1. Introduction

Welcome to Finanzly (the "Website"), accessible at https://finanzly.es. This Privacy Policy aims to inform you about how we collect, use and protect information that we may obtain through your use of our Website, which currently offers tools such as a net salary calculator and a compound interest calculator.

At Finanzly, we are committed to protecting your privacy. We understand the importance of personal information and strive to be transparent about our data practices.

By using our Website, you accept the practices described in this Privacy Policy. If you do not agree with this policy, please do not use the Website.

2. Information We Collect

We collect minimal information necessary to operate and improve our Website and its tools. The information is divided into two categories:

Information provided for the use of Calculators:

When you use our calculators (net salary, compound interest), you enter numerical and configuration data (e.g. gross salary, contract type, income tax percentage, initial capital, interest rate, time period). Important: This information is processed directly in your browser to perform the requested calculation. We do not store, save or transmit this specific financial information to our servers. Once you close the page or browser session, this specific calculation data is lost.

Information collected automatically:

Like most websites, we automatically collect certain information when you visit Finanzly. This may include:

• Technical Data: Your IP (Internet Protocol) address, browser type and version, operating system, device type.
• Usage Data: The pages you visit within our Website (e.g. the net salary calculator page), the time and date of your visit, the time you spend on those pages and other usage statistics.

This information is collected through server logs (provided by our hosting provider, Vercel) and, potentially, through Cookies and Similar Technologies (see Section 6). Generally, this information is aggregated or anonymized and does not directly identify you personally.

3. How We Use Your Information

We use the information collected for the following purposes:

To provide and maintain our services:

• Enable calculator operation (processing the data you enter locally in your browser).
• Ensure that the Website works correctly on different devices and browsers.

To improve our Website:

• Analyze how users interact with the Website and calculators (which tools are most popular, where users find difficulties) to improve usability and develop new functionalities (based on aggregated/anonymous usage data).
• Monitor site performance and diagnose technical problems.

For security and compliance:

• Protect the Website against fraud, abuse or malicious activities (e.g. using IP addresses to identify suspicious traffic).
• Comply with applicable legal or regulatory requirements (although unlikely given the nature of the site).

4. Legal Basis for Processing (Mainly relevant for users in the EEA/UK)

We process information under the following legal bases:

Legitimate Interests:

We process automatic technical and usage data for our legitimate interests of operating, maintaining, protecting and improving our Website, provided that these interests are not overridden by your fundamental rights and freedoms.

Consent:

For the use of non-essential cookies (if we use them), we will request your consent through a banner or cookie management tool.

The processing of data you enter into calculators is performed under your direct request to obtain a result and does not constitute processing of personal data stored by us.

5. How We Share Your Information

We do not sell your personal information. We only share information in limited circumstances:

Service Providers:

We may share technical and usage information with third parties that help us operate the Website, such as our hosting provider (Vercel). These providers only have access to information necessary to perform their tasks and are obligated to maintain confidentiality and security of data. You can consult Vercel's privacy policy to understand how they handle data.

Legal Requirements:

We might disclose information if required by law, court order or valid legal process, or to protect our rights, property or safety, or those of others.

Aggregate or Anonymized Data:

We may share aggregated or anonymized statistical information (that does not identify you) with third parties for analysis or reporting purposes.

We do not share the specific data you enter into calculators with any third party.

6. Cookies and Tracking Technologies

We use minimal cookies and similar technologies for basic Website operation and analysis.

What are Cookies? They are small text files that are stored on your device when you visit a website.

Types of Cookies we may use:

Essential Cookies:

Necessary for the Website to function properly (e.g. maintaining session, basic security). They do not require consent.

Performance/Analytics Cookies:

Help us understand how visitors use the Website (e.g. which pages are popular) anonymously or in aggregate. We may use tools like Vercel Analytics or similar. If we use non-essential cookies, we will request your consent.

Cookie Management:

You can control and/or delete cookies as you wish. Most browsers allow you to configure your cookie preferences (block them, delete them). However, note that if you block essential cookies, some parts of Finanzly might not work properly.

7. Data Security

We take reasonable measures to protect the technical and usage information we collect. We use HTTPS (secure connection) for our Website. Our hosting provider (Vercel) implements standard security measures to protect infrastructure.

However, no method of Internet transmission or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee its absolute security. The best security measure in our case is that we do not store the sensitive data you enter into calculators.

8. Data Retention

Calculator Data: As mentioned, we do not retain the specific data you enter into calculators.

Automatic Data (Technical and Usage): We retain this information only for the time necessary for the purposes described in this policy (e.g. traffic analysis, security, troubleshooting). Retention periods may vary depending on the type of data and our hosting provider's policies (Vercel). Aggregated or anonymized information may be kept for longer periods.

9. International Data Transfers

Finanzly is hosted on Vercel, which uses a global network of servers. This means that the technical and usage information we automatically collect may be transferred and processed on servers located outside your country of residence, where data protection laws may be different. By using our Website, you consent to this transfer. Vercel implements safeguards to protect data during these transfers.

10. User Rights

Depending on your location, you may have certain rights regarding your personal information, such as:

• Access: Request information about personal data we have about you (mainly technical data associated with your visit).
• Rectification: Correct inaccurate data (although it is unlikely we have identifiable personal data requiring correction).
• Deletion: Request the deletion of your data under certain conditions.
• Restriction of Processing: Limit how we use your data.
• Objection: Object to processing based on our legitimate interests.
• Withdraw Consent: If processing is based on consent (e.g., non-essential cookies), you can withdraw it at any time.

Since we collect limited and mostly anonymized personal information, the exercise of some of these rights may be limited or not applicable. To exercise your rights or if you have questions, please contact us using the information in Section 14.

You also have the right to file a complaint with your country's data protection authority if you believe we have not fulfilled our obligations.

11. Children's Privacy

Our Website and its tools are not directed to individuals under 16 years of age (or the applicable legal minimum age in your jurisdiction). We do not knowingly collect personal information from minors. If you are a parent or guardian and believe your child has provided us with personal information without your consent, please contact us so we can delete it.

12. Third-Party Links

Our Website may contain links to other websites that are not operated by us (e.g., financial information sources in the resources section). If you click on a third-party link, you will be directed to their site. We strongly recommend that you review the Privacy Policy of each 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.

13. Changes to this Privacy Policy

We may update our Privacy Policy occasionally to reflect changes in our practices or for operational, legal or regulatory reasons. We will post any changes on this page and update the "Effective Date" at the top. We recommend reviewing this Policy periodically. Significant changes may be notified through a prominent notice on our Website.

14. Contact Information

If you have any questions, comments or concerns about this Privacy Policy or our data practices, please contact us at: Finanzly, Website: https://finanzly.es, Email for Privacy inquiries: finanzly.contac@outlook.com