HDLFINANCES (“us”, “we”, or “our”) operates the website https://hdlfinances.com/ (the “Website”).
Privacy Policy of HDLFINANCES (https://hdlfinances.com/)
Last Updated:  October 17, 2023.

Welcome to HDLFINANCES (https://hdlfinances.com/). We hold the privacy of our site visitors in the highest regard and understand the significance of safeguarding your personal data. This privacy policy underscores our dedication to upholding responsible privacy practices and safeguarding all collected personal information.

The HDLFINANCES (https://hdlfinances.com/) website is owned by the Alphazen Technologies Limited Group, registered under the number: 15434638. Address: 27 Old Gloucester Street, London, United Kingdom, WC1N 3AX.

DATA ACCURACY

At https://hdlfinances.com/, we strive to ensure that all information displayed on our site is accurate, up-to-date, and comprehensive. Our content undergoes regular reviews and is updated as required. However, the ever-evolving nature of the internet means that information can shift swiftly, or may stem from various sources, some of which are beyond our direct control, including third-party content.

While we endeavour to ensure the accuracy of the information, we cannot guarantee that our site’s content is entirely free from errors, omissions, or outdated information. We bear no liability for any loss or damage resulting from reliance on any information provided on our site. Furthermore, while we do not request any monetary value for any action, we make efforts to ensure third-party content is duly validated and free from copyright infringements. Our curation team verifies and ensures that the contents included on the [hdlfinances.com](https://hdlfinances.com/) site are genuinely accurate and reputable.

UPDATES AND AMENDMENTS

We are committed to continually enhancing our users’ experience, and as such, we regularly update our site. This may involve data correction, removal of outdated information, or the introduction of new features. We reserve the right to make these changes at any time, without prior notice.

COMMUNICATION

We value our users’ feedback and are dedicated to delivering an exceptional service. If you come across information you believe to be inaccurate, outdated, or have any objections to the published content, we encourage you to contact us directly. To do so, please email [networknewsinc@gmail.com](mailto:networknewsinc@gmail.com). We will endeavor to investigate and address your concerns promptly.

CHANGES TO TERMS OF USE AND PRIVACY POLICY

These Terms of Use and Privacy Policy may be periodically reviewed and updated. Any changes will take effect immediately upon posting the revised policy on our site. Your continued use of our site following any changes signifies your acceptance of these alterations. We advise you to regularly review this page for any updates.

ENQUIRIES

For any questions or concerns related to these Terms of Use and Privacy Policy, or if you require further information, please do not hesitate to contact us at [networknewsinc@gmail.com](mailto:networknewsinc@gmail.com).

For more details on Terms and Privacy Policy, you can refer to: https://hdlfinances.com/opt-out-preferences/ and also https://hdlfinances.com/privacy-statement-us/

INFORMATION WE COLLECT

At HDLFINANCES (https://hdlfinances.com/), we do not collect personally identifiable or sensitive information such as home address, ID, bank details, credit card numbers or passport. Only data useful for advertisements and personalized advertising. The data we collect is navigation cookies and advertising data. If you think you should report something that happened to us, send us an email.

  • Location Data: We use general location information (like IP) to provide content relevant to your geographical area.
  • Cookies and Browsing Data: We use cookies and collect browsing data to offer a tailored experience, analyze site traffic, and understand user behavior. This information assists us in enhancing our services and the efficacy of our content. Navigational data information, more precisely cookies, this data is only relevant for more precise advertising, we do not sell your data, if you interacted with our form or newsletter you may have provided your name, telephone number and email and this data is only used for targeted advertising. We also provide our contact details for opt-out and also provide additional terms of use, privacy and cookies sessions. We emphasize that we do not request any financial value or money and we also do not request ID information or passport or any other similar document.

At HDLFINANCES (https://hdlfinances.com/), we are deeply committed to adhering to the guidelines set forth by Google, especially those required for the display of advertisements on our platform. We understand the importance of maintaining a secure and trustworthy environment for our users, and that’s why we strictly comply with Google’s policies, ensuring our advertising is transparent, straightforward, and relevant to you.

