Effective Date: November 3, 2025
At FINNANCES, your privacy is important to us.
It outlines your rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) in the United States, the General Data Protection Regulation (GDPR) in the European Union and the United Kingdom, and the Brazilian General Data Protection Law (Lei Geral de Proteção de Dados — LGPD, Lei nº 13.709/2018), applicable because this Site is operated from Brazilian territory.
We believe in transparency. We have made every effort to write this policy in clear and plain language. If anything is unclear, please contact us.
By using our Site, you acknowledge the practices described in this Privacy Policy.
Your Privacy Rights — Quick Navigation
Depending on your location, different privacy laws may grant you specific rights over your personal data. To go directly to the rights that apply to you:
- California residents (USA): see Section 10 — CCPA/CPRA Rights
- European Economic Area (EEA) and United Kingdom residents: see Section 11 — GDPR / UK GDPR Rights
- Brazil residents: see Section 12 — LGPD Rights
- Residents of other U.S. states with comprehensive privacy laws (Virginia, Colorado, Connecticut, Texas, Utah, and others): rights similar to Section 10 apply — contact us at contact@finnances.com with subject line “Privacy Request”
Regardless of your location, you may always contact us at contact@finnances.com with any questions about how we process your personal data.
1. Information We Collect
We may collect the following categories of information:
A. Personal Information You Provide
When you interact with our Site (for example, by subscribing to our newsletter, commenting, or contacting us), we may collect:
- Your name
- Email address
- Any information you voluntarily provide (e.g., comments, messages, or feedback)
B. Automatically Collected Information
When you visit the Site, we automatically collect certain data using cookies and similar technologies, such as:
- IP address
- Browser type and version
- Operating system
- Pages visited, time spent on site, and referring URL
- Device type and geographic location (approximate)
C. Third-Party Data
We may receive information from analytics and advertising partners (such as Google Analytics and Google AdSense) to help us understand user behavior and improve our services.
2. Data Controller
FINNANCES is operated from Brazil and acts as the data controller responsible for the personal data processed through this Site.
For privacy, security, and operational reasons, the Site does not publicly disclose its full physical address. Individuals exercising their privacy rights, regulatory authorities, or other parties with a lawful basis may request additional identification or contact information through the channels provided in this Policy where required by applicable law.
If you have questions regarding this Privacy Policy or your personal data, you may contact us at:
Email: contact@finnances.com
3. How We Use and Share Your Information
We use the collected information to:
- Operate, maintain, and improve the Site and its content
- Personalize your experience
- Respond to your comments or inquiries
- Send newsletters and marketing communications (only if you opt in)
- Monitor and analyze traffic and usage trends
- Display personalized advertising through third-party networks (e.g., Google AdSense)
- Detect, prevent, and address technical or security issues
- Comply with legal obligations
A Note on Advertising and “Sharing”
We do not sell your personal information for money. However, we partner with third-party advertising networks, such as Google AdSense, to display ads on our Site. These partners may use cookies and similar technologies to collect information about your browsing activity to show you personalized ads.
Under the broad definitions of the California Consumer Privacy Act (CCPA/CPRA), the use of these advertising cookies may be considered a “sharing” of personal information, or a “sale” in the specific context of targeted advertising involving minors.
You have the right to opt out of this data processing for targeted advertising purposes at any time.
- How to Opt Out: You can exercise this right by visiting our Cookie Settings page or by configuring your preferences directly through our consent banner.
- Automated Decision-Making: Our advertising partners may use automated systems to decide which ads to show you based on your inferred interests. We do not use your personal data to make automated decisions that produce legal effects or significantly affect you in a similar way.
In certain cases, we may conduct internal risk assessments regarding our data processing activities, as required by law, to ensure your data is protected.
4. Cookies and Tracking Technologies
We use cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and deliver advertising through partners such as Google AdSense and Google Analytics.
Cookies help us understand how visitors use our Site and improve its functionality.
For visitors located in the European Economic Area (EEA), the United Kingdom, Brazil, and other jurisdictions requiring prior consent for non-essential data processing, non-essential cookies — including analytics, advertising, and personalization cookies — are activated only after your consent has been obtained, in accordance with the GDPR, UK GDPR, and LGPD, as applicable.
For detailed information about the types of cookies we use, their purposes, and how you can manage your preferences, please visit our Cookie Policy.
5. International Data Transfers
Some third-party service providers used on this Site may process or store personal data outside your country of residence, including in the United States.
Because this Site is operated from Brazil, personal data is processed in Brazilian territory before any international transfers occur. For details on how cookie-related data transfers are handled, please review our Cookie Policy.
Such providers may rely on legal transfer mechanisms approved under applicable data protection laws, including Standard Contractual Clauses (SCCs) approved by the European Commission.
6. Third-Party Services and Links
Our Site may include links to external websites and use third-party services such as Google Analytics, Google AdSense, and email newsletter providers (e.g., Intuit Mailchimp).
These third parties may collect information in accordance with their own privacy policies.
We do not control or assume responsibility for the privacy practices of other sites.
7. Data Security
We use commercially reasonable measures to protect your data from unauthorized access, alteration, or destruction.
However, no method of transmission over the Internet is 100% secure.
By using our Site, you acknowledge and accept this risk.
