Privacy Policy

Section 1

Introduction

Negosyo Plans ("we", "us", "our") operates negosyoplans.com. This Privacy Policy explains how we collect, use, and protect your personal information when you visit our website or purchase our products.

By using our website, you agree to the collection and use of information in accordance with this policy. If you do not agree, please discontinue use of our website.

Section 2

Information We Collect

Information You Provide

• Name and email address — collected when you make a purchase (via Stripe or PayMongo), sign up for our newsletter (via Mailchimp), or submit a contact form.
• Country of residence — collected to understand our customer geography and customize content for OFWs.
• Message content — when you contact us via our contact form (processed by Formspree).

Information Collected Automatically

• IP address — collected automatically when you visit our website.
• Browser type and device information — operating system, browser version, screen resolution.
• Pages visited and time on page — via Google Analytics 4.
• Referring URL — the page that linked you to our site.
• Session recordings and heatmaps — via Microsoft Clarity (anonymized).

Payment Information

Section 3

How We Use Your Information

• To process and fulfill your order (via Stripe or PayMongo)
• To send your secure blueprint access link (via our automated delivery system)
• To send marketing emails about new blueprints, promotions, and business tips (only if you have subscribed via Mailchimp — you may unsubscribe at any time)
• To improve our website, product pages, and user experience (via Google Analytics 4 and Microsoft Clarity)
• To provide customer support and respond to your inquiries
• To comply with legal obligations under Philippine law and applicable international regulations

Section 4

Third-Party Services We Use

We use the following third-party services to operate our website and business. Each service has its own privacy policy governing how they handle data:

Section 5

Cookies

Our website uses cookies — small text files placed on your device — to improve your experience and help us understand how visitors use our site.

Types of Cookies We Use

• Strictly Necessary: Required for the website to function (e.g., shopping cart, session management).
• Analytics: Help us understand visitor behaviour (Google Analytics 4, Microsoft Clarity).
• Marketing: Used for advertising measurement and retargeting (Meta Pixel).
• Functional: Remember your preferences (e.g., currency selection, language).

Managing Cookies

You can manage your cookie preferences at any time using our Cookie Settings tool. You may also configure your browser to refuse cookies, though some features of our website may not function correctly if you do.

Open Cookie Settings →

Section 6

Philippine Data Privacy Act (R.A. 10173)

Your Rights as a Data Subject

• Right to be Informed: You have the right to know what personal data we collect and how it is used.
• Right to Access: You may request a copy of your personal data that we hold.
• Right to Correction: You may request correction of inaccurate or incomplete personal data.
• Right to Erasure: You may request deletion of your personal data, subject to our retention obligations.
• Right to Data Portability: You may request your personal data in a structured, machine-readable format.
• Right to Object: You may object to the processing of your personal data for direct marketing purposes.

To exercise any of these rights, email us at privacy@negosyoplans.com. We will respond within 15 business days.

Section 7

GDPR (For EU Customers)

If you are located in the European Union, you have additional rights under the General Data Protection Regulation (GDPR):

• Right to Access: Request a copy of the personal data we hold about you.
• Right to Rectification: Request correction of inaccurate personal data.
• Right to Erasure ("Right to be Forgotten"): Request deletion of your personal data.
• Right to Portability: Receive your data in a portable format.
• Right to Object: Object to processing based on legitimate interests or for direct marketing.
• Right to Restrict Processing: Request that we limit how we use your data in certain circumstances.

Legal Basis for Processing

We process your data based on: (a) your consent (newsletter opt-in), (b) contract performance (order fulfillment), and (c) legitimate interests (website analytics, customer support).

Data Retention (EU)

Email addresses of subscribers are retained until you unsubscribe, plus 30 days for processing. Purchase records are retained for 7 years for tax compliance.

Section 8

Data Security

• SSL/TLS Encryption: All data transmitted between your browser and our website is encrypted using HTTPS.
• Payment Security: All payment data is handled by Stripe and PayMongo, both PCI-DSS Level 1 compliant. We never process or store card or account details.
• Limited Access: Access to personal data is restricted to authorized team members who need it to provide our services.
• Hosting Security: Our website is hosted on Netlify, which maintains enterprise-grade security infrastructure.

While we take reasonable steps to protect your information, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security.

Section 9

Data Retention

• Purchase records: Retained for 7 years to comply with Philippine tax and accounting requirements.
• Email subscribers: Retained until you unsubscribe from our mailing list.
• Analytics data: Retained for 26 months (Google Analytics 4 default setting).
• Contact form submissions: Retained for 12 months, then deleted.
• Session recordings (Clarity): Retained for 30 days.

Section 10

Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have inadvertently collected data from a minor, please contact us at privacy@negosyoplans.com and we will promptly delete the information.

Section 11

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. When we make changes, we will update the "Last Updated" date at the top of this page.

We encourage you to review this policy periodically. Your continued use of our website after changes are posted constitutes acceptance of the updated policy.

Section 12

Contact Us

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