Privacy Policy

Who is responsible for your personal data?

Kredavario (referred to as "we", "us", or "our"), operating through the domain kredavario.com, is the data controller responsible for the personal information collected through this website. Our registered address is Room 118, Av. P.º de la Reforma 305, Ciudad de México, Mexico. You may contact us regarding privacy matters at info@kredavario.com or by telephone at +52 55 5080 2000.

This Privacy Policy is issued in compliance with the Federal Law on Protection of Personal Data Held by Private Parties (Ley Federal de Protección de Datos Personales en Posesión de los Particulares, "LFPDPPP"), published in the Diario Oficial de la Federación on 5 July 2010, and its Regulations. It also aligns with the guidelines issued by the Instituto Nacional de Transparencia, Acceso a la Información y Protección de Datos Personales (INAI).

What personal information do we collect?

We collect personal information only when you voluntarily provide it through the contact form on this website. The categories of personal data we may collect include:

• Name (optional, as provided by you)
• Email address
• The content of messages you send through the contact form
• Technical information collected automatically, including IP address, browser type, operating system, pages visited, and time and date of visits (via cookies and similar technologies)

We do not collect sensitive personal data (datos personales sensibles) as defined under Article 3, Section VI of the LFPDPPP, such as health information, biometric data, racial or ethnic origin, political opinions, religious beliefs, or financial account details, through this website.

For what purposes do we use your personal data?

Your personal data is used for the following primary purposes (finalidades primarias), which are necessary for the services you request:

• To respond to inquiries submitted through the contact form
• To provide information about our domestic economic consulting services
• To schedule and coordinate consultations when requested
• To maintain communication related to a consulting engagement

We may also use your data for the following secondary purposes, subject to your consent:

• To send informational communications about our services
• To improve the content and usability of this website through aggregate analytics

If you do not wish your data to be used for secondary purposes, you may indicate this by contacting us at info@kredavario.com. Opting out of secondary purposes will not affect our ability to respond to your primary inquiry.

On what legal basis do we process your data?

Under the LFPDPPP, we process your personal data on the following legal bases:

• Consent: When you submit the contact form and check the privacy acceptance box, you provide your consent to the processing of your data for the purposes described in this Policy.
• Contractual necessity: When a consulting engagement is initiated, processing your contact information is necessary to fulfill the service.
• Legitimate interest: We process technical data collected through cookies to maintain website security and improve user experience, in ways that do not override your rights and interests.

Do we share your personal data with third parties?

We do not sell, rent, or trade your personal data. We may share your data with third parties only in the following limited circumstances:

• Service providers: We may engage trusted third-party companies to assist with website hosting, email delivery, or analytics. These providers are contractually bound to use your data only as directed by us and in accordance with applicable law.
• Legal obligation: We may disclose your data when required to do so by applicable Mexican law, court order, or governmental authority.
• Protection of rights: We may disclose information when necessary to protect the rights, property, or safety of Kredavario, our clients, or others.

Any transfers of personal data to third parties that constitute a "transferencia" under Article 36 of the LFPDPPP will be conducted only with your prior consent, except where an exception applies under Article 37 of that law.

How long do we retain your personal data?

We retain personal data only for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable law. Contact form submissions are retained for a period of up to 24 months from the date of submission, unless a consulting engagement is initiated, in which case data related to that engagement may be retained for up to 5 years in accordance with applicable record-keeping requirements. Technical data collected through cookies is retained for the periods described in our Cookie Policy.

Once the retention period expires, personal data is securely deleted or anonymized.

What are your rights (Derechos ARCO)?

Under the LFPDPPP, you have the following rights with respect to your personal data, collectively known as "Derechos ARCO":

• Access (Acceso): You have the right to know what personal data we hold about you and how it is being used.
• Rectification (Rectificación): You have the right to request correction of inaccurate or incomplete personal data.
• Cancellation (Cancelación): You have the right to request the deletion of your personal data when it is no longer necessary for the purposes for which it was collected, subject to legal retention obligations.
• Opposition (Oposición): You have the right to object to the processing of your personal data for specific purposes, including secondary purposes.

To exercise any of these rights, please submit a written request to info@kredavario.com including: your full name, a description of the right you wish to exercise, and a copy of a valid identification document. We will respond within 20 business days as required by the LFPDPPP.

You also have the right to revoke your consent to the processing of your personal data at any time, without retroactive effect, by contacting us at the address above.

How do we protect your personal data?

We implement appropriate technical and organizational security measures to protect your personal data against unauthorized access, disclosure, alteration, or destruction. These measures include secure server configurations, encrypted communications via HTTPS, and access controls limiting who within our organization can access personal data.

While we take reasonable steps to protect your information, no method of transmission over the internet is entirely secure. We encourage you to use caution when sharing personal information online.

How do we use cookies?

This website uses cookies and similar tracking technologies to improve functionality and analyze usage. For detailed information about the types of cookies we use, how they work, and how you can manage your preferences, please see our Cookie Policy.

How will we notify you of changes to this Policy?

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. When we make material 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 this website after any changes constitutes your acknowledgment of the updated Policy.

How can you contact us or file a complaint?

For questions, requests, or concerns about this Privacy Policy or the handling of your personal data, please contact us at:

• Email: info@kredavario.com
• Phone: +52 55 5080 2000
• Address: Room 118, Av. P.º de la Reforma 305, Ciudad de México, Mexico

If you believe your data protection rights have not been adequately addressed, you have the right to file a complaint with the Instituto Nacional de Transparencia, Acceso a la Información y Protección de Datos Personales (INAI), the supervisory authority for data protection in Mexico, at www.inai.org.mx.