Privacy Policy
Last updated: May 2025
Effective date: May 2025
Finluxy.com (“Finluxy,” “we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains in detail what information we collect when you visit this site, how we use it, who we share it with, how long we retain it, and what rights you have over it.
Please read this policy carefully. By using Finluxy.com, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with any part of this policy, please discontinue your use of the site.
1. Who We Are
Finluxy.com is an independent financial data and research publication.
- Site name: Finluxy.com
- Owner and operator: Luong Ngo (individual)
- Contact email: [email protected]
- Contact page: finluxy.com/contact/
- Operating location: Vietnam (site directed primarily at users in the United States)
For the purposes of applicable data protection law, Luong Ngo is the data controller for personal data collected through this site.
2. What Information We Collect
a. Information You Provide Directly
When you submit our contact form, we collect:
- Your name
- Your email address
- The subject and content of your message
We collect this information solely to respond to your inquiry. We do not add you to any mailing list or marketing communications without your explicit, separate consent. We do not send newsletters or marketing emails based on contact form submissions.
b. Information Collected Automatically
When you visit Finluxy.com, certain technical information is collected automatically by our servers and third-party services:
- IP address — used for security monitoring, spam prevention, and approximate geographic analytics
- Browser type and version
- Device type and operating system
- Pages visited, time spent on pages, and navigation path
- Referring URL — the page you were on before visiting Finluxy.com
- Search queries — if you arrive via a search engine (search term may be passed in the URL)
- Cookies and similar tracking technologies — described in detail in Section 5 below
c. Google Analytics 4 (GA4)
We use Google Analytics 4 to analyze how visitors use our site. GA4 collects behavioral data — pages viewed, session duration, traffic sources, and similar metrics — in aggregated and anonymized form. This data helps us understand which content is useful to our audience and how to improve the site.
GA4 uses cookies and may associate data with a pseudonymous client identifier. We do not use GA4 to build individual user profiles or to identify you personally. IP addresses are anonymized by default in GA4.
Google’s data practices are governed by Google’s Privacy Policy: policies.google.com/privacy.
You can opt out of Google Analytics across all sites using the Google Analytics Opt-out Browser Add-on: tools.google.com/dlpage/gaoptout.
d. Google AdSense
We display advertisements through Google AdSense. Google and its advertising partners may use cookies and device identifiers to serve ads that are relevant to you based on your browsing history on this and other sites. This is called interest-based or personalized advertising.
You can review and control how Google uses your data for advertising at: adssettings.google.com.
You can also opt out of interest-based advertising from participating networks at: optout.aboutads.info or optout.networkadvertising.org.
e. WordPress Platform Data
This site runs on WordPress. WordPress sets essential cookies for site functionality, including a session cookie if you interact with any forms. WordPress may log server-level access data for security purposes.
3. How We Use Your Information
We use the information we collect for the following purposes:
- To respond to your messages — contact form data is used solely to reply to your inquiry
- To analyze and improve site content — GA4 analytics help us understand what topics are useful to our audience and how to improve site structure and navigation
- To serve display advertising — Google AdSense uses data to serve relevant ads; this is the primary mechanism through which advertising revenue is generated
- To ensure site security — IP addresses and server logs are used to identify and block abusive traffic, spam form submissions, and potential security threats
- To comply with legal obligations — we retain certain records to comply with applicable law
We do not use your data to build marketing profiles, send unsolicited emails, or target you with personalized content on this site. We do not combine information from contact forms with analytics data to identify individual users.
4. Legal Basis for Processing (GDPR)
If you are located in the European Economic Area (EEA) or the United Kingdom, we process your personal data on the following legal bases:
- Legitimate interests — site analytics, security monitoring, and performance optimization, where these do not override your privacy rights
- Consent — for cookies used for advertising and analytics beyond essential site operation. You may withdraw consent at any time by adjusting your browser cookie settings or using the opt-out tools listed in Section 5
- Contractual necessity — processing contact form data to respond to your inquiry
- Legal obligation — retaining records required by law
If you are in the EEA or UK and have concerns about our data processing, you have the right to lodge a complaint with your local data protection authority.
