Privacy Policy

Data Controller Information

The data controller responsible for processing your personal information is:

Fidecum AG businessOnline
Kaiser-Friedrich-Promenade 65
61348 Bad Homburg v d Höhe
Deutschland
BaFin-ID: 10121341

For privacy-related inquiries, contact us at: help@fidecum.it.com or call +493375901409

What Information We Collect

We collect different types of information depending on how you interact with our platform. Here's what we gather and why:

Information You Provide Directly

• Name, email address, and phone number when you register or contact us
• Financial preferences and budget allocation data when using our tools
• Communication history when you reach out for support or guidance
• Payment information when enrolling in educational programs
• Survey responses and feedback you choose to share

Information Collected Automatically

• Device type, browser information, and operating system
• IP address and approximate geographic location
• Pages visited, time spent, and navigation patterns on our platform
• Referral sources and search terms used to find us
• Session data and interaction with educational content

How We Use Your Information

Your data helps us deliver better services and improve your learning experience. We use it for:

• Providing access to budget allocation tools and educational resources
• Communicating updates about your account and our services
• Processing enrollments and managing program participation
• Responding to questions, support requests, and feedback
• Analyzing platform usage to improve content and functionality
• Personalizing recommendations based on your interests and goals
• Complying with legal obligations and regulatory requirements
• Detecting and preventing fraud or security issues

We process your personal data only when we have a valid legal basis, including:

• Your explicit consent (which you can withdraw anytime)
• Contract fulfillment when you use our services
• Legal obligations we must meet as a regulated financial entity
• Legitimate interests in operating and improving our platform

Data Sharing and Third Parties

We don't sell your personal information. Period. But we do share data with trusted partners in specific situations:

Service Providers

We work with companies that help us run our platform, including hosting providers, payment processors, and email service platforms. These partners can only access data necessary for their specific tasks and are contractually bound to protect it.

Legal Requirements

We may disclose information when required by German or European law, court orders, or regulatory authorities like BaFin. We'll notify you unless legally prohibited from doing so.

Business Transfers

If Fidecum AG undergoes a merger, acquisition, or sale, your data may be transferred to the new entity. You'll be notified of any such changes and your rights under those circumstances.

International Data Transfers

While we primarily operate within the European Economic Area, some service providers may be located outside the EEA. When we transfer data internationally, we ensure adequate protection through:

• Standard Contractual Clauses approved by the European Commission
• Adequacy decisions for countries with comparable data protection
• Binding Corporate Rules for multinational service providers

Our Dubai office (Al Qusais - Al Qusais 1 - Dubai - United Arab Emirates) handles certain operational functions. Data transfers to this location are protected under appropriate safeguards and internal policies.

Your Privacy Rights

Under GDPR, you have significant control over your personal data. Here's what you can do:

How to Exercise Your Rights

To make a request, email us at help@fidecum.it.com with "Privacy Request" in the subject line. Include your full name, account email, and specify which right you'd like to exercise. We'll respond within 30 days, though complex requests may take up to 60 days.

If you're not satisfied with our response, you have the right to lodge a complaint with the German data protection authority:

Der Bundesbeauftragte für den Datenschutz und die Informationsfreiheit (BfDI)
Graurheindorfer Str. 153
53117 Bonn, Germany

Data Retention and Deletion

We keep your information only as long as necessary for the purposes we collected it. Here's our general approach:

After these periods, we securely delete or anonymize your data so it can no longer identify you. Some information may be kept longer if required by law or for legitimate legal purposes.

Security Measures

We implement industry-standard security practices to protect your information from unauthorized access, alteration, or destruction:

• Encryption of data in transit using TLS/SSL protocols
• Encrypted storage of sensitive personal and financial information
• Regular security audits and vulnerability assessments
• Access controls limiting who can view your data internally
• Multi-factor authentication for administrative access
• Employee training on data protection and confidentiality
• Incident response procedures for potential breaches

While we take security seriously, no system is completely invulnerable. If we detect a data breach that poses a risk to your rights, we'll notify you and relevant authorities within 72 hours as required by GDPR.

Cookies and Tracking Technologies

Our platform uses cookies and similar technologies to function properly and improve your experience. We categorize these as:

Essential Cookies

Required for basic platform functionality, like maintaining your login session and security features. These can't be disabled.

Performance Cookies

Help us understand how visitors use our site by collecting anonymous usage statistics. You can opt out of these.

Functional Cookies

Remember your preferences and personalize your experience, such as language settings or content recommendations.

You can manage cookie preferences through your browser settings, but disabling certain cookies may affect platform functionality. We don't use cookies for third-party advertising or tracking across other websites.

Children's Privacy

Our services are designed for adults aged 18 and older. We don't knowingly collect personal information from minors. If you're a parent or guardian and believe your child has provided us with personal data, contact us immediately so we can delete it.

Educational programs may occasionally be accessed by individuals aged 16-17 with parental consent. In these cases, we collect only minimal information necessary for program delivery and require verifiable parental permission.

Changes to This Policy

We update this privacy policy periodically to reflect changes in our practices, legal requirements, or platform features. When we make significant changes, we'll notify you via email or a prominent notice on our website at least 30 days before the new policy takes effect.

The "Effective Date" at the top indicates when this version became active. Previous versions are archived and available upon request.

Continuing to use our services after changes take effect means you accept the updated policy.

Additional Information for Specific Services

Budget Allocation Tools

When you use our interactive budget planning features, we store your financial preferences and allocation strategies to provide personalized recommendations. This data is encrypted and accessible only to you unless you explicitly share it with an advisor.

Educational Programs

Enrollment in learning programs requires additional information such as educational background and career goals. This helps us tailor content to your needs. Progress tracking data is retained for the duration of the program plus two years for certification verification.

Email Communications

We send transactional emails (account updates, program information) that you can't opt out of. Marketing emails include an unsubscribe link in every message. Your preference is updated within 48 hours of clicking unsubscribe.