Privacy Policy

This Privacy Policy describes how financial.renoruma.com (“we,” “us,” or “our”) collects, uses, and protects the personal information of visitors to our blog, Practical Financial Knowledge for Smarter Loan and Credit Decisions. We are committed to protecting your privacy and complying with all applicable data protection laws. This Privacy Policy applies to all information collected through our website, financial.renoruma.com.

Table of Contents

Information We Collect

We collect various types of information from and about users of our blog, including:

Personally Identifiable Information (PII): This information can be used to identify you directly, such as your name, email address, and postal address. We collect PII only when you voluntarily provide it to us, such as when you subscribe to our newsletter, contact us through our contact form, or leave a comment on our blog posts. We do not sell your PII to third parties.
Non-Personally Identifiable Information (NPII): This information cannot be used to identify you directly. We collect NPII automatically through various methods, including:

Cookies and Similar Technologies

We use cookies and similar technologies (such as web beacons and pixels) to collect information about your browsing activity on our blog. Cookies are small text files that are placed on your computer or mobile device when you visit our website. They help us improve your browsing experience by remembering your preferences and providing you with personalized content. We use both session cookies (which expire when you close your browser) and persistent cookies (which remain on your device for a longer period).

The specific types of cookies we use include:

Strictly Necessary Cookies: These cookies are essential for the functioning of our website and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms.
Performance Cookies: These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site.
Functionality Cookies: These cookies enable the website to provide enhanced functionality and personalization. They may be set by us or by third party providers whose services we have added to our pages.
Targeting Cookies: These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant adverts on other sites.

You can manage your cookie preferences through your browser settings. Most browsers allow you to block cookies or to receive a warning before a cookie is stored. However, blocking all cookies may affect your ability to use certain features of our website. For more information on managing cookies, please refer to your browser’s help documentation.

Data Tracking Technologies

We also use various data tracking technologies, such as Google Analytics, to collect information about your usage of our website. This information may include your IP address, browser type, operating system, referring websites, pages visited, and time spent on our website. This data is used to analyze trends, administer the website, track users’ movement in the aggregate, and gather broad demographic information. We use this information to improve the content and functionality of our blog and to better understand our audience. We do not combine this information with your PII.

Google Analytics uses cookies and similar technologies. You can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on, available on the Google website.

How We Use Your Information

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

To provide and improve our blog: We use your information to maintain and improve the content, functionality, and user experience of our blog.
To respond to your inquiries: We use your information to respond to your questions, comments, and other inquiries.
To send you newsletters and updates: If you subscribe to our newsletter, we will use your email address to send you updates and other information related to our blog.
To personalize your experience: We use cookies and other tracking technologies to personalize your experience on our blog and to provide you with relevant content.
For analytics and research: We use your information to analyze trends, administer the website, and gather broad demographic information for research purposes. This helps us understand our audience and improve our blog.

Information Sharing

We do not sell, rent, or trade your PII to third parties. We may share your information with third-party service providers who assist us in operating our blog and providing our services. These providers are bound by confidentiality agreements and are only allowed to use your information for the specific purposes for which we engage them. We may also disclose your information if required by law or legal process.

Data Security

We take reasonable measures to protect your information from unauthorized access, use, or disclosure. However, no method of transmission over the internet or electronic storage is completely secure. Therefore, we cannot guarantee the absolute security of your information.

Your Privacy Rights

You have certain rights regarding your personal information, including the right to:

Access your information: You can request access to the information we hold about you.
Correct your information: You can request that we correct any inaccurate or incomplete information we hold about you.
Delete your information: You can request that we delete your information, subject to certain exceptions (such as legal obligations to retain data).
Object to processing: You can object to the processing of your information in certain circumstances.
Restrict processing: You can request that we restrict the processing of your information in certain circumstances.
Data portability: You have the right to receive your personal data in a structured, commonly used and machine-readable format and have the right to transmit that data to another controller.
Withdraw consent: If you have given us consent to process your information, you can withdraw your consent at any time.

To exercise your privacy rights, please contact us at [email protected].

Children’s Privacy

Our blog is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us at [email protected].

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will post any changes on this page and, if the changes are significant, we may provide you with more prominent notice. We encourage you to review this Privacy Policy periodically for any updates.

Contact Us

If you have any questions about this Privacy Policy, please contact us at [email protected].

Last Updated: October 26, 2023