Privacy Policy

This Privacy Policy describes how Cigese Fihopu ("we", "us", "our"), operating the website cigese-fihopu.info, collects, uses, stores, and protects personal data. It is written in compliance with the General Data Protection Regulation (EU) 2016/679 (GDPR), the Data Protection Act 2018 (Ireland), and the European Communities (Electronic Communications Networks and Services) (Privacy and Electronic Communications) Regulations 2011 (ePrivacy Regulations). Our registered address is 24 O'Connell St, Trinity Without, Waterford, X91 A891, Ireland.

We take the privacy of visitors to this website seriously. The site is an editorial reading collection about the psychology of saving. It does not offer financial planning services, investment advice, or any form of regulated financial activity. The personal data we collect is limited to what is necessary for operating the website and responding to voluntary contact enquiries.

1. Who We Are and How to Contact Us

The data controller for personal data collected through this website is Cigese Fihopu, 24 O'Connell St, Trinity Without, Waterford, X91 A891, Ireland. You can reach us by email at [email protected] or by telephone at +1 855 400 3575. If you have any questions about how your personal data is handled, or if you wish to exercise any of your rights under GDPR, the contact details above are the appropriate point of contact.

2. What Personal Data We Collect

When you use the contact form on this website, we collect the information you voluntarily provide: your name, email address, telephone number, the subject of your enquiry, and the content of your message. This information is submitted directly via your email client and is received by us at the address above. We do not store contact form submissions on our servers. The act of sending the email creates a record in your email client and in ours, and that record is handled as ordinary correspondence.

When you visit this website, certain technical data is generated automatically as part of how the internet functions. This may include your IP address, browser type and version, operating system, referring URL, pages visited, and time of access. This data may be collected by our hosting provider and by any analytics services we use, as described in the Cookies section below. We do not use this technical data to identify individual visitors unless required to do so by law.

3. Legal Basis for Processing

Under GDPR Article 6, we rely on the following legal bases for processing personal data. For contact form enquiries, the legal basis is Article 6(1)(b) — processing necessary to respond to your request — and Article 6(1)(a) — your consent, expressed through the act of completing and submitting the form and ticking the privacy checkbox. For technical data collected through cookies and similar technologies, the legal basis is Article 6(1)(a) — consent, obtained through our cookie consent mechanism — for any non-essential cookies, and Article 6(1)(f) — legitimate interests — for strictly necessary technical data required to deliver the website.

4. How We Use Your Personal Data

Personal data submitted through the contact form is used solely for the purpose of responding to your enquiry. We do not use it for marketing, we do not share it with third parties for commercial purposes, and we do not add it to any mailing list without explicit separate consent. Technical data is used for website security, performance monitoring, and, where consent has been given, for understanding how visitors use the site in aggregate.

5. Data Retention

Contact form submissions received by email are retained for as long as is necessary to respond to and resolve the enquiry, and for a reasonable period thereafter to maintain a record of correspondence. We review email records periodically and delete data that is no longer required. Technical data collected through analytics tools is retained in accordance with the retention periods set by those tools, which are described in our Cookie Policy. We do not retain personal data for longer than is necessary for the purposes described in this policy.

6. Sharing of Personal Data

We do not sell personal data. We do not share personal data with third parties for their own marketing purposes. We may share data with service providers who assist us in operating this website — including hosting providers and analytics platforms — but only to the extent necessary and under appropriate data processing agreements. Where those providers are located outside the European Economic Area, we ensure that adequate safeguards are in place in accordance with GDPR Chapter V, including reliance on the European Commission's Standard Contractual Clauses where applicable.

We may disclose personal data if required to do so by law, by court order, or by a competent regulatory authority in Ireland or the European Union.

7. Your Rights Under GDPR

You have the following rights in relation to your personal data: the right to access data we hold about you (Article 15); the right to rectification of inaccurate data (Article 16); the right to erasure in certain circumstances (Article 17); the right to restriction of processing in certain circumstances (Article 18); the right to data portability where processing is based on consent or contract and carried out by automated means (Article 20); and the right to object to processing based on legitimate interests (Article 21). Where processing is based on consent, you have the right to withdraw that consent at any time without affecting the lawfulness of processing prior to withdrawal.

To exercise any of these rights, please contact us at [email protected]. We will respond within one calendar month of receiving your request. If you are not satisfied with our response, you have the right to lodge a complaint with the Data Protection Commission of Ireland, which is the supervisory authority for data protection in Ireland. The Data Protection Commission can be reached at www.dataprotection.ie.

8. Cookies and Similar Technologies

This website uses cookies. Detailed information about the cookies we use, their purposes, and how to manage your preferences is provided in our Cookie Policy, which is available at cookies.html. Our cookie consent mechanism allows you to accept or decline non-essential cookies. Strictly necessary cookies, which are required for the website to function, are set without requiring consent under the ePrivacy Regulations.

9. Children's Privacy

This website is not directed at children under the age of 16, and we do not knowingly collect personal data from children. If you believe that a child under 16 has submitted personal data to us, please contact us immediately and we will take appropriate steps to remove that data.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or in applicable law. When we do, we will update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically. Continued use of the website following any changes constitutes acceptance of the updated policy.