Privacy Policy
Website: https://thefinancialhygiene.com
Last Updated: 2026-03-07
Data Controller: Ishita Gupta
Contact: connect@thefinancialhygiene.com
1. Overview
This Privacy Policy explains how thefinancialhygiene collects, uses, and protects information when you visit this website.
This website is operated by an individual based in Germany and serves users primarily in India and Germany. It is subject to: – The General Data Protection Regulation (GDPR) — EU Regulation 2016/679 – India’s Digital Personal Data Protection Act 2023 (DPDP Act)
We are committed to data minimisation. We do not ask you to create an account, do not collect your name or email, and do not share any data with third parties.
2. Who Is the Data Controller
Ishita Gupta
Aichach Bavaria Germany
connect@thefinancialhygiene.com
3. What Data We Collect and Why
3.1 Anonymous Analytics — Matomo (Self-Hosted, Cookieless)
This website uses Matomo Analytics, self-hosted on our own server with cookieless tracking enabled. This means:
- No analytics cookies are placed in your browser
- Data does not leave our server — nothing is shared with Google, Meta, or any third party
- Your IP address is anonymized before storage (last 2 bytes removed)
| Data | Purpose | Personal? |
|---|---|---|
| Pages visited | Understand popular content | No |
| Calculator features used | Improve tool design | No |
| Approximate country | Understand audience geography | No — full IP is anonymized |
| Device type / browser / OS | Optimise for common devices | No — aggregated only |
| Session duration | Understand engagement | No |
| Referrer source | Understand traffic channels | No |
We do not collect: – Name, email, phone, or any identity – Financial data entered into calculators – Full IP addresses (anonymized before storage) – Any data that can identify you personally
3.2 Opt-Out
Even though no cookies are used for analytics, you can opt out of Matomo tracking entirely. Visit our Privacy Policy page and use the opt-out control at the bottom of the page.
3.3 Server Logs
Like all websites, our hosting server (Hostinger) automatically logs basic connection data including IP addresses, request timestamps, and browser type. These are standard infrastructure logs, retained for a short period for security purposes, and are not processed by this website’s analytics system.
4. Lawful Basis for Processing
| Processing Activity | Lawful Basis |
|---|---|
| Cookieless anonymous analytics | Legitimate interest — improving website content and usability (GDPR Article 6(1)(f)) |
| Server infrastructure logs | Legitimate interest — security (GDPR Article 6(1)(f)) |
As no cookies are placed and no personal data is collected, no consent is required for analytics under GDPR or the DPDP Act.
5. Data Retention
| Data | Retention Period |
|---|---|
| Analytics data (Matomo) | 12 months, then automatically deleted |
| Server logs (Hostinger) | As per Hostinger’s infrastructure policy |
6. Data Storage and Transfers
Analytics data is stored in our WordPress database hosted on Hostinger servers. No analytics data is transferred to Google, Meta, or any third party.
If Hostinger’s infrastructure involves data centres outside the EEA, standard contractual clauses or equivalent safeguards apply as per Hostinger’s Data Processing Agreement.
7. Your Rights
Under GDPR (EU/EEA visitors)
You have the right to:
- Access — request a copy of data held about you
- Erasure — request deletion of your data
- Restriction — request we limit processing
- Object — object to processing based on legitimate interest
- Portability — receive your data in a portable format
- Lodge a complaint — with your local supervisory authority
Germany: Bundesbeauftragter für den Datenschutz und die Informationsfreiheit (BfDI) Website: bfdi.bund.de
Under DPDP Act 2023 (India visitors)
You have the right to:
- Access information about personal data processed
- Correction and erasure of inaccurate or unnecessary data
- Grievance redressal — raise concerns with us directly
- Nominate a representative for data rights in the event of incapacity
To exercise any rights, contact: connect@thefinancialhygiene.com We will respond within 30 days.
8. Cookies
See our separate Cookie Policy for full details of cookies used on this site.
This website uses no analytics or tracking cookies. The only cookie that may be set is a functional opt-out preference cookie if you choose to opt out of Matomo tracking.
9. Children
This website is not directed at children under 16 (GDPR) or under 18 (DPDP Act). We do not knowingly collect data from minors.
10. Changes to This Policy
If we make material changes — such as introducing user accounts, consent-based analytics, or new data collection — we will update this page with the new date.
11. Contact
For any privacy-related questions or to exercise your rights:
Email: connect@thefinancialhygiene.com
Response time: Within 30 days
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