon account termination, though backups may persist for a limited period.
• Card Holder Information: is retained for the duration of the agreement or upon your option of deleting the information.

When we no longer need your information, we will securely delete or anonymize it in accordance with our data retention policies.

5. Data Security

We implement reasonable technical, administrative, and physical safeguards to protect your personal information from unauthorized access, use, or disclosure. These measures include encryption, access controls, and secure hosting environments. However, no system is completely secure, and we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your account credentials and for any actions taken through your account.

6. Your Choices & Rights

Depending on your jurisdiction, you may have certain rights regarding your personal information, including:

6.1 Account Management

• Update or correct your account information through your account settings.
• Delete your account by contacting us at info@valuto.ca, subject to our retention policies.

6.2 Communication Preferences

• Opt out of marketing emails by clicking the "unsubscribe" link in our emails or contacting us.
• Note that you cannot opt out of Service-related communications (e.g., account notifications, billing confirmations).

6.3 Data Subject Rights

Depending on applicable law (PIPEDA), you may have the right to:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request correction of inaccurate or incomplete information.
• Deletion: Request deletion of your personal information, subject to legal exemptions.
• Restriction: Request that we restrict processing of your information in certain circumstances.
• Data Portability: Request a machine-readable copy of your personal information.
• Object: Object to certain processing activities, such as marketing or profiling.

To exercise these rights, please contact us at info@valuto.ca. We may require verification of your identity before processing your request. We will respond within the timeframes required by applicable law (PIPEDA).

6.4 Cookies

You can manage cookies through your browser settings or by opting out of non-essential cookies via our cookie consent tool (if applicable).

7. International Data Transfers

Our Services are hosted in Canada. If you access the Services from another country, your information may be transferred to and processed in jurisdictions with different data protection laws.

8. Third Party Services

The Services may contain links to or integrations with third-party websites, applications, or services ("Third-Party Services"). We are not responsible for the privacy practices or content of Third-Party Services. We encourage you to review the privacy policies of those services before interacting with them.

9. Children's Privacy

The Services are not intended for individuals under the age of 18 (or the age of majority in your jurisdiction). We do not knowingly collect personal information from children. If we learn that we have collected such information, we will take steps to delete it. If you believe a child has provided us with personal information, please contact us at info@valuto.ca.

10. Changes To Our Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or the Services. We will notify you of material changes by posting the updated Privacy Policy on our website or, where required, by direct communication (e.g., email). The updated Privacy Policy will be effective as of the date of posting or as specified. Your continued use of the Services after any changes constitutes your acceptance of the updated Privacy Policy.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at info@valuto.ca