Privacy Policy

Short version: this site sets no tracking cookies, shows no advertising, and does not profile or sell anything about its readers. The only personal information it holds is an email address, and only if you sign up for new-article emails and confirm. That is why you have never been asked to accept a cookie banner here.

What is measured

Two analytics tools run on this site. Both are cookieless by design.

• Cloudflare Web Analytics records page views, referring sites, country, browser and operating system, and Core Web Vitals performance data.
• Umami (EU region) records the same broad page-view data, and is used to count events such as which pages are read to the end.

Neither tool sets a cookie, writes to local storage for tracking, or assigns you a persistent identifier. Neither can follow you across other websites. Visitor counts are worked out from a salted hash that is rotated and discarded, so there is no way for me, or for them, to reconstruct an individual reader's history.

The practical consequence is that my analytics are deliberately blunt. I can see that a page was read two hundred times. I cannot see who read it, and I would rather keep it that way.

What is stored on your device

One thing, and it is not tracking. If you switch between the light and dark theme, that choice is saved in your browser's local storage under the key theme, so the site remembers it next time. It never leaves your device and is not sent anywhere. Clearing your browser storage removes it.

The email list

The list is run by this site itself, not by a newsletter service. If you sign up for new-article emails, the site sends you a confirmation email first. Your address is not stored at all until you follow the link in it, so nobody can put you on the list with an address you do not control, and an address someone else typed in is never kept.

Once you confirm, the list holds your address, the date you confirmed, the page you signed up from, and a record of which articles have been emailed to you, so nobody gets the same one twice. Nothing else is asked for. It sits in a database in the same Railway project that hosts the site. The emails are delivered by Resend, which handles each message to deliver it and keeps a short delivery log, as mail services do.

The address is used for one thing: telling you a new article is up. It is never sold, shared or used for advertising. The emails carry no tracking pixel and no rewritten links, so I cannot see whether you opened one or what you clicked. Every email has a one-click unsubscribe link, and unsubscribing deletes your address and its delivery record rather than marking it as unsubscribed.

Who else is involved

• Railway hosts the site and the email list's database, and processes server logs, including IP addresses, as part of delivering pages to you.
• Cloudflare runs the site's DNS, the lookup that tells your browser where the site lives, and with Umami processes the analytics described above.
• Resend delivers the confirmation and new-article emails.

If you email me, I hold that email in order to reply to you. Nothing more is done with it, and it is not added to any list.

Your rights

Under India's Digital Personal Data Protection Act, and under the GDPR if you are in the European Economic Area, you may ask what personal data is held about you, ask for it to be corrected, or ask for it to be deleted. Given that this site collects no personal data through analytics, in practice such a request will concern your address on the email list or any email correspondence between us.

Send any request to jeevan@financefluentblog.com. This site is operated by an individual, not a company, and that address reaches me directly.

Changes

If this policy changes materially, the date at the top of this page changes with it. If a tracking tool were ever added that required your consent, it would not be added silently.