Privacy Policy

Last updated: 15th January 2026

Introduction

valiusa B.V. ("we", "our", or "us") is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, and protect your personal information when you visit our website valiusa.top or use our personal finance education services.

Data Controller Information

The data controller for your personal information is valiusa B.V., a company registered in the Netherlands with registration number 65478927. Our registered office is located at Beukenlaan 216, 4887 LU Breda, North Brabant, Netherlands.

Data Collection

The data we collect may include the following types of personal information:

• Contact information such as your name, email address, phone number, and postal address
• Information you provide in contact forms, enquiries, or when requesting our services
• Technical information including your IP address, browser type, device information, and website usage data
• Financial information relevant to providing our personal finance education services
• Communication records when you contact us via email, phone, or other channels
• Marketing preferences and consent records

How We Use Your Information

We use your personal information for the following purposes, and our legal basis for processing is indicated in brackets:

• To provide and deliver our personal finance education services (contract performance)
• To respond to your enquiries and provide customer support (legitimate interests)
• To improve our website and services based on your feedback (legitimate interests)
• To send you marketing communications where you have consented (consent)
• To comply with legal obligations and regulatory requirements (legal obligation)
• To protect our business interests and prevent fraud (legitimate interests)

Cookies and Tracking Technologies

We may use cookies and tracking technologies for analytics, advertising, and remarketing purposes, including Google Ads. These technologies help us measure campaign effectiveness, deliver relevant advertisements, and improve our services. You can manage your cookie preferences at any time through our cookie consent banner. For detailed information about our use of cookies, please see our Cookie Policy.

Data Sharing and Disclosure

We may share your personal information with:

• Service providers who assist us in delivering our services (under strict confidentiality agreements)
• Professional advisers such as lawyers, accountants, and consultants
• Regulatory authorities when required by law
• Third parties in connection with a business transfer or acquisition

We do not sell, rent, or trade your personal information to third parties for their marketing purposes.

International Data Transfers

As we operate primarily within the European Union, your data is generally processed within the EU. If we need to transfer your data outside the EU, we will ensure appropriate safeguards are in place, such as adequacy decisions or standard contractual clauses approved by the European Commission.

Data Retention

We retain your personal information for as long as necessary to fulfil the purposes outlined in this Privacy Policy, comply with our legal obligations, resolve disputes, and enforce our agreements. Generally, we retain client information for seven years after the end of our business relationship, in line with financial services regulations. Marketing consent records are kept until you withdraw consent or we determine the consent is no longer valid.

Your Rights

Under the General Data Protection Regulation (GDPR), you have the following rights regarding your personal information:

• Right of access: You can request a copy of the personal information we hold about you
• Right to rectification: You can ask us to correct inaccurate or incomplete information
• Right to erasure: You can request deletion of your personal information in certain circumstances
• Right to restrict processing: You can ask us to limit how we use your information
• Right to data portability: You can request your data in a portable format
• Right to object: You can object to certain types of processing, including direct marketing
• Right to withdraw consent: Where processing is based on consent, you can withdraw it at any time

Data Security

We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. These measures include encryption, secure servers, access controls, and regular security assessments. However, no internet transmission is completely secure, and we cannot guarantee absolute security.

Children's Privacy

Our services are not directed at children under the age of 16. We do not knowingly collect personal information from children under 16. If we become aware that we have collected personal information from a child under 16, we will take steps to delete such information promptly.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by posting the updated policy on our website and updating the "Last updated" date. We encourage you to review this Privacy Policy periodically.

Contact Information

If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us using the following details:

Complaints

If you believe we have not handled your personal information in accordance with this Privacy Policy or applicable data protection laws, you have the right to lodge a complaint with the Dutch Data Protection Authority (Autoriteit Persoonsgegevens) or your local supervisory authority.