Privacy Policy

Welcome to Livingpaths. We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website focused on utility payment management for large families and practical habits for reducing expenses.

By accessing or using our website, you agree to the terms outlined in this Privacy Policy. If you do not agree with our practices, please do not use our services.

1. Information We Collect

1.1 Personal Information

We may collect personally identifiable information that you voluntarily provide to us when you:

• Register for an account on our website
• Subscribe to our newsletter or email updates
• Contact us through our contact forms or email
• Participate in surveys, contests, or promotions
• Post comments or interact with our content

This information may include your name, email address, phone number, postal address, household size, and utility consumption patterns.

1.2 Automatically Collected Information

When you visit our website, we automatically collect certain information about your device and browsing behavior, including:

• IP address and geographic location
• Browser type and version
• Operating system
• Pages viewed and time spent on pages
• Referring website addresses
• Date and time of visits

2. How We Use Your Information

We use the collected information for various purposes, including:

• Service Delivery: To provide personalized recommendations for managing utility payments and reducing household expenses
• Communication: To send newsletters, updates, and information about money-saving tips relevant to large families
• Improvement: To analyze website usage patterns and improve our content, features, and user experience
• Customer Support: To respond to your inquiries, questions, and provide technical assistance
• Legal Compliance: To comply with applicable laws, regulations, and legal processes
• Security: To protect against fraudulent, unauthorized, or illegal activity

3. Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to enhance your experience on our website. Cookies are small data files stored on your device that help us remember your preferences and understand how you use our site.

Types of Cookies We Use:

• Essential Cookies: Required for the website to function properly
• Analytics Cookies: Help us understand visitor behavior and improve our services
• Functional Cookies: Remember your preferences and settings
• Marketing Cookies: Used to deliver relevant advertisements and track campaign effectiveness

You can control cookie preferences through your browser settings. However, disabling cookies may limit your ability to use certain features of our website.

4. Information Sharing and Disclosure

We respect your privacy and do not sell your personal information to third parties. We may share your information only in the following circumstances:

• Service Providers: With trusted third-party vendors who assist us in operating our website, conducting business, or servicing you
• Legal Requirements: When required by law, court order, or governmental authority
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• Protection of Rights: To protect the rights, property, or safety of Livingpaths, our users, or others
• With Your Consent: When you explicitly authorize us to share your information

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption, secure servers, access controls, and regular security assessments.

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Your Rights and Choices

You have certain rights regarding your personal information:

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information, subject to legal obligations
• Opt-Out: Unsubscribe from marketing communications at any time
• Data Portability: Request a copy of your data in a structured, machine-readable format
• Objection: Object to certain processing activities

To exercise these rights, please contact us using the information provided below.

7. Children's Privacy

Our website is not intended for children under the age of 16. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately so we can take appropriate action.

8. Third-Party Links

Our website may contain links to third-party websites, plugins, and applications. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws. By using our website, you consent to such transfers.

10. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy at any time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of significant changes by posting the updated policy on our website with a new effective date. We encourage you to review this policy periodically.

11. Contact Us

This Privacy Policy was last updated on January 1, 2025. Your continued use of our website after any changes indicates your acceptance of the updated policy.