Privacy Policy
1. Introduction
Welcome to FinClub JU.
FinClub JU, also referred to as “FinClub” and “Finance Club”, (“us”, “we”, or “our”) operates https://finclubju.com and its utilities such as blogs and other content (hereinafter collectively referred to as “Service(s)”).
This Privacy Policy applies to information we collect when you visit our website https://finclubju.com, and when you apply for membership and/or participation in events, and explains how we collect, safeguard and disclose information that results from your use of our Service.
We use your data to provide and improve Service. By using Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, the terms used in this Privacy Policy have the same meanings as in our Terms and Conditions.
Our Terms and Conditions (“Terms”) govern all use of our Service and together with the Privacy Policy constitutes your agreement with us (“agreement”).
Your privacy is critically important to us. At FinClub JU, we have a few fundamental principles: (1) We are thoughtful about the personal information we ask you to provide and the personal information that we collect about you through the operation of our services. (2) We store personal information for only as long as we have a reason to keep it. (3) We aim to make it as simple as possible for you to control what information you would like to furnish us with. (4) We aim for full transparency on how we gather, use, and share your personal information.
2. Definitions
SERVICE means the https://finclubju.com website operated by FinClub JU.
PERSONAL DATA means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).
USAGE DATA is data collected automatically either generated by the use of Service or from Service infrastructure itself (for example, the duration of a page visit).
COOKIES are small files stored on your device (computer or mobile device).
DATA CONTROLLER means a natural or legal person who (either alone or jointly or in common with other persons) determines the purposes for which and the manner in which any personal data are, or are to be, processed. For the purpose of this Privacy Policy, we are a Data Controller of your data.
DATA PROCESSORS (OR SERVICE PROVIDERS) means any natural or legal person who processes the data on behalf of the Data Controller. We may use the services of various Service Providers in order to process your data more effectively.
DATA SUBJECT is any living individual who is the subject of Personal Data.
THE USER is the individual using our Service. The User corresponds to the Data Subject, who is the subject of Personal Data.
3. Information Collection and Use
We only collect information about you if we have a reason to do so — for example, to provide our Services, to communicate with you, or to improve our Services. We collect this information from two sources: if and when you provide information to us and automatically through operating our Services.
4. Types of Data Collected
We collect and store information that you provide to us directly, for example, for communications with us, you may provide us with information when you respond to surveys, communicate using forms, register for events and updates and subscribe to our content, and applicant information, that is, if you apply for membership and/or participation in events, you may provide us with information like your name, contact information, and so on for the same.
We also collect some information automatically such as usage information or information about your usage of our Services e.g. how you navigate our site and which pages you spend the most time on as well as location information. We collect and use this information to, for example, calculate how many people visit our Services from certain geographic regions.
Personal Data
While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally identifiable information may include, but is not limited to:
0.1. Email address
0.2. First name and last name
0.3. Phone number
0.4. Cookies and Usage Data
We may use your Personal Data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link.
Usage Data
We may also collect information that your browser sends whenever you visit our Service or when you access Service by or through any device (“Usage Data”).
This Usage Data may include information such as the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, and other diagnostic data.
Analytics Data
We use Google Analytics to obtain useful insights on how people use our Services so we can make our Services better, and understand and make predictions about user retention and to market our Services and measure, gauge, and improve the effectiveness of our marketing, for example, by targeting our marketing messages to our users, advertising our Services, analyzing the results of our marketing campaigns and understanding and forecasting user retention, and to fix problems with our Services, for example, by monitoring, debugging, repairing, and preventing issues.
Tracking Cookies Data (Cookie Policy)
We use cookies and similar tracking technologies to track the activity on our Service and we hold certain information.
Cookies are files with a small amount of data which may include an anonymous unique identifier. A cookie can temporarily store anonymous information about the use and users of a website. Cookies are sent to your browser from a website and stored on your device. Other tracking technologies are also used such as beacons, tags and scripts to collect and track information and to improve and analyze our Service.
Most browsers allow cookies. However, you can set your browsers to refuse or remove them, if you wish. Some cookies are deleted when you close your browser. They are known as session cookies. Others remain on your device until they expire or until you delete them from your cache. They are called permanent cookies and enable certain information about your use to be recalled when you return to the website. Some cookies are required in order to use a website, others allow customization and optimization of the displayed content, the collection of user preferences or the monitoring of the website’s audience, website errors and the securing of its access. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent.
