Policies

Introduction

These Policies apply to prudentiaanalytics.com and to purchases from Prudentia Analytics.

Responsible Party: Prudentia Analytics
Email: contact@prudentianalytics.com

Prudentia Analytics offers digital analytical products, including the Prudentia Life Table Toolkit™ Version 1.0. By using this website or placing an order, you agree to these Policies.

Nothing in these Policies limits rights that cannot lawfully be waived under applicable consumer-protection or data-protection law.

Privacy Notice

Personal Data We Collect

We may collect personal data that you provide when you use the website, contact us, or place an order. This may include:

  • Name;
  • Email address;
  • Billing address and country;
  • Telephone number, where provided;
  • Order, payment-status, and download information;
  • Messages sent through the contact form or by email; and
  • Technical information generated through normal use of the website, such as IP address, browser type, device information, and website activity.

Please do not send sensitive personal data, confidential health information, identifiable research data, payment-card details, or other information that is not necessary for your inquiry or order.

Purposes of Processing

We use personal data to:

  1. Process and administer purchases;
  2. Deliver digital products and provide download access;
  3. Communicate about orders, support requests, refunds, or account-related matters;
  4. Respond to contact-form submissions and other inquiries;
  5. Maintain business, accounting, tax, and transaction records;
  6. Protect the website, prevent fraud, and address misuse; and
  7. Comply with legal obligations.

We do not use your personal data for unrelated purposes without providing an updated privacy notice or obtaining consent where required.

Payment Processing and Service Providers

Payments are processed through Stripe. Payment-card information is entered through Stripe’s payment process. Prudentia Analytics does not ask customers to send payment-card details by email or through the contact form.

We use service providers that support the operation of the website and business, including hosting, WordPress, WooCommerce, Stripe, email, and related technical services. These providers may process personal data only as necessary to provide their services or comply with applicable law.

We may disclose personal data when required to comply with law, respond to lawful requests, protect our rights, prevent fraud, or enforce these Policies.

Cookies and Similar Technologies

he website may use cookies or similar technologies necessary for website functionality, shopping-cart and checkout operation, security, and user preferences. Third-party services used for payment processing may also use their own technologies in accordance with their policies.

You may adjust your browser settings to limit or block cookies. Some website functions, including checkout, may not operate correctly if necessary cookies are disabled.

Data Retention

We retain personal data only for as long as reasonably necessary for the purposes described in this Privacy Notice, including customer support, accounting, tax, legal, security, and dispute-resolution obligations.

Your Privacy Right

Subject to applicable law, you may request access to, rectification of, cancellation of, or opposition to the processing of your personal data. These are commonly known in Mexico as ARCO rights.

To make a request, follow the procedure in Section 7 below.

Changes to this Privacy Notice

We may update this Privacy Notice when necessary to reflect operational, legal, or service changes. The current version will be published on this page with its effective date.

Terms of Sale and Website Use

Website Use

You may use this website only for lawful purposes and in accordance with these Policies. You may not interfere with website operation, attempt unauthorized access, introduce malicious code, misuse contact channels, or use the website in a way that infringes another person’s rights.

Product Information

Prudentia Analytics makes reasonable efforts to provide clear and accurate product descriptions. Before purchase, customers should review the product page, included materials, compatibility information, price, currency, and applicable tax treatment.

The Prudentia Life Table Toolkit™ Version 1.0 is a digital downloadable product. It is not a physical product and no shipment is required.

Orders and Payment

Prices are displayed in United States dollars (USD) unless otherwise stated. Applicable taxes, if any, will be shown or calculated during checkout as appropriate.

An order is subject to payment authorization and acceptance. After successful payment, Prudentia Analytics will provide an order confirmation and digital-delivery instructions or access through the applicable WooCommerce workflow.

We may decline or cancel an order where payment cannot be authorized, information appears materially inaccurate, fraud or misuse is reasonably suspected, or the transaction cannot be completed lawfully. If payment has already been collected for a cancelled order, we will address the matter in accordance with applicable law and the Refund and Digital Delivery Policy below.

Customer Responsibilities

You are responsible for providing accurate order and contact information and for ensuring that you can receive order-confirmation and support emails.

You are also responsible for verifying that the product is appropriate for your intended use before purchase and for maintaining reasonable security over your download links, files, devices, and account credentials.

Professional and Analytical Limitation

The Toolkit and accompanying materials are educational and analytical resources. They do not constitute medical, clinical, legal, regulatory, financial, actuarial, tax, or other professional advice.

The customer remains solely responsible for verifying source data, assumptions, inputs, calculations, outputs, interpretations, and decisions made using the Toolkit. Prudentia Analytics does not guarantee a particular analytical, operational, clinical, regulatory, financial, or other outcome.

Limitation of Liability

To the maximum extent permitted by applicable law, Prudentia Analytics will not be liable for indirect, incidental, special, consequential, punitive, or exemplary damages, or for loss of data, profits, revenue, goodwill, business opportunity, or anticipated savings arising from the use of, or inability to use, the website or Toolkit.

Nothing in these Policies excludes or limits liability, consumer remedies, or other rights that cannot lawfully be excluded or limited.

Applicable law

These Policies are governed by the laws applicable in Mexico, without prejudice to mandatory consumer-protection, privacy, or other rights that may apply to a customer under applicable law.

