Privacy Policy

1. Introduction

Welcome to thefutureofmoney.ai. We are committed to protecting your personal data and respecting your privacy in accordance with the General Data Protection Regulation (GDPR), Regulation (EU) 2016/679, and applicable Slovenian data protection legislation.

This Privacy Policy explains how we collect, use, store, and protect your personal data when you visit our website at www.thefutureofmoney.ai or interact with our services. Please read this policy carefully to understand our practices regarding your personal data.

By using our website, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with the practices described herein, please refrain from using our website.

2. Data Controller

The data controller responsible for processing your personal data is:

• Business name: Andrej Sekirnik s.p. (operating as thefutureofmoney.ai)
• Address: Prvomajska ulica 35, 3250 Rogaska Slatina, Slovenia
• Email: office@thefutureofmoney.ai

thefutureofmoney.ai operates as an independent partner of the Aurum Foundation. The Aurum Foundation is a separate entity and maintains its own privacy practices. This Privacy Policy applies solely to data processed by thefutureofmoney.ai.

3. What Data We Collect

We may collect and process the following categories of personal data:

3.1 Information You Provide Directly

• Contact information: Your name, email address, phone number, or any other details you voluntarily provide when contacting us via email or WhatsApp.
• Correspondence data: The content of messages and communications you send to us.

3.2 Information Collected Automatically

• Usage data: Pages visited, time spent on pages, click patterns, referring URLs, and navigation paths through our website.
• Device and browser data: IP address, browser type and version, operating system, screen resolution, device type, and language preferences.
• Cookie data: Information stored and retrieved through cookies and similar technologies (see Section 6 below).

3.3 Information From Third Parties

We may receive limited technical data from third-party services integrated into our website, such as Google Fonts servers (font delivery data) and WhatsApp (when you initiate communication through the WhatsApp widget).

4. How We Use Your Data

We process your personal data for the following purposes:

• Communication: To respond to your inquiries and provide you with information about our services as an independent Aurum Foundation partner.
• Website operation: To ensure the proper functioning, security, and performance of our website.
• Analytics and improvement: To understand how visitors use our website so we can improve its content, structure, and user experience.
• Preference management: To remember your preferences such as dark/light theme settings and cookie consent choices.
• Legal compliance: To comply with applicable legal obligations under Slovenian and European Union law.

5. Legal Basis for Processing

Under the GDPR, we process your personal data based on one or more of the following legal grounds:

• Consent (Article 6(1)(a) GDPR): When you have given clear, affirmative consent for us to process your personal data for specific purposes, such as accepting cookies or voluntarily contacting us. You may withdraw your consent at any time without affecting the lawfulness of processing carried out before withdrawal.
• Legitimate interest (Article 6(1)(f) GDPR): When processing is necessary for our legitimate interests, such as improving our website, ensuring security, and conducting analytics, provided that these interests are not overridden by your rights and freedoms.
• Contract performance (Article 6(1)(b) GDPR): When processing is necessary for the performance of a contract with you or to take steps at your request prior to entering into a contract.
• Legal obligation (Article 6(1)(c) GDPR): When processing is necessary to comply with a legal obligation to which we are subject under Slovenian or EU law.

6. Cookies and Tracking Technologies

Our website uses cookies and similar local storage technologies to enhance your browsing experience.

6.1 What Are Cookies

Cookies are small text files stored on your device when you visit a website. They allow the website to remember your actions and preferences over a period of time, so you do not have to re-enter them each time you return to the site.

6.2 Cookies We Use

• Cookie consent preference (cookie_consent): Stores your acceptance or rejection of cookies. This is a strictly necessary cookie for managing your privacy preferences. Stored in localStorage.
• Theme preference (theme): Stores your selected visual theme (light or dark mode). This is a functional cookie that improves your experience. Stored in localStorage.

6.3 Managing Cookies

When you first visit our website, a cookie banner will ask for your consent. You may accept or decline non-essential cookies. You can also manage cookies through your browser settings at any time. Please note that disabling certain cookies may affect the functionality of the website.

