Privacy Policy

1. Who We Are

Pensionarium ("we", "us", "our") operates the website pensionarium.com. We are an international educational and analytical platform dedicated to pension systems. We are not a commercial organisation and do not sell products or services.

For privacy-related enquiries, contact us at: info@pensionarium.com.

2. Data We Collect

We collect only the minimum data necessary to operate the platform effectively.

2.1 Information You Provide

When you contact us through our contact form, we collect:

Your name and email address
Organisation name (if provided)
The content of your message

2.2 Data Collected Automatically

When you visit our website, we may automatically collect:

IP address (anonymised)
Browser type and version
Pages visited and duration of visit
Referring website
Device type and operating system

This data is collected in aggregate and is not associated with identifiable individuals.

3. How We Use Your Data

We use the data we collect for the following purposes:

To respond to your enquiries and messages
To improve our website content and user experience
To maintain the security and integrity of our systems
To comply with legal obligations

We do not use your data for marketing, profiling, or any commercial purpose.

4. Cookies

We use a small number of essential cookies required for the website to function. We do not use advertising cookies, tracking cookies, or third-party analytics that profile individual users. Please see our Cookie Policy for full details.

We do not sell, rent, or trade your personal data to any third party. We may share data with:

Service providers: Trusted technical partners who host and maintain our website, under strict contractual data processing terms.
Legal authorities: Where we are required to do so by applicable law, court order, or regulatory obligation.

6. Data Retention

We retain personal data only for as long as necessary for the purpose for which it was collected. Contact form submissions are retained for a maximum of 24 months. Anonymised website analytics data may be retained for up to 36 months.

7. Your Rights

Depending on your jurisdiction, you may have the following rights regarding your personal data:

Right of access: To request a copy of the personal data we hold about you.
Right of rectification: To correct inaccurate or incomplete data.
Right of erasure: To request deletion of your personal data.
Right to restrict processing: To limit how we use your data.
Right to data portability: To receive your data in a structured, machine-readable format.
Right to object: To object to certain processing activities.

To exercise any of these rights, please contact us at info@pensionarium.com.

8. Security

We implement appropriate technical and organisational measures to protect your personal data from unauthorised access, disclosure, alteration, or destruction. All data transmitted to and from our website is encrypted using industry-standard TLS/HTTPS protocols.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Significant changes will be communicated prominently on our website. The date at the top of this policy indicates when it was last revised.

10. Contact

For any questions or concerns about this Privacy Policy or how we handle your personal data, please contact us at:

Email: info@pensionarium.com
Website: pensionarium.com

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