FinanceGuardReview Privacy Policy

1. General Provisions

This Privacy Policy explains which personal and technical data may be collected and processed when using the FinanceGuardReview website located at https://financeguardreview.com/.

FinanceGuardReview is an independent analytical website focused on finance. We publish reviews of brokers, investment platforms, chargeback services, and other online projects, and we also allow users to leave reviews and ratings on review pages.

By using the website, submitting a review, replying to a review, or contacting us by email, the user agrees that their data may be processed in accordance with this Privacy Policy.

If the user does not agree with this policy, they must stop using the website and must not submit data through FinanceGuardReview forms.

2. Who Is Responsible for Data Processing

Data processing as part of the website’s operation is carried out by the administration of FinanceGuardReview.

For questions related to personal data, the user may contact us by email at the address indicated on the website’s contact page.

3. What Data We Collect

FinanceGuardReview may collect and process data that the user provides independently, as well as technical data necessary for the operation and security of the website.

When a user leaves a review or reply to a review, they provide us with:

  • the name specified in the form;
  • email address;
  • star rating;
  • the text of the review or reply;
  • the date and time of form submission;
  • technical data related to form submission.

The name, rating, and review text may be published on the website after moderation. The user’s email address is not published on the review page.

If a user, company representative, or another interested party writes to us by email, we may process the sender’s email address, name or signature, the content of the request, documents, links, attachments, and other information that the sender voluntarily provides in the email.

When visiting the website, technical data may also be processed automatically:

  • IP address;
  • browser and device data;
  • operating system type;
  • date and time of visit;
  • pages visited;
  • referral source, if transmitted by the browser;
  • cookies and similar technical identifiers;
  • server log data;
  • information related to anti-spam and security checks.

4. How We Use Data

FinanceGuardReview uses user data for the following purposes:

  • publication of user reviews and replies after moderation;
  • calculation of user ratings for companies;
  • checking reviews for spam, rating manipulation, advertising, and manipulative placement;
  • communication with the user regarding their review or request;
  • consideration of requests to correct, clarify, or remove information;
  • processing messages from company representatives;
  • protection of the website from automated actions, malicious traffic, and attacks;
  • ensuring stable and secure operation of the website;
  • analysis of website traffic and performance through Google Analytics;
  • compliance with applicable legal obligations;
  • protection of the rights and legitimate interests of FinanceGuardReview, users, and third parties.

The email address provided in the review form is not used for marketing mailings. FinanceGuardReview does not have a separate email newsletter unless expressly stated otherwise in the future.

5. Legal Bases for Processing

Depending on the situation, FinanceGuardReview may process data on the following bases:

  • the user’s consent when they voluntarily submit a review, reply, email request, or agree to the Privacy Policy;
  • the user’s consent to the use of analytical cookies, if such consent is required and requested through a cookie banner;
  • the website’s legitimate interest in publishing user reviews, moderating content, preventing spam, protecting ratings from manipulation, and ensuring website security;
  • the need to process a request from a user or company representative;
  • compliance with applicable legal obligations, if such obligations arise;
  • protection of FinanceGuardReview’s rights and legitimate interests in disputed situations.

The user may withdraw consent where processing is based on consent. This does not affect the lawfulness of processing carried out before consent was withdrawn.

6. Publication of Reviews

If a user submits a review through a form on the website, the following may be published after moderation:

  • the name specified by the user;
  • star rating;
  • review text;
  • publication or submission date, if such information is displayed on the website.

The user’s email address is not published.

The user must not include bank details, document numbers, addresses, phone numbers, logins, passwords, third-party data, or other information in the review text that should not be posted publicly.

If a review contains sensitive data, personal data of third parties, spam, advertising, or other prohibited elements, it may be rejected by moderation.

7. Cookies and Cookie Banner

FinanceGuardReview uses cookies and similar technologies for website operation, spam protection, security, and traffic analysis.

The website uses a cookie banner through which the user can obtain information about the use of cookies. If the website uses cookies that require the user’s consent, such consent may be requested through the cookie banner.

Cookies may be used for:

  • proper operation of the website and forms;
  • protection against automated actions;
  • security checks;
  • website traffic analysis;
  • assessment of page stability and performance;
  • operation of Google Analytics.

The user may restrict or delete cookies through their browser settings. However, disabling some cookies may affect the operation of the website or individual functions.

8. Google Analytics

FinanceGuardReview uses Google Analytics to analyze website traffic, understand which pages users view, how they interact with materials, and what technical problems may arise when using the website.

Google Analytics may use cookies and similar technologies to collect statistical information about website visits. Such information may include data about the device, browser, approximate location, referral source, pages visited, and user actions on the website.

FinanceGuardReview uses Google Analytics for analytical purposes and to improve the operation of the website. We do not send directly identifying data to Google Analytics, such as a name, email address, phone number, or the text of a user’s personal requests.

The user may manage cookies through the cookie banner, browser settings, and privacy tools available for Google Analytics.

9. Cloudflare and Website Protection

FinanceGuardReview uses Cloudflare to protect the website, speed up page loading, filter malicious traffic, prevent attacks, and improve the stability of the resource.

