Privacy Policy

Fincultora ("we," "our," or "us") operates the website at fincultora.com (the "Platform"). This Privacy Policy explains how we handle information about visitors. We are committed to protecting your privacy and handling data responsibly.

1. Who We Are

Fincultora is an independent, non-commercial research and educational platform. We do not sell financial products, offer paid services, or monetize user data through advertising. Our mission is to publish free, independent research on financial culture globally.

For privacy-related inquiries, contact us at: info@fincultora.com

2. Information We Collect

2.1 Information You Provide

We collect information you voluntarily submit through our contact form, including:

• Your name and email address
• Your organization or affiliation (if provided)
• The content of your message
• Your selected inquiry type

We use this information solely to respond to your inquiry. We do not add you to mailing lists without explicit consent.

2.2 Automatically Collected Information

When you visit our Platform, we may automatically collect certain technical information, including:

• IP address (anonymized where possible)
• Browser type and version
• Operating system
• Pages visited and time spent on each page
• Referring URL
• Date and time of your visit

This data is collected through server logs and, with your consent, through cookies. It is used solely for platform analytics and security.

2.3 Cookies

We use cookies to improve your experience. See our Cookie Policy for full details. You can manage cookie preferences at any time.

3. How We Use Your Information

We use collected information to:

• Respond to inquiries submitted via our contact form
• Analyze platform usage to improve content and user experience
• Maintain site security and prevent abuse
• Comply with applicable legal obligations

We do not use your data for advertising, profiling, or any commercial purpose.

4. Legal Basis for Processing (GDPR)

If you are located in the European Economic Area (EEA), our legal bases for processing personal data are:

• Consent — for cookies and analytics tracking
• Legitimate interests — for server security logs and basic analytics necessary for platform operation
• Contract performance — for responding to contact form submissions

5. Data Sharing

We do not sell, trade, or rent your personal data to third parties. We may share data with:

• Service providers — such as web hosting providers, solely for operating the Platform. These providers are contractually bound to process data only as instructed.
• Legal authorities — if required by law, court order, or to protect our legal rights.

6. Data Retention

Contact form submissions are retained for up to 24 months for correspondence purposes, then permanently deleted. Anonymized analytics data may be retained for up to 36 months. Server access logs are typically retained for 90 days.

7. Your Rights

Depending on your location, you may have the following rights regarding your personal data:

• The right to access the data we hold about you
• The right to correct inaccurate data
• The right to request deletion of your data
• The right to restrict or object to processing
• The right to data portability
• The right to withdraw consent at any time

To exercise any of these rights, contact us at info@fincultora.com. We will respond within 30 days.

8. Security

We implement appropriate technical and organizational measures to protect your information against unauthorized access, loss, or misuse. However, no transmission over the internet can be guaranteed as completely secure.

9. Third-Party Links

Our Platform may reference or link to third-party websites and data sources (such as OECD, World Bank, academic journals). We are not responsible for the privacy practices of those sites. We encourage you to review their privacy policies separately.

10. Children's Privacy

Our Platform is not directed at children under the age of 16. We do not knowingly collect personal data from children. If you believe a child has provided us with personal data, please contact us and we will delete it promptly.

11. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will update the "Last updated" date at the top of this page. Continued use of the Platform after changes constitutes acceptance of the updated policy.

12. Contact

For privacy-related questions or to exercise your rights, contact us at:

• Email: info@fincultora.com
• Website: fincultora.com