thefinancialhygiene

Privacy Policy

Website: https://thefinancialhygiene.com

Last Updated: 2026-06-08

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. The only personal data we collect is only when you explicitly request that calculator results be sent to you via the “Email to myself” feature. This requires your email id for delivery. We do not use this for marketing. Outside of that feature, we do not collect your name, email, or any other identifying information.

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 “Email to myself” Feature

When you use the Email to myself feature on any calculator or tool on this website, we collect your email address for the sole purpose of delivering those results to you.

Data Purpose Lawful Basis
Email address Deliver requested calculator results to you Legitimate interest — fulfilling an explicit user request (GDPR Art. 6(1)(f)); performance of a service (DPDP Act)

How your email is processed:

  1. Your email address is submitted via the on-page form
  2. It is stored temporarily in our WordPress database (hosted on Hostinger)
  3. It is transmitted via WP Email Plugin Lite using Hostinger’s SMTP server (smtp.hostinger.com) to deliver your results
  4. After delivery, it is retained for a maximum of 30 days, then deleted from our database

What we do not do with your email: – We do not add it to any mailing list – We do not use it for marketing without your separate, explicit consent – We do not share it with any third party — Hostinger handles both our website hosting and email delivery under a single Data Processing Agreement

SMTP and data processor: Outbound emails are sent via Hostinger’s mail infrastructure (smtp.hostinger.com). Hostinger acts as our data processor for both hosting and email delivery. Hostinger’s Data Processing Addendum, which covers “Email Services” as a Covered Service, is available at hostinger.com/legal/dpa. Hostinger uses EU Standard Contractual Clauses for any transfers of data outside the EEA.

3.3 Opt-Out of Analytics

Even though no cookies are used for analytics, you can opt out of Matomo tracking entirely. Use the opt-out control at the bottom of this page.

3.4 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))
Email address — “Email to myself” feature Legitimate interest — fulfilling an explicit user request (GDPR Article 6(1)(f)); performance of a service (DPDP Act)

As no cookies are placed and no personal data is collected via analytics, no consent is required for analytics under GDPR or the DPDP Act. The “Email to myself” feature requires you to actively enter your email address — this constitutes a clear affirmative action under both laws.

5. Data Retention

Data Retention Period
Analytics data (Matomo) 12 months, then automatically deleted
Server logs (Hostinger) As per Hostinger’s infrastructure policy
Email addresses — “Email to myself” feature Maximum 30 days from submission, then deleted from WordPress database

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.

Email addresses submitted via the “Email to myself” feature are stored in our WordPress database on Hostinger and delivered via Hostinger’s own SMTP infrastructure (smtp.hostinger.com). Hostinger acts as our sole data processor for both hosting and email delivery under their Data Processing Addendum, which explicitly covers both “Hosting Services” and “Email Services” as Covered Services.

Hostinger uses EU Standard Contractual Clauses (Module Two: Controller to Processor) for any transfers of Customer Data outside the EEA, ensuring adequate safeguards. Their full DPA is available at hostinger.com/legal/dpa.

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 first; we will respond within 30 days
  • Nominate a representative for data rights in the event of incapacity
  • Complain to the Data Protection Board of India if your grievance is not resolved — Website: dpboard.gov.in

To withdraw consent for your email address to be stored or used, contact us at connect@thefinancialhygiene.com and we will delete it promptly.

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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