This Privacy Policy describes how Germanist, s.r.o. ('we,' 'our,' or 'us') collects, uses, and protects your personal information when you visit realvetcost.com (the 'Site').

Company Information
Germanist, s.r.o.
VAT ID: CZ11973030
Address: Nove sady 988/2, Stare Brno, 602 00 Brno, Czech Republic
Contact: marcel@uxcode.cz

1. Information We Collect

Information You Provide:
- Email address (when you download our workbook or subscribe to updates)
- Any information you provide when contacting us

Automatically Collected Information:
- IP address and general location data
- Browser type and device information
- Pages visited and time spent on the Site
- Referral sources

We use Google Analytics to collect usage data. Google Analytics uses cookies and similar technologies to track visitor behavior. For more information, visit: Google Privacy Policy

2. How We Use Your Information
We use your information to:
- Deliver the Dog Insurance Due Diligence Workbook you requested
- Send educational content, insurance industry updates, and seasonal alerts
- Improve our Site and user experience
- Comply with legal obligations
- Respond to your inquiries

We do not sell your personal information to third parties.

3. Third-Party Services
Email Delivery: We use Lemon Squeezy to manage email communications. Your email address is shared with Lemon Squeezy to deliver requested content and updates.

Analytics: We use Google Analytics to understand how visitors use our Site. Google may collect and process data as described in their privacy policy.

Microsoft Clarity: We partner with Microsoft Clarity and Microsoft Advertising to capture how you use and interact with our website through behavioral metrics, heatmaps, and session replay to improve and market our products and services. Website usage data is captured using first and third-party cookies and other tracking technologies to determine the popularity of products and services and online activity. Additionally, we use this information for site optimization, fraud/security purposes, and advertising. For more information about how Microsoft collects and uses your data, visit the Microsoft Privacy Statement.

Affiliate Partners: When you click on insurance provider links, you may be directed to third-party websites. Those sites have their own privacy policies, which we encourage you to review.

4. Data Retention
We retain your email address and associated data until you unsubscribe or request deletion. If you remain inactive for 3 years without engagement, we may remove your data from our active systems.

5. Your Rights
Under GDPR (European Union) and CCPA (California), you have the right to:
- Access the personal data we hold about you
- Request correction of inaccurate data
- Request deletion of your data
- Opt out of marketing communications at any time
- Object to processing of your data

To exercise these rights, contact us at: marcel@uxcode.cz

California Residents: You have the right to request information about the categories and specific pieces of personal information we have collected, as well as the right to request deletion of your personal information. We do not sell personal information.

6. Data Security
We implement reasonable security measures to protect your personal information from unauthorized access, alteration, or destruction. However, no internet transmission is completely secure, and we cannot guarantee absolute security.

7. International Data Transfers
As we are based in the European Union (Czech Republic) and operate a website targeting U.S. users, your information may be transferred to and processed in the Czech Republic. We ensure appropriate safeguards are in place for such transfers.

8. Children's Privacy
Our Site is not intended for children under 16 years of age. We do not knowingly collect personal information from children.

9. Changes to This Policy
We may update this Privacy Policy from time to time. The 'Last Updated' date at the top indicates when changes were made. Continued use of the Site after changes constitutes acceptance of the updated policy.

10. Contact Us
For questions about this Privacy Policy or to exercise your data rights, contact:
marcel@uxcode.cz
Germanist, s.r.o., Nove sady 988/2, Stare Brno, 602 00 Brno, Czech Republic