Refund and Digital Delivery Policy

Digital Delivery

The Prudentia Life Table Toolkit™ Version 1.0 is supplied electronically. Following successful payment, Prudentia Analytics will provide download access or delivery instructions through the order-confirmation process.

Delivery may be affected by email filtering, incorrect customer information, payment review, technical interruption, or other circumstances outside our reasonable control. If you do not receive access, contact us at contact@prudentiaanalytics.com and include your order number.

4.2 Refunds

Because the Toolkit is a digital product and access may be provided shortly after purchase, refunds are not ordinarily available once the product has been delivered or download access has been provided.

This policy does not limit rights that cannot lawfully be waived. If the product cannot be accessed, is materially defective, or does not substantially conform to its published description, contact us promptly at contact@prudentiaanalytics.com. We will investigate the issue and, where appropriate, provide technical assistance, replacement access, correction, or a refund.

A request for a refund does not authorize continued use, copying, sharing, or distribution of the Toolkit.

Chargebacks and Payment Disputes

If you believe that a charge was unauthorized or incorrect, please contact us first at contact@prudentiaanalytics.com so that we can investigate. Nothing in this section restricts your right to contact your payment provider or exercise rights available under applicable law.

Prudentia Life Table Toolkit™ End-User License

License Grant

Subject to full payment and compliance with these Policies, Prudentia Analytics grants the purchaser a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to use one copy of the Prudentia Life Table Toolkit™ Version 1.0 and its accompanying documentation for the purchaser’s own professional, educational, or internal institutional purposes.

The Toolkit is licensed, not sold. Prudentia Analytics and its licensors retain all rights not expressly granted in this license.

Permitted Use

The purchaser may use the Toolkit to conduct analyses and create work product for legitimate professional, educational, research, or internal institutional purposes.

The purchaser may create and retain outputs generated through authorized use of the Toolkit, subject to responsibility for the purchaser’s data, methods, verification, interpretation, and any applicable confidentiality obligations.

Restrictions

Except as expressly permitted in writing by Prudentia Analytics or required by applicable law, the purchaser may not:

  1. Copy, reproduce, distribute, publish, upload, transmit, sell, rent, lease, sublicense, or share the Toolkit or its documentation;
  2. Make the Toolkit available to persons who have not obtained an authorized license;
  3. Remove, obscure, or alter copyright, trademark, license, or proprietary notices;
  4. Use the Toolkit to create or distribute a competing product or service;
  5. Represent a modified version, derivative version, or independently altered workbook as a product of Prudentia Analytics;
  6. Reverse engineer, decompile, or attempt to extract protected content except to the extent such restriction is prohibited by applicable law; or
  7. Use the Toolkit unlawfully or in a manner inconsistent with these Policies.

Modifications and Support

The Toolkit includes workflow safeguards and documentation. If a purchaser modifies the Toolkit, formulas, structure, protections, documentation, or related materials, the purchaser assumes responsibility for the consequences of those modifications.

Prudentia Analytics is not responsible for results produced from altered, incomplete, corrupted, unauthorized, or improperly used versions of the Toolkit.

Termination

This license terminates automatically if the purchaser materially breaches these Policies or the license restrictions. Upon termination, the purchaser must stop using the Toolkit and destroy or permanently delete unauthorized copies, except where retention is required by law.

Sections concerning ownership, restrictions, disclaimers, liability limitations, and enforcement survive termination.

Contact Information and Consumer Complaints

For product support, order inquiries, accessibility issues, complaints, or other customer-service matters, contact:

Prudentia Analytics
Support Email: contact@prudentiaanalytics.com

Please include your name, email address, order number where applicable, and a clear description of the issue. We will review your request and respond through the contact method provided.

Consumers in Mexico may also have rights to seek assistance from the Procuraduría Federal del Consumidor (PROFECO), where applicable.

Privacy / ARCO Requests

To exercise your rights of access, rectification, cancellation, or opposition regarding personal data, send a request to contact@prudentiaanalytics.com with the subject line: “ARCO Request.”

Your request should include:

  1. Your full name and an email address or other means to receive a response;
  2. Information sufficient to verify your identity or legal representation;
  3. A clear description of the personal data concerned;
  4. The specific right you wish to exercise; and
  5. Any information that reasonably helps us locate the relevant data.

We may request additional information where reasonably necessary to verify identity or process the request securely. We will respond within the time required by applicable law.

You may also use this contact method to request withdrawal of consent or to ask how to limit the use or disclosure of your personal data, where applicable.

Copyright and Trademark Notice

All website content and product materials, including text, graphics, logos, designs, documentation, workbook structures, analytical materials, and other original content, are owned by or used with permission by Prudentia Analytics and are protected by applicable intellectual-property laws.

Prudentia Analytics, Prudentia Life Table Toolkit™, and associated logos, marks, and branding are proprietary identifiers of Prudentia Analytics. Their use without prior written permission is prohibited except where permitted by applicable law.

No right, title, or interest in any intellectual property is transferred through website use or product purchase except for the limited license expressly granted in Prudentia Life Table Toolkit™ End-User License.

For questions, concerns, or assistance, please click the Contact button.

CONTACT