Privacy Policy

Finvora ("we", "our", or "us") operates the website finvorafinance.com (the "Site"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Site or use our services.

We take your privacy seriously. This policy is designed to help you understand what data we collect, why we collect it, and your rights regarding that data. By accessing or using Finvora, you agree to the practices described in this Privacy Policy.

This policy complies with applicable data protection laws including the General Data Protection Regulation (GDPR) for users in the European Economic Area, the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) for California residents, and other applicable state and federal privacy laws.

We collect several types of information from and about users of our Site, which we group into the following categories:

Personal Information You Provide

When you voluntarily provide it to us — such as when you subscribe to our newsletter, contact us through forms, create an account, or participate in surveys — we may collect:

• Name and email address
• Phone number (if provided voluntarily)
• Demographic information such as age range or location
• Communication preferences
• Any other information you choose to include in messages to us

Automatically Collected Information

As you navigate through and interact with our Site, we may use automatic data collection technologies including cookies, web beacons, and analytics tools to collect:

• Usage details — pages viewed, time spent, links clicked, referral sources
• Device information — IP address, browser type, operating system, device identifiers
• Location data — general geographic location derived from your IP address
• Interaction data — how you engage with our calculators, articles, and tools

Financial Information

Our calculators and tools are designed to run entirely in your browser. We do not collect or store the financial numbers you enter into our budgeting, compound interest, debt payoff, or savings calculators. All calculations are performed locally on your device.

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

• To operate and maintain our Site — ensuring our content, calculators, and tools function correctly
• To send newsletters — delivering financial tips, guides, and updates you have subscribed to receive
• To improve user experience — analyzing how users interact with our content to make it more useful
• To respond to inquiries — answering questions, feedback, or support requests you submit
• To monitor for security — detecting and preventing fraud, abuse, or technical issues
• To comply with legal obligations — meeting applicable laws, regulations, or lawful requests

We will never sell your personal information to third parties for their own marketing purposes.

Finvora uses cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and understand where our visitors come from. For detailed information about the cookies we use, please see our Cookie Policy.

Types of Cookies We Use

Most web browsers allow you to control cookies through their settings. You can choose to block or delete cookies, though this may affect certain features of our Site.

We may share information with trusted third-party service providers who help us operate our business. These partners are contractually bound to use your information only for the specific services they provide to us and to protect it in accordance with this Privacy Policy.

Service Providers We Use

• Supabase — for secure database hosting and authentication services
• Email service providers — for delivering our newsletter and responding to contact form submissions
• Analytics providers — for understanding Site usage and performance
• Cloud hosting — for serving our website content securely and reliably

We do not sell, rent, or trade your personal information with third parties for their direct marketing purposes.

Affiliate Partners

Finvora participates in affiliate marketing programs with financial institutions and product providers. When you click on affiliate links, the third-party site may set cookies or collect information according to their own privacy policies. We encourage you to review the privacy policies of any external sites you visit.

Finvora displays advertisements through Google AdSense, a third-party advertising service operated by Google LLC. When you visit our Site, Google may use cookies, web beacons, and similar technologies to serve ads based on your prior visits to Finvora and other websites across the Internet.

How Google Uses Your Data

Google's advertising cookies enable it and its partners to serve ads based on your visit to Finvora and/or other sites on the Internet. Google may collect the following types of information through AdSense:

• Your IP address and approximate geographic location
• Browser type, device type, and operating system
• Pages you view on Finvora and interaction with ads
• Referring URL and time spent on pages
• Advertising identifiers (on mobile devices)

Personalized Advertising

Google may use the data collected to personalize the advertisements you see on Finvora and across other websites. This is known as "interest-based advertising" or "behavioral advertising." The ads you see may be tailored based on your inferred interests, demographics, and browsing history.

You can opt out of personalized advertising by visiting Google Ad Settings or by installing the Google Analytics Opt-Out Browser Add-on. You can also opt out of a third-party vendor's use of cookies for personalized advertising by visiting AboutAds.info.

Children's Privacy & Ads

In compliance with the Children's Online Privacy Protection Act (COPPA) and Google AdSense policies, we do not serve personalized advertisements to users known to be under the age of 13. If you are a parent or guardian and believe your child is seeing personalized ads on Finvora, please contact us immediately.

Third-Party Vendor Partners

Third-party vendors, including Google, use cookies to serve ads based on a user's prior visits to Finvora or other websites. Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to Finvora and/or other sites on the Internet.

You may find a complete list of Google's advertising technology providers at Google's Vendor List.

Your Ad Choices

In addition to Google's opt-out tools, you can control ad tracking through your browser or device settings:

• Enable "Do Not Track" in your browser settings
• Clear or block third-party cookies in your browser preferences
• Use private/incognito browsing modes
• Visit the Network Advertising Initiative opt-out page

For more information about how Google handles your data, please review Google's Privacy Policy and How Google Uses Information from Sites or Apps That Use Our Services.

We implement reasonable administrative, technical, and physical safeguards to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

Our security measures include:

• SSL/TLS encryption for all data transmitted to and from our Site
• Secure database hosting with industry-standard access controls
• Regular security assessments and monitoring
• Limited staff access to personal data on a need-to-know basis
• Password hashing and secure authentication practices

While we strive to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security but continuously work to improve our protective measures.

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

For All Users

• Access — Request a copy of the personal data we hold about you
• Correction — Request that we correct inaccurate or incomplete information
• Deletion — Request that we delete your personal data (subject to legal exceptions)
• Opt-out — Unsubscribe from marketing emails at any time using the link in every newsletter

For California Residents (CCPA/CPRA)

• Right to know — Request disclosure of the categories and specific pieces of personal information collected
• Right to delete — Request deletion of personal information subject to certain exceptions
• Right to opt-out — Opt-out of the sale or sharing of personal information (we do not sell personal information)
• Right to non-discrimination — We will not discriminate against you for exercising your privacy rights

For EEA Users (GDPR)

• Right to object — Object to processing based on legitimate interests or direct marketing
• Right to restrict processing — Request that we limit how we use your data
• Right to data portability — Receive your data in a structured, machine-readable format
• Right to withdraw consent — Withdraw consent at any time where processing is based on consent

To exercise any of these rights, please contact us at privacy@finvorafinance.com. We will respond within the timeframe required by applicable law.

Finvora is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If we learn that we have collected personal information from a child under 13, we will promptly delete that information.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately at privacy@finvorafinance.com.

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or our services. When we make material changes, we will update the "Last updated" date at the top of this page and may notify you via email or a notice on our Site.

We encourage you to review this Privacy Policy periodically. Your continued use of Finvora after any changes indicates your acceptance of the revised policy.

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please reach out to us:

You also have the right to lodge a complaint with your local data protection authority if you believe we have not handled your personal data in accordance with applicable law.