5. Cookies
Cookies are small text files stored in your browser when you visit a website. We use cookies for three purposes:
| Category | Purpose | Examples | Can be disabled? |
|---|---|---|---|
| Essential | Core site functionality — contact forms, WordPress session management | WordPress session cookies, Contact Form 7 | No — disabling breaks core functions |
| Analytics | Understanding how visitors use the site (Google Analytics 4) | _ga, _gid, _gat | Yes — see GA4 opt-out tools above |
| Advertising | Serving relevant display ads (Google AdSense) | Google advertising cookies | Yes — see AdSense opt-out tools above |
How to control cookies: Most browsers allow you to view, block, or delete cookies through their settings. The process varies by browser:
- Chrome: Settings → Privacy and security → Cookies and other site data
- Firefox: Settings → Privacy & Security → Cookies and Site Data
- Safari: Preferences → Privacy → Manage Website Data
- Edge: Settings → Cookies and site permissions
Note that blocking all cookies may affect site functionality, particularly contact forms.
6. Third-Party Data Processors
We share data with the following third parties as part of operating this site:
| Third Party | Purpose | Privacy Policy |
|---|---|---|
| Google LLC | Analytics (GA4) and advertising (AdSense) | policies.google.com/privacy |
| DreamHost | Site infrastructure and server logs | dreamhost.com/legal/privacy-policy/ |
| Contact Form 7 | Processing contact form submissions | contactform7.com/privacy-policy/ |
We do not sell your personal data to any third party. We do not share your data with third parties for their marketing purposes.
7. Third-Party Links
Finluxy.com contains links to external websites, including affiliate links to products and services. When you click these links, you leave our site. We are not responsible for the privacy practices, content, or data collection of any third-party website. We encourage you to review the privacy policy of any external site you visit before providing personal information.
8. Data Retention
- Contact form submissions — retained for up to 12 months, then permanently deleted. If you request deletion earlier, we will process that request within 30 days.
- Analytics data — retained according to Google Analytics’ standard settings (26 months by default for user-level data). We do not control Google’s retention of analytics data; you can request deletion via Google’s tools.
- Server access logs — retained for up to 90 days for security purposes, then deleted.
9. Your Rights
U.S. Residents
Depending on your state, you may have rights including:
- The right to know what personal information we hold about you
- The right to request deletion of your personal information
- The right to opt out of the sale of personal information (we do not sell personal information)
California residents (CCPA/CPRA): You have the right to know what personal information we collect, the right to delete it, and the right to opt out of sale. We do not sell personal information as defined under California law. To exercise your rights, contact us at [email protected].
Virginia, Colorado, Connecticut, Texas, and other state residents: Similar rights may apply under your state’s consumer data privacy law. Contact us with any request.
EEA and UK Residents (GDPR / UK GDPR)
If you are located in the EEA or UK, you have the following rights under GDPR:
- Right of access — to request a copy of the personal data we hold about you
- Right to rectification — to correct inaccurate data
- Right to erasure — to request deletion of your data (“right to be forgotten”)
- Right to restrict processing — to limit how we use your data in certain circumstances
- Right to data portability — to receive your data in a structured, machine-readable format
- Right to object — to object to processing based on legitimate interests
- Right to withdraw consent — where processing is based on consent, you may withdraw it at any time
To exercise any of these rights, email [email protected]. We will respond within 30 days. If you believe we have not handled your data correctly, you may lodge a complaint with your national data protection authority.
10. Children’s Privacy
Finluxy.com is not directed at individuals under the age of 16. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided personal information to us without your consent, please contact us at [email protected] and we will promptly delete the relevant information.
11. Security
We implement reasonable technical and organizational measures to protect personal data against unauthorized access, loss, or alteration. These include HTTPS encryption for all site traffic, access controls on administrative systems, and limited retention of personal data.
However, no website or internet transmission is completely secure. We cannot guarantee the absolute security of information transmitted to or from our site. If you believe your data has been compromised, please contact us immediately.
12. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, or legal requirements. When we update the policy, we will revise the “Last updated” date at the top of this page. For significant changes that materially affect how we handle your data, we will make reasonable efforts to provide additional notice.
Continued use of Finluxy.com after changes are posted constitutes your acceptance of the updated policy.
13. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or your personal data:
Email: [email protected]
Contact form: finluxy.com/contact/
We aim to respond to all privacy-related inquiries within 5 business days.