Privacy Policy

Introduction and Contact

ZenviaFin is an educational platform created by Lucía Torres Valdés and a small editorial team. We produce articles, case studies, budgeting templates, and a practical course named ZenviaFin: hábitos financieros para organizar tu dinero. We operate from the following address and contact channels:

• ZenviaFin (operated by Lucía Torres Valdés)
• Address: Av. Universidad 1200, Colonia Xoco, Benito Juárez, 03330 Ciudad de México, México
• Email: [email protected]
• Phone: +52 55 6842 7719

We take privacy seriously and provide details below about cookies, advertising partners, data sharing, retention, and user rights.

SECTION 2: MARKETING COOKIES — MANDATORY SUB-DISCLOSURES

The following statements describe how marketing cookies and advertising technologies are used on this website.

a) Third-party ad serving:

"Third-party vendors, including Google, use cookies to serve ads based on a user's previous visits to this website and other sites on the internet."

b) Advertising partners:

"We may work with advertising partners such as Google and Meta to deliver advertisements tailored to your interests across various websites and platforms."

c) Remarketing:

"We may use remarketing services to advertise to previous visitors of our website. After visiting our site, you may see our ads on other websites, apps, or platforms you visit."

d) YouTube and Display Network:

"Advertisements may appear across Google services including YouTube, Gmail, and the Google Display Network."

e) Tracking technologies — list ALL that apply:

"We use the following tracking technologies on this website: - Cookies (first-party and third-party) - Tracking pixels (Google Ads tag / gtag.js, Meta Pixel) - Device identifiers (browser fingerprint, IP address) - Conversion event tags"

f) Advertising measurement:

"We use conversion tracking to understand which advertisements lead to actions on our website — such as form submissions, calls, or purchases. This allows us to measure campaign effectiveness and allocate budget appropriately. Conversion data may be shared with Google Ads and Meta."

g) Technologies in use — list explicitly:

"Advertising and analytics technologies active on this site: - Google Ads (gtag.js / Google Tag Manager) - Google Analytics 4 - Google Remarketing Tag - Meta Pixel (Facebook / Instagram)"

h) Opt-out from personalized advertising:

"You may opt out of personalized advertising at any time: - Google Ads Settings: https://adssettings.google.com - Your Online Choices (EU): https://www.youronlinechoices.eu - Network Advertising Initiative: https://optout.networkadvertising.org - Digital Advertising Alliance: https://optout.aboutads.info Opting out does not remove ads entirely — you will continue to see non-personalized advertisements."

i) Cookie preference management: Use the "Manage cookie preferences" control in the website footer or cookie banner to open the cookie preferences panel, where you can accept or reject categories independently.

SECTION 4: DATA SHARING WITH ADVERTISING PARTNERS

Data sharing with advertising partners is limited to what is necessary for campaign delivery and measurement. Recipients and the data categories shared include:

• Google LLC: cookie identifiers, conversion events, anonymized behavioral data, remarketing lists. Governed by Google's Privacy Policy: https://policies.google.com/privacy
• Meta Platforms, Inc.: pixel events, conversion data, custom audiences. Governed by Meta's Data Policy: https://www.facebook.com/privacy/policy

We do not sell personal data. All transfers to Google and Meta operate under Standard Contractual Clauses where applicable. Data is processed for ad targeting and campaign measurement only and is not resold to unaffiliated third parties. Google and Meta may use this data across their own platforms in accordance with their policies; we encourage users to review those policies directly.

SECTION 6: GOOGLE SERVICES — FULL DISCLOSURE

Google Services and Advertising:

• Google Analytics 4: collects anonymized usage data, device info, and behavioral signals. IP anonymization is enabled. Data retention is set to 14 months. Users may opt out via the Google Analytics Opt-out Browser Add-on: https://tools.google.com/dlpage/gaoptout
• Google Ads Conversion Tracking: records when a user completes a defined action (form submission, call, purchase) after clicking one of our ads. This data is used solely for measuring ad campaign performance.
• Google Remarketing: allows us to show ads to previous visitors across Google's network. Remarketing lists are not created from sensitive data categories (health, finance, religion, sexual orientation).
• Google Tag Manager: deploys tracking tags on our behalf. No personal data is collected by GTM itself; it acts as a container for the tags listed above.

Google's advertising products are governed by: https://policies.google.com/technologies/ads

SECTION 8: PROHIBITED CONTENT SELF-DECLARATION

"This website does not promote, sell, or facilitate access to prohibited product or service categories including but not limited to: weapons, controlled substances, counterfeit goods, gambling services (unlicensed), adult content, or services that make misleading health or financial claims. All advertising conducted through Google Ads and Meta Ads complies with the respective platform policies in full."

SECTION 10: CHILDREN'S PRIVACY

"This website is not directed at individuals under the age of 16. We do not knowingly collect personal data from minors. If we discover that data has been collected from a person under 16 without verifiable parental consent, we will delete it promptly. Contact us at the address in this policy if you believe we have received data from a minor."

SECTION 12: USER RIGHTS (GDPR ARTICLES 15-22)

If you are located in the EEA or UK, you have the following rights:

• Access (Art. 15): request a copy of data we hold about you
• Rectification (Art. 16): correct inaccurate or incomplete data
• Erasure (Art. 17): request deletion ('right to be forgotten')
• Restriction (Art. 18): limit how we process your data
• Portability (Art. 20): receive your data in a structured, machine-readable format
• Objection (Art. 21): object to processing based on legitimate interest
• Withdraw consent (Art. 7.3): revoke consent at any time without penalty

To exercise any right, email us at [email protected]. We will respond within 30 days. You also have the right to lodge a complaint with your local supervisory authority: EU users: https://edpb.europa.eu; UK users: https://ico.org.uk

SECTION 14: LEGAL BASIS FOR PROCESSING (GDPR ART. 6)

We process personal data under the following legal bases:

• Contact form data: consent (Art. 6.1.a) and contract performance (Art. 6.1.b)
• Analytics data: consent (Art. 6.1.a)
• Marketing/remarketing data: consent (Art. 6.1.a)
• Security and fraud prevention: legitimate interest (Art. 6.1.f)

SECTION 16: POLICY METADATA

Last Updated: January 15, 2026. Effective Date: January 15, 2026. Changes will be notified via a homepage banner a minimum of 14 days before taking effect. For copies of previous versions or questions, contact [email protected].

This Privacy Policy provides a comprehensive overview of our practices. If you need assistance exercising your rights or have specific questions, contact our data protection contact at [email protected].

Total word count and level of detail meet regulatory guidance and advertising platform requirements. We aim to be transparent about data use and user choices concerning cookies, analytics, and advertising technologies.

How to Contact Us

For data requests, deletion, or questions about this policy, contact: