Privacy Policy

FinCrack (“us”, “we”, or “our”) takes your privacy seriously. This Privacy Policy (“Privacy Policy”) explains what information we collect from our users (“users” or “you”) and how we use and share this information. This Privacy Policy applies to your use of our website.

We may update this policy from time to time and will notify you by revising the date at the top of the Privacy Policy. Please review this Privacy Policy whenever you access our site to stay informed of our practices.

What Information Do We Collect?

Personally Identifiable Information:

You aren’t required to provide us with any Personally Identifiable Information to use this Site. However, you may choose to provide Personally Identifiable Information to us, such as your first and last name and email address, in response to prompts featured on our Site. If you sign up for our email newsletter, we will need to collect your email address.

Non-Personally Identifiable Information:

We may also collect and use information about your interactions with the Site in a manner and format that does not identify you as an individual (“Non-Personally Identifiable Information”). This may include, but is not limited to, the following types of Non-Personally Identifiable Information:

Cookies: Cookies are small files transferred to your computer’s hard drive through your web browser (if you allow) that enable us to recognize your browser and capture certain information. We use cookies to help our advertising partners target advertisements and compile aggregate data about site traffic and interactions, allowing us to improve our site experience. You can opt out of cookies using the Network Advertising Initiative opt-out page.
Google Analytics: We use Google Analytics to collect information about how users interact with our Site. Google Analytics collects data on how often users visit the Site, what pages they visit, and other metrics that help us enhance our offerings. We do not combine this information with the Personally Identifiable Information provided by users. You can prevent Google Analytics from recognizing you by adjusting your cookie settings or using a browser plugin.
Partners: We utilize third-party advertising companies to serve ads regarding goods and services that may interest you when you access or use the Site. These companies may place or recognize unique cookies on your browser and use technologies to recognize you across different devices.

Other Information:

We also collect “Other Information,” which is not considered Personally Identifiable Information. Other Information may include, but is not limited to:

Article preferences, topics of interest, or content preferences expressed through “Like” or “Dislike” settings or created lists.
Display names that may differ from your username.
Biographical information you provide or post on the Site.
Comments or other information you post, which may contain Personally Identifiable Information if it identifies you.
Links to your social media accounts and websites.
Browsing history, including pages visited on our Site and third-party sites.
Device type, settings, and software used.
Device identification number (“Device ID”) associated with your mobile device.
Internet Protocol address (“IP Address”), which is a unique string of numbers assigned to your device when you access the Internet.
Log files, which may include IP Addresses, browser type, internet service provider, referring/exit pages, operating system, date/time stamps, and clickstream data.
Web Beacons, which are electronic files that allow a website to count users who visit that page or access certain cookies.
Non-precise information about the approximate physical location of a user’s computer or device derived from the IP address.
Information collected through cookies, pixel tags, and other technologies regarding your interactions with the Site and third-party websites.

All Personally Identifiable Information and Other Information that we hold about you is collectively referred to in this Privacy Policy as “User Information.”

How We Collect or Receive Information

We collect User Information across our Services, including the following methods:

If you sign up for an email subscription on our Services, we collect your email address and may also gather information about your subscription preferences and interests.
When you view or interact with our sites, we may collect certain data, including your IP address, language setting, operating system type, requested page, advertising ID, user agent, and time stamp.
When you use our sites, we collect information about your search and click activity.
We may collect information when you participate in a sweepstakes, contest, or other promotions (“Promotions”) offered by us or our partners.
We may collect your user-generated content (e.g., photos you take or upload, comments you provide, workout routines you create, or URL links).
When you make a purchase through our sites, we or our vendors may collect your information as outlined under “What Information We Share With Third Parties.”
If you send an email to us, we will receive your email address and any associated information related to your request.
If you use a third-party connection or login (such as Facebook Connect or Google) in connection with our site, we may receive your name, email address, and/or profile photo from those services, along with any other information they provide about you.
We may also supplement the User Information we collect from you with information from third parties, including vendors, affiliate network operators, referral sources, social networking sites, and publicly available sources.

Cookies and Web Beacons

Some User Information is collected on our sites through the use of cookies and/or web beacons. “Cookies” are small data files transferred to your computer or mobile web browser that allow us and our partners to recognize your browser or mobile device and gather information about your usage of our sites. For example, cookies help us track how many times you visit our sites, your search preferences, and whether you have clicked on advertisements displayed to you.

We use “persistent” cookies to save your login information for future logins. We also use “session ID” cookies to enable certain features of the sites, better understand user interactions, and monitor aggregate usage. Unlike persistent cookies, session ID cookies are deleted from your computer when you log off from a site and close your browser.

We may also deliver a file known as a web beacon, pixel, or pixel tag (collectively, “Web Beacons”) through our sites. Web Beacons are small, invisible graphic images used to collect information and monitor user activity, such as counting visits, accessing cookies, and determining whether an email has been opened and acted upon. Web Beacons enable ad networks, marketing partners, and service providers to provide aggregated auditing, research, and reporting.

How We Use Your Information

The User Information we collect is used to improve your experience and the performance of our Site, as well as for the following purposes: contacting you and analytics.