We do not ask for detailed personal information; we only gather the essential data needed to enhance your experience by providing more accurate and relevant advertisements tailored to your preferences and interests.

We recognize the importance of choice and control when it comes to your personal information. That’s why we’ve dedicated sections on our website where you can accept and delete cookies, which are used to improve your experience on our platform. Furthermore, we provide options for you to contact us to request more information, data deletion, or to express any concerns you may have.

We are always available to assist and ensure the integrity of the information and data shared on https://hdlfinances.com/. Your trust is paramount to us, and we are willing to take the necessary steps to safeguard your privacy and provide you with the peace of mind you deserve.

For more details, we encourage you to visit the following sections on our website:

USE OF COOKIES

Cookies are small text files placed on your device to help the site provide a better user experience. In general, cookies are used to retain user preferences, store information for things like shopping carts, and provide anonymised tracking data to third-party applications like Google Analytics. As mentioned above, we use cookies to optimize site functionality, enhance user experience, and ensure content is pertinent to you.

The cookies on our site are not used to collect identifiable personal information. They are set to remain active for a standard period, after which they automatically expire. If you prefer, you can deactivate cookies by adjusting your browser settings. However, turning off cookies might result in the deactivation of certain features and functionalities of this site.

ADVERTISEMENTS

We employ cookies and other tracking technologies to display pertinent advertisements. These technologies enable us to present ads based on your previous browsing on HDLFINANCES (https://hdlfinances.com/) and other sites you have visited. The data gathered for this purpose is strictly non-personal and allows for anonymous identification. Our advertising partners, such as Google, may utilize cookies and similar tracking technologies to facilitate the delivery of ads based on your interests and previous interactions with the site.

Online behavioral advertising

When you use the Services, we may serve ads based on various factors, such as the content of the page you are visiting, information you provide such as your age or gender, your searches, demographic data, user-generated content, and other information. that you provide to us.

Some of the services and advertisements are delivered or served by third-party companies. These companies place or recognize cookies, pixel tags, web beacons or other technologies to track certain information about website users of our Services. For example, when serving certain advertisements, an advertiser may place or recognize a unique cookie on your browser to collect certain information about your use of the Services. For another example, an advertiser or ad server may also collect your device’s unique identifier while serving an ad. In many cases, this information may be used to show you advertisements on other websites based on your interests.

We have no access to or control over these third parties’ use of cookies or other tracking technologies or how they may be used.

For example, we use Google to serve ads on the Services, which use the Google Doubleclick cookie, and in some cases a unique device identifier, to show you ads based on your visit to our sites and other sites on the Internet. You may opt out of the use of the Google Doubleclick cookie by visiting the Google ad and content network privacy policy.

Please note that the opt-out is cookie-based and will only affect the specific computer and browser on which the opt-out is applied. If you delete cookies from your browser and want to continue opting out of interest-based advertising, you will need to opt out again.

General Commitment:

We are committed to protecting the privacy and security of all our users’ personal information. We do not solicit, collect, or require identifiable personal information from our users during the standard use of our site. The information we collect is limited to non-personal and aggregate data, necessary for the proper operation of the site and for the delivery of relevant advertisements, in partnership with advertising platforms like Google.

Rights of European Union citizens regarding data protection:

The European Union (EU) takes privacy and data protection very seriously, and EU citizens have specific rights regarding their personal data under the General Data Protection Regulation (GDPR). Here are the detailed rights and how you can exercise them:

