Last updated / Zadnja posodobitev: 17 September 2026

ENGLISH VERSION

1. Who we are

This Privacy Policy explains how Efinance.si, operated by [EFINANCE.SI), processes and protects personal information.

For the purposes of the General Data Protection Regulation (GDPR), the entity identified above is the data controller where it determines the purposes and means of processing personal data.

2. Personal information we may collect

Depending on how you interact with us, we may collect:

first and last name;
email address;
telephone number, if voluntarily provided or required for a particular service;
information submitted through registration and contact forms;
webinar, course or event registrations;
communications you send to us;
information concerning purchases or registrations for our services;
IP address, browser/device information and basic technical data;
website usage and analytics data where permitted by applicable law and your cookie choices;
advertising interaction information, including information associated with Meta Lead Ads or other advertising platforms.

We aim to collect only information reasonably necessary for the relevant purpose.

3. How we collect personal information

We may collect personal information:

directly from you when you register for a webinar, event or course;
when you contact us;
when you purchase or request one of our services;
through forms on our website;
through lead-generation forms on platforms such as Facebook and Instagram;
automatically through cookies and similar technologies, subject to applicable consent requirements;
from service providers used to operate our website, communications and events.

When you submit a Meta Lead Ad form, certain information may be transferred to us by Meta based on the information you submit or confirm in that form.

4. Why we process your information

We may process personal information to:

register you for webinars, courses, workshops or events;
send access links, reminders, materials and important information relating to an event for which you registered;
answer questions and requests;
provide purchased products or services;
administer customer relationships;
operate and secure our website;
measure and improve our website, webinars and advertising where legally permitted;
comply with accounting, tax, legal and regulatory obligations;
prevent misuse, fraud or security incidents;
send marketing communications about future educational content, webinars, courses and related services where we have an appropriate legal basis to do so.

Registration for one webinar does not automatically mean that you consent to all unrelated future marketing where separate consent is required by law.

5. Legal bases under the GDPR

Where the GDPR applies, processing may be based on:

Performance of a contract or steps at your request — for example, providing a webinar, course or service you requested.

Consent — for example, certain marketing communications, optional cookies or other processing where consent is required.

Legitimate interests — where appropriate and where our interests are not overridden by your rights and freedoms, for example security, fraud prevention and certain operational activities.

Legal obligation — where information must be processed or retained to comply with applicable law.

Where processing is based on consent, you may withdraw your consent at any time. Withdrawal does not affect processing lawfully carried out before withdrawal.

6. Email and marketing communications

If you register for a webinar, we may send you communications necessary to provide that webinar, including confirmation, access information, reminders and relevant materials.

We may send promotional emails about other webinars, educational products or services only where permitted by applicable law and based on an appropriate legal basis.

Where required, marketing consent will be requested separately.

Marketing emails will provide a method to unsubscribe. You may also contact us at [email address].

7. Meta, Facebook and Instagram Lead Ads

We may advertise our educational events and services through Meta platforms, including Facebook and Instagram.

If you submit a Meta Lead Ad form, Meta may provide us with the information you submit through that form.

Meta independently processes personal information according to its own privacy policies and terms. We do not control Meta’s independent processing activities.

We use information received from a Lead Ad only for the purposes described in this Privacy Policy and in the notice shown when the information is collected.

8. Cookies, analytics and advertising technologies

Our website may use cookies and similar technologies for essential website functionality, analytics and, where applicable, advertising.

Where applicable law requires consent, non-essential cookies and tracking technologies will not be used until the required consent has been obtained.

You may be able to change your preferences through the cookie settings available on our website.

This Privacy Policy should be read together with any separate Cookie Policy or cookie notice displayed on the website.

9. Who may receive your information

We may use trusted service providers to operate our business, such as:

website and hosting providers;
email and communication providers;
webinar/video-conferencing providers;
cloud and data-storage providers;
payment providers;
accounting and professional advisers;
analytics providers;
advertising and social-media platforms, including Meta, where applicable.

These parties may process information only as permitted by applicable law and their role in providing the relevant service.

We may also disclose information where required by law, court order or competent public authority.

10. International data transfers

Some service providers may process information outside Slovenia or the European Economic Area, including in the United States.

