Privacy Policy

Effective Date: June 2025

1. Overview
This Privacy Policy explains how Monti Technology GmbH ("we", "us", "our") collects, uses, and protects your personal data when you use the MoneyIQ24 website.

2. Controller
Monti Technology GmbH
Speditionstr. 15a, 40221 Düsseldorf, Germany
Email: hello@moneyiq24.com

3. Data Collection
We may collect the following personal data:

• Name and email address
• Test responses and score results
• Payment details (if premium features are purchased)
• Technical data like IP address, browser type, device information

4. Use of Data
We process your data to:

• Provide test results and premium features
• Send notifications or service emails
• Improve our educational tools
• Ensure data security and integrity

5. Legal Basis
Our processing is based on your consent (Art. 6(1)(a) GDPR), contract performance (Art. 6(1)(b)), and legitimate interest (Art. 6(1)(f)).

6. Data Retention
We retain your data only as long as necessary for the purposes stated, unless legal obligations require longer storage.

7. Third Party Services
We may use GDPR-compliant processors for hosting, analytics, and payment (e.g., Stripe). No personal data is sold or shared without legal basis.

8. Your Rights
You have the right to access, correct, erase, or restrict your data. You may also object to processing or request data portability. Contact us at hello@moneyiq24.com to exercise your rights.

9. Cookies
We use essential cookies. You can manage preferences via your browser. A full cookie policy is available on request.

10. International Access
This service is provided from Germany and subject to EU GDPR. Users accessing from outside the EU do so under their own jurisdiction.

11. Contact
For questions about this Privacy Policy or your data rights, contact:
Monti Technology GmbH
Speditionstr. 15a, 40221 Düsseldorf, Germany
Email: hello@moneyiq24.com

12. Updates
We may update this Privacy Policy periodically. The latest version is always available on this page.