  • Right of Access: You have the right to know if your personal data is being processed, and if so, to access that data and obtain information on how it is being processed.
  • Right to Rectification: If you believe that your personal data is incorrect or incomplete, you have the right to request that this data be corrected or completed.
  • Right to Erasure (Right to be Forgotten): In certain circumstances, you have the right to request that your personal data be erased. This is applicable if the data is no longer necessary for the purposes for which it was collected, if you withdraw your consent, or if the data has been unlawfully processed, among other reasons.
  • Right to Restriction of Processing: You have the right to request a restriction on the processing of your personal data in certain situations. This may be applicable if you contest the accuracy of the data, if the processing is unlawful, or if the data controller no longer needs the data for processing, but they are required for the declaration, exercise, or defense of a right in a legal proceeding.
  • Right to Data Portability: You have the right to receive the personal data you have provided to a controller in a structured, commonly used, and machine-readable format, and you have the right to transmit that data to another controller without hindrance from the controller to which the personal data was provided.
  • Right to Object: You have the right to object to the processing of your personal data in certain circumstances, for example, for direct marketing purposes.
  • Right not to be subject to automated decisions: You have the right not to be subject to a decision based solely on automated processing, including profiling, which produces legal effects concerning you or similarly significantly affects you.

If you wish to exercise any of these rights, or if you have complaints about how your personal data is being processed, you may contact the data protection authority (DPA) in your country for assistance. Additionally, you always have the right to file a complaint directly with your DPA if you believe that the processing of your personal data infringes the GDPR.

European Union: Privacy Rights in Italy and France

Italy:

In Italy, the protection of personal data is governed by Legislative Decree 196/2003, known as the Personal Data Protection Code, and the European Union’s General Data Protection Regulation (GDPR), which has been integrated into Italian legislation. These laws establish strict guidelines on the collection, storage, use, and sharing of personal data. The fundamental rights of individuals include:

  • Right of Access: Individuals have the right to obtain confirmation as to whether their personal data is being processed and, if so, to access that data and obtain information about its origin, purposes, and categories of data processed, the recipients of the data, and more.
  • Right to Rectification: Data subjects have the right to correct inaccurate information and complete incomplete information about them.
  • Right to Erasure: Also known as the right to be forgotten, it allows individuals to request the deletion of their personal data under certain circumstances.
  • Right to Data Portability: Individuals can request their data in a structured and machine-readable format or ask for the direct transfer of data to another controller.
  • Right to Object: Data subjects have the right to object to the processing of their personal data under certain circumstances, especially for direct marketing purposes.
  • Italy’s Data Protection Authority: The Authority Guarantor for the Protection of Personal Data (Garante per la protezione dei dati personali) is the regulatory body responsible for overseeing the application of data protection laws in Italy.

France:

In France, personal data protection is regulated by the Data Protection Act of 1978, revised in 2018 to incorporate the European Union’s General Data Protection Regulation (GDPR). The GDPR significantly increased companies’ obligations regarding personal data processing. The rights of individuals in France include:

  • Right of Access: Individuals have the right to know if their personal data is being processed and, if so, to access that data.
  • Right to Rectification: Anyone can request that incorrect information about them be corrected.
  • Right to Erasure: Individuals have the right to request the deletion of their personal data, subject to certain conditions.
  • Right to Object and Withdraw Consent: Data subjects can object to the use of their personal data for certain purposes, including direct marketing, and can withdraw consent at any time if processing is based on consent.
  • Right to Restrict Processing: Under certain circumstances, individuals can request that the processing of their personal data be limited.
  • Right to Data Portability: This allows individuals to receive the personal data they provided to a controller in a structured and commonly used format and transmit that data to another controller.

France’s Data Protection Authority: The National Commission for Informatics and Liberties (CNIL) is the data protection authority in France and is responsible for monitoring compliance with data protection regulations and can impose sanctions in case of non-compliance.
Both countries emphasize the importance of informed consent, the security of personal data, and the accountability and transparency of entities processing personal data. Organizations should be aware of these rights when operating in Italy or France and ensure that their data processing practices comply with local and EU laws.

European Union: Privacy Rights in Spain

In Spain, personal data protection is guaranteed by the “Organic Law on Personal Data Protection and guarantee of digital rights” (LOPDGDD), which adapts Spanish legislation to the European Union’s General Data Protection Regulation (GDPR). The LOPDGDD strengthens individuals’ rights, introduces new control and transparency mechanisms in personal data processing, and establishes severe sanctions for violations.

