Last Updated: [04 February 2026]
1. Introduction
This Privacy Policy explains how Fincul.com (“we”, “us”, “our”) collects, uses, stores and protects your personal data when you visit our website at https://fincul.com (the “Website”).
We are committed to protecting your privacy in accordance with:
- The UK General Data Protection Regulation (UK GDPR)
- The EU General Data Protection Regulation (EU GDPR, Regulation 2016/679)
- The California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA)
- Other applicable data protection laws
By using our Website, you acknowledge that you have read and understood this Privacy Policy.
2. Data Controller
The data controller responsible for your personal data is:
Preme Agency
Xantus János utca 240
7555 Csokonyavisonta
Hungary
Email: contact@fincul.com
Tax Number: 90706176-1-34
3. What Personal Data We Collect
3.1 Data You Provide Directly
- Contact form submissions: Name, email address, message content
- Comments: Name, email address, website URL (optional), comment content, IP address
- Account registration: Username, email address, password (hashed)
- Newsletter subscription: Email address (when implemented)
3.2 Data Collected Automatically
- Device information: Browser type, operating system, screen resolution
- Usage data: Pages visited, time spent on pages, referring website, click patterns
- Technical data: IP address (anonymised where possible), approximate location (country/city level)
- Cookie data: See Section 7 for details
3.3 Data from Third Parties
- Gravatar: Profile images based on email hash (if you use Gravatar)
- Embedded content: Data collected by embedded videos, social media posts, or other third-party content
4. How We Use Your Data
We process your personal data based on the following legal grounds under Article 6 GDPR:
| Purpose | Legal Basis | Data Used |
|---|---|---|
| Responding to enquiries | Legitimate interest / Contract performance | Name, email, message |
| Publishing comments | Consent | Name, email, comment, IP |
| Website analytics | Legitimate interest | Anonymised usage data |
| Spam prevention | Legitimate interest | IP address, user agent |
| Legal compliance | Legal obligation | As required by law |
| Newsletter (when active) | Consent | Email address |
5. Third-Party Services and Data Sharing
We use the following third-party services that may process your personal data:
5.1 Hosting Provider
Hetzner Online GmbH
Industriestr. 25, 91710 Gunzenhausen, Germany
Privacy Policy: https://www.hetzner.com/legal/privacy-policy
Hetzner provides server infrastructure for our Website. Data is processed within the European Economic Area (EEA).
5.2 Analytics
Google Analytics 4
Google Ireland Limited, Gordon House, Barrow Street, Dublin 4, Ireland
Privacy Policy: https://policies.google.com/privacy
We use Google Analytics 4 to understand how visitors interact with our Website. Google Analytics collects:
- Pages viewed and time spent
- Traffic sources and user journeys
- Device and browser information
- Approximate geographic location (country/city)
IP Anonymisation: Google Analytics 4 anonymises IP addresses by default within the EEA before storage.
Data Transfer: Data may be transferred to Google servers in the United States. Google participates in the EU-US Data Privacy Framework.
Opt-Out: You can opt out of Google Analytics by:
- Installing the Google Analytics Opt-out Browser Add-on
- Declining analytics cookies via our cookie consent banner
- Enabling “Do Not Track” in your browser settings
5.3 Spam Protection
Akismet (Automattic Inc.)
Privacy Policy: https://automattic.com/privacy/
Comments may be checked through Akismet’s automated spam detection service. Data processed includes IP address, user agent, and comment content.
5.4 Content Delivery and Security (Planned)
Cloudflare, Inc. (implementation pending)
Privacy Policy: https://www.cloudflare.com/privacypolicy/
When implemented, Cloudflare will provide CDN services and security features. This Privacy Policy will be updated accordingly.
5.5 Advertising (Planned)
Google AdSense (implementation pending)
When implemented, Google AdSense may use cookies to serve personalised advertisements. This Privacy Policy will be updated to reflect specific data processing activities.
5.6 Embedded Content
Our Website may include embedded content from third-party platforms such as YouTube, Vimeo, Twitter/X, or Instagram. When you view pages containing embedded content, these platforms may collect data about you, set cookies, and track your interaction with the content as if you had visited their websites directly.
6. International Data Transfers
Some of our third-party service providers are located outside the European Economic Area (EEA). When we transfer personal data outside the EEA, we ensure appropriate safeguards are in place:
- EU-US Data Privacy Framework: For transfers to US companies participating in the framework
- Standard Contractual Clauses (SCCs): EU-approved contractual terms for data protection
- Adequacy decisions: Where the European Commission has determined adequate protection exists
7. Cookies
7.1 What Are Cookies?
Cookies are small text files stored on your device when you visit websites. They serve various purposes including remembering your preferences, enabling website functionality, and collecting analytics data.
