Fincerna | Privacy Policy

1. Introduction

This Privacy Policy explains how we collect, use, disclose, and protect your personal data when you use Fincerna. By registering an account and accessing our services, you acknowledge and agree to the practices described in this Policy. This Policy forms an integral part of our Terms of Service and applies to all users of the Service. If you do not agree with any part of this Policy, you should not use our platform.

2. Who We Are

This Service is operated by Fincerna, a Ukrainian-based digital platform focused on AI-driven financial news analysis. We are committed to protecting your privacy and handling your data in compliance with applicable laws. If you have any questions regarding this Policy or our data practices, you may contact us at admin@fincerna.com.

3. What Data We Collect

We may collect the following categories of personal data:

Account Information: such as your name, email address, password, and any additional information you choose to provide during registration.
Usage Data: including pages visited, features used, access times, browser type, and IP address. We may also collect logs related to user activity for security and analytics purposes.
Payment Data: if you purchase a subscription, we may collect billing details, although payment processing is handled by secure third-party providers.
Communication Data: including support requests, user feedback, or messages sent to our team.
Third-Party Data: in some cases, we may collect or receive data about you from publicly available sources or third-party services, but only with your consent or where legally permitted.

4. How We Use Your Data

We use your personal data to:

Provide and maintain the Service: including user authentication, account setup, subscription management, and technical support.
Personalize your experience: such as saving preferences, displaying relevant content, and adapting features to your usage patterns.
Improve and secure our platform: through analytics, troubleshooting, research, and monitoring for security threats or abuse.
Communicate with you: to send service-related updates, account notifications, support messages, or promotional emails (only where permitted).
Comply with legal obligations: and enforce our Terms of Service or other policies.

5. Legal Basis for Processing

We process your personal data only when we have a lawful basis to do so under applicable data protection laws, including:

Consent: when you explicitly agree to the processing of your data, such as by subscribing to email updates.
Contract: to perform our obligations under a user agreement or to provide services you request.
Legal Obligation: when we are required to comply with legal or regulatory requirements.
Legitimate Interests: for purposes such as improving the Service, preventing fraud, and securing our infrastructure — provided that such interests are not overridden by your rights and freedoms.

6. Data Sharing and Disclosure

We do not sell or rent your personal data. However, we may share your information with trusted third-party service providers who assist us in operating our platform, processing payments, analyzing data, or providing customer support. These providers are contractually obligated to protect your data and only use it as necessary to perform their designated functions.

We may also disclose your data:
To comply with legal obligations — such as in response to court orders, law enforcement, or regulatory authorities.
To protect rights and safety — including enforcing our Terms or defending against legal claims.
In connection with a business transfer — such as a merger, acquisition, or sale of assets where user data may be part of the transferred assets.

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience, analyze site usage, and improve our services. These technologies may collect technical data such as browser type, operating system, referring URLs, and interaction patterns.

You can control or disable cookies through your browser settings. Please note that disabling cookies may affect the functionality of certain features of the Service. We may also use third-party analytics tools (e.g., Google Analytics) that use cookies to track aggregated usage statistics.

By using our platform, you consent to the placement and use of cookies and similar technologies as described in this section.

8. Data Storage and Retention

Your personal data is stored on secure servers operated by us or our trusted service providers. We retain your data only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, including to comply with legal, accounting, or reporting requirements.

The specific retention period depends on the type of data and the context in which it was collected. Once your data is no longer required, it will be securely deleted or anonymized. If you request account deletion, we will remove your personal data within a reasonable time, subject to any legal obligations that require us to retain certain records.

9. User Rights

You have the right to access, update, correct, or delete your personal data at any time, subject to certain limitations. You may also have the right to:

Object: to processing of your personal data based on legitimate interests.
Withdraw consent: where processing is based on consent, without affecting the lawfulness of prior processing.
Restrict processing: under certain circumstances.
Request data portability: receive your data in a structured, commonly used, and machine-readable format.

To exercise these rights, please contact us at admin@fincerna.com. We may ask you to verify your identity before responding to such requests. We will respond within the time limits set by applicable law.

10. Data Security Measures

We implement appropriate technical and organizational measures to safeguard your personal data from unauthorized access, disclosure, alteration, or destruction. These measures include encryption, secure server environments, access controls, regular security audits, and employee training.

While we strive to use commercially acceptable means to protect your data, no method of transmission over the internet or method of electronic storage is 100% secure. Therefore, we cannot guarantee absolute security, but we commit to responding promptly and transparently in the event of a data breach.

11. International Data Transfers

Your personal data may be transferred to and processed in countries outside of your jurisdiction, including countries that may not provide the same level of data protection as your home country. When we transfer your data internationally, we take appropriate steps to ensure that your information is adequately protected in accordance with applicable data protection laws, such as using standard contractual clauses approved by relevant authorities.

12. Children's Privacy

The Service is not intended for individuals under the age of 18. We do not knowingly collect personal data from children or allow them to create accounts. If we become aware that we have collected personal information from a minor without verified parental consent, we will take steps to delete such information as soon as possible. If you believe a child under 18 has provided us with personal data, please contact us immediately at admin@fincerna.com.

13. Changes to This Policy

We may update this Privacy Policy from time to time in response to legal, technical, or business developments. If we make material changes, we will notify you by posting the updated policy on our website and, if appropriate, via email or platform notification. Your continued use of the Service after any changes become effective constitutes your acceptance of the revised Policy. We encourage you to review this page periodically to stay informed about how we protect your data.

Privacy Policy