Residents in Spain have the right to access, correct, delete, oppose the processing of their personal data, as well as the right to data portability and to restrict processing, as stipulated by the GDPR. Additionally, the LOPDGDD introduced specific digital rights, such as the right to internet neutrality, the right to digital security, the right to digital education, and the right to rectification on social networks and equivalent services.

Spain’s Data Protection Authority: The authority responsible for data protection in Spain is the “Spanish Agency for Data Protection” (AEPD). Any concerns or complaints related to how your personal data is handled can be forwarded to this entity.

Contacts:

France: The “National Commission for Informatics and Liberties” (CNIL) can be contacted by phone at +3315373 2222 or by email at [decisions@cnil.fr](mailto:decisions@cnil.fr).

Italy: The “Guarantor for the protection of personal data” can be contacted by phone at +3906696771 or by email at [protocollo@gpdp.it](mailto:protocollo@gpdp.it).

Spain: The “Spanish Agency for Data Protection” (AEPD) can be contacted by phone at +34913996200. For more information or to file a complaint, you can visit the official AEPD website.

For more information about your rights under the GDPR, or for assistance with any of the above issues, you can contact the European Commission directly through the following:

Website: [European Commission – Data Protection](https://ec.europa.eu/info/law/law-topic/data-protection/reform/rights-citizens_en)
Phone: Europe Direct at 0080067891011 (free) You can find the contact form on the [European Commission’s website](https://edpb.europa.eu/about-edpb/more-about-edpb/contact-us_en).

Please note that HDLFINANCES (https://hdlfinances.com/) strictly adheres to the GDPR and respects all these rights. We do not collect additional personal information and do not process data from individuals under 13 years of age. If you have any concerns or questions about how your data is being used, please do not hesitate to contact us.

Australia: Privacy and Data Protection Rights

In Australia, privacy and personal data protection are primarily governed by the Privacy Act of 1988 (Privacy Act 1988), which includes the Australian Privacy Principles (APPs). These principles set the foundation for privacy practices for Australian businesses and government agencies, ensuring the protection of personal information. The legislation is complemented by several other laws related to privacy and data security.

Key Aspects of the Privacy Act:

  • Data Collection: Entities covered by the Privacy Act must have fair and transparent data collection practices. The collection of personal information must be done only with consent and for a necessary or legitimate purpose.
  • Use and Disclosure: The use or disclosure of personal information is restricted to the purposes for which the information was collected, unless the individual gives consent for other uses or disclosures, or these are required or permitted by law.
  • Data Integrity: Entities must take reasonable steps to ensure that the personal information they collect, use, or disclose is accurate, up-to-date, and complete.
  • Access and Correction: Individuals have the right to access their personal information and to request correction if they believe the data is incorrect, out-of-date, incomplete, irrelevant, or misleading.
  • Security Measures: Entities must protect the personal information they hold from loss, unauthorized access, use, modification, or disclosure, and against other misuses. Additionally, information that is no longer needed for any purpose must be destroyed or de-identified.
  • Transparency: Organizations must have a clear privacy policy about the management of personal information and must make this policy available to the public.

Notifiable Data Breaches (NDB) scheme:

In 2018, the Privacy Amendment (Notifiable Data Breaches) Act 2017 came into effect, introducing the NDB scheme. This scheme requires agencies and organizations to notify individuals affected by a data breach that is likely to result in serious harm and also report this breach to the Australian Information Commissioner (OAIC).

Data Protection Authority:

The Office of the Australian Information Commissioner (OAIC) is responsible for overseeing privacy and data protection in Australia. The OAIC has the power to investigate privacy complaints, conduct privacy assessments, monitor the NDB scheme, and provide guidance on privacy issues.