To clear localStorage data used by our website, you can use your browser's developer tools or clear your browsing data through your browser settings.

7. Third-Party Services

Our website integrates the following third-party services, each of which may process limited personal data:

7.1 Google Fonts

We use Google Fonts to deliver web fonts for consistent typography across our website. When you visit our site, your browser connects to Google's servers to download font files. This may transmit your IP address and browser information to Google LLC (USA). Google's privacy policy is available at policies.google.com/privacy. Data transfers to the United States are covered by appropriate safeguards in accordance with GDPR requirements.

7.2 WhatsApp

Our website contains a link to contact us via WhatsApp, a service provided by Meta Platforms, Inc. When you choose to contact us through WhatsApp, your communication is governed by WhatsApp's own privacy policy, available at whatsapp.com/legal/privacy-policy. We only process the messages and contact information you voluntarily share with us through this channel.

8. Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected:

• Contact and correspondence data: Retained for the duration of our business relationship and for up to 5 years thereafter to comply with legal record-keeping obligations under Slovenian law.
• Cookie and preference data: Stored locally on your device until you clear your browser data or localStorage.
• Usage and analytics data: Retained in anonymised or aggregated form for up to 26 months.

When personal data is no longer required, we will securely delete or anonymise it in accordance with our data retention procedures.

9. Your Rights Under the GDPR

As a data subject, you have the following rights under the GDPR. You may exercise these rights at any time by contacting us at office@thefutureofmoney.ai:

• Right of access (Article 15): You have the right to request a copy of the personal data we hold about you and to receive information about how it is processed.
• Right to rectification (Article 16): You have the right to request correction of inaccurate or incomplete personal data.
• Right to erasure (Article 17): You have the right to request deletion of your personal data when it is no longer necessary for the purposes for which it was collected, or when you withdraw consent.
• Right to restriction of processing (Article 18): You have the right to request that we limit the processing of your personal data under certain circumstances, such as when you contest the accuracy of the data.
• Right to data portability (Article 20): You have the right to receive your personal data in a structured, commonly used, and machine-readable format, and to transmit it to another data controller.
• Right to object (Article 21): You have the right to object to the processing of your personal data based on legitimate interests or for direct marketing purposes.
• Right to withdraw consent: Where processing is based on consent, you have the right to withdraw your consent at any time. Withdrawal does not affect the lawfulness of processing carried out before the withdrawal.
• Right to lodge a complaint: If you believe that your data protection rights have been violated, you have the right to lodge a complaint with the Information Commissioner of the Republic of Slovenia (Informacijski pooblascenec), Dunajska cesta 22, 1000 Ljubljana, Slovenia.

We will respond to all legitimate requests within one month. In certain circumstances, we may extend this period by a further two months if the request is complex or if we receive a large number of requests. We will inform you of any such extension within one month of receiving your request.

10. Data Security

We take appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. These measures include:

• Use of HTTPS/TLS encryption for all data transmitted between your browser and our website.
• Regular review and updating of our security practices.
• Limiting access to personal data to only those who require it for legitimate business purposes.
• Secure storage of any personal data received through communications.

While we strive to protect your personal data, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security, but we are committed to maintaining the highest reasonable standard of data protection.

11. International Data Transfers

Some of the third-party services we use (such as Google Fonts) may involve the transfer of data outside the European Economic Area (EEA). Where such transfers occur, we ensure that appropriate safeguards are in place, including Standard Contractual Clauses approved by the European Commission or adequacy decisions, to guarantee that your personal data receives a level of protection consistent with the GDPR.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or the services we offer. When we make material changes, we will update the "Last updated" date at the top of this page.

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your personal data. Continued use of our website after any changes to this policy constitutes your acknowledgement of those changes.

13. Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or the processing of your personal data, please contact us:

• Email: office@thefutureofmoney.ai
• Address: Andrej Sekirnik s.p., Prvomajska ulica 35, 3250 Rogaska Slatina, Slovenia

We will make every effort to respond to your inquiry promptly and within the timeframes required by applicable data protection law.