Privacy Policy

I. Who we are and the scope of this Policy

The data controller is the online publication/information platform "Finansist" (finansist.org). This Policy applies to the main domain finansist.org, all its sections and subdomains, as well as any pages referring to this document. If you do not agree with the terms of this Policy, please do not use the site.

II. What information we collect

We collect two types of information:

1. Data you provide voluntarily: name, email address and message text in the contact form; text and rating in reviews about exchange offices, banks or other institutions; any information you provide yourself when contacting the editorial team.
2. Data collected automatically: IP address, browser type and version, operating system, language and regional settings, referrer page, pages viewed on the site, date and time of visit, cookies and similar technologies, server log records.

We do not collect special categories of data (health status, religious beliefs, etc.) and do not ask you to provide them.

III. Legal basis for processing

Personal data processing is carried out in accordance with the Law of Ukraine "On Personal Data Protection" No. 2297-VI and other acts of Ukrainian legislation. For visitors from the European Union, we try to adhere to the principles of the General Data Protection Regulation (GDPR). The grounds for processing are:

1. your voluntary consent (e.g., when filling out a contact form or writing a review);
2. the legitimate interest of the controller in ensuring the operation, security and analytics of the site;
3. compliance with legal requirements, where provided for by current regulations.

IV. Purposes of data processing

We use the collected data for the following purposes:

1. ensuring the operation of the site and its features (converters, rate comparison, search, etc.);
2. processing user inquiries and responding to them via the contact details provided;
3. moderating reviews about financial institutions and exchange offices (checking for spam, abuse, inaccuracy);
4. traffic analytics to improve the site's content and usability;
5. ensuring security, preventing abuse, hacking attempts and spam attacks;
6. complying with Ukrainian legislation at the request of authorized bodies.

V. Cookies and analytics

The site uses cookies and similar technologies for operation and analysis:

1. Google Analytics and Google Tag Manager - to collect anonymized visit statistics (number of views, traffic sources, on-page behavior);
2. Cloudflare - to protect the site from attacks, filter malicious traffic and speed up page loading (technical/security cookies);
3. our own technical cookies - for the correct operation of certain site elements (display theme, saving language settings, etc.).

You can disable or restrict cookies in your browser settings at any time. Please note that afterwards some site features (e.g., saving language or theme preferences) may work worse or not at all.

VI. Disclosure of data to third parties

We do not sell or transfer your personal data to third parties for profit. Data may be shared only in the following cases:

1. to providers of technical services necessary for the site to function - Google (analytics), Cloudflare (protection and content acceleration), the hosting provider (data storage on servers);
2. at the lawful request of Ukrainian state authorities in accordance with current legislation;
3. if necessary to protect the rights, property or safety of Finansist, our users or third parties.

Such partners process data in accordance with their own privacy policies, and we recommend reviewing them separately.

VII. Data retention periods

Data is retained no longer than necessary to achieve the purpose of processing:

1. technical logs and analytical data are stored for a limited period sufficient for analysis and troubleshooting;
2. contact messages and reviews are stored for as long as necessary to process the inquiry, moderation and communication history;
3. upon your request, we will delete the data earlier, unless this contradicts legal requirements.

VIII. Your rights

As a user, you have the right to:

1. obtain access to your personal data that we process;
2. request correction of inaccurate or incomplete data;
3. request deletion of your data ("right to be forgotten");
4. withdraw previously given consent to processing at any time;
5. file a complaint with the Ukrainian Parliament Commissioner for Human Rights or another competent supervisory authority if you believe your rights have been violated.

To exercise any of these rights, contact us via the "Contacts" page on the site.

IX. Data protection

We apply technical and organizational measures to protect your data: connection encryption (TLS/HTTPS), restricted access to personal data for authorized personnel only, infrastructure protection via Cloudflare.

At the same time, no method of data transmission over the internet or data storage is 100% secure. Despite the measures taken, we cannot guarantee absolute protection against unauthorized access, cyberattacks or other actions by third parties that arise beyond our reasonable control, and we are not liable for the consequences of such actions provided that reasonable security measures were observed on our part.

X. Children

The Finansist site is not intended for persons under 18 years of age and is not aimed at a child audience. We do not knowingly collect personal data from children. If you believe that a child has provided us with their data, please contact us via the "Contacts" page so that it can be deleted.

XI. Links to third-party resources

The site contains links to third-party resources - websites of banks, exchange offices, crypto exchangers, news sources, and partner (referral) links. Following such links means you are leaving finansist.org.

We do not control and are not responsible for the content, accuracy or privacy policy of third-party websites. The terms of use of referral links and the subsequent processing of your data on such sites are governed by the rules of the relevant third-party service. We recommend reviewing the privacy policy of each resource separately before providing it with your data.

XII. Informational nature of the service

finansist.org is exclusively an informational platform. We are NOT a financial institution, bank, exchange office or party to currency exchange transactions, and we do not carry out such transactions ourselves.

1. Exchange rates, ratings, comparisons and other data on the site are for reference/informational purposes only and may differ from the actual rates at the time of the transaction.
2. The site's materials are not a public offer, advertising of specific financial products, or individual financial, investment or legal advice.
3. All decisions regarding the use of information from the site, as well as transactions with banks, exchange offices or other third parties, are made by the user at their own discretion and own risk.
4. The platform is not liable for the actions, inaction, quality of services or financial consequences of transactions carried out by the user with third parties mentioned or compared on the site.

XIII. Changes to the Policy

We may update this Privacy Policy at any time without prior notice, including in connection with changes in legislation or site functionality. The current version of the Policy is always available on this page, with the date of the last update indicated.

Continued use of the site after the publication of changes means that you have reviewed the updated version of the Policy and agree to it.

XIV. Contacts

If you have any questions regarding this Policy, the processing of your data, or wish to exercise your rights, please contact us via the "Contacts" page on the site.