Privacy Policy

1. Introduction

lofvaw ("lofvaw", "we", "us", or "our") operates lofvaw.com (the "Site"), an independent informational resource about factoring and commercial receivables management. This Privacy Policy describes how we collect, use, and protect information when you visit the Site or submit our contact form. We do not sell any product or paid service; this policy applies solely to our website and the limited information we collect through it.

2. Information We Collect

We collect information in the following ways:

• Information you provide. When you use our contact form, we collect your name, email address, phone number (if provided), the topic selected, and the content of your message.
• Automatically collected information. Like most websites, we may automatically collect technical data such as your IP address, browser type, device type, referring page, and pages visited, typically through server logs and cookies.
• Cookies. We use cookies as described in our Cookie Policy.

3. How We Use Information

We use the information we collect to:

• Respond to questions submitted through our contact form;
• Maintain, secure, and improve the Site;
• Understand general usage patterns and content performance;
• Comply with applicable legal obligations.

We do not use the information we collect to market or sell any paid financial service, because we do not offer one.

4. Cookies & Tracking Technologies

We use a small number of cookies for essential site functionality and, where you consent, analytics purposes. You can manage or withdraw your cookie preferences at any time through the cookie banner or your browser settings. See our Cookie Policy for full details.

5. Sharing of Information

We do not sell personal information. We may share limited information with:

• Service providers who help us operate the Site (for example, hosting or email delivery providers), under confidentiality obligations;
• Authorities, where required to comply with applicable law, regulation, or legal process.

6. Data Retention

We retain contact form submissions only as long as reasonably necessary to respond to your inquiry and maintain a record of correspondence, after which the information is deleted or anonymized.

7. Your Rights

Depending on your location, you may have rights to access, correct, delete, or restrict the use of your personal information, and to withdraw consent at any time. To exercise these rights, contact us using the details below.

8. Security

We use reasonable administrative and technical safeguards designed to protect information submitted through the Site. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

9. Children’s Privacy

The Site is intended for a general business audience and is not directed to children. We do not knowingly collect personal information from children.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be reflected by updating the "Last updated" date at the top of this page.

11. Contact Us

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