Welcome to Abbas Studio (“we,” “us,” “our”). We operate a suite of 1,500+ browser‑based utilities available at https://financeguru.me/ (the “Website”). This Privacy Policy explains how we collect, use, store, disclose, and protect information when you access or use our tools, browse the site, subscribe to communications, or interact with support.
We are committed to transparency, minimal data collection, and secure handling of any information processed through our platform.
If you do not agree with this Policy, please discontinue use of the Website.
2. Key Principles
We follow these core privacy principles:
- Data Minimization – We only collect what is necessary for functionality, analytics, security, or compliance.
- Purpose Limitation – Data is not repurposed in materially incompatible ways without notice.
- Security by Design – Industry‑standard safeguards are applied to protect data.
- User Rights – We support GDPR, UK GDPR, CCPA/CPRA, LGPD, and other applicable frameworks where feasible.
- Transparency – This Policy clearly describes data practices in plain language.
3. Scope
This Policy applies to:
- Visitors (browsing only)
- Users actively using tools (e.g., text converters, generators, color converters)
- Individuals contacting us via email
- Advertisements & analytics interactions
It does NOT cover third-party websites, browser extensions, CDN layers, ad networks, or external links we reference. Those entities have their own policies.
4. Information We Collect
We categorize data as (A) Non-Personal, (B) Potentially Personal, and (C) Personal Data (as legally defined).
4.1 Data You Provide Voluntarily
Depending on your interaction:
- Contact details: email address (when you email us at admin@financeguru.me or use a contact form)
- Feedback or support messages
- Optional newsletter subscription (if implemented)
- API key request info (if/when APIs are launched)
We currently do not require user account creation (if this changes, update this section).
4.2 Tool Input Data
Many tools allow users to paste text, upload (or drag-and-drop) files, enter numbers, colors, dates, or code snippets.Operational Model:
- Most tools process data in-browser (client-side) where possible.
- If a tool requires server-side processing (e.g., image transformation), the input may be transmitted temporarily to our server or a trusted processor strictly to complete the requested function.
- Unless explicitly stated, we do not permanently store tool input content beyond the processing session.
- You are responsible for ensuring sensitive or confidential materials are not submitted if you are unsure of handling.
(If you DO store logs or inputs for improvement, add details here: e.g., “Some anonymized usage logs are retained for X days”.)
4.3 Automatically Collected (Usage & Technical) Data
When you visit the Website, we (or third parties) may automatically collect:
- IP address (may be truncated or anonymized)
- Browser type, version, language
- Device type, operating system
- Referring/exit pages, timestamps
- Pages or tools accessed, interaction events
- Approximate geolocation (derived from IP, not precise GPS)
- Performance metrics (Core Web Vitals) and error logs
4.4 Cookies & Similar Technologies
We may use:
- Essential cookies: security, load balancing, session continuity
- Preference cookies: remember settings (e.g., theme, last used tool) (optional)
- Analytics cookies: aggregated usage metrics (e.g., Google Analytics)
- Advertising cookies: for Google AdSense and contextual ads (non-personalized or personalized depending on consent region)
- LocalStorage / SessionStorage: to retain tool states locally on your browser without transmitting to us
You can manage or opt out via:
- Browser settings
- Cookie consent banner (if implemented)
- Google Ad settings: https://adssettings.google.com/
4.5 Third-Party Sources
We may receive limited technical or aggregated data from:
- Analytics providers (e.g., Google Analytics)
- Advertising networks (e.g., Google AdSense)
- Security/CDN providers (e.g., Cloudflare) for threat detection
5. How We Use Information
We use data to:
- Provide, operate, and enhance tools
- Debug performance issues and ensure uptime
- Personalize interface preferences (where applicable)
- Respond to inquiries and support requests
- Display relevant ads and measure their performance
- Prevent abuse, fraud, and attacks (rate limiting, anomaly detection)
- Comply with legal obligations & enforce Terms
We do not sell personal data for monetary consideration.
6. Legal Bases (EEA/UK Users)
Where GDPR/UK GDPR applies, our processing is based on:
- Contractual necessity (tool functionality)
- Legitimate interests (analytics, security, optimization)
- Consent (non-essential cookies, marketing, personalized ads)
- Legal obligation (record-keeping, regulatory compliance)
- Vital or public interest (rare; typically not applicable here)
7. Advertising & Analytics
We may use:
- Google AdSense (contextual or personalized ads)
- Google Analytics or similar (with IP anonymization where configured)
- Anti-fraud & viewability partners
To opt out of interest-based ads:
- YourAdChoices (US): https://optout.aboutads.info/
- EDAA (EU): https://www.youronlinechoices.com/
- NAI: https://optout.networkadvertising.org/
If using Google services, please link to: https://policies.google.com/technologies/ads(Ensure compliance with Google Publisher Policies.)
