Privacy Policy

1. Scope

This Privacy Policy describes how cecchin.co (referred to as "we," "us," or "our") handles personal information when you communicate with us through email, WhatsApp Business, SMS, phone, or other channels, and how we handle financial account information connected through our internal tools.

For privacy-related inquiries, contact us at hello@cecchin.co.

2. Information we may collect

Depending on the nature of your communication with us, we may receive:

• Contact information you provide (name, phone number, email).
• The content of messages you send to us.
• Records of when and how you contacted us.
• Any information you choose to share with us in the course of our communication.

3. Financial account information (Plaid)

For our own internal financial management and bookkeeping, we connect business and personal financial accounts belonging to our group using Plaid Inc. ("Plaid"). When an account is connected through Plaid, we may receive:

• Account information (account name, type, and masked account numbers).
• Balances and transaction history (dates, amounts, descriptions, categories).
• Identity information associated with the account, where provided by the institution.

We use this financial data only to:

• Perform internal bookkeeping, accounting, and financial reporting for our group.
• Categorize transactions and monitor for anomalies.
• Prepare tax and regulatory filings.

We do not sell financial data, use it for advertising, or share it with third parties except with our service providers (bound by confidentiality), our professional advisors, or as required by law. Credentials for financial institutions are handled by Plaid; we do not receive or store your banking username or password.

Plaid's handling of data is described in the Plaid End User Privacy Policy. To request deletion of financial data we hold, contact hello@cecchin.co.

4. How we use information

We use personal information only for legitimate purposes, including:

• To respond to your inquiries and communications.
• To maintain records of our communications.
• To operate our internal financial management described above.
• To comply with legal and regulatory obligations.

We do not use your personal information for advertising, profiling, or targeted marketing. We do not sell your information.

5. WhatsApp Business communications

We use the WhatsApp Business Platform provided by Meta Platforms, Inc. When you message us on our WhatsApp Business number:

• Message content, your phone number, and your WhatsApp profile name are received by us through Meta's infrastructure.
• We store the content of communications for record-keeping and continuity of service.
• We do not share your WhatsApp messages with third parties except as required by law or as necessary to fulfill the purpose of your communication.
• Meta's own privacy practices apply to the WhatsApp service itself. See WhatsApp's Privacy Policy.

6. How we share information

We share personal information only in limited circumstances:

• With service providers who help us operate, such as Plaid (bound by confidentiality and their own policies).
• When required by law, court order, or lawful authority request.
• With our professional advisors (accountants, attorneys), bound by professional confidentiality.

We do not sell, rent, or trade personal information.

7. Data retention

We retain personal information only for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable law (including tax and accounting record-keeping requirements).

8. Your rights

You have the right to:

• Request a copy of the personal information we hold about you.
• Request correction of inaccurate information.
• Request deletion of your information, subject to our legal obligations.
• Withdraw consent for communications.

To exercise any of these rights, contact us at hello@cecchin.co. We will respond within 30 days.

9. Security

We take reasonable administrative, technical, and physical measures to protect personal information, including encryption of sensitive data and restricted access to financial information. No system is perfectly secure. If you believe your information has been compromised, please contact us at hello@cecchin.co.

10. Children

Our communications are not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently done so, contact us and we will delete it promptly.

11. Changes to this policy

We may update this Privacy Policy from time to time. The "Effective date" at the top indicates the last revision.

12. Contact

For privacy questions or to exercise your rights, contact us at:

Email: hello@cecchin.co
Website: cecchin.co