Where GDPR rules on international transfers apply, we seek to rely on an applicable lawful transfer mechanism, such as an adequacy decision, Standard Contractual Clauses or another mechanism permitted under applicable data-protection law.

11. How long we keep information

We retain personal information only for as long as reasonably necessary for the purpose for which it was collected and to satisfy applicable legal obligations.

As a general policy:

webinar registration and related communication data: up to 24 months after the relevant event, unless a longer period is justified or you separately remain subscribed to communications;
marketing subscription data: until consent is withdrawn, you unsubscribe, or the data is no longer required, subject to limited records needed to respect an opt-out;
contractual, invoice and accounting records: for the period required by applicable law;
technical/security records: for an appropriate period necessary for security and operation.

We may retain limited information longer where necessary to establish, exercise or defend legal claims or comply with law.

12. Security

We use reasonable technical and organisational safeguards designed to protect personal information against unauthorised access, loss, misuse, alteration or disclosure.

However, no internet transmission or electronic storage system can be guaranteed to be completely secure.

13. Your rights under the GDPR/EEA law

Where GDPR or applicable EEA data-protection law applies, you may have rights including:

access to your personal data;
correction of inaccurate data;
deletion in applicable circumstances;
restriction of processing;
data portability where applicable;
objection to certain processing;
withdrawal of consent at any time where processing is based on consent;
rights concerning certain automated decision-making.

You also have the right to lodge a complaint with the competent supervisory authority.

In Slovenia:

Information Commissioner of the Republic of Slovenia (Informacijski pooblaščenec).

You may exercise your rights by contacting [privacy email].

GDPR gives individuals rights including access, rectification, erasure, restriction, portability and objection, subject to the conditions applying to each right.

14. United States and California privacy information

Residents of certain U.S. states may have additional privacy rights under applicable state law.

Where applicable, these may include rights to request information about personal information collected, request deletion or correction, and exercise certain rights concerning disclosure, sale or sharing of personal information.

We do not sell personal information for monetary consideration.

If our use of advertising or tracking technologies constitutes “sharing,” “selling,” or targeted advertising under an applicable U.S. state privacy law, we will provide any opt-out mechanisms required by that law.

California law, where applicable to a business, provides rights including knowing about collected information, deletion, correction and opting out of certain sale or sharing.

Requests may be submitted to:

[privacy email]

We will not discriminate against an individual for exercising privacy rights provided by applicable law.

15. Children

Our investment education, webinars and services are intended for adults.

We do not knowingly seek to collect personal information from children through these services. If we become aware that personal information from a child has been collected contrary to applicable law, we will take appropriate steps to delete it.

16. Financial and educational disclaimer

Content provided through Efinance.si, webinars, courses and related materials is provided for educational and informational purposes only.

It does not constitute personalised investment, financial, legal or tax advice.

Any investment involves risk, including the possible loss of invested capital. Past performance does not guarantee future results.

17. Changes to this Privacy Policy

We may update this Privacy Policy when our services, technologies or legal obligations change.

The current version and date of the latest update will be published on this page.

18. Contact

Questions or requests concerning privacy may be sent to:
Email: info@efinance.si
Website: Efinance.si

SLOVENSKA VERZIJA

1. Upravljavec osebnih podatkov

Ta politika zasebnosti pojasnjuje, kako Efinance.si, ki ga upravlja [POLNO IME PODJETJA/UPRAVLJAVCA], obdeluje in varuje osebne podatke.

Upravljavec:
[Slovenija, Evropska unija
E-pošta:info@efinance.si
Spletna stran: Efinance.si

Upravljavec določa namene in sredstva obdelave osebnih podatkov.

2. Katere podatke lahko zbiramo

Glede na način uporabe naših storitev lahko zbiramo:

ime in priimek;
e-poštni naslov;
telefonsko številko, kadar jo posameznik prostovoljno posreduje ali je potrebna za določeno storitev;
podatke, posredovane prek prijavnih in kontaktnih obrazcev;
podatke o prijavah na webinarje, tečaje in dogodke;
vsebino komunikacije z nami;
podatke v zvezi z nakupi oziroma naročili storitev;
IP naslov ter osnovne podatke o napravi in brskalniku;
podatke o uporabi spletne strani in analitiki, kadar je to dovoljeno in skladno z nastavitvami piškotkov;
podatke v zvezi z interakcijo z oglasi in Meta Lead Ads.

