Privacy Policy

Overview

This Privacy Policy describes how JJEM Finance ("we", "us", or "our") collects, uses, and protects information when you visit our website (the "Site"). JJEM Finance is an educational reference and does not sell products, manage accounts, or provide personalised services. Because of this, the personal data we process is minimal by design.

Information we collect

We collect only the information necessary to operate, secure, and improve the Site:

• Usage data — pages visited, time spent on the Site, referring URLs, search terms entered into the on-site glossary search, and similar non-identifying analytics.
• Device and browser data — browser type and version, operating system, approximate geographic region (derived from IP address, not stored at full precision), screen size, and language preference.
• Cookies and similar technologies — small data files stored in your browser. See our Cookie Policy for the full list and purpose of each cookie we use.
• Voluntary communications — if you contact us by email, we receive the contents of your message and any information you choose to provide.

We do not collect financial account information, government identifiers, or any "special categories" of personal data as defined under data-protection laws.

How we use information

The data described above is used for the following purposes only:

• To deliver the Site reliably and securely.
• To understand which topics readers find useful and which entries need improvement.
• To detect and prevent abuse, fraud, or technical attacks.
• To comply with applicable legal obligations.
• To respond to messages you send us.

We do not use your data to profile you, build advertising audiences across other websites, or sell information to third parties.

Legal bases (for visitors in the EEA and UK)

Where the EU General Data Protection Regulation or the UK GDPR applies, we rely on the following legal bases:

• Legitimate interest for analytics that are anonymous or aggregated, and for site-security measures.
• Consent for non-essential cookies, requested through the cookie banner the first time you visit the Site.
• Legal obligation where we are required by law to retain or disclose certain records.

Third-party services

We rely on a small number of third-party providers to host the Site and deliver basic analytics. These providers process data on our behalf under written agreements and may not use it for their own purposes. When you visit JJEM Finance, your browser may exchange information with:

• The web host or content delivery network serving the Site files.
• The font service that supplies the typography used on the Site (we use it in a privacy-respecting mode where possible).
• A privacy-friendly analytics provider, used only where consent has been given.

Data retention

Analytics records are retained in aggregated form for up to 24 months, after which they are deleted or fully anonymised. Server access logs are retained for up to 30 days for security and debugging purposes. Email correspondence is retained for as long as needed to address your enquiry and for a reasonable period afterwards.

Your rights

Depending on where you live, you may have the right to:

• Request a copy of the personal data we hold about you.
• Ask us to correct inaccurate information.
• Ask us to delete information we no longer need to retain.
• Object to or restrict certain types of processing.
• Withdraw any consent you have previously given.
• Lodge a complaint with the relevant data-protection authority.

To exercise any of these rights, please contact us using the details on our contact page.

Children

JJEM Finance is intended for a general adult audience and is not directed at children under the age of 16. We do not knowingly collect personal data from children. If you believe a child has provided us with personal data, please contact us and we will delete it.

Security

We take reasonable technical and organisational measures to protect the data we process, including secure hosting, restricted access, encryption in transit, and regular review of our practices. No system is perfectly secure, however, and we cannot guarantee absolute protection against unauthorised access.

International transfers

Some of the providers we work with may store or process data in countries other than the one where you are located. Where data leaves your country, we rely on lawful transfer mechanisms such as standard contractual clauses approved by the relevant authority.

Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. The "Last updated" date at the top of this page indicates the date of the most recent revision. If the changes are material, we will make the update prominent on the Site for a reasonable period.

Contact

If you have any questions about this Privacy Policy or our handling of your data, please reach us through the contact page.