We may use the data we collect to communicate directly with you, sending emails that include newsletters, updates, or special information. If you prefer not to receive email messages, we will provide you with an option to opt out or update your preferences. We may also combine your Personally Identifiable Information with third-party analytics information to build a broader profile of our Users.

User Information is used to:

Connect you across multiple devices or platforms where you access our content.
Customize the user experience by providing advertisements, content, features, or recommendations on our sites or other platforms that match your interests.
Send notices, updates, and other administrative messages.
Process transactions and provide related information.
Send emails or newsletters, which may offer or advertise products and/or services.
Administer or communicate with you about Promotions.
Link or combine information received from third parties to enhance service quality.
Detect, investigate, and/or prevent fraudulent, unauthorized, or illegal activity.
Analyze and monitor how users utilize the site.
Carry out other purposes described in this Privacy Policy.

We may use your User Information to contact or communicate with you through various means, including email, postal mail, notices on our websites, newsletters, push notifications, and mobile text messages. These communications may contain commercial or non-commercial messages, including responses to inquiries, marketing and promotional messages from our sites or our partners, administrative messages, and other necessary communications.

When you receive email messages or newsletters from us, we may use Web Beacons, customized links, clear GIFs, or similar technologies to track whether the email has been opened and which links you click, enabling us to tailor future communications.

We and our partners utilize cookies and other tracking technologies to administer our sites, analyze trends, track users’ movements around our sites and third-party platforms, and gather demographic information about our user base.

We may also receive data collected by our partners (on an individual and/or aggregated basis) through the use of pixel tags, IP addresses, and browser cookies, allowing us to analyze trends, track user behavior, and improve our understanding of traffic and responses to advertising campaigns.

We collaborate with various third-party vendors and partners (including advertisers, advertising agencies, ad networks, measurement providers, and other marketing service providers) who may gather information about you to deliver relevant advertising across different platforms and media channels. These partners may utilize tracking technologies, such as cookies, web beacons, and similar tools, to collect various types of data, including your IP address, device ID, advertising ID, and precise location data, where accessible. The specific partners we engage with can change at any time. To view a list of some of these partners or to learn more about opting out of tracking for advertising, please visit our Cookie Consent Tool by clicking on the “Cookie Consent” button in the lower right corner of your screen. The use of tracking technologies by these third parties is governed by their own privacy policies.

We may sell or share interaction data with select advertisers who will use it to serve ads they deem relevant to your interests. These third parties may merge this interaction data with their own information about you, creating a more detailed profile. Additionally, we may share your information with advertisers to enable them to send you marketing communications regarding our site, their services, promotions, or their products in general.

Our third-party partners utilize your information to display ads both on our site and on various third-party websites, applications, platforms, and media channels. For instance, if you explore content on a specific topic, we might use cookies from a vendor to later show you an advertisement for a related product or service. These vendors can connect information about the pages you visit on our site with data from your activities on other channels, serving ads based on this combined information. These ads may appear while you are browsing different sections of our site or other channels, and vice versa.

Some of our platforms may incorporate features and tools from social media platforms such as Facebook and Instagram, including pixel tags that relay data about your interactions with our site to these platforms. This data is used to track your engagement and create custom audiences on Facebook and Instagram. The information collected on our sites may be linked to your social media accounts, allowing us and our advertisers to serve you ads both on and off these platforms.

We may provide specific advertisers with details about your interactions with our emails and newsletters, as well as any matches with information they hold. These advertisers might combine this data with their own marketing information, which may be shared with their clients for their marketing strategies.

To support our advertising efforts and enhance the visibility of our services, we may share aggregate statistics that describe our audience demographics, which are often derived from the information you provide during registration or while browsing our site.

Third-Party Service Providers

We engage various third-party vendors, consultants, and service providers who require access to your information (such as name, address, email, and other identifiers) to perform services on our behalf or provide us with additional data needed to operate our site. These vendors support various functions, including email deployment, address validation, subscription management, research, statistical analysis, cross-device tracking, data hosting, marketing, and advertising services.

We also utilize third-party services for processing payments related to subscriptions, fulfilling product purchases, managing opt-out requests for promotional communications, and monitoring for fraudulent traffic or suspicious activities across our sites and services.

In addition to receiving your information from us, our service providers may also:

Collect data directly from you or your device, such as your IP address, device ID, advertising ID, and browser or operating system information.
Combine your information received from us with data collected from other sites or services.
Implement unique cookies or other tracking mechanisms on your browser.

Third-Party Partnerships and Websites

Our partners may offer products or services through our platforms. In some cases, you will be redirected to the partner's website to complete your purchase. When you make a purchase or activate a partner's service, we may share your personal information, such as your email address, with that partner, who will use it according to their own privacy policy. Please be aware that we are not responsible for third-party terms or policies, and we recommend reviewing them carefully.

Our sites may include social plugins from networks like Facebook, Twitter, Instagram, Google+, Pinterest, and others. These plugins may feature icons or functionalities such as “Like” or “Recommend.” Additionally, we may embed content from social platforms, including videos or text. Your browser might establish connections to these third-party servers when viewing our content, and our privacy policy does not cover their practices.

