Privacy Policy

Last Updated: October 7, 2025

DCI Microfinance ("we," "us," or "our") respects your privacy and is committed to protecting your personal information in compliance with applicable laws, including GDPR and CCPA. This policy explains how we handle data on our website (dcimicrofinance.github.io) and future apps providing financial advice to students and young entrepreneurs. As a coming-soon educational platform, we currently collect minimal data.

1. Information We Collect

We collect limited personal information to improve your experience and provide services. Currently:

Personal Data: If you contact us via email or forms (e.g., inquiries), we may receive your name, email address, and message details. No financial or sensitive data is collected on our site.
Usage Data: Automatically via Google Analytics (if enabled): IP address (anonymized), browser type, pages visited, and time spent. No precise location or device identifiers are tracked.
Cookies: Essential cookies for site functionality; analytics cookies for performance (you can opt out via browser settings).

We do not collect payment, health, or children's data. For future apps, we may add user accounts with email verification, but only with explicit consent.[web:130][web:128]

2. How We Use Your Information

Your data is used solely for legitimate purposes:

To respond to inquiries and provide financial advice resources.
To analyze site usage for improvements (e.g., via aggregated Analytics data).
To comply with legal obligations, like fraud prevention in financial services.
No data for marketing without consent; future apps may send educational newsletters if subscribed.

We process data based on your consent, contract necessity, or legal requirements. No automated decisions affecting you are made.[web:130][web:128]

3. How We Share Your Information

We do not sell or rent data. Sharing is limited:

With service providers (e.g., Google for hosting/Analytics) under strict agreements; they act as processors and do not use data for their purposes.
If required by law (e.g., court orders) or to protect rights/safety.
No third-party sharing for ads or profiling. International transfers (e.g., to U.S. servers) use Standard Contractual Clauses for GDPR compliance.[web:130][web:128]

4. Data Security and Retention

We implement reasonable security measures (e.g., encryption, access controls) to protect data from unauthorized access, loss, or breach. However, no system is fully secure, and we cannot guarantee absolute protection.

Data is retained only as long as needed: Inquiries for 2 years; analytics for 26 months (Google default). You can request deletion at any time; we delete within 30 days unless legally required to retain. For apps, account data is deleted on request or inactivity after 1 year.[web:130][web:128]

5. Your Rights and Choices

Under GDPR/CCPA, you have rights to access, correct, delete, or object to processing your data. Contact us to exercise these; we respond within 30 days. Opt out of cookies via browser or Analytics settings. California residents: No "sale" of data occurs; rights include opt-out of sharing.[web:130][web:136]

Do Not Track signals are honored where possible.

6. Children's Privacy

Our site and services are for users 18+ (students/entrepreneurs). We do not knowingly collect data from children under 13 (or 16 in some regions). If we discover such data, it is deleted immediately. Parents can contact us for access/deletion.[web:130][web:128]

7. Changes to This Policy

We may update this policy to reflect changes in practices or laws. Significant updates will be notified via site notice or email (if provided). Continued use after changes implies acceptance; check periodically.[web:130][web:128]

8. Contact Us

For privacy questions, data requests, or complaints: Email privacy@dcimicrofinance.com or write to DCI Microfinance, [Your Address, e.g., 123 Example St, City, Country]. We are the data controller. For EU users, contact your local data authority if unresolved.[web:130][web:128]