8. Data Retention
We retain your personal data only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law.
9. Children’s Privacy
Our Site is not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If we become aware that a child under 13 has provided us with personal data, we will promptly delete it.
Users Between the Ages of 13 and 17
If you are between 13 and 17 years of age, you may access the Site only with the prior knowledge and consent of a parent or legal guardian. In jurisdictions where the applicable age for digital consent is higher (including 16 years under the GDPR in certain EU member states, or 18 years in other jurisdictions), the higher age threshold shall apply.
We do not knowingly collect, sell, or share personal information of individuals under 16 years of age for targeted advertising purposes.
Parents or guardians who believe a child has provided personal data without appropriate consent may contact us at contact@finnances.com.
10. United States – California Privacy Rights (CCPA/CPRA Notice)
If you are a resident of California, you have the following rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):
- Right to Know what personal information we collect, use, disclose, and share.
- Right to Delete personal information we have collected from you (subject to certain exceptions).
- Right to Correct inaccurate personal information we hold about you.
- Right to Opt Out of the “Sale” or “Sharing” of your personal information for targeted advertising.
- Right to Limit the Use of Sensitive Personal Information if we were to collect it for purposes beyond what is necessary.
- Right to Non-Discrimination for exercising any of your privacy rights.
To Exercise Your Rights
Please contact us at contact@finnances.com with “CCPA Request” in the subject line.
We may need to verify your identity before processing your request, which may require you to provide additional information to match our records.
Authorized Agents
You may designate an authorized agent to make a request on your behalf. We will require written proof of authorization and may verify your identity directly.
We do not knowingly collect, sell, or share personal information of minors under 16 years of age.
11. European Union and United Kingdom – GDPR Notice
If you are located in the European Economic Area (EEA), the United Kingdom, or similar jurisdictions, we process your personal data under the following legal bases:
- Your Consent: For marketing communications and the use of non-essential cookies, including analytics and advertising cookies where required by law.
- Legitimate Business Interests: For security, fraud prevention, basic site functionality, and improving our services, strictly where such interests are not overridden by your fundamental rights.
- Compliance with Legal Obligations: Where required by law.
Under the GDPR, you have the following comprehensive rights:
- Right to Access – Obtain a copy of your personal data.
- Right to Rectify – Correct inaccurate or incomplete data.
- Right to Erasure (“Right to be Forgotten”) – Request deletion of your data.
- Right to Restrict Processing – Limit how we use your data.
- Right to Object – Object to processing based on legitimate interests or direct marketing.
- Right to Data Portability – Receive your data in a machine-readable format.
- Right to Withdraw Consent – Withdraw consent at any time, without affecting the lawfulness of processing done before the withdrawal.
To exercise any of these rights, please contact us at contact@finnances.com.
We will respond within one month as required by law. If we need to extend this period or verify your identity, we will inform you promptly.
If you believe your data protection rights have been violated, you have the right to lodge a complaint with the supervisory authority in your EU country or with the UK Information Commissioner’s Office (ICO).
12. Brazil — LGPD Notice
This Site is operated from the Federative Republic of Brazil. Accordingly, the Brazilian General Data Protection Law (Lei Geral de Proteção de Dados — LGPD, Lei nº 13.709/2018) applies to all personal data processing activities conducted through this Site.
Legal Bases Under the LGPD
We process personal data under the following legal bases provided by Art. 7 of the LGPD:
- Consent (Art. 7, I): for newsletter subscriptions, non-essential cookies, and personalized advertising;
- Legitimate Interest (Art. 7, IX): for website analytics, fraud prevention, and security operations, provided such interests do not override the data subject’s fundamental rights and freedoms;
- Legal Obligation (Art. 7, II): where processing is required to comply with applicable Brazilian law or regulatory requirements.
Your Rights Under the LGPD
If you are located in Brazil, or if your personal data is processed in Brazilian territory, you have the following rights under Art. 18 of the LGPD:
- Confirmation of whether we process your personal data;
- Access to your personal data;
- Correction of incomplete, inaccurate, or outdated data;
- Anonymization, blocking, or deletion of unnecessary or excessive data;
- Portability of your data to another service provider;
- Deletion of personal data processed with your consent;
- Information about third parties with whom we share your data;
- Information about the possibility of denying consent and its consequences;
- Revocation of consent at any time.
To exercise these rights, contact us at: contact@finnances.com
Subject line: “LGPD Request”
You also have the right to lodge a complaint with Brazil’s national data protection authority: Autoridade Nacional de Proteção de Dados (ANPD) — www.gov.br/anpd
13. Do Not Track Signals
Some web browsers may transmit “Do Not Track” (“DNT”) signals. Because there is currently no universally accepted standard for responding to DNT signals, this Site does not currently respond differently to such signals.
14. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect legal or operational changes.
All updates will be posted on this page with a revised “Effective Date.”
Your continued use of the Site after such changes constitutes acknowledgment of the updated policy.
15. Contact Us
If you have general questions about this Privacy Policy or our data practices, please contact us at: 📧 contact@finnances.com
For privacy rights requests (GDPR, LGPD, CCPA), legal matters, or data protection concerns: 📧 legal@finnances.com
We aim to respond to all privacy-related requests within 30 days, or within the timeframe required by applicable law.
