Who We Are

Blexo Cwisu operates from Unit 34, Gb Business Park, Co. Cork, T45 H681, Ireland. We provide budget investing advice and financial guidance to individuals across Ireland who want to make smarter decisions with their money.

When we say "we," "us," or "our" in this document, we're talking about Blexo Cwisu. "You" or "your" refers to anyone using our website or services.

Information We Collect

Running a financial advice service means we need certain information to help you properly. Here's what we typically gather and why:

Information You Give Us Directly

• Contact Details: Your name, email address, phone number, and postal address when you reach out or sign up for consultations
• Financial Information: Income ranges, investment goals, current financial commitments, and risk tolerance levels during consultations
• Identity Verification: Documentation required under Irish anti-money laundering regulations when establishing formal advisory relationships
• Communication Records: Correspondence through email, phone calls, or our contact forms

Information We Collect Automatically

When you visit blexocwisu.vip, we gather technical information that helps us understand how people use our site:

• Device Information: Browser type, operating system, screen resolution
• Usage Data: Pages visited, time spent on site, links clicked
• Location Data: General geographic location based on IP address (not precise tracking)
• Cookies: Small files that remember your preferences and improve your experience

How We Use Your Information

We're not in the business of collecting data for the sake of it. Everything we gather serves a specific purpose related to helping you with budget investing.

We don't sell your personal information to third parties. Never have, never will. That's not how we operate.

Sharing Your Information

Sometimes we need to share limited information with other parties to provide our services properly. But we're selective about who gets access and why.

Service Providers

We work with trusted companies that help us run our business. This includes website hosting providers, email services, and customer management platforms. These providers can only use your information to deliver services on our behalf and are contractually bound to protect it.

Regulatory Bodies

As a financial services provider in Ireland, we're occasionally required to share information with regulatory authorities. This happens when there's a legal obligation or official request we must comply with.

Business Transfers

If Blexo Cwisu were ever sold or merged with another company, your information would transfer to the new owners. We'd notify you beforehand and ensure the new entity respects your privacy rights under GDPR.

Your Rights Under GDPR

Irish and EU law gives you substantial control over your personal information. Here's what you can do:

1. Access Your Data: Request a copy of all personal information we hold about you. We'll provide this within 30 days at no charge.
2. Correct Inaccuracies: If we've got something wrong, let us know and we'll fix it promptly.
3. Delete Your Information: Ask us to remove your data from our systems. We'll comply unless we have a legal reason to retain it.
4. Restrict Processing: Limit how we use your information while we verify its accuracy or assess our legitimate grounds for processing.
5. Data Portability: Receive your information in a structured, commonly used format to transfer to another service provider.
6. Object to Processing: Challenge how we use your data, particularly for direct marketing purposes.
7. Withdraw Consent: If we're relying on your consent to process information, you can revoke it anytime.

To exercise any of these rights, send an email to [email protected] with your request. We'll verify your identity and respond within the legally required timeframe.

Data Security Measures

Financial information requires serious protection. We've implemented multiple layers of security to keep your data safe:

• Encryption: All data transmission uses SSL/TLS encryption. Information stored on our servers is encrypted at rest.
• Access Controls: Only authorized staff can access personal information, and only when necessary for their role.
• Regular Audits: We review our security practices quarterly and update them based on emerging threats.
• Secure Infrastructure: Our hosting providers maintain ISO 27001 certification and operate data centers within the EU.
• Staff Training: Everyone at Blexo Cwisu receives ongoing training about data protection and privacy requirements.

Despite our precautions, no internet transmission is completely secure. We can't guarantee absolute security, but we're constantly working to minimize risks.

Data Retention Periods

We don't keep information longer than necessary. Here's how long we typically retain different types of data:

• Active Client Records: Duration of our advisory relationship plus seven years (required by Irish financial regulations)
• Inquiry Records: Two years from last contact if no advisory relationship develops
• Marketing Communications: Until you unsubscribe, then removed from active lists within 30 days
• Website Analytics: Anonymized data retained for 26 months
• Financial Transaction Records: Seven years from transaction date (regulatory requirement)

After these periods, we securely delete or anonymize your information so it can't be traced back to you.

Cookies and Tracking

Our website uses cookies to function properly and provide a better experience. When you first visit blexocwisu.vip, you'll see a notification explaining this and asking for your consent.

Types of Cookies We Use

• Essential Cookies: Required for the website to work. These remember your cookie preferences and maintain security during your session.
• Analytics Cookies: Help us understand how visitors use our site so we can improve it. These collect anonymous information about pages viewed and navigation patterns.
• Preference Cookies: Remember your choices like text size or region to personalize your experience.

You can disable cookies through your browser settings, though this might affect website functionality. Most browsers let you control cookie settings independently for different sites.

Children's Privacy

Our services aren't designed for anyone under 18. We don't knowingly collect information from children. If you're a parent who discovers their child has provided us with personal information, please contact us immediately and we'll delete it.

International Data Transfers

We primarily store and process data within Ireland and the European Union. Occasionally, service providers might process information outside the EU (for example, some cloud services use global infrastructure).

When this happens, we ensure appropriate safeguards are in place through Standard Contractual Clauses approved by the European Commission. Your data receives the same level of protection regardless of where it's processed.

Changes to This Policy

We review and update this privacy policy periodically to reflect changes in our practices or legal requirements. The "Last Updated" date at the top shows when we last revised it.

Significant changes will be communicated through email to active clients or through a prominent notice on our website. Continued use of our services after changes take effect means you accept the updated policy.

Complaints and Concerns

If you're unhappy with how we've handled your personal information, please let us know first so we can address your concerns. Most issues can be resolved directly through conversation.

If you're not satisfied with our response, you have the right to lodge a complaint with Ireland's Data Protection Commission (DPC). They're the supervisory authority responsible for protecting privacy rights in Ireland.