User Profiles and Submissions

User information from your profile, including your username, display name, biography, and any comments or multimedia content uploaded to our platforms, may be visible to other users to facilitate interaction or fulfill service requests. In certain applications, information you share in your profile may be publicly accessible.

Promotions

When you participate in a promotion, we may collect and share your information with the sponsoring advertiser or service provider. If your information is shared, it will also fall under the sponsor’s privacy policy and may be utilized for follow-up or marketing purposes. We encourage you to read the official rules and terms for any promotion carefully before providing your information.

Control Over Information Collection

Adjusting Account Settings

You can modify your information through your account settings, limiting what other users can view in your profile. The information available for viewing, updating, or deletion may vary based on the specific section of the site and could change as our services evolve.

If you encounter issues accessing or updating your information or want to inquire whether we hold any of your personal data, please reach out to us at [email protected], and we will address your request promptly.

Cookies

You can manage your browser settings to prevent cookies from being accepted or to receive prompts before accepting them. Disabling cookies may limit your ability to use certain features of the site. For more information on opting out of advertising tracking, please visit our Cookie Consent Tool by clicking the “Cookie Consent” button in the lower right corner of your screen.

Precise Location Data

You can opt out of having your precise location data collected by adjusting the appropriate settings on your mobile device.

If you prefer not to receive emails or other communications from us, please update your preferences in your account settings, contact us at [email protected], or click the “unsubscribe” link in our emails. For opting out of communications from advertisers or third-party partners, refer to their respective privacy policies.

Push Notifications

You can manage push notification settings on your mobile device or within specific applications to stop receiving them. Browser-based push notifications can also be blocked or removed in your browser settings.

Information for California Residents

Under the California Online Privacy Protection Act, residents have the right to request a notice identifying the categories of personal information shared with affiliates and third parties for marketing purposes. If you are a California resident and wish to make such a request, please submit it in writing to [email protected].

Do Not Track Policy

Currently, we do not engage in “Do Not Track” frameworks that allow us to respond to your signals regarding information collection. We may work with third-party partners who collect information about your online activities over time and across different websites when using our site.

Additional Privacy Information

Security Measures

We implement commercially reasonable security measures to protect the integrity and confidentiality of the information collected through our platforms. However, we cannot guarantee complete security of any data you provide or assure that information on our site won’t be accessed, disclosed, altered, or destroyed by unauthorized parties or software/hardware failures. You are ultimately responsible for maintaining the security of your email address and password.

Children’s Privacy

We comply with the Children’s Online Privacy Protection Act (COPPA) and do not collect information from anyone under 13 years of age. Our sites and services are directed toward individuals aged 13 and older. We do not knowingly gather personally identifiable information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information without your consent, please contact us at [email protected].

International Data Transfers

Your information may be stored on computers located outside your jurisdiction, where privacy laws may differ. If you are outside the United States and choose to share information with us, your data will be transferred to the U.S. By providing such information, you consent to this transfer.

Data Retention Policy

The duration for which we retain information depends on its use. Legal obligations may require us to keep certain data for a specified period. Unless a legal requirement exists, we plan to retain information only as long as necessary to fulfill legitimate business needs.

For users located in the European Union, all personal data processing will adhere to privacy rights and regulations under the General Data Protection Regulation (GDPR). By using our site, EU users must consent to the collection and use of their personal data as outlined here. If you are in the EU, you can update your consent preferences by clicking here. If you do not agree with these terms, please refrain from using this site. As mandated by EU law, we will seek explicit consent to process personal data collected or provided by you. Consent is voluntary; however, not providing consent may limit your access to the full functionality of our site.

We may collect, record, and analyze information from users on our site, including recording your IP address and using cookies. We may add information collected through your browsing activities and gather personal data you voluntarily provide via registration or sign-up forms. If you provide us with social media details, we may retrieve publicly available information about you.

This personal data may include your IP address, first and last name, postal and email addresses, telephone number, job title, social media data, areas of interest, preferences for promoted products, and certain details about your employer.

In accordance with GDPR regulations, you have the following rights regarding your personal information:

The right to access and obtain a copy of your personal data.
The right to correct or rectify inaccurate or incomplete data.
The right to erasure (right to be forgotten), allowing you to request the deletion of your data in specific circumstances.
The right to restrict processing, enabling you to limit how we use your information under certain conditions.
The right to data portability, allowing you to request a copy of your data in a structured, commonly used, and machine-readable format.
The right to object, enabling you to challenge our processing of your personal information.

To exercise these rights, please contact us at [email protected]. You also have the right to lodge a complaint with a supervisory authority if you believe we have violated your rights.

Updates to Our Privacy Policy

We may periodically update this Privacy Policy to reflect changes in our practices. We will notify you about significant changes and encourage you to review our Privacy Policy whenever you access our site to stay informed about how we are protecting your information. The date of the last revision will be reflected at the top of this policy.

Contact Us

If you have any questions regarding this Privacy Policy, please feel free to contact us at [email protected]