Privacy Policy
Last updated: 29, September, 2025
1. Introduction
Emanuel Balsa ("we," "us," or "our") operates www.emanuelbalsa.com (the "Website"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Website and use our services.
Please read this Privacy Policy carefully. If you do not agree with the terms of this Privacy Policy, please do not access the Website.
2. Information We Collect
2.1 Personal Information
We may collect personally identifiable information that you voluntarily provide, including:
Name and email address (newsletter subscriptions)
Contact information (customer support inquiries)
Payment information (course purchases)
Profile information (account creation)
Communication preferences
2.2 Automatically Collected Information
When you visit our Website, we may automatically collect:
IP address and location data
Browser type and version
Operating system information
Referring website addresses
Pages viewed and time spent on pages
Device information and screen resolution
2.3 Cookies and Tracking Technologies
We use cookies and similar tracking technologies to:
Remember your preferences and settings
Analyze Website traffic and user behavior
Provide personalized content and advertisements
Improve Website functionality and user experience
Types of cookies we use:
Essential cookies (necessary for Website operation)
Analytics cookies (Google Analytics, etc.)
Marketing cookies (social media pixels, advertising)
Preference cookies (language, region settings)
Cookie Consent and Control:
By using our Website, you consent to our use of essential cookies necessary for site functionality. For non-essential cookies (analytics, marketing), we will request your explicit consent through a cookie banner on your first visit.
You can withdraw cookie consent at any time by:
- Adjusting your browser settings to block or delete cookies
- Using our cookie preference center [if you implement one]
- Contacting us at happyhelp@emanuelbalsa.com
Note: Blocking essential cookies may prevent certain Website features from functioning properly.
3. How We Use Your Information
3.1 Primary Uses
We use collected information to:
Provide and maintain our services
Process transactions and send confirmations
Send newsletters and educational content
Respond to customer service inquiries
Improve Website functionality and user experience
Analyze usage patterns and trends
3.2 Communication
We will send you marketing communications only if:
- You have explicitly subscribed to our newsletter, OR
- You have purchased a product/service and have not opted out, AND
- You have not subsequently unsubscribed
Types of communications:
- Educational newsletters: Weekly behavioral finance/AI insights
- Course/product announcements: New offerings and updates
- Service announcements: Critical platform updates (cannot opt out)
- Customer support: Responses to your inquiries
Right to Opt-Out:
Every marketing email includes an unsubscribe link. You may also:
- Email happyhelp@emanuelbalsa.com with "UNSUBSCRIBE" in subject
- Adjust preferences in your account settings
- Opt out during account creation
We will process unsubscribe requests within 48 hours.
3.3 Legal Compliance
We may use information to:
Comply with applicable laws and regulations
Respond to legal requests and prevent fraud
Protect our rights and property
Ensure user safety and security
4. Information Sharing and Disclosure
4.1 Third-Party Service Providers
We may share information with trusted third-party service providers who assist us in:
Payment processing (Stripe, PayPal)
Email marketing (ConvertKit, Mailchimp)
Website analytics (Google Analytics)
Customer support tools
Content delivery networks
4.2 Business Transfers
If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
4.3 Legal Requirements
We may disclose information when required by law or to:
Comply with court orders or legal processes
Protect our rights and property
Investigate potential violations
Ensure user and public safety
4.4 Consent-Based Sharing
We will not sell, rent, or share your personal information with third parties for their marketing purposes without your explicit consent.
5. Data Security
5.1 Security Measures
We implement appropriate technical and organizational measures to protect your information, including:
SSL encryption for data transmission
Secure payment processing systems
Regular security audits and updates
Access controls and authentication
Data backup and recovery procedures
5.2 Limitation of Security
While we implement industry-standard security measures, no method of internet transmission or electronic storage is 100% secure. We cannot guarantee absolute security against unauthorized access, hardware/software failure, or other factors beyond our control.
Data Breach Notification:
In the event of a data breach that compromises your personal information, we will:
- Notify affected users within 96 hours of discovering the breach
- Report the breach to relevant data protection authorities as required by law
- Provide details about the nature of the breach and affected data
- Advise on protective measures you should take
- Outline steps we are taking to address the breach
You may report security concerns to: happyhelp@emanuelbalsa.com
6. Your Rights and Choices
6.1 Access and Correction
You have the right to:
Access your personal information we hold
Request correction of inaccurate information
Update your account details and preferences
Request information about our data practices
6.2 Data Portability and Deletion
You may request to:
Export your personal data in a portable format
Delete your personal information (subject to legal requirements)
Restrict processing of your information
Object to certain uses of your data
Data Deletion Exceptions:
We may retain certain information even after deletion request if required for:
- Legal compliance (tax records: 7 years)
- Dispute resolution (transaction records: duration of applicable limitation period)
- Fraud prevention (payment information: as required by financial regulations)
- Enforcing agreements (contract-related data: duration of contract + 3 years)
When we cannot fully delete your data due to legal obligations, we will:
- Restrict processing to only legally required purposes
- Notify you of the specific retention requirement
- Delete the data once the retention period expires
6.3 Communication Preferences
You can:
Unsubscribe from marketing emails using provided links
Update your communication preferences in your account
Contact us to modify your subscription settings
Opt out of non-essential cookies
6.4 GDPR Rights (EU Residents)
If you are located in the European Union, you have additional rights under GDPR, including:
Right to be informed about data processing
Right of access to your personal data
Right to rectification of inaccurate data
Right to erasure ("right to be forgotten")
Right to restrict processing
Right to data portability
Right to object to processing
Rights related to automated decision-making
Right to Lodge a Complaint:
If you believe we have violated your data protection rights, you may:
1. Contact us first: happyhelp@emanuelbalsa.com
We will investigate and respond within 30 days.
