Privacy Policy

Last Updated: October 6, 2025 · Operator: Smart Finance Hub · Contact: davitchh@gmail.com

1. Information We Collect

• Automatically Collected Data: IP address, cookies, browser/device information, visit time, viewed pages, and referrer source (via analytics tools).
• User-Provided Data (Optional): Name, email address, phone number, message content, and file attachments submitted via the Contact form.

2. Purpose of Use

• Responding to inquiries and providing customer support
• Improving content quality through traffic analytics (page views, session duration, etc.)
• Providing personalized ads and measuring ad performance (Google AdSense / affiliate ads)
• Legal compliance, dispute resolution, and record keeping

3. Retention Period

• Contact form data: retained up to 3 years after processing, then securely deleted
• Logs and cookies: retained until the purpose is fulfilled or according to each tool’s policy
• Data required by law will be retained for the legally mandated period

4. Third-Party Sharing & Data Processing

• Google AdSense / Ad Manager – for personalized advertising
• Google Analytics – for traffic analysis
• Blogger (Google) – for hosting and service operation

Refer to each provider’s policy for details: Google Privacy Policy

5. Cookies & Personalized Advertising

• This blog uses cookies to improve service and deliver personalized ads.
• You can disable or delete cookies in your browser settings.
• Manage your ad preferences:
  • Google Ad Settings
  • Opt-out of Interest-Based Ads

6. User Rights

• Users may request access, correction, deletion, or restriction of their personal data after identity verification.
• Requests: davitchh@gmail.com (Please include “Privacy Request” in the subject line)

7. Data Security

• We implement technical and managerial safeguards such as limited access, two-factor authentication, and regular security checks.
• However, due to the nature of the internet, complete security cannot be guaranteed.

8. Children’s Privacy

This blog does not knowingly collect information from children under 14. Any such data discovered will be deleted upon request from a parent or guardian.

9. External Links

When following links to external sites, their own privacy policies apply. Please review them before providing any information.

10. Policy Updates

This policy may be updated to reflect legal or service changes. The latest revision date will be shown at the top of this page.

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