Effective Date: July 1, 2025
Last Updated: July 1, 2025
Who We Are
Our website address is: http://diquinha.com. We are a financial information and educational website providing content about banking, loans, credit cards, investments, and other financial topics. We are committed to protecting your privacy and handling your personal information with care and transparency.
Important Note: We are an informational website only and do not provide financial services, accept deposits, or conduct financial transactions.
Information We Collect
Comments and User Interactions
When visitors leave comments on our website, we collect the data shown in the comment form, plus the visitor’s IP address and browser user agent string to help with spam detection.
An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. After approval of your comment, your profile picture is visible to the public in the context of your comment.
Media and File Uploads
If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS). Visitors to the website can download and extract any location data from images on the website.
Financial Content Disclaimer: Any financial documents or images you share should not contain sensitive financial information such as account numbers, social security numbers, or other confidential data.
Personal Information You Voluntarily Provide
- Contact Information: Name, email address when commenting or contacting us
- Financial Interests: General information about your financial interests (when voluntarily shared in comments or communications)
- Communication Data: Messages, feedback, and correspondence
Automatically Collected Information
- Technical Data: IP address, browser type, operating system, device identifiers
- Usage Analytics: Pages visited, time spent on site, referral sources
- Geographic Data: General location based on IP address (for content personalization)
Cookies and Tracking Technologies
Comment Cookies
If you leave a comment on our site, you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
Account and Login Cookies
If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
Content Management Cookies
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Analytics and Performance Cookies
We use cookies to understand how visitors interact with our website, which helps us improve our financial content and user experience. These cookies collect information anonymously.
Embedded Content from Other Websites
Articles on this site may include embedded content (e.g., videos, images, articles, financial calculators, market data widgets, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
Financial Content Notice: Embedded financial tools, calculators, or market data feeds may be provided by third-party financial service providers who have their own privacy policies and data collection practices.
How We Use Your Information
Primary Uses
- Content Delivery: Providing financial information and educational content
- User Experience: Personalizing content based on your interests and improving site functionality
- Communication: Responding to inquiries and providing support
- Security: Protecting against spam, fraud, and malicious activities
- Analytics: Understanding user behavior to improve our financial content
- Legal Compliance: Meeting legal obligations and protecting our rights
Financial Content Purposes
- Educational Content: Tailoring financial information to user interests
- Market Updates: Providing relevant financial news and market information
- Product Information: Sharing information about banking products, loans, and financial services
Who We Share Your Data With
Limited Data Sharing
We do not sell, trade, or otherwise transfer your personal information to third parties except in the following circumstances:
- Service Providers: Trusted third parties who assist us in operating our website (hosting, analytics, spam detection)
- Legal Requirements: When required by law or to protect our rights and safety
- Password Reset: If you request a password reset, your IP address will be included in the reset email
Financial Service Providers
We may share aggregated, non-personally identifiable information with financial institutions or service providers for the purpose of improving our content and understanding market trends. This information cannot be used to identify individual users.
How Long We Retain Your Data
Comment Data
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
User Account Data
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
Financial Information
Any financial interests or preferences you share are retained only as long as necessary to provide personalized content or until you request deletion.
Automated Deletion
We automatically delete spam comments and inactive user accounts according to our data retention schedule.
Your Rights Regarding Your Data
Data Access and Portability
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us.
Data Deletion
You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Data Correction
You have the right to request correction of inaccurate personal data we hold about you.
Marketing Communications
You can opt-out of any marketing communications at any time by contacting us or using unsubscribe links in emails.
Data Security
Security Measures
We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.
Financial Data Protection
Given the sensitive nature of financial information, we employ additional security measures including:
- Encrypted data transmission (SSL/TLS)
- Secure hosting environments
- Regular security audits and updates
- Limited access to personal data on a need-to-know basis
Breach Notification
In the event of a data breach that affects your personal information, we will notify you promptly in accordance with applicable laws.
Where Your Data Is Sent
Geographic Location
Your data is processed and stored on servers located in [Insert Server Location]. We ensure that any international data transfers comply with applicable privacy laws.
Spam Detection
Visitor comments may be checked through an automated spam detection service to help maintain the quality and security of our financial content discussions.
Third-Party Services
We may use third-party services for website analytics, content delivery, and security purposes. These services have their own privacy policies and data handling practices.
International Data Transfers
If you are accessing our website from outside the country where our servers are located, please be aware that your information may be transferred to, stored, and processed in a different country. We ensure appropriate safeguards are in place for any international data transfers.
Children’s Privacy
Our website is not intended for children under the age of 13, and we do not knowingly collect personal information from children under 13. If we become aware that we have collected personal information from a child under 13, we will take steps to delete such information promptly.
Given that our content focuses on financial topics, we recommend parental supervision for users under 18.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by:
- Posting the updated policy on our website
- Updating the “Last Updated” date at the top of this policy
- Sending email notifications for significant changes (if you have provided your email address)
Your continued use of our website after any changes indicates your acceptance of the updated Privacy Policy.
Contact Information
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
- Email: [Insert Contact Email]
- Website: http://diquinha.com
- Mailing Address: [Insert Business Address if applicable]
Legal Basis for Processing (GDPR Compliance)
For users in the European Union, we process your personal data based on the following legal bases:
- Legitimate Interest: To provide financial content and improve our services
- Consent: When you voluntarily provide information or consent to marketing communications
- Legal Obligation: When required by law to retain or process certain information
- Contract Performance: When necessary to provide services you have requested
Additional Rights for EU Residents
If you are located in the European Union, you have additional rights under the General Data Protection Regulation (GDPR):
- Right to object to processing based on legitimate interests
- Right to lodge a complaint with a supervisory authority
- Right to withdraw consent where processing is based on consent
- Right to data portability in machine-readable format
Additional Rights for California Residents
If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA):
- Right to know what personal information is collected and how it is used
- Right to delete personal information (subject to certain exceptions)
- Right to opt-out of the sale of personal information (Note: We do not sell personal information)
- Right to non-discrimination for exercising your privacy rights
Disclaimer for Financial Content
Important Reminder: This website provides financial information for educational purposes only. We do not provide personalized financial advice. Always consult with qualified financial professionals before making financial decisions. Our privacy practices do not change the fact that our content should not be considered as professional financial advice.
Acknowledgment: By using our website, you acknowledge that you have read, understood, and agree to this Privacy Policy and our Terms of Use. If you do not agree with our privacy practices, please do not use our website.