Contact:

Phone: +61 1300 363 992
Email: [enquiries@oaic.gov.au](mailto:enquiries@oaic.gov.au)
Website: [https://www.oaic.gov.au](https://www.oaic.gov.au)

Residents in Australia are encouraged to be aware of their privacy rights and to take proactive steps to manage their personal information. If you believe your privacy has been breached, you can make a complaint to the OAIC.

User Rights in Latin America and Brazil

User rights in Latin America and Brazil, especially regarding data protection and online privacy, have been gaining prominence with the implementation of new laws and regulations. I will detail the most relevant aspects of these legislations, focusing on Brazil, which implemented the General Data Protection Law (LGPD), and make general references to Latin America.

Brazil – General Data Protection Law (LGPD):

The LGPD (Law No. 13.709) was sanctioned in September 2020 and has many similarities with the European Union’s GDPR. It was created to protect fundamental rights of freedom and privacy and the free development of the natural person’s personality. Here are some key rights and provisions:

  • Consent: Data collection is only allowed with the user’s explicit consent, who can withdraw this consent at any time.

  • Data Access: Users can request a copy of the data a company holds about them.

  • Data Correction: Users have the right to correct incomplete, inaccurate, or out-of-date data.

  • Data Deletion: Users can request the deletion of data used for purposes they have consented to, after the end of the relationship or when the data is no longer necessary, relevant, or excessive.

  • Data Portability: Users can request their data to be transferred to another service or product provider, following the regulator’s standards.

  • Data Processing Limitation: Users have the right to limit the use of their data, oppose it, or require human review for decisions made solely based on automated processing of personal data affecting their interests.

  • Information: Users have the right to clear and complete information about the collection, use, processing, and storage of their data.

Revocation of Consent: The data subject may revoke their consent at any time, making the future processing of their data illegal.
To ensure compliance and address issues related to the LGPD, the National Data Protection Authority (ANPD) was established, responsible for overseeing, implementing, and applying sanctions in case of non-compliance with the LGPD.

Latin America:

Many countries in Latin America have their own data protection laws, many of them inspired by the EU’s GDPR. For example, Mexico has the Federal Law on Protection of Personal Data, Argentina has the Personal Data Protection Law, and Chile revised its Data Protection Law to align it with international standards.

Common rights in Latin America include, but are not limited to, informed consent for data collection, the right of access, correction, and cancellation of personal data, and the right to object to data processing.

In Brazil, the ANPD can be contacted for complaints and guidance through its official website. In most Latin American countries, there is a data protection authority or similar governmental body responsible for these issues. Users should consult the official website of these authorities for specific information on how to file a complaint or exercise their rights.
The protection of personal data is of utmost importance in many countries in Latin America, and several nations have established specific laws to safeguard these rights. Here are some of the laws and contacts of the authorities in different Latin American countries:

Brazil:
Law: General Data Protection Law (LGPD), Law No. 13,709.
Contact: National Data Protection Authority (ANPD).
Website: [ANPD](https://www.gov.br/anpd/pt-br)
Email: anpd@anpd.gov.br

Colombia:
Law: Law 1581 of 2012 and Decree 1377 of 2013.
Contact: Superintendence of Industry and Commerce (SIC).
Website: [SIC](https://www.sic.gov.co/)
Email: contactenos@sic.gov.co

Argentina:
Law: Personal Data Protection Law, Law No. 25,326.
Contact: Agency for Access to Public Information.
Website: [AAIP](https://www.argentina.gob.ar/aaip)
Email: datospersonales@aaip.gob.ar

Chile:
Law: Law No. 19,628 on the Protection of Private Life.
Contact: Council for Transparency.
Website: [Council for Transparency](https://www.consejotransparencia.cl/)
Email: transparencia@consejotransparencia.cl

Mexico:
Law: Federal Law on the Protection of Personal Data Held by Private Parties (LFPDPPP).
Contact: National Institute of Transparency, Access to Information and Protection of Personal Data (INAI).
Website: [INAI](https://www.inai.org.mx/)
Email: atencion@inai.org.mx