2. Lodge a complaint with your supervisory authority:
- Portugal: Comissão Nacional de Proteção de Dados (CNPD)
Website: www.cnpd.pt
Email: geral@cnpd.pt
- EU residents: Contact your local Data Protection Authority
Find your authority: https://edpb.europa.eu/about-edpb/board/members_en
You have the right to lodge a complaint at any time, though we appreciate
the opportunity to address concerns directly first.
7. Children's Privacy
Our Website is not intended for children under 16 years of age. We do not knowingly collect personal information from children under 16. If we become aware that we have collected such information, we will take steps to delete it promptly.
8. International Data Transfers
8.1 Primary Data Location
Your information is primarily processed and stored in [specify: Portugal/EU/USA - you need to clarify this].
8.2 Transfers Outside the EU
If you are in the EU and your data is transferred outside the European Economic Area (EEA), we ensure appropriate safeguards through:
Standard Contractual Clauses (SCCs): EU-approved contracts with service providers
Adequacy Decisions: Transfers only to countries with EU-recognized adequate protection
Privacy Shield (if applicable): For certified US service providers [NOTE: Verify current status]
8.3 Your Rights Regarding Transfers
You may request:
- Information about which countries your data is transferred to
- Copies of safeguards in place for such transfers
- Objection to specific transfers (subject to service impact)
Contact happyhelp@emanuelbalsa.com for transfer-related inquiries.
9. Data Retention
9.1 Retention Periods
We retain personal information for as long as necessary to:
Provide our services to you
Comply with legal obligations
Resolve disputes and enforce agreements
Fulfill legitimate business purposes
9.2 Specific Retention Periods
Account information: Retained while account is active plus 3 years
Transaction records: 7 years for tax and legal compliance
Marketing communications: Until you unsubscribe plus 2 years
Website analytics: 26 months (Google Analytics default)
Data Anonymization:
After retention periods expire, we may anonymize your data (removing all identifiable information) for:
- Statistical analysis and research
- Service improvement and development
- Industry insights and trends
Anonymized data cannot be linked back to you and is not subject to data protection regulations. We may retain anonymized data indefinitely.
If you object to anonymization of your data, you must notify us before the retention period expires.
10. Third-Party Websites
Our Website may contain links to third-party websites. This Privacy Policy does not apply to those websites. We encourage you to review the privacy policies of any third-party websites you visit.
11. Updates to This Privacy Policy
11.1 Change Notification
We reserve the right to modify this Privacy Policy at any time. When we make changes:
Minor changes: Updated effective date only
Material changes:
- Email notification to active subscribers (30 days advance notice)
- Prominent banner on Website
- Summary of key changes provided
11.2 Version History
Previous versions: [Link to archive or state "Available upon request at happyhelp@emanuelbalsa.com"]
Current version: 29th September, 2025
11.3 Continued Use
Your continued use of our services after changes become effective constitutes
acceptance of the revised Privacy Policy. If you do not agree to changes,
you must discontinue use and may request account deletion.
12. Contact Information
12.1 Data Controller
Emanuel Balsa is the data controller for your personal information collected through this Website.
12.2 Contact Details
If you have questions about this Privacy Policy or our data practices, please contact us:
Email: happyhelp@emanuelbalsa.com
Website: www.emanuelbalsa.com
12.3 Supervisory Authority
Portugal (Primary Authority):
Comissão Nacional de Proteção de Dados (CNPD)
Address: Av. D. Carlos I, 134, 1º, 1200-651 Lisboa, Portugal
Phone: +351 213 928 400
Email: geral@cnpd.pt
Website: www.cnpd.pt
Other EU Residents:
You have the right to lodge a complaint with the supervisory authority
in your country of residence, place of work, or place of alleged infringement.
Dispute Resolution Process:
1. Internal resolution: Contact happyhelp@emanuelbalsa.com (response within 30 days)
2. Supervisory authority: File complaint with CNPD or your local authority
3. Judicial remedy: Seek legal redress through courts if unsatisfied with outcomes
We commit to cooperating with supervisory authorities in resolving complaints.