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Personal Data Management Policy

Last updated: November 2025

Authentication via Google OAuth

We use Google OAuth 2.0 for secure authentication. When you sign in with your Google account, you authorize us to access limited information from Google:

Data collected from Google:

  • Name
  • Email address
  • Profile picture (optional)

Purpose: Account creation and authentication
Legal basis: Your explicit consent when authorizing OAuth
Retention: For the duration of your account

You can revoke access at any time through your Google account settings.

Account Preferences

Once logged in, you can manage your account preferences in your profile settings. This includes:

Preferences stored:

  • Newsletter subscription status
  • Newsletter email address (can differ from account email)
  • Newsletter language preference (28 supported languages)

Purpose: Personalizing your experience and newsletter delivery
Legal basis: Your explicit consent
Retention: Until you delete your account or unsubscribe

Newsletter Subscription

If you choose to subscribe to our newsletter, we collect and store your email address and preferred language. This data is collected with your explicit consent and is used solely for sending you our weekly newsletter with news, analysis, and tool updates.

Newsletter data:

  • Email address
  • Language preference (28 languages available)
  • Subscription timestamp
  • Unsubscribe token (for secure unsubscription)

Purpose: Newsletter delivery and content personalization
Legal basis: Your explicit consent
Retention: Until you unsubscribe or request deletion

Every newsletter includes a secure unsubscribe link. You can unsubscribe at any time from your account preferences.

Website Tools - No Personal Data Collection

All website tools and calculators (currency risk calculator, compound interest visualizer, etc.) are designed to function without collecting personal data. You do not need to create an account or provide any information to use these tools.

Any information you enter into our calculators and generators is:

  • Processed locally in your browser only
  • Never transmitted to our servers
  • Never stored in any database
  • Automatically deleted when you close the page or refresh

Analytics and Tracking

To understand how our platform is used and improve our services, we use analytics services configured to respect your privacy. These services collect anonymous usage data such as pages visited and traffic sources, and cannot be linked to your personal account information.

Analytics data is kept separate from your account and newsletter data.

Third-Party Services

We work with third-party service providers (such as authentication and analytics providers) to deliver our platform and improve our services. We ensure these providers comply with data protection regulations and respect your privacy.

We recommend reviewing the privacy policies of these third-party services for additional information about their data practices.

Your Data Rights (GDPR/CCPA)

For logged-in users and newsletter subscribers:

Right to access: Request a copy of your data

Right to rectification: Correct inaccurate data

Right to erasure: Request deletion of your account and associated data

Right to data portability: Receive your data in a structured format

Right to withdraw consent: Unsubscribe from newsletter at any time

Right to object: Object to processing of your data

For website tool users: Since we do not collect or store any personal data when you use our tools, these rights do not apply to tool usage.

To exercise any of these rights, contact us using the details in our legal notice.

Data Security

We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. All data transmissions are encrypted and your information is stored securely.

While we are committed to protecting your data, no system is 100% secure. We recommend using strong, unique passwords and enabling two-factor authentication on your Google account for additional security.

Data Retention

Account data:

Retained for the duration of your account. You can request deletion at any time.

Newsletter data:

Retained until you unsubscribe or request deletion.

Analytics data:

Retained for 26 months (Google Analytics default). Matomo data is anonymous and cannot be deleted.

Tool input data:

Never stored. Automatically deleted when you leave the page.

Contact & Data Protection Officer

If you have any questions or concerns regarding privacy, or wish to exercise your rights, you may contact us using the details provided in the legal notice.

Policy Updates

This policy may be updated from time to time to reflect changes in our practices, new services, or applicable regulations. Your continued use of our services after changes constitutes acceptance of the updated policy.