1) Controller identity and contact details
The data controller for personal data processed via this website is Finanzas Claro SpA (the “Company”, “we”, “us”). We are an educational publisher focused on financial literacy content, including budgeting and spending awareness. We do not sell financial products on this site.
- Registered address: Av. Providencia 1208, Providencia, Santiago, Región Metropolitana, Chile
- Phone: +56 2 2946 0000
- General email: [email protected]
- Privacy contact (DPO function): [email protected]
If you have any questions about this Privacy Policy or about how we handle your personal data, please contact our privacy email above. If you prefer postal mail, you may write to our registered address, marked to the attention of “Privacy”.
2) Personal data we collect
We aim to collect only the data needed to operate an educational website, measure performance, prevent abuse, and respond to messages. Depending on how you use the site, we may collect the following categories of personal data:
- Full name (if you enter it in a form)
- Email address
- Phone number (only if you choose to provide it)
- Message content and any details you include when contacting us
- IP address and approximate location derived from IP (city/region level)
- Browser type, device type, operating system, and language settings
- Pages visited, time spent, scroll/interaction signals, and referral source
- Cookie identifiers and similar technologies (subject to your cookie choices)
We do not intentionally collect sensitive categories of data (for example, health or political information). Please avoid sending sensitive information in free text fields. If you include sensitive information in a message, we will process it only to the extent needed to respond and handle the conversation, and we may ask you to remove or avoid such details for your safety.
3) How we collect personal data
We collect personal data through a limited set of methods, designed to keep the site usable and secure:
- Web forms: when you submit information to us (for example, a contact request on pages that include a form). The fields you fill out determine what we collect.
- Cookies and similar technologies: small files stored on your device. Some are necessary for site functionality, while others support analytics or marketing measurement where enabled.
- Server logs: our hosting infrastructure may record requests to the site for security, diagnostics, and performance.
- Analytics tools: we may use Google Analytics 4 to understand aggregated usage patterns. Analytics cookies are used only if you accept analytics via the cookie banner.
- Advertising measurement (optional): we may use the Meta Pixel to measure the performance of our educational content when promoted on Meta platforms. Marketing cookies are used only if you accept marketing via the cookie banner.
If a specific tool is active on the site, it is used for measurement and improvement of content, not for selling financial products. We do not use forms to request bank details, government identification numbers, or account credentials.
4) Legal bases for processing (GDPR Article 6)
When the GDPR applies (for example, if you access the site from the EEA/UK), we rely on the following legal bases. We apply the same principles of fairness, transparency, and data minimization to all visitors.
| Data / activity | Purpose | Legal basis |
|---|---|---|
| Contact form messages (name, email, phone, message) | Respond to your request and provide support | Consent (Art. 6(1)(a)) and Legitimate interests (Art. 6(1)(f)) |
| Basic operational cookies | Site functionality, security, and user preferences | Legitimate interests (Art. 6(1)(f)) |
| Analytics data (usage events, device info, cookie IDs) | Understand content performance and improve the site | Consent (Art. 6(1)(a)) |
| Marketing measurement pixels (if enabled) | Measure campaign performance and aggregated audiences | Consent (Art. 6(1)(a)) |
| Security logs (IP address, timestamps, request metadata) | Prevent fraud, abuse, and diagnose incidents | Legitimate interests (Art. 6(1)(f)) |
Where we rely on consent, you may withdraw it at any time. Withdrawing consent does not affect processing that occurred before you withdrew it. The easiest way to withdraw cookie consent is to change your preference in your browser settings and clear site storage, or by using the cookie banner controls when presented.
5) Purposes of processing
We process personal data for specific, limited purposes:
- Deliver and improve educational content: understand which articles are useful, how readers navigate, and what topics to expand.
- Customer support and communications: respond when you contact us and keep a record of conversations to maintain continuity.
- Security and fraud prevention: protect the website, investigate misuse, and enforce our Terms.
- Legal compliance: comply with applicable legal obligations, respond to lawful requests, and maintain records as required.
- Analytics and measurement (consent-based): measure aggregated site performance and understand which content is being discovered via search and social platforms.
We do not sell personal data. We do not use your data to make decisions that produce legal or similarly significant effects about you (no automated decision making in that sense).
6) Retention periods
We keep personal data only as long as needed for the purposes described above, unless we have a legal obligation to retain it longer. Our typical retention periods are:
Retained for up to 2 years from the last interaction, unless we need longer to handle a request, resolve a dispute, or comply with law.
Retained for up to 14 months (typical settings for aggregated analytics). Exact retention may depend on tool configuration.
Stored in your browser storage until you clear it, or until you change your choice. If you clear site data, you may see the cookie banner again.
Typically retained for 90 days, unless a longer period is needed to investigate abuse, incidents, or to comply with legal obligations.
When retention periods expire, we delete or anonymize the data. Anonymized data that cannot be linked to an identifiable person may be retained for analytics and reporting.
