Privacy Policy

Your Privacy Matters to Us

Last Updated: March 15, 2025

At Codexaen, we understand that managing financial stress requires trust—trust in our platform, our methods, and most importantly, how we handle your personal information. This privacy policy explains exactly how we collect, use, protect, and respect your data when you use our financial stress management platform at joingarges.org.

We believe transparency isn't just good practice; it's essential when dealing with sensitive financial and personal information. This document outlines our commitment to protecting your privacy while providing you with effective tools for managing financial stress and building healthier relationships with money.

Information We Collect

Understanding what information we collect helps you make informed decisions about using our platform. We collect several types of information to provide you with personalized financial stress management services and improve your overall experience.

Personal Information

This includes your name, email address, phone number, and mailing address when you create an account or contact us. We also collect demographic information that helps us understand your financial stress patterns better.

Financial Stress Data

Information about your financial stress levels, concerns, goals, and progress through our assessment tools and tracking features. This data helps us provide personalized recommendations and measure your improvement.

Usage Analytics

Data about how you interact with our platform, including pages visited, time spent on different sections, and features used. This helps us improve our services and create better user experiences.

How We Collect Information

Direct Collection: When you register for an account, complete assessments, participate in our learning programs, or contact our support team, you voluntarily provide information that helps us serve you better.
Automatic Collection: Our platform automatically collects certain information through cookies and similar technologies when you visit our website, helping us understand user behavior and improve functionality.
Third-Party Sources: We may receive information from partners or service providers that help us verify your identity or provide additional context for our services, always with appropriate consent and legal basis.

How We Use Your Information

Every piece of information we collect serves a specific purpose in helping you manage financial stress more effectively. We don't collect data just because we can—we collect it because it genuinely improves your experience and outcomes.

Our primary goal is to help you develop healthier relationships with money and reduce financial stress. All data usage supports this mission through personalized recommendations, progress tracking, and platform improvements.

Service Provision: We use your information to provide personalized financial stress management tools, track your progress, and deliver relevant educational content tailored to your specific needs and goals.
Communication: Your contact information helps us send important updates about your account, respond to your questions, and provide customer support when you need assistance with our platform.
Platform Improvement: Usage data helps us identify which features are most helpful, where users might be struggling, and how we can enhance the overall experience for everyone.
Security and Fraud Prevention: We analyze patterns in data usage to identify and prevent unauthorized access, protect against fraudulent activities, and maintain the security of our platform.
Legal Compliance: Sometimes we must use or disclose information to comply with legal obligations, respond to lawful requests from authorities, or protect our rights and the rights of our users.

Data Sharing and Third Parties

We understand that trust is earned through transparency about who has access to your information. We maintain strict policies about data sharing and only work with partners who meet our high standards for privacy and security.

We do not sell your personal information to third parties for marketing purposes. Any sharing of your data is done with specific purposes and appropriate safeguards in place to protect your privacy.

Service Providers: We work with trusted third-party companies that help us operate our platform, such as hosting services, email providers, and analytics tools. These partners are contractually bound to protect your information and use it only for specified purposes.
Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity, but only with the same privacy protections and your continued consent.
Legal Requirements: We may disclose information when required by law, court order, or government regulation, or when we believe disclosure is necessary to protect our rights or the safety of our users.
Aggregated Data: We may share anonymized, aggregated data that cannot identify individual users for research purposes or to help improve financial stress management resources more broadly.

Your Privacy Rights

You have significant control over your personal information and how we use it. These rights aren't just legal requirements—they're fundamental to our commitment to respecting your privacy and maintaining your trust.

Access Your Data

You can request a copy of all personal information we have about you. This includes your account details, assessment results, usage history, and any other data we've collected. We'll provide this information in a clear, understandable format within 30 days of your request.

Correct Inaccuracies

If you notice any incorrect or outdated information in your account, you can update most details directly through your account settings. For information you can't change yourself, contact our support team and we'll make the corrections promptly.

Delete Your Information

You can request deletion of your personal information at any time. We'll remove your data from our active systems within 30 days, though some information may be retained in backups for a limited time or as required by law.

Data Portability

If you want to transfer your information to another service, we can provide your data in a commonly used, machine-readable format. This helps ensure you're never locked into our platform against your wishes.

Opt-Out of Communications

You can unsubscribe from marketing communications at any time using the links in our emails or by updating your preferences in your account settings. You'll still receive essential account-related communications.

Data Security Measures

Protecting your information isn't just about following regulations—it's about maintaining the trust you place in us when sharing sensitive financial and personal details. We implement multiple layers of security to safeguard your data.

Encryption

All data transmission is protected with industry-standard SSL encryption, and sensitive information is encrypted at rest using advanced encryption protocols.

️

Access Controls

Only authorized personnel have access to your information, and access is limited to what's necessary for their specific job functions.

Monitoring

We continuously monitor our systems for suspicious activity and have incident response procedures to address any potential security issues quickly.

Data Retention

We don't keep your information longer than necessary. Our retention periods are based on the type of information, how it's used, and legal requirements. Here's what you can expect:

Account Information: We retain your basic account details and contact information as long as your account is active, plus up to three years after account closure for customer service and legal purposes.
Assessment Data: Your financial stress assessments and progress tracking data are retained for the duration of your account plus two years, allowing you to maintain historical perspective on your improvement.
Usage Analytics: Anonymized usage data may be retained longer for platform improvement purposes, but this information cannot be traced back to individual users.
Communication Records: Customer service interactions and support requests are typically retained for two years to help us improve our service quality and resolve any ongoing issues.

International Data Transfers

While Codexaen operates primarily to serve the Puerto Rico market, our technical infrastructure may involve data processing in different locations. We ensure that any international data transfers maintain the same high standards of privacy protection through appropriate safeguards and legal mechanisms.

Regardless of where your data is processed, it remains subject to the privacy protections outlined in this policy and applicable privacy laws.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your experience and help us understand how our platform is being used. You have control over most cookies through your browser settings, though some are essential for basic functionality.

Essential Cookies: These are necessary for basic website functionality, such as maintaining your login session and remembering your preferences. These cannot be disabled without affecting site functionality.
Analytics Cookies: These help us understand how users interact with our platform so we can make improvements. The information collected is aggregated and anonymous.
Preference Cookies: These remember your choices and settings to provide a more personalized experience when you return to our platform.

Children's Privacy

Our platform is designed for adults dealing with financial stress and is not intended for use by children under 18. We do not knowingly collect personal information from minors. If we become aware that we have collected information from someone under 18, we will delete that information promptly.

Changes to This Policy

Privacy laws and our business practices evolve over time, so we may need to update this policy periodically. When we make changes, we'll notify you through email or a prominent notice on our platform, and we'll always give you time to review the changes before they take effect.

We encourage you to review this privacy policy periodically to stay informed about how we're protecting your information. The "Last Updated" date at the top of this document shows when the most recent changes were made.

Questions About Your Privacy?

We're here to help you understand how your information is protected and to address any concerns you might have.

Email: support@joingarges.org

Phone: +1 787-768-6924

Mail: Avenida Dr. Sánchez Castaño, Villa Carolina 3rd Extensión, Bloque 122, 42-A, Carolina, PR 00986

Your trust is the foundation of our relationship, and protecting your privacy is not just a legal obligation—it's a core value that guides everything we do at Codexaen.