Privacy Policy

Effective Date: January 1, 2025

Last Updated: January 1, 2025

North Vale Analytics ("we," "our," or "us") operates the website northvaleanalytics.com (the "Website"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Website and use our services.

By accessing or using our Website, you agree to the terms of this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access the Website.

1. Information We Collect

1.1 Personal Information

We may collect personally identifiable information that you voluntarily provide to us when you:

• Fill out contact forms
• Subscribe to our newsletter or updates
• Participate in surveys or polls
• Comment on our blog posts
• Request information about our services

This information may include:

• Full name
• Email address
• Phone number
• Company name and job title
• Any other information you choose to provide

1.2 Automatically Collected Information

When you visit our Website, we automatically collect certain information about your device and browsing behavior, including:

• IP address
• Browser type and version
• Operating system
• Referring website addresses
• Pages viewed and time spent on pages
• Date and time of visits
• Device identifiers

1.3 Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to enhance your experience on our Website. Cookies are small data files stored on your device that help us:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Deliver personalized content
• Measure the effectiveness of our marketing campaigns

You can control cookie settings through your browser preferences. However, disabling cookies may affect your ability to use certain features of our Website.

2. How We Use Your Information

We use the collected information for various purposes, including:

• Communication: To respond to your inquiries, send newsletters, and provide updates about our content and services
• Website Improvement: To analyze usage patterns and improve our Website's functionality, content, and user experience
• Personalization: To deliver content and recommendations tailored to your interests
• Marketing: To send promotional materials, special offers, and information about financial technology topics that may interest you
• Analytics: To understand how visitors interact with our Website and identify trends
• Security: To protect against fraud, unauthorized access, and other security threats
• Legal Compliance: To comply with applicable laws, regulations, and legal processes

3. Information Sharing and Disclosure

We respect your privacy and do not sell your personal information to third parties. We may share your information in the following circumstances:

3.1 Service Providers

We may share information with third-party service providers who perform services on our behalf, such as:

• Website hosting and maintenance
• Email delivery and marketing automation
• Analytics and data analysis
• Customer support services

These service providers are contractually obligated to protect your information and use it only for the purposes we specify.

3.2 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities, including:

• Compliance with legal obligations
• Protection of our rights and property
• Prevention of fraud or security threats
• Protection of the safety of our users or the public

3.3 Business Transfers

In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change and the choices you may have regarding your information.

4. Third-Party Services

Our Website may contain links to third-party websites and services, including:

• Social media platforms
• Analytics services (Google Analytics, Facebook Pixel)
• Content delivery networks
• Payment processors

We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any personal information.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit using SSL/TLS protocols
• Secure server infrastructure
• Regular security assessments and updates
• Access controls and authentication procedures
• Employee training on data protection practices

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it.

7. Your Rights and Choices

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

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information
• Objection: Object to the processing of your personal information
• Restriction: Request restriction of processing in certain circumstances
• Portability: Request a copy of your information in a structured, machine-readable format
• Withdraw Consent: Withdraw your consent at any time where processing is based on consent

To exercise these rights, please contact us using the information provided below.

7.1 Marketing Communications

You may opt out of receiving marketing communications from us by:

• Clicking the "unsubscribe" link in our emails
• Contacting us directly at contact@northvaleanalytics.com
• Updating your communication preferences in your account settings (if applicable)

8. Children's Privacy

Our Website is not intended for children under the age of 16. We do not knowingly collect personal information from children under 16. If we become aware that we have collected personal information from a child under 16, we will take steps to delete such information promptly.

9. International Data Transfers

Your information may be transferred to and maintained on servers located outside of your state, province, country, or other governmental jurisdiction where data protection laws may differ. By using our Website, you consent to the transfer of your information to the United States and other countries where we operate.

10. California Privacy Rights

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information we collect, use, disclose, and sell
• Right to request deletion of your personal information
• Right to opt-out of the sale of your personal information (we do not sell personal information)
• Right to non-discrimination for exercising your privacy rights

11. European Privacy Rights (GDPR)

If you are located in the European Economic Area (EEA), you have rights under the General Data Protection Regulation (GDPR), including those listed in Section 7 above. We process your personal information based on:

• Consent: Where you have given explicit consent
• Contract: Where processing is necessary for a contract with you
• Legal Obligation: Where required by law
• Legitimate Interests: Where necessary for our legitimate business interests

12. Changes to This Privacy Policy

We reserve the right to modify this Privacy Policy at any time. When we make changes, we will update the "Last Updated" date at the top of this policy. We encourage you to review this Privacy Policy periodically. Your continued use of the Website after changes are posted constitutes your acceptance of the modified Privacy Policy.

13. Contact Information

14. Dispute Resolution

If you have concerns about how we handle your personal information, please contact us first. We will investigate and attempt to resolve any complaints and disputes regarding use and disclosure of personal information in accordance with this Privacy Policy.

By using our Website, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.