7) Sharing and processors
We share personal data only with service providers that help us operate the site (processors) and only to the extent necessary for the services they provide. We do not sell personal data, and we do not share it for third party advertising outside of consent-based measurement tools.
Categories of processors may include:
- Hosting and infrastructure providers: to deliver website content and store limited operational logs.
- Email service providers: to receive and respond to messages you send us.
- Analytics providers: such as Google Analytics 4, for aggregated measurement when you consent.
- Advertising measurement providers: such as Meta, when you consent to marketing cookies and we run educational campaigns.
We require processors to implement appropriate security measures and to process personal data only on our documented instructions. If you want details about the current processors we use, contact us at [email protected].
8) International transfers
Our company is based in Chile, but some of our service providers may process data in other countries, including the United States or other jurisdictions where their infrastructure operates. When personal data is transferred outside the European Economic Area (EEA) and the GDPR applies, we rely on appropriate safeguards such as:
- Standard Contractual Clauses (SCCs): contractual commitments approved by the European Commission.
- Supplementary measures: such as minimization, access controls, and encryption in transit where supported by the service.
- Adequacy decisions: where applicable, if a destination country is recognized as providing an adequate level of protection.
You can request more information about international transfers and safeguards by contacting us at [email protected].
9) Your rights (GDPR)
Where the GDPR applies, you have the following rights regarding your personal data. We also aim to honor these rights for all users to the extent feasible and consistent with applicable local law:
Request a copy of the personal data we hold about you, along with information about how it is processed.
Ask us to correct inaccurate personal data or complete incomplete data.
Ask us to delete personal data in certain circumstances, such as where data is no longer needed or you withdraw consent.
Ask us to restrict processing in specific cases, for example while a dispute about accuracy is being resolved.
Receive certain personal data you provided to us in a structured, commonly used, machine readable format.
Object to processing based on legitimate interests, including certain profiling, unless we have compelling grounds.
Withdraw consent: If we rely on consent (for example, for analytics or marketing cookies), you can withdraw consent at any time by adjusting your cookie settings, clearing site storage, or using the cookie banner controls if shown again. Withdrawal does not affect earlier processing.
How to exercise your rights: Email us at [email protected] with the subject line “Privacy request”. Please include enough detail for us to locate relevant data (for example, the email address you used to contact us). We may request reasonable verification to protect your data from unauthorized access.
Right to complain: If the GDPR applies and you believe our processing violates data protection law, you can lodge a complaint with a supervisory authority. For example, in Spain you may contact the Agencia Española de Protección de Datos (AEPD) (www.aepd.es). You may also complain to the authority where you live, work, or where the alleged infringement occurred.
10) Cookies and similar technologies
Cookies are small text files stored on your device. We also use similar technologies such as local storage to remember preferences. We categorize cookies as follows:
Required for basic operation and security. Examples include remembering cookie choices and preventing abuse. Duration can vary, typically session based or up to 12 months depending on configuration.
Helps us understand aggregated usage (for example, most read pages and navigation paths). Typical durations range from 1 day to 14 months, depending on the analytics tool and settings. Used only with consent.
Helps measure the effectiveness of educational campaigns and understand aggregated audiences. Marketing cookies may be set by third parties (for example, Meta) and durations vary. Used only with consent.
Managing cookies: You can control cookies through your browser settings. You can delete existing cookies and set your browser to block cookies or notify you before a cookie is stored. If you block strictly necessary cookies, parts of the site may not function as intended.
Cookie banner: When you first visit, we show a cookie banner that lets you accept or reject non essential cookies. Your choice is stored on your device. If you clear your browser storage, you may be asked again.
11) Children’s privacy
This website is not directed to children under 16. We do not knowingly collect personal data from children under 16. If you believe a child has provided personal data to us, please contact [email protected], and we will take reasonable steps to delete the information and prevent further collection.
12) Security
We implement appropriate technical and organizational measures to protect personal data against accidental or unlawful destruction, loss, alteration, unauthorized disclosure, or access. Measures may include access controls, least privilege practices, and secure communications. No website can be guaranteed 100% secure, so we encourage you to use unique passwords and avoid sending sensitive information through web forms.
13) Policy updates
We may update this Privacy Policy to reflect changes in our practices, technology, legal requirements, or for other operational reasons. If changes are significant, we will provide a notice on the website and, where appropriate, by email if we have your contact details and are permitted to do so.
Continued use of the site after an update becomes effective indicates that you have read the updated policy. The “Last Updated” date at the top of this page shows when the policy was most recently revised.
14) Contact for privacy requests
To ask questions, request access, deletion, or exercise other rights, contact:
Privacy email: [email protected]
Mailing address: Finanzas Claro SpA, Av. Providencia 1208, Providencia, Santiago, Región Metropolitana, Chile
If you contact us by email, we will use your information to respond and to maintain a record of the request. We do not use privacy requests as a reason to send marketing messages.