Privacy Policy

Last updated: May 2025

This Privacy Policy describes how Ricardo Fernandes ("I", "we") collects, uses and protects personal data provided through the Your Money Works for You website, in compliance with the General Data Protection Regulation (GDPR — EU Regulation 2016/679).

1. Data controller

Ricardo Fernandes
Contact email: fernandesbricardo@gmail.com

2. Data collected

We only collect data that you voluntarily provide through the site's forms:

Email address — when you request the free Chapter 1
Name (optional) — if included in the form

We do not collect sensitive data, do not use third-party tracking cookies, and do not share your data with any other entities.

3. Purpose of processing

Your data is used exclusively to:

Send you Chapter 1 of the book as a PDF
Send occasional communications about the book (updates, promotions, related content)

We will never sell, rent or share your email with third parties for commercial purposes.

4. Legal basis

The processing of your data is based on your explicit consent (Art. 6(1)(a) GDPR), given by ticking the checkbox on the form. You may withdraw this consent at any time.

5. Retention period

Your data is retained for as long as you remain subscribed. After unsubscribing, your data will be deleted within 30 days.

6. Your rights

Under the GDPR, you have the right to:

Access — know what data we hold about you
Rectification — correct inaccurate data
Erasure — request deletion of your data ("right to be forgotten")
Objection — object to processing at any time
Portability — receive your data in a machine-readable format

To exercise any of these rights, please send an email to fernandesbricardo@gmail.com. We will respond within 30 days.

7. Unsubscribing

Every email we send includes an unsubscribe link in the footer. You may also request removal by emailing us directly. After unsubscribing, you will receive no further communications from us.

8. Data security

Data is stored on our own servers with restricted access. We apply appropriate technical measures to protect your information against unauthorised access.

9. Data transfers

Your data is processed exclusively within the European Union. No transfers to third countries take place.

10. Complaints

If you believe that the processing of your data violates the GDPR, you have the right to lodge a complaint with your local supervisory authority. In Portugal: Comissão Nacional de Proteção de Dados (CNPD) — www.cnpd.pt. In the UK: Information Commissioner's Office (ICO) — ico.org.uk.

11. Changes to this policy

We may update this policy occasionally. The date of last update is always shown at the top. In the event of significant changes, we will notify subscribers by email.