1. Introduction

This Privacy Policy explains how Kaptal ("we," "our," or "us") collects, uses, and protects your information when you use our financial news service. We are committed to protecting your privacy and complying with applicable data protection laws, including the General Data Protection Regulation (GDPR).

Age Requirement: Our service is intended for users who are at least 16 years old. By using our service, you confirm that you meet this age requirement.

By using our service, you agree to the collection and use of information in accordance with this Privacy Policy.

2. Data Controller

Kaptal is the data controller responsible for your personal data. As the data controller, we determine the purposes and means of processing your personal information.

For any questions regarding data processing, please contact us at hello@kaptal.io.

3. Information We Collect

We collect minimal information to provide our service effectively:

4. Legal Basis for Processing

We process your personal data based on the following legal grounds under GDPR:

• •Legitimate Interest (Article 6(1)(f)): For service provision, analytics, security, and improving user experience
• •Consent (Article 6(1)(a)): For non-essential cookies and when you voluntarily provide feedback
• •Legal Obligation (Article 6(1)(c)): When required by law for data retention or disclosure

You can object to processing based on legitimate interest at any time by contacting us.

5. How We Use Information

We use the collected information for the following purposes:

• •Service Provision: To deliver, maintain, and improve our financial news service
• •Analytics: To understand usage patterns and optimize performance
• •Security: To prevent abuse, detect fraud, and ensure service security
• •Communication: To respond to your feedback and inquiries
• •Compliance: To meet legal and regulatory requirements

We do not use your information for advertising, marketing, or profiling purposes.

6. Data Retention

We retain your data for the following periods:

• •Analytics Data: 26 months (Google Analytics standard)
• •Log Files: 12 months for security and performance monitoring
• •Feedback Data: 3 years from last contact or until withdrawal of consent
• •Cookies: Various periods depending on type (see Cookies section)
• •Legal Requirements: As required by applicable law

After these periods, data is securely deleted or anonymized beyond recovery.

7. Information Sharing

We do not sell, trade, or rent your personal information. We may share information only in these limited circumstances:

• •Service Providers: Google Analytics, hosting providers, CDN services (all bound by data processing agreements)
• •Legal Requirements: When required by law, court order, or to protect our rights
• •Business Transfer: In the event of a merger, acquisition, or asset sale
• •Emergency: To protect the safety of users or the public

All third-party processors are required to maintain equivalent data protection standards.

8. International Data Transfers

Some of our service providers may be located outside the European Economic Area (EEA). When we transfer your data internationally, we ensure adequate protection through:

• •Adequacy Decisions: Transfers to countries deemed adequate by the European Commission
• •Standard Contractual Clauses: EU-approved data transfer agreements
• •Certification Schemes: Providers with recognized data protection certifications

For more information about specific safeguards in place, please contact us at hello@kaptal.io.

9. Cookies & Tracking Technologies

We use the following types of cookies and tracking technologies:

You can manage your cookie preferences through our cookie consent tool or your browser settings. For Google Analytics opt-out, visit Google's opt-out page.

10. Your Rights Under GDPR

You have the following rights regarding your personal data:

• •Right of Access: Request information about data we process about you
• •Right to Rectification: Request correction of inaccurate data
• •Right to Erasure: Request deletion of your data ("right to be forgotten")
• •Right to Restrict Processing: Limit how we use your data
• •Right to Data Portability: Receive your data in a machine-readable format
• •Right to Object: Object to processing based on legitimate interest
• •Right to Withdraw Consent: Withdraw consent for consent-based processing
• •Right to Lodge a Complaint: File complaints with supervisory authorities

To exercise these rights, contact us at hello@kaptal.io. We will respond within 30 days of receiving your request.

11. Changes & Contact Information