Privacy Policy | FintechBulletins

1. Information We Collect

Information you provide:

• Email address — when you subscribe to our newsletter.
• Correspondence — anything you include when you contact us by email.

Information collected automatically:

• Usage and device data — IP address, browser and device type, operating system, pages visited, time spent, referring URLs, and approximate location (country/city level), collected via cookies and analytics tools. See our Cookie Policy.

What we do not collect: We do not ask for financial account details, government IDs, or payment information. Values you enter into our calculators (including the Zakat Calculator) are processed in your browser and are not stored or transmitted to us.

2. How We Use Your Information

• Send you our newsletter and site updates (only if you subscribed).
• Operate, maintain, secure, and improve the website.
• Understand aggregate usage through analytics.
• Display advertising, where present.
• Detect abuse and comply with legal obligations.

3. Legal Bases (EEA/UK Users)

Where the GDPR or UK GDPR applies, we process your data on these bases: consent (newsletter, non-essential cookies), legitimate interests (site operation, security, aggregate analytics), and legal obligation (where we must retain or disclose data by law).

4. Sharing Your Information

We do not sell your personal information. We share it only with:

• Service providers — hosting (Vercel), our newsletter/email provider, analytics, and advertising networks, each acting under their own data processing terms.
• Legal authorities — if required by law, court order, or to protect our rights or users' safety.
• Successors — if the site is transferred or merged, your data may transfer with it under this policy.

Advertising cookies may constitute "sharing" under California law; see Section 7 for your opt-out rights.

5. International Transfers

Our site is hosted on globally distributed infrastructure, so your data may be processed outside your country, including in the United States. Where required, transfers rely on appropriate safeguards such as Standard Contractual Clauses.

6. Data Retention

• Newsletter emails: kept until you unsubscribe or ask us to delete them.
• Analytics data: retained per our analytics provider's settings.
• We keep personal data only as long as needed for the purposes above.

7. Your Rights

EEA/UK (GDPR): You may request access, correction, deletion, restriction, or portability of your data, object to processing, and withdraw consent at any time. You may also complain to your local supervisory authority.

California (CCPA/CPRA): You may request to know, correct, or delete personal information we hold, and opt out of the "sale" or "sharing" of personal information (which we effect through cookie controls). We will not discriminate against you for exercising these rights.

Everyone: You can unsubscribe from the newsletter via the link in any email. To exercise any right, email us at the address in Section 12. We will respond within the time required by applicable law.

8. Children's Privacy

The site is not directed at children under 16, and we do not knowingly collect their personal information. If you believe a child has provided us data, contact us and we will delete it.

9. Third-Party Links

Our site links to third-party news publishers, GitHub, LinkedIn, and other external sites. Their privacy practices are their own; this policy does not cover them.

10. Security

We use reasonable technical and organizational measures to protect your data. No method of transmission or storage is 100% secure, so we cannot guarantee absolute security.

11. Changes to This Policy

We may update this policy from time to time. The effective date above reflects the latest version; material changes will be highlighted on the site.

12. Contact

Questions or requests: muzammilmax86@gmail.com