Privacy at a Glance
We Never Sell Your Data. Your personal information is never sold to third parties. We use minimal data collection focused solely on improving your experience and providing accurate financial guidance.
Your Rights: You have full control over your data with rights to access, correct, delete, and download your information at any time.
1. Information We Collect
Personal Finance Guide collects minimal information necessary to provide our services and improve your experience. We believe in data minimization and transparency.
📝 Information You Provide
- Loan calculation inputs (amounts, rates, terms)
- Newsletter subscription email (optional)
- Contact form submissions
- User feedback and surveys
🌐 Automatically Collected
- Website usage analytics (anonymized)
- Browser type and version
- Device type and operating system
- General location (country/region)
🍪 Cookies & Tracking
- Essential cookies for site functionality
- Analytics cookies (with consent)
- Preference settings storage
- No tracking for advertising purposes
2. How We Use Your Information
We use your information exclusively for the following purposes:
- Service Provision: Process loan calculations and provide financial guidance
- Content Improvement: Analyze usage patterns to enhance our resources
- Communication: Send requested newsletters and respond to inquiries
- Legal Compliance: Meet regulatory requirements in US and UK jurisdictions
- Security: Protect against fraud and maintain site security
3. Information Sharing & Disclosure
We Do NOT Share Your Personal Information with:
- Lenders or financial institutions for marketing purposes
- Data brokers or advertising networks
- Social media platforms (beyond necessary analytics)
- Any third parties for commercial purposes
Limited Sharing Occurs Only:
- With Your Consent: When you explicitly request referrals to vetted partners
- Service Providers: Trusted vendors who help operate our website (hosting, analytics)
- Legal Requirements: When required by law or to protect rights and safety
- Business Transfers: In the unlikely event of company sale (with notification)
4. Your Privacy Rights
Under GDPR (EU/UK) and various US state laws, you have comprehensive rights regarding your personal data:
🔍 Right to Access
Request a copy of all personal data we hold about you, including how it's used and who it's shared with.
✏️ Right to Correct
Update or correct any inaccurate or incomplete personal information we have about you.
🗑️ Right to Delete
Request deletion of your personal data, subject to legal retention requirements.
⬇️ Right to Download
Receive your personal data in a portable format to transfer to another service.
⛔ Right to Object
Object to processing of your personal data for marketing or analytics purposes.
⏸️ Right to Restrict
Request limitation of processing while we resolve disputes about accuracy or lawfulness.
5. Cookie Policy
We use cookies to enhance your experience and analyze website performance. You have full control over cookie preferences.
| Cookie Type | Purpose | Duration | Required |
|---|---|---|---|
| Essential | Site functionality, security, calculator settings | Session | Yes |
| Analytics | Anonymous usage statistics, performance monitoring | 2 years | No |
| Preferences | Remember your currency, language settings | 1 year | No |
6. Data Security
We implement industry-standard security measures to protect your information:
- Encryption: All data transmission uses SSL/TLS encryption
- Access Controls: Strict employee access restrictions with regular audits
- Regular Updates: Software and security patches applied promptly
- Monitoring: 24/7 security monitoring and incident response
- Compliance: SOC 2 Type II certification and regular security assessments
7. International Data Transfers
For users outside the United States:
- Data may be transferred to and processed in the United States
- We ensure adequate protection through approved transfer mechanisms
- EU/UK users: Standard Contractual Clauses (SCCs) are in place
- All transfers comply with applicable data protection laws
8. Data Retention
We retain personal information only as long as necessary:
- Calculator Data: Not stored after session ends
- Analytics Data: Anonymized after 26 months
- Newsletter Subscriptions: Until you unsubscribe
- Contact Inquiries: 3 years for customer service purposes
- Legal Requirements: As required by applicable laws
9. Children's Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 18, we will delete it immediately.
10. Changes to This Policy
We may update this privacy policy to reflect changes in our practices or legal requirements. Material changes will be communicated through:
- Prominent notice on our website
- Email notification to newsletter subscribers
- 30-day advance notice for significant changes
11. Regulatory Compliance
This privacy policy complies with:
- GDPR: General Data Protection Regulation (EU)
- UK GDPR: UK Data Protection Act 2018
- CCPA: California Consumer Privacy Act
- COPPA: Children's Online Privacy Protection Act
- PIPEDA: Personal Information Protection and Electronic Documents Act (Canada)
12. Your Consent
By using our website, you consent to this privacy policy. You may withdraw consent at any time by:
- Adjusting cookie preferences in your browser
- Unsubscribing from newsletters
- Contacting us to delete your data
- Stopping use of our website
This privacy policy is written in plain English to ensure transparency. If you have questions about any section, please don't hesitate to contact us.