1. Scope of this policy
This policy applies to pages and services published on FinancialEssentials.in. It does not control the privacy practices of banks, lenders, investment platforms, advertisers, affiliate partners, analytics providers or other websites that you visit through our links. Their policies apply after you leave this website.
2. Information you provide directly
You may choose to email us about a correction, privacy request, partnership, technical problem or general feedback. In that case, we may receive your email address, name if supplied, the contents of your message and any files you intentionally attach.
We use that information to understand and answer the request, maintain a record of important corrections or legal communications, prevent abuse and protect the website. Please send only the minimum information needed. If you accidentally send sensitive material, contact us promptly and request deletion; we will assess the request subject to legal, security and recordkeeping needs.
3. Information collected automatically
When you visit the website, hosting, security and analytics systems may automatically process technical information such as:
- IP address or an abbreviated/derived form of it;
- browser, device type, operating system and screen information;
- pages viewed, approximate visit time, referring page and navigation events;
- general geographic information inferred from network data;
- error, performance, security and server-log information; and
- cookie, advertising or analytics identifiers where enabled and permitted.
This information generally helps operate the site, identify broken pages, understand aggregate readership, improve speed, reduce abuse and measure content performance. We do not use the website to ask readers for internet-banking credentials or to make transactions on their behalf.
4. Google Analytics
FinancialEssentials.in uses Google Analytics through the Google tag. Google Analytics may collect information about visits and interactions using cookies or similar technologies, depending on configuration, browser settings, consent choices and applicable law. We use reports primarily to understand aggregated traffic, popular content, devices and site performance.
Google may process this information under its own terms and privacy documentation. You can learn more from Google’s Privacy Policy and How Google uses information from sites or apps that use its services. Browser controls and Google’s available opt-out tools may help you manage analytics technologies.
5. Cookies and similar technologies
Cookies are small files or identifiers stored by a browser. They may support site operation, analytics, security, remembering choices, measuring advertising and limiting repeated messages. Some technologies are first-party, while others are provided by third parties.
You can block or delete cookies through browser settings, although some features may work differently. Where consent is legally required, a consent mechanism should provide applicable choices. If advertising is served to readers in the EEA, the UK or Switzerland, we intend to use a Google-certified consent management platform where Google’s publisher policies require one.
6. Advertising and Google AdSense
We may display advertising, including Google AdSense or other advertising services. If Google ads are displayed:
- third-party vendors, including Google, may use cookies to serve ads based on a reader’s previous visits to this website or other websites;
- Google’s use of advertising cookies enables Google and its partners to serve ads based on visits to this website and/or other websites; and
- readers may manage personalised advertising through Google Ads Settings.
Other third-party advertising vendors or networks may use cookies or similar technologies under their own policies. When such vendors are active, we will seek to provide or link to relevant disclosures and choices. Advertising does not mean that we personally recommend every advertised product.
7. Affiliate links
Some links may be affiliate links. If you follow one and complete an eligible action, we may receive a commission without necessarily increasing your price. Affiliate partners may receive standard referral information and may use cookies or identifiers to attribute the referral. Their privacy policies govern their collection and use of information.
Commercial relationships do not permit partners to buy favourable editorial conclusions. Read our Affiliate Disclosure and Editorial Policy for more information.
8. How we use information
We may use information to operate and secure the website; respond to messages; correct content; understand aggregate audience behaviour; diagnose errors; improve navigation and performance; measure advertising or affiliate referrals; enforce site terms; comply with lawful requests; and establish, exercise or defend legal claims.
We do not sell readers’ email addresses as a mailing list. We do not provide banking, lending or investment services and do not use contact emails to access readers’ financial accounts.
9. When information may be shared
Information may be processed by service providers that support hosting, email, analytics, security, advertising, affiliate tracking or website maintenance. We may also disclose information when reasonably necessary to comply with law, respond to valid legal process, protect rights or safety, investigate misuse, or complete a business transfer involving the website. Providers may process data in India or other countries under their own infrastructure and applicable safeguards.
10. Data retention
We retain information only for as long as reasonably needed for the purpose collected, including responding to correspondence, maintaining correction records, security monitoring, analytics, tax/accounting obligations and legal claims. Retention periods differ by data type and provider. Aggregated or de-identified information may be kept longer when it no longer reasonably identifies a person.
11. Security
We use reasonable administrative and technical measures appropriate for a static educational website. However, no internet transmission, email account, hosting service or storage method is completely secure. You send information at your own risk and should never email passwords, PINs, OTPs or full financial documents.
12. Children’s privacy
The website is intended for a general adult audience and is not designed to knowingly collect personal information from children. A parent or guardian who believes a child has sent personal information may contact us to request review and appropriate deletion.
13. Your choices and requests
Depending on your location and applicable law, you may have rights relating to access, correction, deletion, restriction, objection, withdrawal of consent or complaint to a regulator. These rights are not absolute and may require identity verification. You may also unsubscribe from any optional communication using the method provided in that message.
Send privacy requests to rathishblog@gmail.com. Describe the request and the page or message involved, but do not send identity documents unless we specifically explain a secure and necessary verification method.
14. External links
Articles may link to RBI, SEBI, Income Tax Department, banks, financial institutions, product providers and other resources. We are not responsible for their privacy, security, availability or content. Review the destination’s policy before providing information or completing a transaction.
15. Changes to this policy
We may update this policy when the website, service providers, advertising arrangements or legal requirements change. The revised version will appear on this page with a new “last updated” date. Material changes may also be highlighted elsewhere on the site when appropriate.
16. Contact
Questions about this policy can be sent to rathishblog@gmail.com. This policy is a transparency statement for the website and is not legal advice to readers or other publishers.