Zbiramo le podatke, ki so razumno potrebni za določen namen.

3. Kako pridobivamo podatke

Podatke lahko pridobimo:

neposredno od vas ob prijavi na webinar, delavnico, tečaj ali dogodek;
ko nas kontaktirate;
ob nakupu ali naročilu storitve;
prek obrazcev na Efinance.si;
prek prijavnih obrazcev na Facebooku, Instagramu in drugih platformah;
prek piškotkov in podobnih tehnologij ob upoštevanju veljavnih zahtev glede soglasja;
prek ponudnikov storitev, ki jih uporabljamo za izvedbo naših aktivnosti.

4. Nameni obdelave

Osebne podatke lahko uporabljamo za:

izvedbo prijave na webinar, delavnico, tečaj ali dogodek;
pošiljanje povezav za dostop, opomnikov in gradiv;
odgovarjanje na vprašanja;
izvedbo naročenih ali kupljenih storitev;
upravljanje odnosa s strankami;
delovanje in varnost spletne strani;
analitiko in izboljševanje naših storitev, kadar je to dovoljeno;
izpolnjevanje računovodskih, davčnih in drugih zakonskih obveznosti;
preprečevanje zlorab in zagotavljanje varnosti;
pošiljanje informacij o drugih izobraževanjih, webinarjih in storitvah, kadar za to obstaja ustrezna pravna podlaga.

Sama prijava na posamezen webinar ne pomeni avtomatičnega soglasja za vse nepovezane prihodnje marketinške komunikacije, kadar zakon zahteva ločeno soglasje.

5. Pravne podlage

Osebne podatke lahko obdelujemo na podlagi:

izvajanja pogodbe oziroma ukrepov na zahtevo posameznika, kadar zagotavljamo zahtevano storitev;

privolitve, kadar je ta potrebna, na primer pri določenih marketinških sporočilih in neobveznih piškotkih;

zakonitega interesa, kadar je primeren in ne prevladajo pravice posameznika, na primer pri določenih varnostnih in operativnih postopkih;

zakonske obveznosti, kadar moramo podatke hraniti ali obdelovati zaradi veljavnih predpisov.

Privolitev lahko kadar koli prekličete.

6. Webinarji in e-poštna komunikacija

Ob prijavi na webinar vam lahko pošljemo informacije, potrebne za izvedbo prijavljenega dogodka, kot so:

potrditev prijave, povezava za dostop, opomniki in gradiva, povezana z dogodkom.

Informacije o drugih webinarjih, izobraževanjih ali ponudbah pošiljamo le, kadar imamo za to ustrezno pravno podlago.

Kadar je potrebno soglasje za trženje, ga pridobimo ločeno.

Od marketinških sporočil se lahko odjavite prek povezave v sporočilu ali tako, da nam pišete na [e-mail].

7. Meta Lead Ads, Facebook in Instagram

Za promocijo lahko uporabljamo storitve Meta, vključno s Facebookom in Instagramom.

Ko uporabnik izpolni Meta Lead Ads obrazec, nam Meta posreduje podatke, ki jih uporabnik vnese oziroma potrdi.

Meta lahko podatke obdeluje tudi samostojno v skladu s svojimi pogoji in politiko zasebnosti.

Podatke, pridobljene prek prijavnega obrazca, uporabljamo za namene, navedene ob zbiranju in v tej politiki.

8. Piškotki, analitika in oglaševanje

Efinance.si lahko uporablja piškotke in podobne tehnologije za:

nujno delovanje strani;
analitiko;
oglaševanje, kadar je to relevantno.

Kadar zakon zahteva soglasje, neobveznih piškotkov ne uporabljamo pred pridobitvijo ustreznega soglasja.

Nastavitve lahko uporabnik spremeni prek nastavitev piškotkov na spletni strani, kadar so te na voljo.

9. Komu lahko posredujemo podatke

Pri poslovanju lahko uporabljamo ponudnike:

spletnega gostovanja;
e-poštnih storitev;
videokonferenčnih/webinar storitev;
shranjevanja podatkov v oblaku;
plačilnih storitev;
računovodstva in strokovnega svetovanja;
analitike;
oglaševalskih in družbenih platform.

