This Privacy Policy explains how Finance Plus d.o.o. collects, uses, shares and protects personal data we receive when you visit our website financeplus.me, contact us for a quote, or use our services. We are committed to protecting your privacy in line with the Montenegrin Personal Data Protection Act and widely accepted data-protection standards (GDPR).
1. Data controller
The controller of your personal data is:
- Finance Plus d.o.o. Podgorica
- Džordža Vašingtona 44, 81000 Podgorica, Montenegro
- Phone: +382 20 23 23 55
- Email: office@financeplus.me
For any questions regarding the processing of your personal data, please contact us at office@financeplus.me.
2. What data we collect
We collect only the data you voluntarily provide, together with limited technical data needed for the site to function.
2.1. Form data
When you fill in the contact form, a quote request, or use the price calculator, we may collect:
- first and last name,
- email address,
- phone number (optional),
- company name and industry,
- message content and any quote parameters you provide.
2.2. Website usage data
We automatically collect limited technical data needed for the correct operation of the site and for statistical analysis:
- IP address (in shortened form),
- browser and device type,
- pages visited and time spent on them,
- the source from which you arrived at the site.
You can read more about the technologies we use for this in our Cookie Policy.
3. Purposes and legal basis of processing
We process your data only for the following purposes:
- Responding to your enquiry — so we can send you the information or quote you requested. Legal basis: steps taken at your request prior to entering into a contract.
- Providing services — to deliver the accounting, tax, legal and consulting services you have engaged us for. Legal basis: performance of a contract.
- Compliance with legal obligations — accounting, tax and archival retention of documents. Legal basis: legal obligation.
- Improving the site and our services — anonymised analytics of site usage. Legal basis: legitimate interest and/or your consent for analytics cookies.
- Marketing communications — sending useful articles, notices and news, only if you have subscribed to receive them. Legal basis: your consent, which you may withdraw at any time.
4. Sharing your data
We do not sell your data to third parties. We share it only when necessary and with an appropriate legal basis, with the following categories of recipients:
- Data processors — trusted IT infrastructure providers (hosting, email, CRM systems) that process data strictly on our instructions and under a data-processing agreement.
- Public authorities — when required by law (e.g. the Tax Administration, courts, inspection bodies).
- Professional advisers — lawyers, auditors and other advisers, where necessary to protect our rights or to comply with legal obligations.
5. International data transfers
Some of our technical partners may process data outside Montenegro, including in European Union countries. In such cases we ensure that any transfer complies with domestic law and with standard contractual clauses on data protection.
6. How long we keep data
We keep personal data only for as long as necessary to fulfil the purpose for which it was collected:
- Enquiry data where no contract is concluded — up to 12 months from the last communication.
- Client data — for the duration of the engagement and up to 10 years after it ends, in line with tax and accounting regulations.
- Marketing data — until consent is withdrawn, or at most 5 years from the last contact.
- Technical logs — up to 12 months.
7. Data security
We apply appropriate technical and organisational measures to protect your data against unauthorised access, loss, alteration or disclosure. Only employees who need the data to carry out their work have access to it, and they are bound by a duty of professional confidentiality.
8. Your rights
At any time you have the right to:
- request access to the personal data we hold about you,
- request rectification of inaccurate data or completion of incomplete data,
- request erasure of data where there is a legal basis for it,
- request restriction of processing,
- request data portability to another controller in a structured format,
- submit an objection to processing based on legitimate interest,
- withdraw your consent for processing based on consent, without affecting the lawfulness of processing carried out before the withdrawal.
To exercise these rights, write to us at office@financeplus.me. We will respond within 30 days of receiving your request.
9. Right to lodge a complaint
If you believe that we have breached your data-protection rights, you have the right to lodge a complaint with the supervisory authority: the Agency for Personal Data Protection and Free Access to Information of Montenegro — azlp.me.
10. Changes to this policy
We update this Privacy Policy from time to time to reflect changes in legislation and in our business. The latest version is always available on this page. The date of the most recent update is shown at the top of the document.
If you have any questions about this Policy or how we handle your data, feel free to contact us — we are here to explain.