Privacy Policy

This Privacy Policy describes how we collect, use, store, and protect your personal data when you use our website, newsletters, and related services. By accessing our services, you acknowledge that you have read and understood this Policy, and that you consent to our data practices, as outlined below.

1. Who We Are

We are an independent content publisher providing educational and promotional material related to personal finance, investing, and related fields. You can contact our data controller at: a.redjem@outlook.com

2. What Personal Data We Collect

  • Email address (on sign-up or contact)
  • IP address, location estimates, device type
  • Browser type, operating system, language
  • Pages visited, time spent, links clicked
  • Email interactions (open rates, click-throughs)
  • Cookie identifiers and session tokens

3. Purpose of Data Processing

  • To send newsletters, insights, and updates
  • To promote affiliate products or services
  • To improve website functionality and UX
  • To conduct analytics and performance tracking
  • To prevent fraud and ensure platform security

4. Legal Bases

We process your data based on one or more of the following legal grounds:

  • Consent: When you opt into our communications
  • Contract: When we provide you services you requested
  • Legitimate Interest: For fraud prevention, analytics, and marketing
  • Legal Obligation: Where required by law

5. Sharing of Personal Data

We may share personal data with carefully selected third-party vendors under strict data processing agreements. These may include:

  • Email delivery platforms
  • Analytics and performance tools
  • Affiliate and advertising platforms
  • Hosting and infrastructure providers

We do not sell your data to third parties.

6. International Transfers

Your data may be processed in jurisdictions outside your own, including countries that may not offer equivalent data protections. Where this occurs, we rely on Standard Contractual Clauses or other lawful safeguards.

7. Data Retention

We retain personal data for as long as necessary to fulfill the purposes for which it was collected, including to comply with legal, accounting, or reporting obligations. You may request deletion at any time.

8. Your Rights

  • Access to your personal data
  • Rectification of inaccurate data
  • Erasure of your data (“right to be forgotten”)
  • Restriction or objection to processing
  • Data portability (where applicable)
  • Withdraw consent at any time

To exercise any rights, email us at: a.redjem@outlook.com

9. Marketing & Profiling

We may use data to personalize the emails or content you receive based on your engagement and preferences. We do not engage in fully automated decision-making that could significantly affect you.

10. Security

We implement robust technical and organizational measures to safeguard your data, including encryption, access controls, data minimization, and ongoing audits of third-party services.

11. Children’s Privacy

Our services are not intended for individuals under the age of 13. We do not knowingly collect data from children. If you believe we have unintentionally collected data from a minor, please contact us.

12. CCPA / GDPR / ePrivacy

We comply with the California Consumer Privacy Act (CCPA), the General Data Protection Regulation (GDPR), and the ePrivacy Directive. Depending on your location, you may have additional rights.

You may request a summary of data collected, request data deletion, or opt-out of marketing communications at any time.

13. Changes to This Policy

We reserve the right to update this Privacy Policy. Any material changes will be communicated through our website or by email when appropriate. Please review this policy periodically.

Last updated: August 21, 2025

14. Contact

For any questions, requests, or complaints regarding this Privacy Policy, contact: a.redjem@outlook.com