If you do not want to receive cookies, you can modify your browser’s settings so that it notifies you when cookies are sent to it or you can refuse cookies altogether. You can also delete cookies that have already been set. If you wish to restrict or block web browser cookies which are set on your device then you can do this through your browser settings.
5. Use of Data
FinClub JU uses the collected data for various purposes:
0.1. to provide and maintain our Service;
0.2. to notify you about changes to our Service;
0.3. to allow you to participate in interactive features of our Service when you choose to do so;
0.4. to provide customer support;
0.5. to gather analysis or valuable information so that we can improve our Service;
0.6. to monitor the usage of our Service;
0.7. to detect, prevent and address technical issues;
0.8. to fulfil any other purpose for which you provide it;
0.9. to carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection;
0.10. to provide you with notices about your account and/or subscription, including expiration and renewal notices, email-instructions, etc.;
0.11. to provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information;
0.12. in any other way we may describe when you provide the information;
0.13. for any other purpose with your consent.
6. Retention of Data
We will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.
We will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer time periods.
7. Transfer of Data
Your information, including Personal Data, may be transferred to – and maintained on – computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.
If you are located outside India and choose to provide information to us, please note that we transfer the data, including Personal Data, to India and process it there.
Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.
FinClub JU will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organisation or a country unless there are adequate controls in place including the security of your data and other personal information.
8. Disclosure of Data
We may disclose personal information that we collect, or you provide:
0.1. Disclosure for Law Enforcement.
Under certain circumstances, we may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities.
0.2. Organizational Transaction.
If we or our subsidiaries are involved in a merger or acquisition, your Personal Data may be transferred.
0.3. Other cases. We may disclose your information also:
0.3.1. to our subsidiaries and affiliates;
0.3.2. to contractors, service providers, and other third parties we use to support our organization;
0.3.3. to fulfill the purpose for which you provide it;
0.3.4. for the purpose of including your organization’s logo on our website;
0.3.5. for any other purpose disclosed by us when you provide the information;
0.3.6. with your consent in any other cases;
0.3.7. if we believe disclosure is necessary or appropriate to protect the rights, property, or safety of the Organization, our customers, or others.
9. Security of Data
The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.
10. Your Data Protection Rights Under General Data Protection Regulation (GDPR)
If you are a resident of the European Union (EU) and European Economic Area (EEA), you have certain data protection rights, covered by GDPR.
We aim to take reasonable steps to allow you to correct, amend, delete, or limit the use of your Personal Data.
If you wish to be informed what Personal Data we hold about you and if you want it to be removed from our systems, please email us at finclubju@gmail.com.
Please note that we may ask you to verify your identity before responding to such requests. Please note, we may not able to provide Service without some necessary data.
You have the right to complain to a Data Protection Authority about our collection and use of your Personal Data. For more information, please contact your local data protection authority in the European Economic Area (EEA).
11. Your Data Protection Rights under the California Privacy Protection Act (CalOPPA)
CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law’s reach stretches well beyond California to require a person or company in the United States (and conceivable the world) that operates websites collecting personally identifiable information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals with whom it is being shared, and to comply with this policy.
Our Policy on “Do Not Track” Signals:
We honor Do Not Track signals and do not track, plant cookies, or use advertising when a Do Not Track browser mechanism is in place. Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked.
You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser.
12. Service Providers
We may employ third party companies and individuals to facilitate our Service (“Service Providers”), provide Service on our behalf, perform Service-related services or assist us in analysing how our Service is used.
These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
13. Analytics
We may use third-party Service Providers to monitor and analyze the use of our Service.
14. CI/CD tools
We may use third-party Service Providers to automate the development process of our Service.
15. Behavioral Remarketing
We may use remarketing services to advertise on third party websites to you after you visited our Service. We and our third-party vendors use cookies to inform, optimise and serve ads based on your past visits to our Service.
16. Links to Other Sites
Our Service may contain links to other sites that are not operated by us. If you click a third party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit.
We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.
17. Changes to This Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.
You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
18. Contact Us
If you have any questions about this Privacy Policy, please contact us by email finclubju@gmail.com or by visiting the page https://finclubju.com/contact.html.