Terms and Conditions & Privacy Policy

Last Updated: 11/02/2025

1. Introduction

1.1 These Terms and Conditions ("Agreement") govern the collection, use, and storage of personal data provided by users ("Users") through BankAccountsInExcel ("we," "our," or "the Company"). By using our services, Users agree to comply with the terms outlined herein. If you do not agree with these terms, please do not use our services.

1.2 BankAccountsInExcel is committed to respecting your privacy and protecting your personal data. This Agreement provides details on how we collect, process, store, and secure your data.

2. Data Collection

2.1 Types of Data Collected

We collect personal data, including but not limited to:

• Name
• Email address
• Bank account information (if provided)
• Payment details (for transactions, balances)
• IP address and device information

2.2 Purpose of Data Collection

The data is collected for the following purposes:

• Providing and improving our services
• Processing transactions and payments
• Communicating with Users about updates, support, or promotional content
• Compliance with legal obligations
• Analyzing service usage for performance and improvement

2.3 Consent to Collection

By submitting your personal data to us, you consent to the collection and processing of this data for the purposes specified above.

3. Data Storage and Protection

3.1 Data Security

We implement reasonable technical and organizational measures to protect your personal data from unauthorized access, alteration, disclosure, or destruction. These include encryption, secure servers, and regular security audits.

3.2 Data Retention

We will retain your personal data for as long as necessary to fulfill the purposes outlined in this Agreement, or for the duration required by applicable law (e.g., tax or legal retention periods). Once data is no longer needed, we will securely delete it.

3.3 No Absolute Security Guarantee

While we strive to protect your personal data, no data transmission over the internet or electronic storage system is 100% secure. We cannot guarantee the absolute security of your data.

4. Limitation of Liability

4.1 General Limitation of Liability

By using our services, you agree that BankAccountsInExcel will not be held liable for any direct, indirect, incidental, special, consequential, or punitive damages, including loss of data, arising from the collection, storage, or use of your personal data.

4.2 Third-Party Liability

We are not responsible for the actions or security measures of third-party services, including payment processors, that may be involved in processing your personal data. We recommend reviewing their privacy policies for more information.

4.3 Security Risks

You understand that data transmission over the internet, including personal data, is inherently insecure and subject to potential risks. While we take measures to protect your data, we cannot guarantee that unauthorized access or misuse will not occur.

5. User Rights

5.1 Your Rights under GDPR

In accordance with the General Data Protection Regulation (GDPR), you have the following rights regarding your personal data:

• Right to Access: You have the right to request access to your personal data.
• Right to Rectification: You can request that we correct inaccurate or incomplete data.
• Right to Erasure: You can request the deletion of your data, subject to applicable legal obligations.
• Right to Restrict Processing: You can request that we restrict the processing of your data under certain circumstances.
• Right to Data Portability: You may request a copy of your data in a commonly used, machine-readable format.
• Right to Object: You can object to the processing of your data for certain purposes, such as direct marketing.

5.2 Exercising Your Rights

To exercise any of the above rights, please contact us at shloma@perfectbusinessoverview.com. We will respond to your request within the time frame required by law.

5.3 Withdrawal of Consent

You can withdraw your consent to the processing of your data at any time. Please note that withdrawing consent may limit your ability to use certain features of our services.

6. Compliance with Laws

6.1 General Data Protection Regulation (GDPR)

BankAccountsInExcel is committed to complying with the General Data Protection Regulation (GDPR) and applicable Belgian laws concerning data protection.

6.2 Data Transfers

If your personal data is transferred to countries outside of the European Economic Area (EEA), we will ensure that appropriate safeguards are in place to protect your data, in compliance with the GDPR.

6.3 Legal Jurisdiction

This Agreement will be governed by and construed in accordance with the laws of Belgium. Any dispute arising from these Terms and Conditions will be subject to the exclusive jurisdiction of the courts located in Belgium.

7. Amendments to Terms

7.1 Changes to Terms

We reserve the right to update or amend these Terms and Conditions at any time. Any changes will be posted on our website, and the effective date will be updated accordingly.

7.2 User Notification

We will notify Users of any material changes to these Terms and Conditions by posting a notice on our website or by sending a notification through our services. Continued use of our services after such changes will constitute your acceptance of the updated Terms and Conditions.

8. Contact Information

If you have any questions, concerns, or requests regarding these Terms and Conditions or your personal data, please contact us at:

BankAccountsInExcel
Email: shloma@perfectbusinessoverview.com
Address: [Contact Address]
Phone: +13479155773

9. Privacy Policy

This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit our website.

9.1 Information We Collect

We may collect information about you in a variety of ways. The information we may collect on the Site includes:

• Personal Data: Personally identifiable information, such as your name, shipping address, email address, and telephone number, and demographic information, such as your age, gender, hometown, and interests, that you voluntarily give to us when you register with the Site or when you choose to participate in various activities related to the Site, such as online chat and message boards.
• Derivative Data: Information our servers automatically collect when you access the Site, such as your IP address, your browser type, your operating system, your access times, and the pages you have viewed directly before and after accessing the Site.
• Financial Data: Financial information, such as data related to your payment method (e.g., valid credit card number, card brand, expiration date) that we may collect when you purchase, order, return, exchange, or request information about our services from the Site.

9.2 Use of Your Information

Having accurate information about you permits us to provide you with a smooth, efficient, and customized experience. Specifically, we may use information collected about you via the Site to:

• Create and manage your account.
• Process your transactions and send you related information, including purchase confirmations and invoices.
• Send you technical notices, updates, security alerts, and support and administrative messages.
• Respond to your comments, questions, and requests and provide customer service.
• Communicate with you about products, services, offers, promotions, rewards, and events offered by us and others, and provide news and information we think will be of interest to you.
• Monitor and analyze trends, usage, and activities in connection with our Services.
• Personalize and improve the Services and provide advertisements, content, or features that match user profiles or interests.

9.3 Disclosure of Your Information

We may share information we have collected about you in certain situations. Your information may be disclosed as follows:

• By Law or to Protect Rights: If we believe the release of information about you is necessary to respond to legal process, to investigate or remedy potential violations of our policies, or to protect the rights, property, and safety of others, we may share your information as permitted or required by any applicable law, rule, or regulation.
• Third-Party Service Providers: We may share your information with third parties that perform services for us or on our behalf, including payment processing, data analysis, email delivery, hosting services, customer service, and marketing assistance.
• Business Transfers: We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.

9.4 Security of Your Information

We use administrative, technical, and physical security measures to help protect your personal information. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse.

9.5 Policy for Children

We do not knowingly solicit information from or market to children under the age of 13. If we become aware that we have collected personal information from a child under age 13 without verification of parental consent, we will delete that information as quickly as possible. If you believe we might have any information from or about a child under 13, please contact us at shloma@perfectbusinessoverview.com.

9.6 Changes to This Privacy Policy

We may update this Privacy Policy from time to time in order to reflect, for example, changes to our practices or for other operational, legal, or regulatory reasons.

9.7 Contact Us

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

BankAccountsInExcel
Email: shloma@perfectbusinessoverview.com
Address: [Contact Address]
Phone: +13479155773