Privacy Policy

The data controller responsible for your personal data is:

We may collect and process the following categories of personal data:

• Identity data: your name
• Contact data: email address, telephone number, postal address
• Enquiry data: the content of messages you send us via our contact form or by email
• Technical data: IP address, browser type and version, time zone, browser plug-in types, operating system — collected automatically when you visit our website
• Usage data: information about how you use our website

We do not collect any special categories of sensitive personal data (such as health, financial account, or biometric data) unless you voluntarily provide it in a message to us.

We collect personal data through the following means:

• Direct interactions: when you complete our contact form, send us an email, or telephone us
• Automated technologies: cookies and similar tracking technologies when you browse our website (see Section 8)

We use your personal data for the following purposes and on the following legal bases:

We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason that is compatible with the original purpose.

We do not sell, rent, or trade your personal data. We may share your data with:

• NFS Insurance Advisers and Sub Agents Ltd (Cyprus): where you have requested insurance brokerage services, and only with your knowledge and agreement. NFS Insurance Advisers and Sub Agents Ltd is regulated by the Insurance Companies Control Service (ICCS), License No: 5689.
• Service providers: third-party suppliers who assist us in operating our website and delivering our services (e.g. website hosting, email delivery), who are bound by data processing agreements
• Professional advisers: lawyers, accountants, or insurers where necessary
• Regulatory authorities: where required by law or court order

Some of our service providers may be located outside the European Economic Area (EEA). Where we transfer personal data outside the EEA, we ensure appropriate safeguards are in place in accordance with GDPR Chapter V, including Standard Contractual Clauses approved by the European Commission.

We retain personal data only for as long as necessary for the purposes for which it was collected, or as required by law. In general:

• Enquiry and correspondence records: up to 6 years from the date of last contact, in line with Spanish civil limitation periods
• Website technical data: up to 13 months
• Marketing communications (where applicable): until you withdraw consent

Our website uses cookies — small text files placed on your device — to help the site function correctly and to understand how visitors use it. We use the following types of cookies:

• Strictly necessary cookies: essential for the website to operate. These cannot be disabled.
• Analytics cookies: help us understand how visitors interact with our website. These are only set with your consent.

You can manage your cookie preferences at any time through your browser settings. Withdrawing consent for non-essential cookies will not affect the lawfulness of any processing carried out before withdrawal.

Under GDPR, you have the following rights in relation to your personal data:

• Right of access: to obtain a copy of the personal data we hold about you
• Right to rectification: to have inaccurate data corrected
• Right to erasure ("right to be forgotten"): to request deletion of your data in certain circumstances
• Right to restriction of processing: to ask us to limit how we use your data
• Right to data portability: to receive your data in a structured, machine-readable format
• Right to object: to processing based on legitimate interests or for direct marketing
• Right to withdraw consent: at any time, where processing is based on consent

To exercise any of these rights, please contact us at info@myhorizonswealth.com. We will respond within one month. You also have the right to lodge a complaint with the Spanish data protection authority, the Agencia Española de Protección de Datos (AEPD) at www.aepd.es.

We take appropriate technical and organisational measures to protect your personal data against unauthorised access, loss, destruction, or alteration. However, no transmission of data over the internet is completely secure, and we cannot guarantee the security of data transmitted to our website.

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to read their privacy policies before providing any personal data.

We may update this Privacy Policy from time to time. The date at the top of this page indicates when it was last revised. We encourage you to review this policy periodically.

If you have any questions about this Privacy Policy or how we handle your personal data, please contact us: