Privacy Policy

Introduction

At Lithophyllous, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our financial planning services. We understand the sensitive nature of financial information and take comprehensive measures to protect your data.

By accessing our website or using our services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access our website or use our services.

Information We Collect

Personal Information

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

• Register for our services or create an account
• Fill out contact forms or request information
• Subscribe to our newsletters or webinars
• Participate in surveys or feedback forms
• Communicate with us via email, phone, or other channels

This information may include your name, email address, phone number, postal address, financial information, employment details, and other relevant personal data necessary for providing our financial planning services.

Automatically Collected Information

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

• IP address and geographic location
• Browser type and version
• Operating system
• Pages visited and time spent on each page
• Referring website information
• Device information (mobile, desktop, tablet)

How We Use Your Information

We use the collected information for various purposes, including:

• Service Provision: To provide, maintain, and improve our financial planning services, including emergency fund planning, automatic savings solutions, and long-term saving strategies
• Communication: To respond to your inquiries, send important service notifications, and provide customer support
• Personalization: To customize your experience and provide personalized financial recommendations
• Marketing: To send you promotional materials, newsletters, and information about new services (with your consent)
• Analytics: To analyze website usage patterns and improve our services
• Legal Compliance: To comply with applicable laws, regulations, and legal processes
• Security: To protect against fraud, unauthorized access, and other security threats

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 may share your information with trusted third-party service providers who assist us in operating our website, conducting our business, or servicing you. These parties are contractually obligated to keep your information confidential and use it only for the specific purposes for which it was shared.

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, your safety, or the safety of others.

Business Transfers

In the event of a merger, acquisition, or sale of all or part of our business, your information may be transferred to the acquiring entity, subject to the same privacy protections outlined in this policy.

Data Security

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

• Encryption of sensitive data during transmission and storage
• Regular security audits and vulnerability assessments
• Access controls and authentication measures
• Employee training on data protection and privacy practices
• Secure data centers and network infrastructure
• Regular backup procedures and disaster recovery plans

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

Your Privacy Rights

You have certain rights regarding your personal information, including:

• Access: The right to request copies of your personal information
• Rectification: The right to request correction of inaccurate or incomplete information
• Erasure: The right to request deletion of your personal information under certain circumstances
• Restriction: The right to request restriction of processing your personal information
• Portability: The right to request transfer of your data to another organization
• Objection: The right to object to our processing of your personal information
• Withdraw Consent: The right to withdraw consent for data processing where consent is the legal basis

To exercise any of these rights, please contact us using the information provided in the "Contact Us" section below.

Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience and provide personalized content. Cookies are small data files stored on your device that help us remember your preferences and improve our services.

We use the following types of cookies:

• Essential Cookies: Necessary for basic website functionality
• Performance Cookies: Help us analyze website usage and performance
• Functional Cookies: Remember your preferences and settings
• Marketing Cookies: Used to deliver relevant advertisements and track campaign effectiveness

You can control cookie settings through your browser preferences, though disabling certain cookies may affect website functionality.

Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. The retention period may vary depending on the type of information and the purpose for which it was collected.

When personal information is no longer needed, we will securely delete or anonymize it in accordance with our data retention and disposal procedures.

Third-Party Links

Our website may contain links to third-party websites, services, or applications. This Privacy Policy does not apply to these external sites, and we are not responsible for their privacy practices. We encourage you to review the privacy policies of any third-party sites you visit.

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 collected personal information from a child under 18, we will take steps to delete such information from our records.

Changes to This Privacy Policy

We reserve the right to update this Privacy Policy at any time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will update the "Effective Date" at the top of this policy and provide notice through our website or other appropriate means.

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 any changes indicates your acceptance of the updated Privacy Policy.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

We will respond to your inquiries within a reasonable timeframe and work to address any concerns you may have about our privacy practices.