Last Updated: [June 01, 2026]

Welcome to Norivo Financial Consulting ("Norivo," "we," "our," or "us"). We are committed to protecting your privacy and ensuring that your personal information is handled responsibly and securely.

This Privacy Policy explains how we collect, use, disclose, and protect information when you visit our website, use our services, or communicate with us.

We may collect the following types of information:

Information that identifies you or can reasonably be used to identify you, including:

• Full name 
• Email address 
• Phone number 
• Company name 
• Job title 
• Mailing address 
• Financial information voluntarily provided during consultations 
• Any information submitted through contact forms or inquiries 

When you visit our website, we may automatically collect:

• IP address 
• Browser type and version 
• Device information 
• Operating system 
• Pages visited 
• Date and time of visits 
• Referral sources 
• Website usage data 

We may use cookies, analytics tools, and similar technologies to improve website functionality, analyze usage patterns, and enhance user experience.

We use collected information to:

• Provide financial consulting services 
• Respond to inquiries and requests 
• Schedule consultations 
• Deliver reports, recommendations, and communications 
• Improve our website and services 
• Maintain security and prevent fraud 
• Comply with legal and regulatory obligations 
• Send updates, newsletters, or marketing communications where permitted by law 

Where applicable, we process personal information based on:

• Your consent 
• Performance of a contract 
• Compliance with legal obligations 
• Legitimate business interests 
• Protection of vital interests 

We do not sell, rent, or trade your personal information.

We may share information with:

• Professional advisors and consultants 
• Service providers supporting our operations 
• Technology and hosting providers 
• Regulatory authorities when legally required 
• Law enforcement agencies where required by applicable law 

All third-party providers are expected to maintain appropriate confidentiality and security measures.

We implement reasonable technical, administrative, and organizational safeguards designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure.

However, no method of internet transmission or electronic storage is completely secure, and we cannot guarantee absolute security.

We retain personal information only for as long as necessary to:

• Fulfill the purposes described in this Privacy Policy 
• Provide our services 
• Meet legal, accounting, and regulatory requirements 
• Resolve disputes and enforce agreements 

When information is no longer required, we securely delete or anonymize it.

Depending on your jurisdiction, you may have the right to:

• Access your personal information 
• Correct inaccurate information 
• Request deletion of your information 
• Restrict or object to certain processing activities 
• Withdraw consent where processing is based on consent 
• Request data portability 
• Lodge a complaint with a relevant data protection authority 

To exercise these rights, please contact us using the information provided below.

If you access our website from outside the country where our operations are located, your information may be transferred to, stored, and processed in countries with different data protection laws.

We take reasonable measures to ensure appropriate safeguards are in place for such transfers.

Our website may contain links to third-party websites. We are not responsible for the privacy practices, policies, or content of external websites. We encourage you to review their privacy policies before providing any personal information.

Our services are intended for adults and business professionals. We do not knowingly collect personal information from children under the age of 13 (or the applicable age of consent in your jurisdiction).

If we become aware that information has been collected from a child without appropriate consent, we will take reasonable steps to delete it.

Where permitted by law, we may send marketing and promotional communications regarding our services, industry insights, and company updates.

You may opt out of marketing communications at any time by following the unsubscribe instructions in our emails or contacting us directly.

We may update this Privacy Policy periodically to reflect changes in legal requirements, business operations, or website functionality.

Any updates will be posted on this page with a revised "Last Updated" date.

If you have questions regarding this Privacy Policy or our data practices, please contact us:

Norivo Financial Consulting
Email: [ybarakat@thenorivo.com]

By using our website and services, you acknowledge that you have read and understood this Privacy Policy and agree to the collection and use of information as described herein.