Privacy Policy

1. Introduction

Welcome to Finlume ("we," "our," or "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website finlume.site (the "Site") and use our services.

Please read this Privacy Policy carefully. By accessing or using our Site, you acknowledge that you have read, understood, and agree to be bound by all the terms of this Privacy Policy. If you do not agree with this policy, please do not access or use our Site.

2. Information We Collect

2.1 Personal Information You Provide

We collect personal information that you voluntarily provide to us when you:

• Fill out contact forms
• Subscribe to our newsletter or download our white papers
• Register for an account
• Request information about our services
• Communicate with us via email or other channels

This information may include:

• Contact Information: Name, email address, phone number, mailing address
• Communication Data: Any information you include in messages to us
• Preference Data: Your interests, preferences, and areas of financial concern

2.2 Automatically Collected Information

When you visit our Site, we automatically collect certain information about your device and browsing activity, including:

• Technical Data: IP address, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform
• Usage Data: Information about how you use our Site, including pages viewed, time spent on pages, links clicked, and navigation paths
• Device Data: Device type, unique device identification numbers, mobile network information

2.3 Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our Site and store certain information. Technologies we use include:

• Cookies: Small files placed on your device that enable certain features and functionality
• Web Beacons: Electronic files used to track how you navigate our Site
• Analytics Tools: Google Analytics and Facebook Pixel to understand user behavior

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Site.

3. How We Use Your Information

We use the information we collect for various purposes, including:

• Service Delivery: To provide, maintain, and improve our services and educational content
• Communication: To respond to your inquiries, send you white papers, newsletters, and marketing communications
• Personalization: To understand your preferences and provide customized content
• Analytics: To analyze how users interact with our Site and improve user experience
• Security: To detect, prevent, and address technical issues and fraudulent activity
• Legal Compliance: To comply with legal obligations and enforce our terms and conditions
• Marketing: To send promotional materials about our services (you can opt-out at any time)

4. Legal Basis for Processing (GDPR)

If you are from the European Economic Area (EEA), our legal basis for collecting and using your personal information depends on the specific context:

• Consent: You have given us explicit consent to process your information for specific purposes
• Contract: Processing is necessary for a contract we have with you
• Legal Obligation: Processing is necessary for us to comply with the law
• Legitimate Interests: Processing is in our legitimate interests and does not override your rights

5. How We Share Your Information

We do not sell your personal information. We may share your information in the following circumstances:

5.1 Service Providers

We may share your information with third-party service providers who perform services on our behalf, including:

• Email service providers
• Analytics providers (Google Analytics, Facebook)
• Hosting and cloud storage providers
• Customer relationship management (CRM) platforms

5.2 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., court orders, government agencies).

5.3 Business Transfers

If we are involved in a merger, acquisition, or asset sale, your personal information may be transferred. We will provide notice before your information is transferred and becomes subject to a different privacy policy.

5.4 With Your Consent

We may share your information for any other purpose with your explicit consent.

6. 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. When determining retention periods, we consider:

• The nature and sensitivity of the information
• The purposes for which we process your information
• Legal and regulatory requirements
• Our legitimate business interests

7. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit and at rest
• Regular security assessments and updates
• Access controls and authentication procedures
• Employee training on data protection

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

8. Your Privacy Rights

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

• Right to Access: Request copies of your personal information
• Right to Rectification: Request correction of inaccurate or incomplete information
• Right to Erasure: Request deletion of your personal information under certain circumstances
• Right to Restrict Processing: Request that we limit the processing of your information
• Right to Data Portability: Request transfer of your information to another service provider
• Right to Object: Object to our processing of your information for certain purposes
• Right to Withdraw Consent: Withdraw your consent at any time where we rely on consent

To exercise these rights, please contact us using the information provided in Section 13.

9. Third-Party Links

Our Site may contain links to third-party websites, including social media platforms. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Children's Privacy

Our Site and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you become aware that a child has provided us with personal information, please contact us, and we will take steps to delete such information.

11. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws that are different from the laws of your country. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by:

• Posting the new Privacy Policy on this page
• Updating the "Last Updated" date
• Sending an email notification (for significant changes)

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

13. Contact Us

14. Cookie Preferences

You can manage your cookie preferences through our cookie banner displayed on your first visit to the Site. You may accept all cookies, decline non-essential cookies, or customize your preferences. You can also modify your browser settings to refuse cookies, though this may affect Site functionality.

15. Do Not Track Signals

Some browsers include a "Do Not Track" (DNT) feature that signals to websites you visit that you do not want to have your online activity tracked. Our Site does not currently respond to DNT signals due to the lack of industry consensus on how to interpret these signals.

16. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including:

• The right to know what personal information is collected, used, shared, or sold
• The right to delete personal information held by businesses
• The right to opt-out of the sale of personal information
• The right to non-discrimination for exercising CCPA rights

We do not sell personal information. To exercise your CCPA rights, please contact us using the information in Section 13.

This Privacy Policy is designed to help you understand our commitment to protecting your privacy and personal information. By using our Site, you acknowledge that you have read and understood this policy.