7.2 Cookies We Use
| Cookie Name | Purpose | Duration | Type |
|---|---|---|---|
| wordpress_logged_in_* | Authentication for logged-in users | Session / 2 weeks | Necessary |
| wordpress_test_cookie | Tests if cookies are enabled | Session | Necessary |
| wp-settings-* | Stores user interface preferences | 1 year | Functional |
| comment_author_* | Remembers commenter details | 1 year | Functional |
| _ga, _ga_* | Google Analytics tracking | 2 years | Analytics |
| cookieconsent_status | Stores cookie consent choice | 1 year | Necessary |
7.3 Managing Cookies
You can control cookies through:
- Our cookie consent banner: Displayed on your first visit
- Browser settings: Most browsers allow you to refuse or delete cookies
- Third-party tools: Such as the Google Analytics Opt-out Add-on
Please note that disabling certain cookies may affect website functionality.
8. Data Retention
| Data Type | Retention Period | Reason |
|---|---|---|
| Comments | Indefinitely (or until deletion request) | Spam detection, community value |
| Contact form submissions | 3 years | Business correspondence records |
| User accounts | Until account deletion | Service provision |
| Analytics data | 26 months (Google default) | Website improvement |
| Server logs | 30 days | Security, troubleshooting |
9. Your Rights Under GDPR (EEA and UK Residents)
If you are located in the European Economic Area or the United Kingdom, you have the following rights:
- Right of access (Art. 15): Request a copy of the personal data we hold about you
- Right to rectification (Art. 16): Request correction of inaccurate or incomplete data
- Right to erasure (Art. 17): Request deletion of your personal data (“right to be forgotten”)
- Right to restrict processing (Art. 18): Request limitation of how we use your data
- Right to data portability (Art. 20): Receive your data in a structured, machine-readable format
- Right to object (Art. 21): Object to processing based on legitimate interests
- Right to withdraw consent: Where processing is based on consent, you may withdraw it at any time
To exercise any of these rights, please contact us at contact@fincul.com. We will respond within one month.
Right to lodge a complaint: You have the right to lodge a complaint with your local supervisory authority. In Hungary, this is the National Authority for Data Protection and Freedom of Information (NAIH): https://www.naih.hu
10. Your Rights Under CCPA/CPRA (California Residents)
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):
- Right to know: What personal information we collect, use, disclose, and sell
- Right to delete: Request deletion of your personal information
- Right to opt-out: Opt out of the “sale” or “sharing” of personal information
- Right to correct: Request correction of inaccurate personal information
- Right to non-discrimination: We will not discriminate against you for exercising your rights
Categories of Personal Information Collected
In the preceding 12 months, we have collected the following categories of personal information:
- Identifiers (name, email address, IP address)
- Internet or network activity (browsing history, interactions with our Website)
- Geolocation data (approximate location based on IP)
Do Not Sell or Share My Personal Information
We do not “sell” personal information as defined by the CCPA. However, our use of analytics services may constitute “sharing” under California law. To opt out, please use our cookie consent banner to decline analytics cookies or contact us directly.
To submit a CCPA request, email contact@fincul.com with the subject line “CCPA Request”.
11. Children’s Privacy
Our Website is not directed at children under the age of 16. We do not knowingly collect personal data from children. If you believe we have inadvertently collected data from a child, please contact us immediately at contact@fincul.com, and we will take steps to delete such information.
12. Security Measures
We implement appropriate technical and organisational measures to protect your personal data, including:
- SSL/TLS encryption for data in transit
- Secure hosting infrastructure within the EEA
- Regular security updates and patches
- Access controls limiting who can view personal data
- Regular backups with encrypted storage
However, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security of your data.
13. Links to Third-Party Websites
Our Website may contain links to external websites. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to review their privacy policies before providing any personal information.
14. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. When we make material changes, we will:
- Update the “Last Updated” date at the top of this page
- Where appropriate, notify you via email or a prominent notice on our Website
We encourage you to review this Privacy Policy periodically.
15. Contact Us
If you have any questions about this Privacy Policy or wish to exercise your data protection rights, please contact us:
Email: contact@fincul.com
Contact Form: https://fincul.com/contact/
Postal Address:
Preme Agency
Xantus János utca 240
7555 Csokonyavisonta
Hungary
We aim to respond to all enquiries within 30 days.
This Privacy Policy was last reviewed and updated in February 2026.