Privacy Policy, Terms & Cookie Policy — SafePayVault

1. Privacy Policy (overview)

This page explains how SafePayVault ("we", "us", "SafePayVault") collects, uses, stores and shares personal information when you visit https://safepayvault.neocities.org and related landing pages, interact with our product page on Payhip, or contact us.

What data we collect

• Contact information — email you provide when contacting us (e.g. freelancer.kvault@outlook.com).
• Transactional data — orders placed on Payhip (Payhip stores purchase records; we receive limited purchase confirmations and UTM data when available).
• Technical data — IP (anonymized if required), browser, device type, referrer, UTM parameters and page visits (via cookieless pings when consent is denied).
• Marketing data — only if you consent to analytics/ads cookies (used for aggregated measurement and optimization).

Legal bases for processing

We process data based on:

• Consent (where required) — for analytics and marketing cookies.
• Contractual necessity — when you purchase a product or request a service.
• Legitimate interests — for site security, fraud prevention and improving our services (balanced against your privacy rights).

How we use the data

• To process purchases and deliver digital products (via Payhip).
• To respond to support requests and communicate important updates.
• To analyze and improve site performance with privacy-aware signals (Consent Mode v2 and cookieless modeling).
• To comply with legal obligations and prevent abuse.

Third-party processors

We use third parties to operate and measure our service. These may include:

• Payhip — payment, downloads and purchase records. See Payhip's privacy policy for details.
• Google (GA4 / Tag Manager) — analytics and cookieless measurement when consent is denied.
• Reddit Ads — advertising pixels and conversion measurement subject to consent.
• Other providers (email, hosting) — only as necessary.

Data retention

We retain personal data only as long as necessary to provide the service, comply with legal obligations, resolve disputes, and enforce agreements. Purchase records from Payhip are retained according to Payhip's retention policy.

Your rights

If you are in the EU/EEA/UK/US you may have rights including access, correction, deletion, restriction, portability and objection. To exercise your rights, contact: freelancer.kvault@outlook.com. We will respond within a reasonable timeframe and in accordance with applicable law.

2. Terms & Conditions (summary)

These Terms govern your use of SafePayVault content and downloads. This is a summary — for any purchase on Payhip, the seller's terms and Payhip's terms apply in addition.

• Limited license: Digital guides and templates are licensed, not sold. You may use them for personal or business purposes but may not resell or redistribute without permission.
• No legal advice: Our materials are practical templates and guidance, not legal advice. For jurisdiction-specific, high-value or long-term contracts, consult a licensed attorney.
• Refunds: Refund and return policies are managed via Payhip. Check the product page for specific refund terms.
• Disclaimer: We provide tools to reduce risk, but cannot guarantee outcomes or prevent all disputes.

Last updated: December 1, 2025

3. Cookie & Tracking Policy (Consent Mode v2)

We use a consent-first approach. When you visit our site we default to no analytics or ad cookies until you explicitly accept. We implement Google Consent Mode v2, which allows privacy-preserving signals (cookieless pings and modeled conversions) when users deny cookies. This enables aggregated measurement without storing identifiers.

Cookie categories

• Essential / Functional: Required for the site to operate (session, security, preference). These are always active. No marketing uses.
• Analytics (optional): Google Analytics (GA4) - collects anonymized and, if consented, cookie-based analytics. If you reject analytics, GA4 will still receive cookieless signals to enable modeled reporting.
• Advertising (optional): Reddit Pixel, Meta Pixel, and similar. Only activated after consent. If you reject these, no advertising cookies will be placed.

How to control cookies

Use the cookie banner on our site to Accept or Reject analytics and advertising cookies. You can also disable cookies in your browser settings. Rejecting will not break the site’s core functionality.

Sample cookie table

• session — Essential; keeps your session open; duration: session
• ga — Analytics (GA4); duration: 2 years (only if consented)
• rdt — Reddit pixel (advertising); duration: 30 days (only if consented)

Consent behavior

By clicking Accept on the cookie banner you enable analytics and advertising cookies (ad_storage & analytics_storage set to granted). By clicking Reject or choosing essential only, ad and analytics cookies are denied and only cookieless signals are sent for modeled reporting.

Third-party links

Our site links to Payhip and other third parties. These parties have their own cookies and privacy policies. We recommend reviewing their policies before purchasing.

4. Contact & Complaints

If you have questions, requests or complaints regarding data processing or these policies, contact: freelancer.kvault@outlook.com.

If you are in the EU/EEA/UK you can also lodge a complaint with your local data protection authority. For US residents: you may have additional rights under state laws (e.g., CCPA).

5. Changes to this policy

We may update this policy periodically. The effective date at the top shows the current version. We will post material changes on this page and, where appropriate, provide direct notice.

6. Miscellaneous (use & indexing)

Search engines may index this page. This single combined legal page satisfies the requirements for advertising platforms (Reddit, Google, Meta) as well as Payhip compliance checks. It includes Privacy Policy, Terms & Conditions and Cookie Policy with Consent Mode v2 details.

Contact: freelancer.kvault@outlook.com