Peru:
Law: Law No. 29733, Personal Data Protection Law.
Contact: National Authority for the Protection of Personal Data.
Website: [ANPDP](http://www.minjus.gob.pe/proteccion-de-datos-personales/)
Email: protecciondedatos@minjus.gob.pe

Uruguay:
Law: Law No. 18,331, Personal Data Protection Law and “Habeas Data” Action.
Contact: Regulatory and Control Unit of Personal Data (URCDP).
Website: [URCDP](https://www.gub.uy/unidad-reguladora-control-datos-personales/)
Email: urcdp@urcdp.gub.uy

Puerto Rico (U.S. Territory):
Law: Puerto Rico Personal Data Protection Act.
Contact: Puerto Rico Department of Consumer Affairs.
Website: [DACO](http://www.daco.pr.gov/)
Email: info@daco.pr.gov

Jamaica:
Law: Personal Data Protection Act, 2020.
Contact: Office of the Information Commissioner.
Website: [OIC](http://www.oic.gov.jm/)
Email: info@oic.gov.jm

Trinidad and Tobago:
Law: Data Protection Act, 2011.
Contact: Ministry of Legal Affairs.
Website: [Ministry of Legal Affairs](http://www.legalaffairs.gov.tt/)
Email: info@legalaffairs.gov.tt

Barbados:
Law: Data Protection Act, 2019.
Contact: Ministry of Legal Affairs.
Website: [Data Protection Commissioner’s Office](http://www.dataprotection.gov.bb/)
Email: info@dataprotection.gov.bb

Bahamas:
Law: Data Protection (Privacy of Personal Information) Act, 2003.
Contact: Data Protection Commission.
Website: [Data Protection Commissioner](http://www.bahamas.gov.bs/dataprotection)
Email: dataprotection@bahamas.gov.bs

Rights of American Citizens on https://hdlfinances.com/:

https://hdlfinances.com/ (“We,” “our site,” or “our service”) recognizes the importance of privacy, security, and data protection for our users, especially those residing in the United States of America. This document highlights the specific rights that American citizens have concerning the use of their personal data, in compliance with applicable federal and state laws, as well as specific guidelines from individual states that have their own privacy legislation. We take privacy policies and their guidelines seriously, specifying and detailing in the course of this privacy term a session that clarifies the rights of American Citizens and residents of California.

We also reserve a page for USA privacy (https://hdlfinances.com/privacy-statement-us/) and a page for cookie preferences (https://hdlfinances.com/opt-out-preferences/).

Rights of American Residents:

Under applicable laws, residents of the United States may have specific rights related to access, correction, deletion, and portability of their personal information. Although we do not collect identifiable personal information, we are committed to ensuring that all users can exercise their privacy rights.

Specific State Guidelines:

In the United States, data privacy laws vary significantly from state to state, and there is no unified federal law regulating data privacy across the country. However, some states have their own data privacy laws, which protect the rights of residents of those states regarding the collection, storage, and use of their personal information:

California: California is often seen as a leader in data privacy laws in the United States. The California Consumer Privacy Act (CCPA) provides consumers with broad rights over their personal data, including the right to know what personal information is collected, the right to refuse the sale of this information, and the right to request the deletion of their personal information.

New York: Although New York does not have a comprehensive data privacy law like the CCPA, it has implemented the Children’s Online Privacy Protection Act, which requires website and online service operators to obtain parental consent before collecting personal information from children under 13.

Illinois: Illinois has the Biometric Information Privacy Act (BIPA), which regulates the collection and storage of biometric information, including fingerprints, retina scans, and facial recognition.

Washington: The state of Washington has proposed the Washington Consumer Privacy Act (WCPA), which resembles the CCPA but has not yet been enacted. If passed, the WCPA will provide consumers with rights similar to those of the CCPA regarding their personal data.

Massachusetts: Massachusetts has the Data Security Law, which requires businesses to implement a comprehensive information security program to protect the personal information of Massachusetts residents.

