Privacy Policy

Moreno Capital is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, store, and protect your personal information when you visit our website morenocapital.co, including our landing pages, surveys, and other services (collectively, the “Services”). By using our Services, you agree to the terms of this Privacy Policy. This policy complies with the Florida Digital Bill of Rights (FDBR), effective July 1, 2024, the Florida Information Protection Act (FIPA), the Florida Privacy Protection Act (FPPA), and other applicable privacy laws.

1. Information We Collect

We collect personal information you provide directly, information collected automatically, and information from third parties. Below are the categories of data we collect:

a. Information You Provide

Contact Information: When you fill out forms on our website or landing pages, such as signing up for a newsletter, requesting information, or participating in a survey, we may collect your name, email address, phone number, company name, or other details you provide.
Survey Data: Through our surveys, we may collect responses containing personal information, such as investment preferences, financial goals, demographic details (e.g., age, income range), or opinions, depending on the survey’s purpose.
Other Submissions: If you contact us via email, contact forms, or other methods, we collect the information you provide, such as your name, email, and message content.

b. Information Collected Automatically

Usage Data: We collect information about your interactions with our Services, including your IP address, browser type, operating system, device identifiers, pages visited, links clicked, and time spent on our website.
Cookies and Tracking Technologies: We use cookies, pixel tags, and similar technologies to enhance your experience, analyze website performance, and deliver personalized content. Cookies may store preferences, track navigation, or monitor ad interactions. For details, see our Cookies Section below.
Analytics Data: Through tools like Google Analytics, we collect anonymized data about how you arrived at our site (e.g., referring websites), your browsing behavior, and device information.

c. Information from Third Parties

We may receive data from third-party services, such as advertising partners or analytics providers, to improve our Services or deliver targeted ads. This may include aggregated demographic or interest-based data.

2. How We Use Your Information

We use the information we collect for the following purposes:

To Provide and Improve Services: To respond to inquiries, process survey responses, deliver requested materials, and enhance website functionality.
Personalization: To tailor content, recommendations, or ads based on your preferences and browsing behavior, such as investment-related content.
Marketing and Communication: To send newsletters, promotional offers, or updates about Moreno Capital’s services (you can opt out at any time via the “unsubscribe” link in emails).
Analytics and Research: To analyze trends, track user behavior, and improve our Services, including understanding survey responses to refine our offerings.
Legal Compliance and Security: To comply with legal obligations, prevent fraud, and protect our website from unauthorized access.

3. How We Share Your Information

We do not sell your personal information, including sensitive personal data or biometric data. However, we may share it in the following cases:

Service Providers: We work with third-party providers (e.g., hosting services, analytics platforms like Google Analytics, or survey tools like SurveyMonkey) to operate our Services. These providers access only the data necessary to perform their functions and are contractually obligated to protect it with appropriate safeguards.
Legal Requirements: We may disclose information if required by law, such as in response to a court order, subpoena, or regulatory request, including compliance with FIPA’s data breach notification requirements.
Business Transfers: If Moreno Capital is involved in a merger, acquisition, or sale, your information may be transferred as part of that transaction, with safeguards to ensure continued protection.
With Your Consent: We may share data for other purposes if you provide explicit consent.

4. Cookies and Tracking Technologies

We use cookies and similar technologies (e.g., pixel tags, web beacons) to enhance your experience and analyze usage. Cookies are small text files stored on your device that help us:

Remember your preferences and login details.
Track website usage for analytics (e.g., via Google Analytics).
Deliver personalized ads or content, such as investment-related offers.

Types of Cookies We Use:

Essential Cookies: Necessary for the website to function, such as maintaining your session.
Analytics Cookies: Help us understand how users interact with our Services.
Advertising Cookies: Enable targeted ads based on your interests.

Managing Cookies:

You can disable cookies through your browser settings, but this may affect website functionality. You also have the right to opt out of targeted advertising by contacting us at privacy@morenocapital.co or using browser tools like the Global Privacy Control (GPC). For more information, see our Cookie Policy (link to a separate cookie policy, if applicable).

5. Data Security

We implement reasonable administrative, technical, and physical measures to protect your information, including:

Encryption (e.g., SSL/TLS) for data transmission.
Firewalls and secure servers to prevent unauthorized access.
Regular security audits and updates.

However, no system is completely secure, and we cannot guarantee absolute protection. You share information at your own risk. In the event of a data breach, we will notify affected users within 72 hours, as required by the Florida Privacy Protection Act (FPPA).

6. Data Retention

We retain personal information only as long as necessary for the purposes outlined in this policy or as required by law. For example:

Survey responses are retained for 12 months to analyze results and improve our services.
Analytics data is typically anonymized and retained indefinitely for trend analysis.
Contact information is kept until you unsubscribe or request deletion.

7. Your Privacy Rights

Under the Florida Digital Bill of Rights (FDBR), you have the following rights regarding your personal data:

Access: Request a copy of the personal data we hold about you.
Correction: Ask us to correct inaccurate data.
Deletion: Request deletion of your data, subject to legal exceptions.
Opt-Out: Opt out of:
- Processing of your personal data for targeted advertising.
- Sale of your personal data (we do not sell personal data).
- Profiling in furtherance of decisions that produce legal or similarly significant effects.
- Collection or processing of sensitive data, including precise geolocation data, or data obtained through voice or facial recognition (we do not collect such data).

To exercise these rights, contact us at contact@morenocapital.co. We will respond within 45 days, as required by the FDBR. You may also submit requests through a secure contact form on our website, if available.

8. International Data Transfers

If you are outside the United States, your data may be transferred to and stored in the U.S., where our servers are located. We ensure appropriate safeguards for cross-border transfers to comply with applicable laws.

9. Children’s Privacy

Our Services are not intended for children under 13. We do not knowingly collect data from children without parental consent. If we learn we have collected such data, we will delete it promptly. Parents or guardians may exercise privacy rights on behalf of their children.

10. Third-Party Links and Services

Our website may contain links to third-party sites or integrate third-party tools (e.g., Google Analytics, social media plugins). We are not responsible for their privacy practices. Please review their policies before sharing information.

11. Microsoft

We partner with Microsoft Clarity and Microsoft Advertising to capture how you use and interact with our website through behavioral metrics, heatmaps, and session replay to improve and market our products/services. Website usage data is captured using first and third-party cookies and other tracking technologies to determine the popularity of products/services and online activity. Additionally, we use this information for site optimization, fraud/security purposes, and advertising. For more information about how Microsoft collects and uses your data, visit the Microsoft Privacy Statement.

12. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in our practices or legal requirements. We will notify you of significant changes via email, website banners, or pop-up notices. The updated policy will be effective upon posting, with the new effective date noted above.

13. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us at:

Email: contact@morenocapital.co
Mailing Address: Moreno Capital, 19505 Biscayne Blvd, Suite 2350, Aventura, Florida, USA
Phone: +1 (754)250-3260

How to Access This Policy: This Privacy Policy is available in our website footer at morenocapital.co, on landing pages, near survey forms, and via a pop-up consent banner. You can request a printed copy by contacting us.