Effective Date: November 27, 2024
The website is owned and operated by NeoPub OÜ, a company registered in Estonia under registration number 16338675.
At Your Finances Today, your privacy is our priority. This Privacy Policy explains how we collect, use, disclose, and protect your information when you interact with our website. It also outlines your rights under laws such as the California Consumer Privacy Act (CCPA), General Data Protection Regulation (GDPR) (where applicable), and the Children’s Online Privacy Protection Act (COPPA).
By using our website, you agree to the practices described in this policy.
1. Information We Collect
We collect personal and non-personal information through direct interaction and automated technologies.
1.1. Personal Information You Provide
- Name, email address, and phone number (e.g., for newsletter subscriptions, contact forms, or SMS/email marketing)
- Any other information you voluntarily provide
1.2. Automatically Collected Data
- Browser and device data: IP address, browser type, operating system
- Usage data: Pages visited, time spent on the site, clickstream data
- Cookies and similar technologies for functionality, analytics, and advertising
2. How We Use Your Information
We use your information for the following purposes:
- To provide access to our content and services
- To send email newsletters and SMS messages (with your consent)
- To personalize content and ads based on your behavior and preferences
- To analyze traffic and site usage through Google Analytics
- To deliver targeted ads via Google AdManager and trusted partners
- To comply with legal obligations and enforce our policies
3. Use of Cookies and Tracking Technologies
We use cookies and similar technologies to improve functionality and your user experience. These include:
- Essential cookies for navigation and security
- Analytics cookies (e.g., via Google Analytics)
- Marketing cookies (e.g., Google AdManager, Meta Ads) to show relevant ads
You can control cookie settings through your browser or visit our Cookie Policy for more information.
4. Legal Basis for Processing (for EU/EEA users)
If you are located in the European Economic Area (EEA), our legal basis for collecting and using your personal information depends on the data and context. It may include:
- Your consent
- Performance of a contract
- Legitimate interests, such as website analytics and marketing
- Legal compliance
5. Data Sharing
We only share your information with:
- Google (Analytics and AdManager) for site performance tracking and ad delivery
- Meta Ads and Google Ads for marketing optmization
- Email/SMS service providers to deliver campaigns
- Hosting, cloud, and security providers for infrastructure management
We never sell your personal information.
6. Your Rights and Choices
Depending on your location, you may have the right to:
- Access a copy of the personal data we hold
- Correct inaccuracies
- Request deletion of your personal information
- Withdraw consent at any time (e.g., unsubscribe from emails or SMS)
- Opt out of targeted advertising and cookie-based tracking
To exercise your rights, email us at [email protected] or follow the opt-out links in our communications.
7. Managing Marketing Communications
You may opt out of:
- Email marketing by clicking the “unsubscribe” link in any email
- SMS marketing by replying “STOP” to any text message
8. Data Retention
We retain your information only as long as necessary to fulfill the purposes outlined above or as required by law. Cookies and tracking data expire based on predefined durations set by our service providers.
9. Data Security
We implement industry-standard safeguards to protect your data, including:
- Encryption and secure servers
- Role-based access controls
- Regular security audits
However, no online system is 100% secure. In the event of a data breach, we will notify affected users as required by law.
10. Children’s Privacy
We do not knowingly collect data from children under 13. If we become aware of such data collection, we will delete it immediately. Parents or guardians can contact us to review or request deletion of their child’s information.
11. International Data Transfers
Your data may be processed in countries outside your own. Where required, we implement safeguards such as Standard Contractual Clauses (SCCs) to ensure appropriate protection.
12. Policy Updates
We may update this policy from time to time. Changes will be posted on this page, with an updated “Effective Date.” We encourage you to check regularly for updates.
13. Contact Us
If you have any questions or wish to exercise your rights, please contact us:
📧 Email: [email protected]
🌐 Contact Page: https://yourfinances.today/contact/