Virginia: The Virginia Consumer Data Protection Act (CDPA) is similar to the CCPA and gives consumers rights over their personal information, including the right to access, correction, deletion, and portability.

Colorado: The Colorado Consumer Privacy Act (CPA) offers protections similar to those of the CCPA and CDPA, but includes specific requirements about consent for data collection and limitations on how personal data can be used.

Nevada: The Nevada Online Privacy Law allows consumers to opt out of the sale of their personal information by website operators.

We recognize that certain states, such as California (through the California Consumer Privacy Act – CCPA), and others, have specific privacy laws that confer additional rights to their residents. We are mindful of these guidelines and strive to ensure that our service complies with all applicable state laws.

Use of Cookies and Similar Technologies:

We use cookies and related technologies to collect data about the location, device type, and browsing behavior of users, with the primary purpose of providing personalized ads and improving the user experience on our site. These data are collected and used in a way that does not personally identify any user.

By using our site, you acknowledge that you have read and understood this privacy policy and the rights you have as an American resident. We will continue to update this policy as necessary to remain in compliance with all applicable laws and regulations, and to ensure the protection of our users’ data. Changes to this policy will be communicated visibly on our site and, if significant, notified directly to our users.

CALIFORNIA RESIDENTS: YOUR CALIFORNIA PRIVACY RIGHTS

Under the California Consumer Privacy Act of 2018 (“CCPA”), California residents have certain rights regarding the collection, use, and sharing of their personal information by https://hdlfinances.com/.

Right to Know and Access: You have the right to request that we disclose certain information about our collection, use, and disclosure of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:

  • The categories of personal information we collected about you.

  • The categories of sources for the personal information we collected about you.

  • Our business or commercial purpose for collecting or selling that personal information.

  • The categories of third parties with whom we share that personal information.

  • The specific pieces of personal information we collected about you (also called a data portability request).

If we sold or disclosed your personal information for a business purpose, two separate lists disclosing: sales, identifying the personal information categories that each category of recipient purchased; and disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

Right to Delete: You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies. Right to Non-Discrimination: You have the right not to receive discriminatory treatment by us for the exercise of the privacy rights conferred by the CCPA. Right to Opt-Out of the Sale of Personal Information: You have the right to direct us not to sell your personal information.Notice of Financial Incentives: You have the right to be notified of any financial incentives offers for the collection, sale, or deletion of your personal information.

Authorized Agent: You have the right to designate an authorized agent to make a request under the CCPA on your behalf.

To exercise the rights described above, please submit a verifiable consumer request to us by either:

Calling us at +31 97010204498 / Emailing us at networknewsinc@gmail.comOnly you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information.Contact for More Information: If you have any questions or concerns about our privacy policies and practices, you may contact us networknewsinc@gmail.com.

California’s “Shine the Light” Law (Civil Code Section § 1798.83): California residents with an established business relationship with us can request information once a year about sharing their Personal Data with third parties for the third parties’ direct marketing purposes. If you wish to request more information under California’s Shine the Light law and if you are a California resident, you can contact us using the contact information provided below.

California Online Privacy Protection Act (CalOPPA): CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law’s reach stretches well beyond California to require a person or company in the United States (and conceivably the world) that operates websites collecting personally identifiable information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and with whom it is being shared, and to comply with this policy.

Do Not Track Settings (DNT): We honor Do Not Track signals and do not track, plant cookies, or use advertising when a Do Not Track browser mechanism is in place.

Users Under 18: In compliance with the California Online Privacy Protection Act, we prohibit the registration of children under 18 for Services that require the submission of Personal Data. If we discover that the Personal Data of persons under 18 has been collected on https://hdlfinances.com/ without verifiable parental consent, then https://hdlfinances.com/ will take the appropriate steps to delete this information. If you are a parent or guardian and discover that your child under 18 has obtained an account on the Services, then you may alert https://hdlfinances.com/ at networknewsinc@gmail.com and request that https://hdlfinances.com/ delete that child’s personal information from its systems.

