Privacy Policy

FinThinkHub (“we”, “us”, or “our”) is committed to protecting the privacy of every visitor and user across our platform. This policy applies to finthinkhub.com (our editorial platform) and GuideFin (India's goal-driven retirement planning app, integrated within the FinThinkHub ecosystem). By using either product, you agree to the practices described here. Questions? Contact us at Contact@finthinkhub.com.

2a. FinThinkHub (Editorial Platform)

• Newsletter Subscribers: Email address collected at opt-in only.
• Contact / Consultancy Inquiries: Name, email, and message body — used solely to respond to your inquiry.
• Anonymous Usage Analytics: Vercel Analytics (cookieless) collects aggregate traffic patterns only. No PII is collected or stored.
• Admin Users: Editorial staff email + hashed password stored exclusively in our database; never shared.

2b. GuideFin (Retirement Planning App)

• User Inputs (Device-Local): Age, savings, target corpus, expenses, and inflation rates are computed entirely on your device. Your financial inputs are never transmitted to our servers.
• Monte Carlo & Scenario Data: Bucket allocations, withdrawal rates, and life events remain on-device and are not synced to our infrastructure.
• Crash & Stability Analytics: With your permission, non-PII crash logs (no financial data) may be collected via Sentry to improve app stability.
• No Account Required: GuideFin operates without mandatory accounts — no login, no identity linkage.

• Sending the FinThinkHub newsletter to opted-in subscribers.
• Responding to contact and consultancy inquiry messages.
• Improving content quality using aggregate, anonymised analytics.
• Diagnosing GuideFin bugs via anonymised crash reports.
• Administering platform security (rate-limiting, fraud detection, abuse prevention).

We do not sell, rent, or trade your personal data or financial inputs to any third party — including ad networks, data brokers, AMCs, or financial institutions.

• Local Computation: All corpus calculations, 3-Bucket strategy modelling, and Monte Carlo simulations run entirely on your device. Your financial numbers never leave your browser or app instance.
• No Financial Profiling: We do not infer, store, or transmit information about your net worth, income, or investment holdings.
• No Third-Party Ad Tracking: GuideFin contains no advertising SDKs or behavioural tracking tools. Your planning activity is not monetised through data.
• Market Reference Data: Anonymised market reference data (index returns, inflation benchmarks) may be fetched from our API. These requests contain no user-identifiable information.

• Session Cookies: Used for admin authentication only. Strictly necessary; expire when you close your browser.
• Analytics (Cookieless): Vercel Analytics tracks aggregate, anonymised page metrics without persistent tracking cookies or fingerprinting.
• No Third-Party Ad Cookies: We do not place or allow third-party advertising cookies on any FinThinkHub or GuideFin surface.

• Newsletter subscribers: Retained until you unsubscribe.
• Contact inquiries: Retained for up to 12 months, then permanently deleted.
• Crash/analytics logs: Retained for up to 90 days in Sentry, then automatically purged.
• GuideFin planning data: Stored locally on your device. We have no server-side copy. Clear it via your browser or app storage settings.

FinThinkHub and GuideFin may link to AMCs, financial data providers, or third-party tools. Once you navigate away from our platform, this Privacy Policy no longer applies. Review external sites' policies independently before sharing any information.

• HTTPS (TLS 1.2+) on all data in transit.
• Passwords hashed with bcrypt (timing-safe). Plain-text passwords are never stored.
• Rate limiting and hCaptcha on public forms to prevent abuse.
• Security headers: HSTS, per-request CSP nonce, X-Frame-Options: DENY, and X-Content-Type-Options: nosniff.
• Admin access restricted to JWT-validated sessions on every request.

Despite these measures, no internet transmission is 100% secure. Practice baseline digital hygiene when using any online financial tool.

FinThinkHub and GuideFin are not directed at children under 18. We do not knowingly collect personal information from minors. If you believe a child has submitted personal information, contact us immediately and we will delete it promptly.

• Access: Request a copy of the personal information we hold about you.
• Correction: Ask us to correct inaccurate data.
• Deletion: Request deletion of your newsletter subscription or contact inquiry records at any time.
• Unsubscribe: Opt out of newsletters at any time via the unsubscribe link or by emailing us.

To exercise any of these rights, email Contact@finthinkhub.com. We will respond within 30 days.

We may update this Privacy Policy to reflect changes in practices, technology, or legal requirements. The “Last Updated” date at the top of this page indicates the most recent revision. For material changes, we will make reasonable efforts to notify subscribers via email.

For questions, concerns, or requests relating to this Privacy Policy or your data, please reach out to our team at Contact@finthinkhub.com. We take privacy seriously and will respond promptly.