PRIVACY POLICY

Effective Date: 13-05-2025
Last Updated: 13-05-2025

This Privacy Policy explains how Financial Initiatives (https://financial-initiatives.com) collects, uses, and discloses your information, in compliance with Google AdSense policies, GDPR, and other applicable privacy laws.

1. INFORMATION WE COLLECT

a. Personal Information:

Name, email address (via contact forms, newsletter sign-ups)
User-submitted comments or inquiries

b. Automatically Collected Information:

IP address
Browser type and version
Device and OS information
Time and duration of visit
Pages visited
Referral source

2. USE OF COOKIES AND TRACKING TECHNOLOGIES

We use cookies, pixels, and tracking tools to:

Store user preferences
Measure website traffic and user behaviour
Personalize content and ads (via Google AdSense)
Improve site functionality and user experience

You can control or delete cookies through your browser settings. Learn more at All About Cookies.

3. THIRD-PARTY SERVICES

Google AdSense

This site uses Google AdSense for ad delivery.
Google may use cookies or web beacons to personalize ads based on your browsing behaviour.
Google’s use of advertising cookies enables it and its partners to serve ads to users based on their visit to our site and other sites.

You can opt out of personalized ads via Google Ads Settings.

For more information, see: How Google uses data

Google Analytics

We use Google Analytics to monitor website performance. It collects non-personally identifiable data via cookies and IP anonymization.

4. LEGAL BASIS FOR PROCESSING DATA (GDPR)

We process your data based on:

Your consent (e.g., accepting cookies)
Contractual necessity (e.g., responding to contact forms)
Legitimate interests (e.g., improving our website)
Legal obligation (e.g., record-keeping)

5. DATA SHARING AND DISCLOSURE

We do not sell your personal data. We may share data with:

Service providers (hosting, analytics, email platforms)
Advertising partners (e.g., Google AdSense)
Government authorities when legally required

6. DATA RETENTION

We retain your information only as long as necessary for the purposes outlined in this policy or to comply with legal obligations.

7. SECURITY

We take reasonable steps to secure your data using:

HTTPS encryption
Firewalls and malware scanning
Secure third-party hosting

However, no method of transmission over the internet is 100% secure.

8. YOUR RIGHTS

Under GDPR and similar laws, you have the right to:

Access your personal data
Correct inaccurate information
Request deletion (“Right to be Forgotten”)
Object to or restrict data processing
Withdraw consent at any time

To exercise these rights, email: privacy@financial-initiatives.com

9. CHILDREN’S PRIVACY

This site is not intended for children under 13. We do not knowingly collect data from minors. If we become aware of such data, we will delete it immediately.

10. COOKIE CONSENT

We use a cookie consent banner to obtain user consent for cookies, per EU Cookie Law. Continued use of the website after seeing the banner constitutes consent.

11. CHANGES TO THIS POLICY

We reserve the right to update this Privacy Policy. Changes will be posted on this page with a revised effective date.

CONTACT US

Financial Initiatives
Website: https://financial-initiatives.com
Email: admin@financial-initiatives.com | privacy@financial-initiatives.com