Privacy Policy

1. Information We Collect

We collect information that you provide directly when using our educational services, including:

• Identification data: full name, identity document (DNI)
• Contact data: email address, phone number, postal address
• Demographic information: age, gender, geographic location within Peru
• Navigation data: IP address, browser type, pages visited, time spent
• Preferences and inquiries: messages sent through our contact form

2. Use of Information

We use the collected information for the following purposes:

• Provide and improve our educational resources on personal finance
• Respond to your inquiries and information requests
• Personalize your experience on our website
• Send communications related to our educational content (with your consent)
• Comply with legal obligations established by Peruvian regulations
• Perform statistical analysis to improve our services

3. Legal Basis for Processing

The processing of your personal data is carried out in accordance with Law No. 29733, Peru's Personal Data Protection Law, and its Regulations approved by Supreme Decree No. 003-2013-JUS. The legal bases that justify processing include:

• Your express and informed consent
• The execution of the relationship established when using our resources
• Compliance with applicable legal obligations
• Our legitimate interest in improving our educational services

4. Data Sharing

We do not sell, rent, or commercialize your personal information to third parties. We may share your data only in the following circumstances:

• With service providers who assist us in operating the website, under strict confidentiality agreements
• When required by law, court order, or competent Peruvian authority
• To protect our legal rights or the security of our users

5. Data Security

We implement technical, administrative, and physical security measures designed to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include data encryption, restricted access to authorized personnel, and periodic reviews of our security practices.

6. Your Rights

In accordance with Peruvian data protection legislation, you have the right to:

• Access your personal data in our possession
• Rectify inaccurate or incomplete data
• Cancel or delete your data when no longer necessary
• Object to the processing of your data for specific purposes
• Revoke your consent at any time

To exercise these rights, you may contact us at info@mervantez.com or visit our physical address.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, unless the law requires or permits a longer retention period. Criteria for determining the retention period include the nature of the data, the purposes of processing, and applicable legal obligations.

8. International Transfers

If your personal data is transferred to countries outside Peru, we will ensure that such transfer complies with the requirements established in Law No. 29733 and that adequate safeguards are implemented for the protection of your data.

9. Minors

Our services are directed at persons over 18 years of age. We do not intentionally collect personal information from minors. If we discover that we have collected data from a minor without appropriate parental consent, we will take steps to delete such information.

10. Changes to this Policy

We may update this Privacy Policy periodically to reflect changes in our practices or applicable legislation. We will notify you of significant changes by posting the new policy on our website with a revised update date.