Privacy Policy

1. Introduction

This Privacy Policy explains how this website processes personal information when users visit the site or submit a contact form. The website provides general information about Stocks and capital market concepts. All processing activities described in this document follow principles of transparency, data minimization, limited purpose, accuracy, and security. The site does not provide individualized financial, legal, or tax advice. The objective of this policy is to give users a clear understanding of what data is collected, how it is used, how long it is stored, and which rights users may exercise under applicable United States federal and state privacy laws, including CCPA/CPRA, VCDPA, CPA, CTDPA, and UCPA.

2. Categories of data collected

The website processes three primary types of information:

Technical data:
Automatically collected information such as IP address, browser type, device characteristics, operating system, approximate general location, and server log information generated when the website is accessed.

Data submitted through forms:
When users complete the contact form, they may voluntarily provide their name, email address, subject, and message content.

Cookie-generated information:
Cookies and similar technologies may store limited data on the user’s device. Details are provided in the Cookie Policy.

The website does not collect payment information, financial account identifiers, or sensitive personal data.

3. Sources of personal data

Personal information originates from two sources:

Information provided directly by users when submitting the contact form.
Information collected automatically through technical logs and cookies when users access the website.
The website does not purchase data from third-party data brokers, nor does it collect information from external commercial sources.

4. Purposes of processing and legal bases

Personal data is used only for clearly defined purposes:

Responding to user inquiries submitted through the contact form.
Maintaining the technical operation and security of the website.
Conducting non-identifying analytics to understand general usage patterns.

The legal bases for processing include:

Consent: Users must actively agree to data processing before submitting the contact form.
Legitimate interest: Technical processing needed to operate, secure, and maintain the site.
Data is not used for automated decision-making, behavioral profiling, or targeted advertising.

5. Data retention

Personal data is retained only for as long as necessary to complete the purposes described above. Contact form submissions may be kept for administrative review for a limited period. Technical data and analytics logs may be retained for different lengths of time depending on security requirements. When retention periods expire, data is deleted or anonymized. The website maintains internal procedures to ensure that data is not stored longer than required.

6. Data sharing and disclosure

The website does not sell or share personal information and does not use targeted advertising as defined under relevant U.S. state privacy laws.
Personal data may be disclosed to:

Hosting providers

Technical service providers supporting website functionality

These third parties act as processors and must follow documented instructions consistent with this Privacy Policy. Data is not provided to commercial third parties, advertisers, or unrelated entities.

7. International data transfers

Some hosting or technical processes may involve storing or processing data outside the United States. When this occurs, the website implements reasonable safeguards, such as contractual protections and technical controls, to maintain confidentiality, integrity, and availability of personal data.

8. Security measures

The website applies appropriate technical and organizational safeguards, including secure server configurations, access restrictions, encryption where appropriate, and protection against unauthorized access. Although no system is entirely risk-free, the website seeks to maintain security standards consistent with the nature of the data processed.

9. Children’s data

This website is not intended for children under the age of 16. Personal information relating to children under 16 is processed only with parental or guardian consent. If the website becomes aware that such data has been collected without appropriate involvement, reasonable steps will be taken to delete it.

10. User rights

Depending on applicable U.S. state laws, users may have rights including:

Access to personal information
Correction of inaccurate information
Deletion of personal data
Withdrawal of consent
Receipt of a portable copy of certain data
Restriction or objection to processing based on legitimate interest
Requests can be submitted using the contact details above. Responses will follow applicable legal timelines and obligations.

11. Updates to this Privacy Policy

This policy may be updated periodically. Changes will be reflected in the “Last Updated” date. Continued use of the website after changes indicates acknowledgment of the updated policy.

For more information, please use the contact details above.