Before submitting a review or reply to a review, the website may use Cloudflare Turnstile or another anti-spam mechanism. This check helps determine that the form is being submitted by a real user rather than an automated program, bot, or script.

As part of Cloudflare and Cloudflare Turnstile operation, technical data of website visitors may be processed, including IP address, request data, browser and device information, traffic routing, verification results, and other technical parameters necessary for security and spam protection.

Such processing is used to protect review forms, prevent automated submissions, reduce the risk of user rating manipulation, filter malicious traffic, and ensure stable website operation.

Cloudflare Turnstile is used as an anti-spam and security tool. It is not intended for FinanceGuardReview to send advertising messages to users or build marketing profiles based on the check performed before review submission.

10. Transfer of Data to Third Parties

FinanceGuardReview does not sell users’ personal data to brokers, investment platforms, advertisers, or other companies.

Data may be accessible to a limited number of service providers that help ensure website operation, security, analytics, hosting, content delivery, email communication, and technical maintenance.

Such providers may include:

  • hosting providers;
  • Cloudflare;
  • Google Analytics;
  • email providers;
  • anti-spam and security tools;
  • technical contractors, if they are necessary to support the website.

Such providers may process data only as part of tasks related to website operation, security, analytics, moderation, and request handling.

Data may also be disclosed if required by law, pursuant to a lawful request from a competent authority, or to protect the rights, safety, and legitimate interests of FinanceGuardReview, users, or third parties.

11. International Data Transfers

The FinanceGuardReview website is available to an international audience. In addition, certain technical services, including Cloudflare and Google Analytics, may use infrastructure in different countries.

Therefore, user data may be processed outside the user’s country of residence. In such cases, FinanceGuardReview strives to use service providers that apply reasonable data protection measures and operate in accordance with applicable privacy and security rules.

12. Data Retention Periods

FinanceGuardReview stores personal and technical data only for as long as necessary for the purposes described in this Privacy Policy.

Reviews published on the website may be stored for as long as the relevant review page remains available, unless the user has submitted a justified deletion request and there are no legal grounds to retain the information.

Email and technical data related to a review may be stored for as long as necessary for moderation, spam prevention, protection of ratings from manipulation, consideration of disputed situations, and ensuring website security.

Email correspondence with the editorial team may be stored for as long as necessary to process the request, verify the facts provided, protect the rights and legitimate interests of the website, or comply with applicable legal obligations.

Google Analytics data, Cloudflare data, server logs, and security data may be stored in accordance with the settings of the relevant services and the technical needs of the website.

13. User Rights

Depending on applicable law, the user may have the right to:

  • request access to their personal data;
  • ask to correct inaccurate data;
  • request deletion of data;
  • restrict data processing;
  • object to data processing;
  • withdraw consent if processing is based on consent;
  • request data portability, if such right applies;
  • lodge a complaint with a competent data protection authority.

To exercise these rights, the user may contact FinanceGuardReview by email at the address indicated on the website’s contact page.

To protect data, we may request additional information to confirm that the request was sent by the user themselves or by an authorized person.

14. Requests to Delete Reviews and Data

The user may contact FinanceGuardReview with a request to delete or check a review they have published.

The request should preferably include:

  • a link to the review page;
  • the name used when the review was published;
  • the email address that may have been provided when submitting the form;
  • a brief description of the request.

FinanceGuardReview will consider the request and may delete the review, hide it, anonymize the data, or request additional information to confirm authorship.

If a review or related data is important for protection against spam, rating manipulation, a legal dispute, or website security, some data may be retained in a limited scope for as long as necessary for lawful purposes.

15. Data Security

FinanceGuardReview applies reasonable technical and organizational measures to protect data against unauthorized access, loss, alteration, misuse, and unlawful disclosure.

Such measures may include:

  • use of a secure connection;
  • restriction of access to administrative sections;
  • moderation of user content;
  • anti-spam checks;
  • security tools;
  • use of Cloudflare;
  • technical monitoring of website operation.

At the same time, no method of transmitting data over the internet can be absolutely secure. The user should take this into account when sending any information through website forms or by email.

16. Children’s Data

FinanceGuardReview is not intended for children and is not aimed at collecting data from minors.

If we become aware that a child’s personal data has been submitted through the website without the necessary consent of a legal representative, we will take reasonable measures to delete such information.

17. External Links

The FinanceGuardReview website may contain links to third-party websites: regulators, corporate registers, company websites, review platforms, archives, and other resources.

FinanceGuardReview does not control the privacy policies or data processing practices of third-party websites. By following external links, the user should independently review the rules of the relevant resource.

18. Changes to the Privacy Policy

FinanceGuardReview may update this Privacy Policy. A new version takes effect after publication on the website, unless the text states otherwise.

The user is responsible for monitoring the current version of the document. Continued use of the website after the Privacy Policy is updated means acceptance of the new version.

19. Contacts

For questions about personal data processing, deletion of reviews, correction of data, or exercising user rights, users may contact FinanceGuardReview by email at the address indicated on the website’s contact page.