Financulate.com Privacy Policy

Last Updated: June 27, 2025

At Financulate (“we,” “us,” or “our”), we are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website financulate.com (the “Site”) and use our financial calculators, tools, and resources.

Please read this policy carefully. By using the Site, you consent to the practices described herein. If you do not agree with the terms of this policy, please do not access the Site.

Information We Collect

We collect information that identifies, relates to, describes, or could reasonably be linked, directly or indirectly, with you (“Personal Information”). The types of information we collect depend on how you interact with the Site:

  • Information You Voluntarily Provide:

    • Contact Information: If you contact us via forms or email (e.g., for support, feedback, newsletter signup), we collect your name and email address.

    • User Content: Information you submit in comments on blog posts (if applicable).

    • Feedback/Surveys: Information provided if you participate in surveys or provide feedback.

  • Information Collected Automatically (Non-Personal):

    • Usage Data: Information about your interaction with the Site, such as pages visited, time spent, links clicked, browser type, operating system, device type, IP address (which may be considered Personal Information in some jurisdictions), and approximate location (derived from IP, typically at city/country level).

    • Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies to enhance user experience, analyze Site traffic and trends, and understand user behavior. See our Cookie Policy below for more details.

  • Critical Note Regarding Financial Calculators:

    • Calculator Inputs: When you use our interactive financial calculators, you enter data (e.g., income, expenses, savings goals, investment amounts, loan details). We do NOT store this specific financial input data you enter into the calculators on our servers. Calculations typically happen locally in your browser. The inputs are volatile and discarded once you close the calculator, refresh the page, or navigate away. We treat this data with the utmost confidentiality during your session.

    • Aggregated/Anonymous Calculator Data: We may collect aggregated, anonymized statistics about calculator usage (e.g., which calculator is used most, average inputs stripped of all personal identifiers) to improve our tools and understand user needs. This data cannot be linked back to you.

How We Use Your Information

We use the information we collect for the following purposes:

  • To Provide and Operate the Site: To deliver the calculators, tools, articles, and other content you request.

  • To Improve the Site: To analyze usage patterns, understand user preferences, diagnose technical problems, and enhance the functionality, performance, and content of our calculators and resources.

  • To Communicate With You: To respond to your inquiries, comments, or requests for support; to send you administrative information (e.g., updates to policies); and, only if you explicitly opt-in, to send you newsletters or marketing communications about Financulate (you can unsubscribe anytime).

  • To Ensure Security: To detect, prevent, and address security issues, fraud, or other potentially prohibited or illegal activities.

  • For Legal Compliance: To comply with applicable laws, regulations, legal processes, or enforceable governmental requests.

How We Share Your Information

We do not sell, rent, or trade your Personal Information to third parties for their marketing purposes. We may share information in the following limited circumstances:

  • Service Providers: We may share information with trusted third-party service providers who perform functions on our behalf under strict confidentiality agreements. These include:

    • Website hosting providers

    • Analytics providers (e.g., Google Analytics – see below)

    • Email service providers (for newsletters/support)

    • Customer support platforms

    • These providers are only given the information necessary to perform their specific functions and are prohibited from using it for other purposes.

  • Legal Requirements: We may disclose information if required by law, subpoena, court order, or other legal process; to investigate, prevent, or take action regarding suspected or actual illegal activities (including fraud); or to protect the safety, rights, or property of Financulate, our users, or the public.

  • Business Transfers: In the event of a merger, acquisition, reorganization, bankruptcy, or sale of all or a portion of our assets, your information may be transferred as part of that transaction. We will notify you via email and/or a prominent notice on our Site of any such change in ownership or control.

Cookies and Tracking Technologies

  • What are Cookies? Cookies are small text files placed on your device when you visit websites. Web beacons (pixels/tags) are small electronic files used to track navigation.

  • How We Use Them:

    • Essential: Necessary for the Site to function (e.g., session cookies for calculator functionality).

    • Performance/Analytics: Help us understand how visitors use the Site (e.g., Google Analytics). This data is aggregated and anonymous.

    • Functionality: Remember your preferences (e.g., dark mode setting, if implemented).

    • Advertising (If Applicable): If we run ads, we or our partners might use cookies for interest-based advertising. (Be clear if you do/don’t use advertising cookies currently).

  • Your Choices:

    • Most web browsers allow you to control cookies through their settings (usually found under “Options” or “Preferences”). You can usually set your browser to refuse all cookies or to indicate when a cookie is being sent.

    • You can opt-out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on.

    • We will obtain your consent (via a cookie banner) before placing non-essential cookies, as required by regulations like GDPR.

Data Security

We implement reasonable administrative, technical, and physical security measures designed to protect your Personal Information from unauthorized access, disclosure, alteration, or destruction. These include encryption (SSL/TLS for data in transit), secure server configurations, and access controls.

However, no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee its absolute security.

Your Privacy Rights (Depending on Your Location)

Depending on your jurisdiction (such as under GDPR or CCPA), you may have certain rights regarding your Personal Information:

  • Access: Request to know what Personal Information we have about you.

  • Correction: Request correction of inaccurate Personal Information.

  • Deletion: Request deletion of your Personal Information (subject to certain exceptions).

  • Opt-Out of Sale/Sharing: Request to opt-out of the “sale” or “sharing” of your Personal Information (as defined by applicable law – note we do not sell data).

  • Portability: Request a copy of your Personal Information in a portable format.

  • Objection/Restriction: Object to or request restriction of certain processing.

  • Withdraw Consent: Withdraw consent you previously provided (e.g., for marketing emails).

To Exercise These Rights: Please contact us at financulate@gmail.com We will respond to your request within the timeframes required by applicable law and may need to verify your identity before fulfilling it. We will not discriminate against you for exercising your rights.

Children's Privacy

The Site is not intended for individuals under the age of 13. We do not knowingly collect Personal Information from children under this age. If you believe we have collected such information, please contact us immediately so we can delete it.

Links to Other Websites

Our Site may contain links to third-party websites (e.g., references to regulatory bodies, news sources). This Privacy Policy applies only to Financulate.com. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites. We encourage you to review the privacy policies of any site you visit.

Data Retention

We retain your Personal Information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law (e.g., for tax, legal, or accounting requirements). Aggregated/anonymous data may be retained indefinitely.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or for other reasons. The “Last Updated” date at the top will indicate when revisions were made. We will notify you of material changes by posting the new policy on the Site prominently and/or, where required by law, by email. Your continued use of the Site after the effective date of the revised policy constitutes your acceptance of the changes.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at:

Email: financulate@gmail.com

Contact Form: Contact Link