8. Data Retention
We retain:
- Server logs: typically 7–90 days (adjust if different)
- Security/event logs: up to 12 months (if needed for audits)
- Support correspondence: until resolved + archival period (e.g., 12 months)
- Non-essential analytics: aggregated; retention defined by analytics provider settings
- Tool input: not stored unless explicitly necessary (state current practice)
Once retention periods expire, data is anonymized or securely deleted.
9. Data Sharing & Disclosure
We do not sell or rent personal data. We may share limited data with:
- Service providers (hosting, security, analytics, advertising)
- Legal authorities (lawful requests, subpoenas)
- Successor entity (merger, acquisition, restructuring – with notice)
- Anti-abuse systems (spam, bot filtering)
All third parties are expected to adhere to confidentiality and lawful processing obligations.
10. International Data Transfers
Data may be processed in multiple jurisdictions. Where required, we rely on:
- Standard Contractual Clauses (SCCs)
- Adequacy decisions
- Contractual safeguards
By using the Website, you acknowledge potential cross-border transfers.
11. Your Privacy Rights
Depending on your location, you may have rights to:
- Access: Obtain confirmation and a copy of your data
- Rectification: Correct inaccurate data
- Erasure: Request deletion (subject to exemptions)
- Restriction: Limit processing in certain cases
- Objection: To processing based on legitimate interests or direct marketing
- Portability: Receive data in structured, commonly used format
- Withdraw Consent: For activities based on consent (e.g., personalized ads)
CCPA/CPRA (California): Rights to know, delete, correct, and opt-out of “sharing” for cross‑context behavioral advertising. We do not “sell” personal information as defined, but if ad personalization qualifies as “sharing,” you may opt out via cookie controls.
To exercise rights: email admin@financeguru.me with subject: Privacy Request. We may verify identity before fulfilling requests.
12. Children’s Privacy
The Website is not directed to children under 13 (or under the minimum digital consent age in your region). We do not knowingly collect personal data from children. If you believe a child provided data, contact us for removal.
13. Security
We implement administrative, technical, and organizational safeguards such as:
- HTTPS/TLS encryption
- Firewall & CDN (e.g., DDoS mitigation)
- Access controls (least privilege)
- Hashing/pseudonymization where applicable
- Regular dependency & vulnerability reviews
No system is 100% secure; use discretion with sensitive inputs.
14. Cookies & Consent Management
A consent banner may appear for EEA/UK users to select:
- Essential (always active)
- Analytics (optional)
- Ads/Personalization (optional)
You can:
- Adjust preferences via a “Cookie Settings” link (add link when implemented)
- Clear cookies in browser settings
15. Do Not Track (DNT)
The Website currently does not respond to DNT signals due to lack of standardized industry protocol.
16. Third-Party Links & Tools
Links or embedded components (e.g., fonts, scripts, ad iframes) operated by third parties have separate policies. We are not responsible for their practices; review their privacy notices before use.
17. Automated Decision-Making / Profiling
We do not engage in automated decision-making that produces legal or similarly significant effects. Ad personalization (if consented) may involve limited profiling for relevance.
18. Changes to This Policy
We may update this Policy periodically. “Last Updated” date reflects revision. Significant changes may be announced via on-site notice or email (if applicable). Continued use constitutes acceptance.
19. Contact Us
Controller / Site Operator: Abbas StudioWebsite: https://financeguru.me/Email: admin@financeguru.me(If legally required: add physical mailing address / registered entity details here.)
For EU/UK representative or DPO (if appointed): [Add details or state “Not currently appointed.”]
20. Additional Regional Notices
20.1 European Economic Area / UK
You may lodge a complaint with your local Supervisory Authority if you believe processing is unlawful.
20.2 California (CCPA/CPRA)
Categories Collected (in last 12 months):
- Identifiers: IP address, email (if provided)
- Internet Activity: tool usage, pages viewed
- Geolocation: Approximate (derived)
- Inferences: None stored for persistent profilesSensitive Personal Information: Not collected knowingly.
20.3 Brazil (LGPD)
Legal bases mirror GDPR principles (consent, legitimate interest, legal obligation). Contact us for any LGPD-specific access or deletion requests.
21. User Responsibilities
- Do not upload confidential or regulated data (e.g., health records, financial statements, personal IDs) unless you understand tool handling.
- Anonymize or redact sensitive content when feasible.
- Comply with local laws governing data you process.
22. No Professional Advice
Outputs or transformations from tools are informational only and not guaranteed for legal, financial, medical, or engineering accuracy.
23. Glossary (Simplified)
Personal Data: Information relating to an identified or identifiable person.Processing: Any operation performed on data (e.g., collection, storage).Controller: Entity deciding “why” and “how” data is processed.Cookies: Small text files stored on your device for functionality or analytics.
24. Summary (Quick Read)
- We minimize data collection and process most tool inputs locally when possible.
- Ads & analytics may use cookies (with consent options for certain regions).
- You can request access, deletion, or correction of personal data.
- Security measures are in place but no method is infallible.
- Policy may change; review periodically.