Privacy Policy

1. Introduction

FinBreezy ("we", "us", or "our") operates the website finbreezy.com (the "Site"). This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you visit our Site.

By using our Site, you agree to the collection and use of information in accordance with this policy. If you do not agree, please do not use the Site.

2. Information We Collect

a) Information you provide directly

• Email address — when you subscribe to our newsletter.
• Any other information you voluntarily submit through contact forms or email.

b) Information collected automatically

• IP address and approximate geographic location
• Browser type, version, and operating system
• Device information (screen resolution, device type)
• Pages visited, time spent on pages, referral URLs
• Currency preference stored in your browser's local storage

c) Cookies and similar technologies

• Analytics cookies — Google Analytics cookies (_ga, _gid) to understand how visitors use our Site.
• Functional storage — localStorage for remembering your currency preference.

3. How We Use Your Information

We use the information we collect to:

• Deliver and improve our website content and calculators
• Send newsletters and updates (only with your explicit consent)
• Analyse website traffic and usage patterns via Google Analytics
• Remember your preferences (e.g., currency selection)
• Comply with legal obligations

4. Legal Bases for Processing

We process your personal information based on the following lawful grounds:

• Consent — for newsletter subscriptions and non-essential cookies (analytics).
• Legitimate interest — for website security, basic site analytics, and improving our services.
• Legal obligation — to comply with applicable laws and regulations.

Under South Africa's Protection of Personal Information Act (POPIA), the EU General Data Protection Regulation (GDPR), and the California Consumer Privacy Act (CCPA), you have specific rights regarding your data — see Section 8 below.

5. Cookies & Tracking Technologies

Our Site uses cookies and similar technologies. Here is how they are used:

This site does not serve advertisements.

You can manage or disable cookies through your browser settings. Please note that disabling certain cookies may affect the functionality of our Site.

6. Third-Party Services & Data Sharing

We share data with the following third-party service providers solely for the purposes described in this policy:

• Google Analytics — anonymised usage data and IP address for site analytics.
• Newsletter provider — your email address for delivering newsletters.

We do NOT sell your personal data to third parties.

7. International Data Transfers

Our Site is accessible globally, and we use third-party services (such as Google) that may process data in countries outside your country of residence, including the United States. When your data is transferred internationally, we rely on appropriate safeguards such as Standard Contractual Clauses and the service provider's own data protection commitments.

8. Your Rights

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

South Africa (POPIA)

• Right to be notified of data collection
• Right to access your personal information
• Right to request correction or deletion
• Right to object to processing
• Right to lodge a complaint with the Information Regulator

European Union & United Kingdom (GDPR / UK GDPR)

• Right to access your data
• Right to rectification
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing
• Right to withdraw consent at any time
• Right to lodge a complaint with a supervisory authority

California, USA (CCPA / CPRA)

• Right to know what personal information is collected
• Right to delete your personal information
• Right to opt out of the sale or sharing of personal information
• Right to non-discrimination for exercising your rights
• Right to correct inaccurate personal information

India (DPDP Act)

• Right to access your personal data
• Right to correction and erasure
• Right to grievance redressal
• Right to nominate (in case of death or incapacity)

To exercise any of these rights, please contact us at admin@finbreezy.com. We will respond to your request within a reasonable timeframe and in accordance with applicable law.

9. Do Not Sell or Share My Personal Information

We do not sell or share your personal information. This site does not serve advertisements or use advertising cookies.

10. Data Retention

• Email addresses: Retained until you unsubscribe from our newsletter.
• Analytics data: Retained per Google Analytics default settings (up to 26 months).
• Cookie data: Varies by cookie — see your browser settings for expiry details.
• Local storage: Persists until you clear your browser data.

11. Children's Privacy

Our Site is not directed at children under the age of 16. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us at admin@finbreezy.com and we will promptly delete such information.

12. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. Material changes will be posted on this page with an updated "Last updated" date. We encourage you to review this page periodically.

13. Contact Us

If you have any questions about this Privacy Policy or wish to exercise your data rights, please contact us:

Email: admin@finbreezy.com