📋 Introduction
Welcome to Finance Solutions Pro ("we," "our," or "us"), operated by John Miller and accessible at finsolutionspro.com. We are committed to protecting your privacy and being fully transparent about how our website works.
This Privacy Policy explains what information we collect, why we collect it, how it is used, and what rights you have regarding your data. It also specifically addresses our use of Google AdSense advertising, as required by Google's publisher policies.
By using Finance Solutions Pro, you agree to the terms described in this Privacy Policy. If you do not agree, please do not use this website.
📊 Information We Collect
1. Calculator Inputs (Never Collected)
All financial data you enter into our calculators — including loan amounts, income figures, investment amounts, tax details, and any other personal financial information — is processed entirely within your browser using JavaScript. This data is never sent to our servers, never stored, and never accessible to us in any form.
2. Automatically Collected Technical Data
When you visit our website, standard web server logs and analytics tools may automatically collect non-personally-identifiable technical information, including:
- Browser type and version
- Operating system and device type
- IP address (anonymised where possible)
- Pages visited and time spent on each page
- The website that referred you to us
- Date and time of your visit
- General geographic location (country/city level only)
This data is used solely to understand how our site is used in aggregate and to improve our tools and content. It is not used to identify individual users.
3. Newsletter Email Address (If Provided)
If you voluntarily subscribe to our newsletter, we collect your email address for the sole purpose of sending you finance tips and updates. We do not share your email with third parties. You can unsubscribe at any time using the link in any email we send.
4. Contact Form Submissions
If you contact us via our contact form, we collect the information you provide (name, email, message) solely to respond to your enquiry. This information is not used for marketing without your explicit consent.
🍪 Cookies and Tracking Technologies
We use cookies and similar technologies on Finance Solutions Pro. Below is a complete breakdown of the cookies used on this site:
Essential Cookies — Required for core functionality:
- fcp_cookies — Stores your cookie consent preference so we do not show the banner on every visit. Expires after 365 days.
- fcp_currency — Stores your preferred display currency so it persists between visits. Expires after 30 days.
- sessionStorage (currency rates) — Live currency exchange rates are cached in your browser's sessionStorage for up to 6 hours to improve performance. This data never leaves your device.
Analytics Cookies — To understand how visitors use our site:
- Google Analytics (_ga, _gid, _gat) — Used to collect anonymised data about site traffic and user behaviour. IP addresses are anonymised. Data is aggregated and does not identify individual users. You can opt out via the Google Analytics Opt-out Browser Add-on.
Advertising Cookies — Used by Google AdSense to serve ads:
- Google AdSense cookies (IDE, DSID, FLC, AID, TAID, etc.) — These cookies are set by Google to serve you relevant advertisements based on your browsing history across websites. These are third-party cookies controlled entirely by Google, not by Finance Solutions Pro.
You can manage or disable cookies at any time through your browser settings. Note that disabling advertising cookies does not remove ads — it means the ads shown may be less relevant to you. Disabling essential cookies may affect site functionality.
📢 Google AdSense & Advertising
Finance Solutions Pro participates in the Google AdSense programme (Publisher ID: ca-pub-9053961006851507). This allows Google to display advertisements on our website. We are required by Google's publisher policies to disclose the following clearly:
How Google AdSense Works:
- Google uses cookies (listed above) to serve ads based on your prior visits to our website and other websites across the internet.
- Google may use your browsing data, device information, and inferred interests to show you personalised advertisements.
- Finance Solutions Pro does not have access to any user data collected by Google for advertising purposes.
- Finance Solutions Pro does not share any information about you directly with advertisers.
Our AdSense Compliance Commitments:
- We do not place ads on pages with no meaningful content
- We do not encourage, incentivise, or instruct users to click on ads
- We do not use deceptive placement or formatting to generate accidental ad clicks
- We do not generate artificial traffic or use bots
- We do not place ads in pop-ups or interstitials that violate Google policy
- We comply with all Google AdSense Programme Policies
Opting Out of Personalised Ads:
You have the right to opt out of personalised advertising from Google at any time. Visit Google Ads Settings to manage your preferences, or install the Digital Advertising Alliance opt-out tool.
🔗 Third-Party Services
Finance Solutions Pro uses the following third-party services. Each has its own Privacy Policy governing the use of your information:
- Google AdSense — Advertising. Google Privacy Policy
- Google Analytics — Website analytics. Google Privacy Policy
- Google Fonts — Web fonts (Playfair Display, DM Sans). Font files are loaded from Google's servers. Google Privacy Policy
- ExchangeRate-API — Live currency exchange rates. Your IP address may be sent to this service when rates are fetched. ExchangeRate-API Privacy Policy
- Firebase (Google) — Secure backend for blog content storage. No personal financial data is stored. Firebase Privacy Policy
We carefully select third-party services and only use those necessary for core functionality. We do not sell access to our users to any third party.
🛡️ Data Security
We take data security seriously and have implemented the following measures:
- HTTPS encryption — All data transmitted between your browser and our server is encrypted using SSL/TLS.
- Client-side calculations — All financial calculations are performed in your browser. No financial data is ever transmitted to or stored on our servers.
- No password storage — Finance Solutions Pro does not require user accounts, meaning we never store passwords or sensitive account credentials for general users.
- Minimal data collection — We follow a data minimisation principle, collecting only what is strictly necessary for site functionality.
No method of transmission over the internet or electronic storage is 100% secure. While we implement commercially reasonable security measures, we cannot guarantee absolute security of any information transmitted to our site.
⚖️ Your Rights
Depending on your location, you may have the following rights regarding your personal data:
For EU/EEA Users (GDPR):
- Right to access the personal data we hold about you
- Right to rectification of inaccurate personal data
- Right to erasure ("right to be forgotten")
- Right to restriction of processing
- Right to data portability
- Right to object to processing based on legitimate interests
- Right to withdraw consent at any time
For California Users (CCPA):
- Right to know what personal information is collected
- Right to know whether personal information is sold or disclosed
- Right to opt out of the sale of personal information
- Right to access your personal information
- Right to equal service and price
To exercise any of these rights, please contact us using the details below. We will respond within 30 days.
👶 Children's Privacy
Finance Solutions Pro is not directed at children under the age of 13 (or 16 in the EU/EEA). We do not knowingly collect personally identifiable information from children. Our financial tools are designed for adults making financial decisions.
If you are a parent or guardian and believe your child has provided personal information to us, please contact us immediately and we will take steps to delete that information.
🌍 International Users & Data Transfers
Finance Solutions Pro is accessible globally and serves users from all countries. Our website is hosted on servers that may be located outside your country of residence. By using our site, you consent to the transfer of data as described in this policy.
For users in the European Economic Area (EEA), data may be transferred to countries outside the EEA. Where this occurs, we rely on Google's standard contractual clauses and other appropriate safeguards to ensure your data is protected to EEA standards.
🔄 Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will update the "Last updated" date at the top of this page.
We encourage you to review this Privacy Policy periodically. Continued use of Finance Solutions Pro after changes are posted constitutes your acceptance of the updated policy.
Previous versions of this Privacy Policy are available upon request.
📧 Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
- 👤 Data Controller: John Miller, Founder — Finance Solutions Pro
- 🌐 Website: finsolutionspro.com
- 📬 Contact Form: finsolutionspro.com/contact