Effective date: 25/03/2025

Privacy Policy of REF Solutions

1. Introduction

REF Solutions (the "Company") values the privacy of its users and is committed to protecting personal information collected through its website, [Insert Website URL] (the "Site"). This privacy policy outlines how information is collected, used, and safeguarded when you visit the Site and use our services.

2. Information collection & usage

2.1 Non-personal information

• The Site may collect non-personal information such as browser type, operating system, and IP address to improve user experience.

2.2 Personal information

• Users may voluntarily provide personally identifiable information ("PII") such as name, email, phone number, and mailing address through contact forms, newsletters, downloads, or surveys.

• This information is used for legitimate business purposes, including service improvements, communication, and promotional offers.

• PII is not sold or leased to third parties. It may be shared with business partners only to further business interests, with user consent.

2.3 Financial transactions

• The Company does not store credit card details beyond what is necessary to complete a transaction, except as required by law or authorized by the user.

3. Disclosure of information

• REF Solutions may disclose user data when legally required, to protect its rights, or to prevent fraud and security risks.

• Information may be shared in response to government requests, including national security or law enforcement requirements.

4. Children’s privacy (Under 16 years old)

• The Company does not knowingly collect PII from children under 16. If such information is discovered, it will be promptly deleted.

• Users under 16 should not submit any personal data to the Site.

5. Use of cookies

• The Site uses cookies to enhance user experience by saving preferences and login details.

• Cookies are not used to transmit PII to external parties.

• Users can disable cookies in browser settings, though some site functionalities may be affected.

6. Data security measures

• The Company implements administrative, physical, and technical safeguards to protect user data from unauthorized access, loss, or misuse.

• Despite security efforts, data transmission over the internet cannot be guaranteed 100% secure. Users share data at their own risk.

7. Third-party links & responsibilities

• The Site may contain links to third-party websites. REF Solutions is not responsible for their privacy practices and users should review those policies separately.

• Users are responsible for personal data shared on public forums or bulletin boards.

8. User rights & control over information

• Users may opt-out of marketing communications at any time.

• Users may request access, correction, or deletion of their personal data by contacting [Insert Contact Email].

• EU residents may have additional rights under GDPR and can file complaints about data handling.

9. Transfer of data across borders

• The Site may operate on servers in different jurisdictions. When accessing the Site, user data may be transferred internationally with appropriate data protection safeguards.

10. Updates to the Privacy Policy

• This Privacy Policy may be updated periodically. Users should review this page regularly for any changes.

• Continued use of the Site after modifications constitutes acceptance of the updated terms.

11. Contact information for privacy concerns

For any inquiries, complaints, or requests regarding privacy, please contact:

Via Email: hamipartners@gmail.com
Via Mail: [Insert Company Address]

By using this Site, you acknowledge and agree to the terms of this Privacy Policy. If you do not agree, please refrain from using the Site.