Privacy Policy

1. Data Controller

Lendavatorio, with address at Av. José Vasconcelos 160, Jardines del Campestre, 66263 San Pedro Garza García, Nuevo León, Mexico, is responsible for processing your personal data in accordance with the Federal Law on Protection of Personal Data Held by Private Parties.

2. Personal Data Collected

We collect and process the following categories of personal data when you use our website or communicate with us:

• Identification data: full name, age, nationality
• Contact data: email address, phone number, postal address
• Navigation data: IP address, browser type, pages visited, time spent, cookies
• Voluntarily provided data: inquiries, comments and messages sent through contact forms

3. Processing Purposes

Your personal data will be used for the following necessary purposes:

• Respond to your inquiries, information requests and communications
• Provide educational information about Mexico's Afore pension system
• Improve our informational services and user experience on the website
• Comply with applicable legal and regulatory obligations
• Conduct statistical and trend analysis on the use of our website

Secondary purposes that require your express consent:

• Sending newsletters and educational content about retirement planning
• Sharing information about relevant updates to the Afore system

If you do not want your data to be processed for these secondary purposes, you may indicate this by contacting us.

4. Legal Basis and Consent

The processing of your personal data is based on:

• Your express consent when using our services and accepting this policy
• Fulfillment of contractual obligations when you request information
• Our legitimate interest in providing quality educational information
• Compliance with applicable legal obligations in Mexico

5. Sharing Information with Third Parties

We do not sell, rent or share your personal data with third parties for commercial purposes. We only share information when:

• Required by government or judicial authorities in accordance with law
• Necessary to protect our legal rights
• We contract service providers who act as data processors under strict confidentiality obligations

6. International Transfers

Your personal data may be transferred and processed on servers located outside Mexico. In such cases, we guarantee that these transfers comply with the requirements of Mexican legislation and that the data enjoys adequate protection through contractual clauses or recognized certifications.

7. Retention Period

We retain your personal data for as long as necessary to fulfill the described purposes or as required by applicable law. Contact data will be retained while you maintain active communication with us or for five years from the last contact. Navigation data and cookies are retained in accordance with our Cookie Policy.

8. ARCO Rights

In accordance with the Federal Law on Protection of Personal Data Held by Private Parties, you have the right to:

• Access: know what personal data we have about you and the details of processing
• Rectification: request correction of inaccurate or incomplete data
• Cancellation: request deletion of your data when you consider it is not being processed in accordance with law
• Opposition: object to the processing of your data for specific purposes

To exercise these rights, send a written request to contact@lendavatorio.com including: full name, address, official identification, clear description of the rights you wish to exercise and documents proving your identity.

9. Revocation of Consent

You may revoke your consent to the processing of your data at any time. Revocation will not have retroactive effects. To revoke your consent, use the same means described for exercising ARCO rights. Revocation may prevent us from continuing to provide you with certain informational services.

10. Security Measures

We implement technical, administrative and physical measures to protect your personal data against damage, loss, alteration, destruction, unauthorized use, access or disclosure. These measures include data encryption, access controls, security audits and staff training.

11. Cookies and Tracking Technologies

Our website uses cookies and similar technologies. For detailed information about what cookies we use, their purpose and how to manage them, please see our Cookie Policy.

12. Minors

Our services are not directed to individuals under 18 years of age. We do not intentionally collect personal data from minors without verifiable consent from their parents or legal guardians. If we detect that we have collected data from a minor without authorization, we will delete it immediately.

13. Policy Modifications

We reserve the right to update this Privacy Policy to reflect changes in our practices or applicable legislation. Modifications will take effect upon publication on this website. We recommend reviewing this policy periodically. Substantial changes will be notified by prominent notice on our site.

14. Contact Information

For any questions or clarifications about this Privacy Policy or the processing of your personal data, you may contact us:

• Email: contact@lendavatorio.com
• Phone: +52 81 8363 0094
• Address: Av. José Vasconcelos 160, Jardines del Campestre, 66263 San Pedro Garza García, N.L., Mexico

15. Supervisory Authority

If you believe your rights have been violated, you may file a complaint with the National Institute for Transparency, Access to Information and Protection of Personal Data (INAI), the data protection authority in Mexico.