Your privacy matters to us. This Privacy Policy describes how this website (“we,” “our,” or “us”) collects, uses, and protects your personal information when you visit, read, or interact with our content.
By using this website, you agree to the practices described below. If you do not agree, please discontinue use or contact us with your questions before continuing.
We respect your right to privacy and aim to be fully transparent about what information we collect and why.
1. Who We Are
We are an independent online publishing project providing informational and educational content about digital banking, fintech, and business technology.
We do not sell financial products, and we do not act as an affiliate or official representative of any company we discuss.
Our primary goal is to deliver clear, research-based articles that help readers understand financial technologies.
For any privacy-related questions, please reach us through the Contact page.
2. Information We Collect
We collect only the minimum amount of data necessary to operate the website, analyze performance, and improve user experience. The data we collect may include:
2.1. Information You Provide Voluntarily
- Contact Form Data: If you send us a message, we may collect your name, email address, and the content of your message.
- Newsletter Subscription: If available, we store the email address you submit for the purpose of sending updates. You can unsubscribe at any time.
- Comments or Feedback: If our website allows comments, we may collect your name and message to display publicly.
We never request sensitive personal data such as credit card numbers, government IDs, or banking credentials.
2.2. Information Collected Automatically
When you visit the site, certain technical data is automatically collected by your browser or device:
- IP address (anonymized or truncated where possible)
- Browser type and version
- Device type and operating system
- Referring website or URL
- Pages visited and time spent on each page
This data helps us understand how visitors use the site and improve performance.
2.3. Cookies and Tracking Technologies
We use cookies and similar tools to remember preferences, track anonymous usage statistics, and secure user sessions.
For full details, please see our separate Cookie Policy.
3. How We Use the Information
We use collected information for the following purposes:
- Website Functionality: To display content, load pages efficiently, and remember preferences such as language or region.
- Analytics: To monitor website traffic, performance, and engagement.
- Communication: To respond to messages, feedback, or inquiries you send through the contact form.
- Security: To detect and prevent potential fraud or unauthorized access.
- Compliance: To meet legal or regulatory obligations when applicable.
We do not use collected information to make automated decisions or build individual profiles of users.
4. Legal Basis for Processing (For Visitors from the EU/EEA)
If you are visiting from the European Union or the European Economic Area, our legal grounds for processing your data may include:
- Consent: When you accept cookies or submit personal information voluntarily.
- Legitimate Interests: For analytics, site maintenance, and improvement.
- Legal Obligation: When we are required to keep minimal records for compliance.
You can withdraw consent at any time by adjusting your browser or cookie settings
5. Data Retention
We keep personal data only for as long as necessary to fulfill the purpose for which it was collected.
- Contact form messages are stored only as long as needed to handle your inquiry.
- Analytics data is retained according to Google Analytics policies (usually 26 months or less).
- Backups and logs are automatically deleted or anonymized after a defined retention period.
If you wish to have your information deleted sooner, you may contact us at any time.
6. Sharing of Information
We do not sell, rent, or trade personal information with third parties.
We may share limited, non-identifiable data only in the following cases:
- Service Providers: Trusted partners who help operate the website (e.g., hosting, analytics, email delivery). They are bound by confidentiality agreements.
- Legal Requirements: If required by law, court order, or government request, we may disclose information to comply with legal obligations.
- Protection of Rights: To protect our rights, prevent fraud, or ensure website security.
No data is ever shared for advertising or tracking across unrelated platforms.
7. Third-Party Services and Links
Our website may include links to other websites or embedded third-party tools such as analytics, YouTube videos, or social media widgets.
These services operate independently and have their own privacy policies.
We encourage you to review the privacy practices of any external site you visit.
We cannot control or be responsible for how third parties collect or use data once you leave our domain.
8. Analytics and Traffic Data
We use Google Analytics and similar tools to collect aggregated, anonymous statistics.
This data helps us understand how visitors interact with our pages, identify popular topics, and improve navigation.
Google Analytics may collect non-identifiable data via cookies, including IP address, page activity, and session duration.
We do not use Analytics to personally identify users or track behavior across other sites.
You can opt out of Google Analytics tracking by installing the Google Analytics Opt-Out Add-On.
9. Security of Your Data
We apply reasonable administrative, technical, and physical safeguards to protect data against unauthorized access, alteration, or disclosure.
These include encrypted connections (HTTPS), regular software updates, and secure hosting environments.
However, no internet-based service can guarantee complete security. You use this website at your own risk, and we encourage safe browsing practices such as using updated browsers and strong passwords.
10. Your Rights
Depending on your location, you may have certain privacy rights, including:
- Access: Request a copy of your personal data.
- Correction: Ask to fix inaccurate or outdated information.
- Deletion: Request deletion of your personal data (“right to be forgotten”).
- Restriction: Limit how we process your data.
- Portability: Receive a machine-readable copy of your data.
- Opt-Out: Decline analytics or cookie tracking.
If you wish to exercise these rights, contact us via the Contact page.
We may request verification to ensure security before fulfilling such requests.
11. Children’s Privacy
This website is not directed toward children under 16.
We do not knowingly collect or store personal information from minors.
If you believe a child has provided data through our site, please contact us immediately, and we will delete it promptly.
12. International Data Transfers
Because our hosting servers may be located outside your home country, your data might be transferred to and processed in other jurisdictions.
We take steps to ensure that such transfers meet recognized legal standards for data protection, including encryption and secure storage.
13. Updates to This Privacy Policy
We may revise this Privacy Policy periodically to reflect legal changes, new technologies, or updates to our practices.
The “Last updated” date at the top indicates the latest revision.
When changes are significant, we will notify visitors by updating this page or displaying a notice on the homepage.
We recommend checking this page regularly to stay informed about how your information is handled.
14. Contact Us
If you have any questions, concerns, or complaints about this Privacy Policy or how we handle your data, please reach us through our Contact page.
We aim to respond within a reasonable timeframe and address your request transparently.
15. Summary
We believe privacy is not just a legal obligation — it’s a responsibility.
Our commitment is to collect as little information as possible, use it fairly, and protect it with care.
We don’t sell user data, run intrusive ads, or profile visitors.
Instead, we use simple analytics and technical cookies to keep the website secure, efficient, and useful.
By using our website, you place trust in us — and we take that trust seriously.