Privacy Policy | Finanzapedia

1. Our Privacy Philosophy

At Finanzapedia, we believe financial sovereignty requires data sovereignty. Our core product is your trust. Therefore, we adhere to a principle of Radical Data Integrity: we collect the bare minimum of information necessary to provide our Service and empower you as a critical thinker. We do not participate in the surveillance-advertising economy. We do not use trackers from Google, Meta, or similar platforms. Our business model is aligned with your success, not the exploitation of your attention or personal data.

This policy details what little we collect, why we need it, and how you control it.

2. Information We Collect & Why (The Principle of Minimization)

This data is strictly necessary to provide the core Finanzapedia service you request.

Account Data: If you create an account, we collect your name and email address to create and secure your account. Your password is hashed and never stored in plain text.
Operational Data: The calculations, watchlists, and settings you actively create and save are stored to provide the service you use.
Security & Fraud Prevention Data: For the essential security of our platform, we automatically collect and immediately anonymize your IP address. We retain these anonymized logs for a maximum of 30 days to identify and prevent abuse or attacks.
Communication Data: If you contact us, we use your email and message contents solely to respond to you.

3. How We Use Your Information (The Principle of Purpose Limitation)

We use your information only for the specific, transparent purposes for which it was collected:

To fulfill our contract with you: Providing, operating, and securing the financial tools and data you use.
To improve our Service with your consent: Using anonymized, aggregated data to fix errors and guide feature development.
To communicate with you about your account: Sending essential service updates or security notices.

Legal Basis (For EEA/UK Users): We process "Essential" data under Contractual Necessity (Article 6(1)(b) GDPR) and Legitimate Interest in security (Article 6(1)(f)). We process "Consent-Based" data only with your explicit Opt-In Consent (Article 6(1)(a)).

4. How We Share Your Information

We do not sell, rent, or trade your personal information. Period.

We share data only under these strict conditions:

With Your Permission: For a service you direct us to use.
With Legally-Required Processors: We use a small number of sub-processors (e.g., a hosting provider, an email delivery service). We ensure they are bound by strict data protection agreements and cannot use your data for their own purposes. A current list is available upon request.
For Legal Compliance: If required by law, subpoena, or to protect vital safety interests.

5. Your Control & Rights (The Principle of Empowerment)

Your data is yours. In addition to the controls already mentioned, you have the right to:

Access, Correct, or Delete your personal data.
Export your data (data portability).
Object to processing based on legitimate interest.
Withdraw consent at any time (affects future processing only).

To exercise these rights, contact us at info@finanzapedia.com. We will respond within one month. For direct control, you can also visit your account settings to delete saved data or your entire account.

6. Data Security & Retention

Security: We implement technical measures like hashing, encryption in transit (HTTPS), and strict access controls. We regularly review our security practices.
Retention: We delete data when it's no longer needed for its purpose.
- Anonymized server logs: Deleted after 30 days.
- User account data: Retained until you delete your account. Upon deletion, all personal data is purged from our active systems within 30 days.
- Backups containing user data: Securely retained for up to 12 months for disaster recovery, then destroyed.

7. Other Important Details

International Transfers: Our infrastructure is hosted within the European Economic Area (EEA). Any transfers outside the EEA use GDPR-approved safeguards.
Children's Privacy: Our Service is not for individuals under 16. We do not knowingly collect their data.
Policy Changes: We will notify you of significant changes via email or a prominent site notice.
Contact: For privacy-specific questions: info@finanzapedia.com.