Privacy and Cookies Policy

1. Introduction We are committed to safeguarding the privacy of our website visitors. This Privacy and Cookies Policy outlines how we collect, use, disclose, and safeguard your personal data in accordance with applicable U.S. and Minnesota state laws.This policy applies where we act as a data controller, meaning we determine the purposes and means of processing your personal data.By using our website, you consent to the practices described in this policy. Where required by law, we will obtain your express consent.2. About Us This website is operated by Expert Virtual Assistants, Inc., a Minnesota-based company. You can contact us at:Email: beth@expertvirtualassistants.comPhone: 651-238-5918Address: 1430 Concordia Ave, Box 40428, Saint Paul, MN 551043. How We Use Your Personal Data We may process the following categories of personal data:-Identity and contact data (e.g., name, email address, phone number)-Technical data (e.g., IP address, browser type, operating system)-Usage data (e.g., browsing behavior, referring URLs)-Transaction data (e.g., purchases, payment method)We use this data to:-Provide and maintain our website and services-Respond to inquiries or service requests-Process payments and transactions-Improve our website, services, and marketing-Comply with legal obligationsLegal Bases for Processing:-Your consent-The performance of a contract-Compliance with legal obligations-Our legitimate interests (e.g., website functionality, security, legal claims)4. Disclosures of Your Personal Data We may share your personal data with:-Service providers (hosting, analytics, cloud storage, payment processors)-Insurers and legal advisors (for compliance and claims)-Law enforcement or regulatory bodies when required We will not sell your personal data.5. Data Retention We retain your personal data only as long as necessary:-Customer transaction records: up to 7 years-Marketing and communications: up to 2 years unless you opt out sooner-Legal or regulatory purposes: as required by law6. Data Security We implement reasonable technical and organizational measures to protect your data. Data exchanged via our website is encrypted using HTTPS. You are responsible for maintaining the confidentiality of your login credentials.7. Data Breach Notification In compliance with Minn. Stat. §325E.61, we will notify affected users and relevant authorities without unreasonable delay if a data breach occurs involving personal data.8. International Data Transfers Your data may be transferred outside the U.S. when using third-party services (e.g., cloud storage). Where this occurs, we rely on standard contractual clauses or similar safeguards to protect your data.9. Your Rights You have the right to:-Access the personal data we hold about you-Request correction of inaccurate or incomplete data-Request deletion, under certain circumstances-Restrict or object to processing-Withdraw consent at any time-File a complaint with the Minnesota Attorney General's OfficeTo exercise your rights, contact us in writing using the contact information provided in Section 2.10. Children’s Privacy Our website is not intended for children under age 13. We do not knowingly collect personal information from children. If we learn that we have collected personal information from a child, we will delete it promptly.11. Third-Party Websites Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites.12. Use of Cookies and Local Storage Cookies are small files stored on your device to enhance your browsing experience. We use:Necessary cookies for website functionalityAnalytics cookies to measure website performance (e.g., Google Analytics)Preference cookies to remember user settingsLocal storage is used to save settings like sidebar positions or ecommerce preferences. You can manage cookie preferences via your browser settings or through our cookie banner.13. Managing Cookies You may accept or reject cookies (except those strictly necessary for website functionality) via our cookie settings banner. You can also control cookies directly through your browser:Chrome: https://support.google.com/chrome/answer/95647Firefox: https://support.mozilla.org/en-US/kb/enable-and-disable-cookiesSafari: https://support.apple.com/guide/safari/manage-cookies-and-website-dataBlocking cookies may affect your user experience.14. Policy Updates We may update this policy to reflect changes in the law or our practices. Updated versions will be posted on this page with a revised effective date. Please review it periodically.15. Accessibility If you require this policy in an alternate format due to a disability, please contact us.