Privacy Policy

Effective Date: July 08, 2025

This Privacy Policy explains how Finledger ("we," "us," or "our") collects, uses, discloses, and protects your personal information when you use our website Finledger and related services (collectively, "Services"). We are committed to complying with applicable data protection laws, including the General Data Protection Regulation (GDPR) in the European Union (EU) and European Economic Area (EEA), the UK GDPR in the United Kingdom, and the California Consumer Privacy Act (CCPA) in California, USA.

1. Information We Collect

We collect the following types of personal information:

• Information You Provide Directly:
  

• Name, email address, phone number, and payment information when you create an account, make a purchase, or contact us.
• Information submitted through forms, surveys, or customer support inquiries.

• Information Collected Automatically:
  

• Device information: IP address, browser type, operating system, and device identifiers.
• Usage data: Pages visited, time spent on our Services, and referring URLs.
• Cookies and similar technologies: We use cookies to enhance your experience, analyze usage, and deliver personalized content. You can manage cookie preferences through our cookie banner.

• Information from Third Parties:
  

• Data from social media platforms if you log in via those services.
• Data from analytics or advertising partners to improve our Services.

2. How We Use Your Information

We use your personal information for the following purposes:

• To provide, operate, and maintain our Services.
• To process transactions and fulfill orders.
• To communicate with you, including sending service updates, promotional offers, and responding to inquiries.
• To personalize your experience and deliver targeted advertising.
• To analyze usage trends and improve our Services.
• To comply with legal obligations and protect our rights.

Legal Basis for Processing (GDPR):
Under GDPR, we process personal data based on:

• Your consent (e.g., for cookies or marketing emails).
• Performance of a contract (e.g., to fulfill orders).
• Compliance with legal obligations (e.g., tax reporting).
• Our legitimate interests (e.g., improving Services or preventing fraud), provided these do not override your rights.

3. How We Share Your Information

We may share your personal information with:

• Service Providers: Third-party vendors who perform services on our behalf, such as payment processors, hosting providers, and analytics tools.
• Business Partners: With your consent, we may share data with partners for marketing or promotional purposes.
• Legal Authorities: When required by law, such as to comply with a court order or protect our rights.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, your data may be transferred to the new entity.

We do not sell your personal information to third parties for their own marketing purposes without your explicit consent (as defined under CCPA).

4. Your Rights

You have the following rights regarding your personal information:

• GDPR Rights (EU/EEA and UK Residents):
  

• Access: Request a copy of your personal data.
• Rectification: Correct inaccurate or incomplete data.
• Erasure: Request deletion of your data under certain conditions.
• Restriction: Limit how we process your data.
• Portability: Receive your data in a structured, commonly used format.
• Objection: Object to processing based on legitimate interests or for direct marketing.
• Withdraw Consent: Revoke consent at any time, where applicable.
• Lodge a Complaint: Contact your local data protection authority.

• CCPA Rights (California Residents):
  

• Know: Request details about the categories of personal information we collect, use, disclose, or sell, and the specific pieces of information we hold about you.
• Delete: Request deletion of your personal information, subject to exceptions.
• Opt-Out: Opt out of the sale or sharing of your personal information. [Include a "Do Not Sell or Share My Personal Information" link on your website].
• Correct: Request correction of inaccurate personal information.
• Limit: Limit the use or disclosure of sensitive personal information.
• Non-Discrimination: We will not discriminate against you for exercising your CCPA rights.

To exercise your rights, contact us at alex@finledger.net. We will respond within 30 days (GDPR) or 45 days (CCPA), unless an extension is permitted. We may require identity verification to process your request.

5. Data Transfers

Your personal information may be transferred to and processed in countries outside the EU/EEA, UK, or USA, including countries that may not offer the same level of data protection. We ensure appropriate safeguards, such as Standard Contractual Clauses (SCCs) or adequacy decisions, to protect your data during international transfers, as required by GDPR.

6. Data Security

We implement reasonable technical and organizational measures to protect your personal information from unauthorized access, loss, or disclosure. However, no online transmission is 100% secure, and you share information at your own risk.

7. Data Retention

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, or resolve disputes. For example, we retain transaction data for 1 year to meet tax requirements. When no longer needed, we securely delete or anonymize your data.

8. Cookies and Tracking

We use cookies and similar technologies to enhance your experience and analyze usage. You can manage your preferences via our cookie banner or browser settings. For more details, see our [Cookie Policy Link].

9. Children’s Privacy

Our Services are not directed to individuals under 16 (GDPR) or 13 (CCPA). We do not knowingly collect personal information from children. If you believe we have collected such data, please contact us to have it removed.

10. Third-Party Links

Our Services may contain links to third-party websites. We are not responsible for their privacy practices, and you should review their policies before sharing information.

11. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in our practices or legal requirements. We will notify you of material changes via email or a prominent notice on our website before they take effect.

12. Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights, please contact our Data Protection Officer (if applicable) at:

Finledger
M2PV+FFF, Platonos, Limassol 3027, Cyprus
Email: alex@finledger.net

13. Supervisory Authorities

You have the right to lodge a complaint with a supervisory authority:

• For GDPR: Contact your local Data Protection Authority.
• For UK GDPR: Contact the Information Commissioner’s Office (ICO).
• For CCPA: Contact the California Privacy Protection Agency (CPPA) or the California Attorney General.

This Privacy Policy complies with GDPR, UK GDPR, and CCPA requirements and applies to users in Tier 1 and Tier 2 countries conducting business with us online.