Podatke lahko posredujemo tudi pristojnim organom, kadar to zahteva zakon.

10. Prenosi izven EGP

Nekateri ponudniki lahko podatke obdelujejo zunaj Slovenije oziroma Evropskega gospodarskega prostora, tudi v ZDA.

Kadar se uporablja GDPR, za takšne prenose uporabljamo oziroma zahtevamo ustrezno pravno podlago in zaščitne ukrepe, kot so sklep o ustreznosti, standardne pogodbene klavzule ali drug zakonsko dovoljen mehanizem.

GDPR zahteva, da je posameznik med drugim obveščen tudi o morebitnih prenosih podatkov izven EU.

11. Obdobje hrambe

Podatke hranimo samo toliko časa, kolikor je potrebno za namen njihovega zbiranja in izpolnjevanje zakonskih obveznosti.

Praviloma:

podatki o prijavi na webinar in povezana komunikacija: do 24 mesecev po dogodku, razen če obstaja upravičen razlog za daljšo hrambo ali je posameznik še naprej ločeno naročen na komunikacije;
podatki za marketing: do preklica privolitve oziroma odjave ali dokler niso več potrebni, pri čemer lahko hranimo minimalen zapis odjave;
računi in poslovna dokumentacija: skladno z zakonsko določenimi roki;
tehnični in varnostni podatki: toliko časa, kolikor je razumno potrebno za zagotavljanje varnosti in delovanja.

12. Varnost

Uporabljamo razumne tehnične in organizacijske ukrepe za zaščito podatkov pred nepooblaščenim dostopom, izgubo, zlorabo ali razkritjem.

Popolne varnosti prenosa podatkov prek interneta ni mogoče zagotoviti.

13. Pravice posameznika

Kadar se uporablja GDPR, imate lahko pravico do:

dostopa do osebnih podatkov;
popravka;
izbrisa;
omejitve obdelave;
prenosljivosti podatkov;
ugovora obdelavi;
preklica privolitve;
določenih pravic glede avtomatiziranega odločanja.

Zahtevo lahko pošljete na info@efinance.si

Prav tako imate pravico vložiti pritožbo pri:

Informacijskem pooblaščencu Republike Slovenije.

Evropska komisija potrjuje, da GDPR med drugim zagotavlja pravice do dostopa, popravka, izbrisa, omejitve, prenosljivosti in ugovora.

14. Uporabniki iz ZDA

Uporabniki iz nekaterih ameriških zveznih držav imajo lahko dodatne pravice v skladu z zakonodajo njihove države.

Kadar se takšna zakonodaja uporablja, lahko te pravice vključujejo dostop do podatkov, izbris, popravek ter določene pravice glede prodaje ali deljenja osebnih podatkov.

Osebnih podatkov ne prodajamo za denarno nadomestilo.

Če bi določena uporaba oglaševalskih ali sledilnih tehnologij po veljavni ameriški zakonodaji pomenila »sale«, »sharing« ali ciljno oglaševanje, bomo zagotovili mehanizme za odjavo, kadar jih zakon zahteva.

15. Mladoletne osebe

Naša investicijska izobraževanja in storitve so namenjene odraslim.

Zavestno ne zbiramo osebnih podatkov otrok prek teh storitev. Če ugotovimo, da smo podatke otroka pridobili v nasprotju z veljavno zakonodajo, bomo ustrezno ukrepali.

16. Izjava glede finančnih vsebin

Vsebine na Efinance.si ter naši webinarji, tečaji in gradiva so namenjeni izključno izobraževanju in informiranju.

Ne predstavljajo individualnega investicijskega, finančnega, pravnega ali davčnega svetovanja.

Vsako investiranje vključuje tveganje, vključno z možnostjo izgube vloženega kapitala. Pretekli donosi niso zagotovilo prihodnjih rezultatov.

17. Spremembe politike

Politiko zasebnosti lahko občasno posodobimo zaradi sprememb naših storitev, tehnologij ali zakonodaje.

Na tej strani bo vedno objavljena aktualna različica in datum zadnje posodobitve.

18. Kontakt

Za vprašanja ali uveljavljanje pravic:

Slovenija, EU
E-pošta: info@efinance.si
Spletna stran: Efinance.si