Privacy Policy

GlobalFinHub ("we," "our," "us") respects your privacy and is committed to protecting your personal data. This Privacy Policy explains what data we collect, how we use it, and your rights under applicable privacy laws including the General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA), and the Digital Personal Data Protection Act (DPDPA).

1. Information We Collect

Calculator Inputs

All calculations run entirely in your browser using client-side JavaScript. We do not transmit, store, or have access to any financial data you enter into our calculators. Your numbers never leave your device.

Email Address

If you voluntarily subscribe to our newsletter or download a lead magnet, we collect your email address. We use this solely to send you financial tool updates, educational content, and occasional promotional material. You can unsubscribe at any time via the link in every email.

Analytics Data

We use Google Analytics 4 (GA4) to understand how visitors use our site. GA4 collects anonymized data including pages visited, time on page, device type, browser, approximate geographic location (country/city level), and referral source. GA4 does not collect personally identifiable information. Analytics cookies are only loaded after you provide consent via our cookie banner.

Advertising Data

We use Google AdSense to display advertisements. AdSense may use cookies and web beacons to serve ads based on your prior visits to our site or other websites. Advertising cookies are only loaded after you provide consent. You can opt out of personalized advertising at Google Ads Settings.

Server Logs

Our hosting provider (Vercel) and CDN (Cloudflare) automatically log standard server information including IP addresses, browser type, referring pages, and timestamps. This data is used for security monitoring, DDoS protection, and performance optimization. It is not used for marketing or tracking purposes.

2. How We Use Your Information

• To provide and maintain our financial calculators and content
• To send newsletters and updates (only if you subscribed)
• To analyze site usage and improve our tools (via anonymized analytics)
• To display relevant advertisements (via Google AdSense)
• To protect the site against security threats, DDoS attacks, and abuse
• To comply with legal obligations

We do not sell, rent, or share your personal data with third parties for their marketing purposes.

3. Cookies

We use the following categories of cookies:

You can manage your cookie preferences at any time using our cookie consent banner or by adjusting your browser settings. Rejecting non-essential cookies will not affect site functionality.

4. Third-Party Services

We use the following third-party services that may process your data:

• Google Analytics 4 — anonymized site usage analytics
• Google AdSense — advertising (after consent)
• Cloudflare — CDN, security, and DDoS protection
• Vercel — website hosting
• Email service provider — newsletter delivery (e.g., ConvertKit or Mailchimp)

Each of these services has its own privacy policy governing the data they process.

5. Data Retention

• Email addresses: Retained until you unsubscribe, then deleted within 30 days
• Analytics data: Retained by Google Analytics for 14 months, then automatically deleted
• Server logs: Retained by Cloudflare and Vercel per their standard retention policies (typically 30-90 days)
• Calculator inputs: Not retained — processed in your browser only

6. Your Rights

For All Users

• Unsubscribe from our newsletter at any time via the link in any email
• Opt out of analytics tracking by rejecting cookies via our consent banner
• Opt out of personalized ads at Google Ads Settings

GDPR Rights (EU/UK Residents)

Under the General Data Protection Regulation, you have the right to:

• Access — Request a copy of the personal data we hold about you
• Rectification — Request correction of inaccurate data
• Erasure — Request deletion of your personal data ("right to be forgotten")
• Restriction — Request restriction of processing
• Portability — Request transfer of your data in a machine-readable format
• Objection — Object to processing based on legitimate interests

To exercise these rights, contact us at [email protected]. We will respond within 30 days.

CCPA Rights (California Residents)

Under the California Consumer Privacy Act, you have the right to:

• Know what personal information we collect and how it is used
• Request deletion of your personal information
• Opt out of the sale of personal information — we do not sell your personal information
• Non-discrimination for exercising your privacy rights

DPDPA Rights (India Residents)

Under the Digital Personal Data Protection Act, 2023, you have the right to:

• Access a summary of your personal data and processing activities
• Correction and erasure of inaccurate or incomplete data
• Grievance redressal — contact us and we will address your concern within 30 days
• Nominate an individual to exercise your rights on your behalf

7. Children's Privacy

The Site is not directed at children under the age of 13 (or 16 in the EU). We do not knowingly collect personal information from children. If you believe a child has provided us with personal data, please contact us and we will delete it promptly.

8. International Data Transfers

Your data may be processed on servers located in the United States and other countries where our service providers operate. By using the Site, you acknowledge that your data may be transferred internationally. We ensure appropriate safeguards are in place for such transfers.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date. We encourage you to review this page periodically. Continued use of the Site after changes constitutes acceptance.

10. Contact Us

For privacy-related questions or to exercise your rights, contact us at:

• Email: [email protected]
• Contact page: globalfinhub.com/contact