Privacy Policy

Last Updated: July 4, 2026

Welcome to my website, www.liubovborisova.eu.

My name is Mgr. Liubov Borisova, PhD, operating as an independent entrepreneur (OSVČ) in the Czech Republic. I am the Data Controller of the personal data collected through this website, my newsletters, and registrations for my Financial Breakfasts.

I take your privacy seriously. This Privacy Policy explains how I collect, process, and protect your personal data in accordance with the General Data Protection Regulation (GDPR) and Czech Act No. 110/2019 Coll., on Personal Data Processing.

1. Who is the Data Controller?

When you interact with this website, register for my events, or sign up for my newsletter, your data is controlled by:

Mgr. Liubov Borisova, PhD

• IČO (Identification Number): 19929889

• Registered Address: V Šáreckém údolí 2802, Prague, CZ

• Email: liubov.borisova@ovbmail.cz / contact@liubovborisova.eu

• Phone: +420 777 672 834

Note on Financial Advising: I provide financial consulting services as a tied agent (vázaný zástupce) of OVB Allfinanz, a.s. If you become a client for specific financial products (e.g., insurance, investments, mortgages), the processing of your data for those specific contracts is governed by the privacy policies of OVB Allfinanz and the respective financial institutions.

2. What Personal Data Do I Collect and Why?

I only collect data that is necessary for my business operations. I process this data under specific legal grounds established by the GDPR:

A. Event Registrations (e.g., Financial Breakfasts)

• What I collect: First and last name, email address, phone number, and any voluntary notes you provide (such as dietary restrictions).

• Why: To manage your registration, send you event details, and ensure a safe experience at the venue.

• Legal Basis: Performance of a Contract (Article 6(1)(b) GDPR) for event logistics. If you provide dietary data (health data), it is processed based on your Explicit Consent (Article 9(2)(a) GDPR).

B. Contact Forms and Inquiries

• What I collect: Name, email address, phone number, and the contents of your message.

• Why: To respond to your questions, schedule free consultations, and provide customer support.

• Legal Basis: Legitimate Interest (Article 6(1)(f) GDPR) in communicating with potential clients, or steps taken prior to entering into a contract.

C. Newsletter Subscriptions

• What I collect: Name and email address.

• Why: To send you financial tips, updates, and marketing communications via Hostinger Reach.

• Legal Basis: Consent (Article 6(1)(a) GDPR). You can unsubscribe at any time using the link at the bottom of my emails.

D. Future E-commerce and Paid Services

• What I collect: Billing address, payment details, and purchase history.

• Why: To process payments and deliver products/services if I offer paid tickets or digital products in the future.

• Legal Basis: Performance of a Contract, and Legal Obligation (Article 6(1)(c) GDPR) to comply with Czech accounting and tax laws.

E. Website Analytics and Advertising

• What I collect: IP address, browser type, device information, pages visited, and interaction data via cookies and the Meta (Facebook) Pixel.

• Why: To understand how visitors use my site, improve the user experience, and show you relevant advertisements on social media.

• Legal Basis: Consent (Article 6(1)(a) GDPR) obtained via the cookie banner on your first visit. Strictly necessary cookies operate under Legitimate Interest to keep the website secure and functional.

3. Who Do I Share Your Data With?

I do not sell your personal data. Because I am a solo entrepreneur, I rely on trusted third-party tools (Data Processors) to help me run my business. I share data only with:

• Hostinger & Hostinger Reach: For hosting this website and managing my email newsletters.

• Google Analytics: To analyze website traffic anonymously.

• Meta Platforms (Facebook/Instagram): For targeted advertising and tracking the success of my ad campaigns.

• OVB Allfinanz, a.s.: Only if you proceed to utilize my services as a financial consultant to set up official financial products.

• Legal Authorities: If I am strictly required to do so by Czech law or a valid legal request.

4. International Data Transfers

Some of the service providers I use (like Google and Meta) are based outside the European Economic Area (EEA), primarily in the United States. When your data is transferred outside the EEA, I ensure it is protected by appropriate safeguards, such as the EU-US Data Privacy Framework or the European Commission's Standard Contractual Clauses (SCCs).

5. How Long Do I Keep Your Data?

I retain your personal data only for as long as necessary:

• Event Registrations: For the duration of the event organization and a short follow-up period, unless you opt-in to my newsletter.

• Newsletters: Until you withdraw your consent (unsubscribe).

• Inquiries: For as long as our communication is active, and for a reasonable period afterward to reference past conversations.

• Accounting Data (Future Sales): If you make a purchase, Czech law requires me to retain billing and tax documents for 10 years.

6. Your Rights Under the GDPR

As an individual residing in the EU, you have the following rights regarding your personal data:

1. Right of Access: You can ask me for a copy of the personal data I hold about you.

2. Right to Rectification: You can ask me to correct any inaccurate or incomplete data.

3. Right to Erasure ("Right to be Forgotten"): You can ask me to delete your data when it is no longer necessary for the purposes collected.

4. Right to Restrict Processing: You can ask me to temporarily halt the processing of your data.

5. Right to Data Portability: You can request to receive your data in a structured, machine-readable format.

6. Right to Object: You can object to the processing of your data for direct marketing or legitimate interests.

7. Right to Withdraw Consent: Where I rely on your consent (e.g., cookies or newsletters), you can withdraw it at any time without affecting the lawfulness of prior processing.

How to exercise your rights: Simply email me at liubov.borisova@ovbmail.cz or contact@liubovborisova.eu. I will respond to your request within 30 days.

7. Right to Lodge a Complaint

If you believe that I am processing your personal data in violation of the GDPR or Czech law, you have the right to file a complaint with the Czech supervisory authority:

Úřad pro ochranu osobních údajů (ÚOOÚ)

• Address: Pplk. Sochora 27, 170 00 Prague 7, Czech Republic

• Website: www.uoou.cz

8. Changes to This Policy

I may update this Privacy Policy occasionally to reflect changes in my business practices or legal requirements. The updated version will be posted on this page with a revised "Last Updated" date.