Effective Date: January 10th 2024

Top Networks Inc. (“we,” “our,” or “us”) is committed to protecting your personal information. This Privacy Policy describes how we collect, use, and share your data, the security measures we employ, and the rights you have over your personal information. We recommend that you read this policy carefully.

1. Who We Are

Top Networks Inc. operates www.topfinanzas.com (“Platform” or “Site”), a platform for financial information and product recommendations. Our mission is to provide users with tailored content about financial services and products. Top Networks Inc. is incorporated in Panama, and we abide by both international and U.S. regulations to protect your data.

If you have any questions about this Privacy Policy or how we handle your data, please contact us at [[email protected]].

2. Types of Information We Collect

We collect several types of information from and about users of our Site:

Personal Identification Information: Such as name, email address, contact information, date of birth, and government ID, which you provide directly.
Financial Information: Including income, credit status, and employment information, needed for us to tailor financial recommendations.
Device and Browsing Information: IP address, browser type, operating system, device type, and browsing behavior on our Site.
Usage Data: Details about interactions on our Site, including pages visited, links clicked, and other engagement metrics.
Geolocation Data: Location information if you have provided consent through your device settings.

3. How We Collect Information

We collect information in the following ways:

Directly From You: Information you provide when filling out forms, signing up for newsletters, or contacting us.
Automatically Through Technology: We use cookies, web beacons, and other tracking technologies to automatically gather information as you navigate through the Site.
From Third-Party Partners: We may receive information from partners for marketing, legal compliance, and enhanced services.

4. How We Use Your Information

Your data allows us to improve and personalize your experience on our Site. Specifically, we use it to:

Deliver relevant content, recommendations, and services tailored to your interests.
Respond to inquiries, provide support, and communicate with you.
Conduct analytics and improve Site functionality.
Send updates, promotions, and marketing information (only with your consent).
Fulfill legal obligations and protect the security and integrity of our Site.
Offer you products and services that match your preferences and interests.

We share your information only in specific circumstances:

Service Providers: We work with third-party providers for services such as hosting, data analysis, and marketing, who may access your information strictly to provide services on our behalf.
Business Partners: If we collaborate with other companies to offer products or services, we may share your information as necessary.
Legal Compliance: We may disclose your information when required by law, such as in response to a subpoena or to protect our rights.
Business Transfers: In case of a merger, sale, or other business transfer, your data may be transferred to the new entity.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance user experience, analyze usage, and deliver targeted content.

Types of Cookies We Use: These include essential cookies for Site functionality, performance cookies for tracking user behavior, and marketing cookies for personalized advertisements.
Managing Cookies: You can control cookies through your browser settings. However, disabling cookies may limit your experience on the Site.

For more information on our use of cookies, please see our [Cookie Policy].

7. Activity Log / Collected Data

We may record your activities on our Site to create logs (records of activities), which may include your IP address, the pages accessed, actions performed, dates and times of actions, and information about your device, such as operating system version, browser type, and geolocation.

We may also use certain proprietary or third-party technologies to monitor activity on our Site, including:

Cookies: These internet files temporarily store information about your browsing, such as pages visited and preferences, to improve your experience. Top Networks Inc. and third-party partners may use cookies to enhance personalization. You may control cookies in your browser settings, but disabling them may affect your experience.
Web Beacons: These techniques allow us to identify and analyze website visit behaviors across different platforms and devices.
Google AdSense Cookie Dart: We may display ads through Google AdSense. This uses the DART cookie to tailor ads based on user preferences. Users can opt out via Google’s Ad Preferences at http://www.google.com/ads/preferences/.
Analytics Tools: These tools gather details on your browsing patterns, such as page visits, site interactions, and referral sites.

Our goal is to ensure a high-quality, personalized experience for all users, while respecting the boundaries of data privacy laws.

We do not intend to collect information from anyone under the age of 18. If you believe that a minor has provided us with personal information, please contact us, and we will delete it from our records as soon as possible.

8. Data Security Measures

We employ physical, technical, and administrative measures to safeguard your personal information, including:

Encryption: To secure data during transfer and storage.
Access Controls: To restrict access to authorized personnel only.
Regular Audits and Monitoring: To maintain and enhance security practices.

Despite these precautions, no system is entirely foolproof. You acknowledge that transmission of data over the internet is at your own risk.

9. Retention and Deletion of Personal Data

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law. When the data is no longer needed, we securely delete or anonymize it.

10. User Rights

Depending on your location, you may have certain rights regarding your personal information:

Access: Request a copy of your personal data that we hold.
Correction: Request correction of any inaccurate or incomplete information.
Deletion: Request the deletion of your data, subject to certain limitations.
Portability: Request a copy of your data in a commonly used electronic format.
Withdraw Consent: Where processing is based on consent, withdraw that consent at any time.

To exercise these rights, please contact us at [[email protected]].

11. International Data Transfers

Your data may be transferred to and processed in countries other than your own. We take measures to ensure that such transfers comply with applicable privacy laws, including the use of standard contractual clauses when necessary.

12. Privacy of Children

Our Site is not intended for children under the age of 18, and we do not knowingly collect personal information from minors. If we become aware that we have inadvertently collected data from a child, we will promptly delete it.

13. Third-Party Links and Services

Our Site may contain links to third-party websites. This Privacy Policy does not apply to third-party sites. We are not responsible for their privacy practices, and we encourage you to read their privacy policies before providing any personal data.

14. Changes to This Privacy Policy

Top Networks Inc. reserves the right to modify this Privacy Policy at any time. Any updates will be posted on this page with an updated effective date. By continuing to use our Site after changes are made, you agree to the revised Privacy Policy.

