Privacy Policy

Introduction

My Second Option S.A. ("we," "our," or "the Company") respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at mysecondoption.com (the "Site") or use our services.

We encourage you to read this Privacy Policy carefully to understand our policies and practices regarding your information. By accessing or using our Site and services, you acknowledge that you have read and understood this Privacy Policy.

Not Financial Advice Disclaimer

IMPORTANT: The information provided on our website, in our communications, and through our services is for informational and educational purposes only. My Second Option S.A. does not provide financial, investment, legal, or tax advice. Nothing contained on our Site or in our communications should be construed as financial, investment, legal, or tax advice.

All content, materials, information, services, and products available through our Site or services are intended to serve as general information and do not address the circumstances of any particular individual or entity. You should not construe any such information or other material as legal, tax, investment, financial, or other advice. You should consult with a qualified professional for specific advice tailored to your situation.

My Second Option S.A. is not responsible for any investment decisions, damages, or other losses resulting from, or related to, the information, data, analyses, or opinions on our Site or communicated by our representatives. Past performance is not indicative of future results.

Information We Collect

We collect several types of information from and about users of our Site and services, including:

• Personal Data: Personal identifiable information such as your name, email address, telephone number, mailing address, and any other identifier by which you may be contacted online or offline when you provide it to us.
• Financial Information: Information related to transactions you conduct through our services, including payment details, investment interests, and financial goals. This information is collected only as necessary to provide our services and is processed with the highest level of security.
• Usage Data: Information about your interaction with our Site, including IP address, browser type, pages visited, time spent on pages, and other diagnostic data.
• Communication Data: Includes any communication that you send to us, whether through contact forms, emails, or other channels.

How We Collect Information

We collect information from you when you:

• Register on our Site or request a consultation
• Fill out a form or survey
• Provide feedback or contact us
• Use or view our Site via your browser's cookies
• Engage with our services
• Subscribe to our newsletter or marketing communications

Use of Your Information

We may use the information we collect for various purposes, including:

• Providing, operating, and maintaining our services
• Improving, personalizing, and expanding our services
• Understanding and analyzing how you use our Site
• Developing new products, services, features, and functionality
• Communicating with you about our services, updates, and other information
• Processing transactions and sending related information
• Marketing and advertising purposes with your explicit consent
• Legal compliance and protection against potential fraud

Legal Basis for Processing

We process your personal information based on one or more of the following legal bases:

• Contractual Necessity: Processing is necessary for the performance of a contract to which you are a party or to take steps at your request before entering into a contract.
• Legitimate Interests: Processing is necessary for our legitimate interests, provided those interests are not overridden by your rights and freedoms.
• Legal Obligation: Processing is necessary for compliance with a legal obligation to which we are subject.
• Consent: You have given consent to the processing of your personal data for one or more specific purposes.

Information Sharing and Disclosure

We may share your information in the following circumstances:

• With Service Providers: We may share your information with third-party service providers who perform services on our behalf, such as payment processing, data analysis, email delivery, hosting services, and customer service.
• For Business Transfers: We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
• With Affiliates: We may share your information with our affiliates, in which case we will require those affiliates to honor this Privacy Policy.
• With Your Consent: We may disclose your personal information for any other purpose with your consent.
• For Legal Purposes: We may disclose your information where we are legally required to do so in order to comply with applicable law, governmental requests, judicial proceedings, court orders, or legal processes.

Important: My Second Option S.A. does not sell, rent, or trade your personal information to third parties for their marketing purposes.

Data Retention

We will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy, or to comply with our legal obligations, resolve disputes, and enforce our legal agreements and policies.

We will retain usage data for internal analysis purposes. Usage data is generally retained for a shorter period, except when this data is used to strengthen the security or to improve the functionality of our services, or when we are legally obligated to retain this data for longer periods.

Data Security

The security of your data is important to us. We implement appropriate technical and organizational measures to protect your personal information against unauthorized or unlawful processing, accidental loss, destruction, or damage. However, no method of transmission over the Internet or method of electronic storage is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

Cross-Border Data Transfers

Your information, including personal data, may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.

If you are located outside Panama and choose to provide information to us, please note that we transfer the data, including personal data, to Panama and process it there. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

My Second Option S.A. will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your personal data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our Site and store certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Site.

We use cookies for the following purposes:

• To enable certain functions of the Site
• To provide analytics
• To store your preferences
• To enable advertisements delivery, including behavioral advertising

Analytics

We may use third-party Service Providers to monitor and analyze the use of our Site.

• Google Analytics: Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Site. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network. You can opt-out of Google Analytics by installing the Google Analytics opt-out browser add-on.
• Heap Analytics: Heap is an analytics platform that automatically captures user interactions on our website. This includes clicks, form submissions, page views, and other user behaviors. Heap helps us understand how users navigate our site and improve user experience. The data collected is used exclusively for our internal analytics and is not shared with third parties for marketing purposes.
• Hotjar: We use Hotjar to better understand our users' needs and to optimize this service and experience. Hotjar is a technology service that helps us better understand our users' experience (e.g., how much time they spend on which pages, which links they choose to click, what users do and don't like, etc.) and this enables us to build and maintain our service with user feedback. Hotjar uses cookies and other technologies to collect data on our users' behavior and their devices. This includes a device's IP address (processed during your session and stored in a de-identified form), device screen size, device type (unique device identifiers), browser information, geographic location (country only), and the preferred language used to display our website. Hotjar stores this information on our behalf in a pseudonymized user profile. Hotjar is contractually forbidden to sell any of the data collected on our behalf.

Your Data Protection Rights

Depending on your location, you may have the following data protection rights:

• The right to access, update, or delete the information we have on you
• The right of rectification — the right to have your information corrected if it is inaccurate or incomplete
• The right to object to our processing of your personal data
• The right of restriction — the right to request that we restrict the processing of your personal information
• The right to data portability — the right to be provided with a copy of the information we have on you in a structured, machine-readable format
• The right to withdraw consent at any time where we relied on your consent to process your personal information

To exercise any of these rights, please contact us using the contact information provided below. Please note that we may ask you to verify your identity before responding to such requests.

Children's Privacy

Our services are not intended for use by children under the age of 18 ("Child" or "Children"). We do not knowingly collect personally identifiable information from Children. If you become aware that a Child has provided us with personal data, please contact us. If we become aware that we have collected personal data from Children without verification of parental consent, we take steps to remove that information from our servers.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date at the top of this page. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Governing Law

This Privacy Policy shall be governed by and construed in accordance with the laws of the Republic of Panama, without regard to its conflict of law provisions.

Dispute Resolution

Any disputes arising out of or relating to this Privacy Policy will be subject to the exclusive jurisdiction of the courts located in Panama City, Panama.

Limitation of Liability

To the maximum extent permitted by applicable law, My Second Option S.A. and its officers, directors, employees, agents, affiliates, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the services.

Under no circumstances will My Second Option S.A. be liable for any investment, financial, legal, tax, or other decisions you make based on any information, content, or services provided through our Site or by our representatives. You acknowledge and agree that you are solely responsible for your investment, financial, legal, and tax decisions.

Contact Us

If you have any questions about this Privacy Policy, please contact us:

• By email: [email protected]