Section 1789.3 of the California Civil Code: California users also have the right to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834, or by telephone at (916) 445-1254 or (800) 952-5210 or https://www.dca.ca.gov/about_us/contactus.shtml.

At HDLFINANCES (https://hdlfinances.com/), we take the privacy and data protection of our users very seriously, especially with regard to compliance with applicable laws and regulations, such as the California Consumer Privacy Act (CCPA). The CCPA is a data privacy law that protects the personal information of California residents, providing them with specific rights related to their privacy and data security.

Commitment to the CCPA:

As stipulated by the CCPA, we fully respect consumer rights and provide transparency about data collection, use, and sharing practices. We do not sell our users’ personal information to third parties and have implemented measures to ensure that personal data is collected and used fairly and transparently.

Limitation on Data Collection:

We do not collect additional information beyond what is necessary to fulfill the legitimate purposes of our operations and services. This is in line with the data minimization principle, which is a central pillar of the CCPA and other data privacy laws. By limiting data collection, we minimize the risks associated with data security and increase our users’ trust in our services.

Protection of Minors:

In compliance with the CCPA and the Children’s Online Privacy Protection Act (COPPA), we do not knowingly collect personal data from children under the age of 13. Our website, products, and services are all directed to people who are at least 13 years old. If we become aware that we have collected personal data from a child under the age of 13 without verification of parental consent, we will take steps to remove that information from our systems.

Consumer Rights under the CCPA:

The CCPA provides California consumers with specific rights, which include:

  • The right to know what personal data is collected, used, shared, or sold.

  • The right to delete personal data held by businesses or by third parties with whom the business shares personal data.

  • The right to opt-out of the sale of personal data.

  • The right to non-discrimination in price or service when a consumer exercises a privacy right under the CCPA.

At HDLFINANCES (https://hdlfinances.com/), we are committed to respecting these rights and allowing our users to exercise control over their personal information. If you have questions, concerns, or would like to exercise your rights under the CCPA, please contact us by email:

ALPHAZEN TECHNOLOGIES LIMITED
Address: 27 Old Gloucester Street, WC1N 3AX. London, United Kingdom, WC1N 3AX.
United Kingdom – UK
Website: https://hdlfinances.com/
Phone number: +31 97010204498
Email: networknewsinc@gmail.com

In response to recent changes in privacy legislation, we are constantly updating our practices to ensure a secure and transparent digital environment. We deeply value the privacy of our users and, as such, have expanded our sessions dedicated to the topic.

We invite you to explore specific sessions at each location and to manage your cookie preferences with us:

United States:
https://hdlfinances.com/opt-out-preferences/
https://hdlfinances.com/privacy-statement-us/

United Kingdom:
https://hdlfinances.com/cookie-policy-uk/
https://hdlfinances.com/privacy-statement-uk/

European Economic Area and Switzerland:
https://hdlfinances.com/cookie-policy-eu/
https://hdlfinances.com/privacy-statement-eu/

South Africa:
https://hdlfinances.com/cookie-policy-za/
https://hdlfinances.com/privacy-statement-za/

Canada:
https://hdlfinances.com/cookie-policy-ca/
https://hdlfinances.com/privacy-statement-ca/

Australia:
https://hdlfinances.com/cookie-policy-au/
https://hdlfinances.com/privacy-statement-au/

Brazil:
https://hdlfinances.com/cookie-policy-br/
https://hdlfinances.com/privacy-statement-br/

Browse sessions of our website for more details and learn about privacy policies and terms:

https://hdlfinances.com/terms-and-conditions/
https://hdlfinances.com/imprint/
https://hdlfinances.com/disclaimer/

In our ongoing commitment to transparency and integrity of information, we are pleased that our Privacy Policy is always adapting to changes in the global privacy landscape. Whenever there are significant changes to our Privacy Policy, we will highlight them on our portal so that our readers are always up to date. Please follow our policies section frequently to stay abreast of all updates related to the protection of your data.

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