15. Contact Information

If you have any questions, comments, or requests regarding this Privacy Policy, please contact us at:

Top Networks Inc.
Email: [email protected]
Address: PANAMA, PANAMA CITY, AV. AQUILINO DE LA GUARDIA, OCEAN BUSINESS PLAZA BUILDING, FLOOR 12

California Privacy Policy

Effective Date: February 10th 2024

Top Networks Inc. (“we,” “us,” “our”) is committed to respecting the privacy rights of our users. This California Privacy Policy contains disclosures required by the California Consumer Privacy Act (“CCPA”) and applies only to “personal information” that is subject to the CCPA. This Privacy Policy supplements our general Privacy Policy, which should be read in conjunction with this document and with the Terms of Use available on www.topfinanzas.com (“Site”). This California Privacy Policy applies specifically to California residents.

If you have questions about this policy or wish to exercise your rights, please contact us at [Insert Contact Email].

A. Personal Information We Collect, Disclose for a Business Purpose, and Sell

We collect and disclose various categories of personal information from California consumers, as shown below. Additionally, we work with third parties, including advertising networks and analytics providers, to collect information about online activities through cookies, web beacons, mobile advertising identifiers, and other tracking technologies. This information is used for cross-context behavioral advertising tailored to your interests and for measuring ad campaign effectiveness. The collection of information by some of these third parties may constitute a “sale” of personal information as defined under the CCPA.

Categories of Personal Information

Category	Examples
Personal and online identifiers	Name, email address, unique online identifiers
Sensitive Personal Information	Social Security number, bank account information
Characteristics of protected classifications	Age, gender
Commercial or transaction information	Financial products or services obtained through us
Internet or other electronic network activity information	Browsing behavior, interactions with our Site
Geolocation information	Location data collected with consent
Professional or employment-related information	Employment history
Education information	Details of academic history
Inferences drawn	Profiles based on personal characteristics and preferences

Categories of Sources

Directly from you: Information you provide directly on our Site.
Third-party sources: At your direction, we may receive credit reports or scores from credit reporting agencies, or access financial data from third-party financial institutions through API mechanisms.
Automated tools: Data collected via cookies, web beacons, and other technologies.

We use and disclose your personal information for both commercial and business purposes, including but not limited to:

Commercial Purposes: Marketing, advertising, fraud prevention, customer support, and fulfilling your requests.
Business Purposes: Audits, legal compliance, detecting and preventing fraud, maintaining and improving the Site, conducting research, and processing payments.

C. Categories of Third Parties to Whom We Disclose Information

We may share your information with:

Service providers
Advertising networks
Analytics providers
Financial institutions and lending partners
Government entities when required by law
Social networks, if applicable to our services

D. Your Rights Regarding Personal Information

As a California resident, you may exercise the following rights:

Right to Know: Request details about the specific pieces of personal information we collect, use, disclose, and, if applicable, sell.
Right to Delete: Request deletion of personal information, subject to certain limitations.
Right to Correct: Request correction of inaccurate personal information we maintain.
Right to Opt Out of Sale or Sharing: Opt out of certain information sharing practices that may constitute a “sale” or “sharing” under the CCPA.
Right to Limit Use of Sensitive Personal Information: Limit the use of sensitive information to only those purposes necessary for providing services.
Right to Data Portability: Request a copy of your personal data to use for your purposes.
Right to Non-Discrimination: Exercise any of the rights listed here without being subject to discriminatory practices.

To the extent that the third-party information collection on our Site constitutes the sale or sharing of personal information, we provide the following options for opting out of these practices related to cookies and other data collection technologies:

On certain parts of our Site, you may manage your cookie and data-sharing preferences directly through a cookie banner management tool.
For all other areas of our website and digital properties, you may take the following actions:
- Visit privacyrights.info: Use this site to opt out of personal information sales by third-party businesses participating in the Digital Advertising Alliance’s CCPA Opt-Out Tool.
- Visit Google’s Ad Personalization settings: Go to myaccount.google.com/data-and-personalization, scroll down to the “Ad personalization” section, click “Go to ad settings,” and toggle “Ad personalization” to OFF.
To exercise any additional CCPA rights, please visit our Privacy Preferences page on the Site.

F. Our Retention of Your Personal Information

We retain your personal information as long as it is necessary to provide the services or for legal compliance. Once this period expires, we securely delete or anonymize the information. Retention periods may vary based on the type of data and purpose.

G. How to Exercise Your California Consumer Rights

To exercise your rights under the CCPA, you can submit a request by:

Email: [email protected]

Please specify the right you wish to exercise and provide sufficient information for us to verify your identity. We will respond within forty-five (45) days as allowed by law. For extended timeframes, we will inform you of the delay and reasons in writing.

H. Verification Process

We may request additional information to verify your identity and fulfill your request. You will not be required to create an account with us to submit a request. Requests may be declined if verification is not possible.

I. Authorized Agent

You may designate an authorized agent to submit a CCPA request on your behalf. We may request evidence of the agent’s authorization, as well as verification of your identity. Authorized agents must be registered with the California Secretary of State.

J. Minors’ Right to Opt-In

We do not knowingly collect or sell personal information of consumers under the age of 16.

K. Additional Information for Small Business Loan Requests

From time to time, we may collect personal information for requests related to small business loans offered by our partners. Any disclosure of personal information related to these requests does not constitute a sale under the CCPA.

L. Contact Information

If you have questions or comments about this California Privacy Policy, please reach out to us at:

Top Networks Inc.
Email: [email protected]

M. Updates to this Policy

We may amend this California Privacy Policy from time to time. Any changes will be posted on this page with a revised effective date.