Privacy & Cookie Policy

Effective Date: 19 August 2025

1. Introduction

This combined Privacy & Cookie Policy explains how Finance with JC (“we,” “us,” “our”) collects, uses, discloses, and protects personal data when you:

  • Visit or interact with our website
  • Download Guides
  • Use our Calculators or Tools that require your details

This policy also describes the cookies we use and how they affect you.

2. Scope & Applicability

This policy applies to all visitors and users worldwide, including expatriates in the UAE. We process your personal data in accordance with:

  • UAE Personal Data Protection Law (Federal Decree-Law No. 45 of 2021 – PDPL)
  • UK & EU General Data Protection Regulation (GDPR)

By using our site, you consent to the collection, transfer, and processing of your data as described below.

3. Personal Data We Collect

When you download a Guide or use a Calculator/Tool, we collect:

  • First name
  • Last name
  • Email address
  • Telephone number
  • Country of residence

We do not collect any additional sensitive information unless you choose to provide it in other contexts.

4. How We Use Your Personal Data

We use your data to:

  • Deliver the requested Guide or Tool output
  • Pre-populate forms across our site for convenience
  • Follow up with you via email or telephone about Finance with JC services
  • Send marketing communications via Kit (only if you’ve opted in)
  • Analyze site usage and trends with Google Analytics

We do not sell or rent your personal data. We only share it with third parties when you provide explicit consent (e.g., to partner service providers).

5. Data Retention

We retain your personal data for 12 months from the date of collection. After this period, your data is automatically purged from our systems and HubSpot CRM.

6. Data Transfers & Storage

  • Your data is stored in HubSpot’s US-based servers.
  • By using our site, you consent to transfer your information to the United States.
  • HubSpot implements industry-standard safeguards (including Standard Contractual Clauses) to protect your data during transfer and storage.

7. Third-Party Services

We rely on the following service providers:

  • HubSpot CRM (data storage & form handling)
  • Kit (email marketing platform)
  • Google Analytics 4 (GA4) (site usage analytics)

We do not share your information with any other third parties unless you provide explicit consent.

8. Cookies & Tracking Technologies

8.1 What Are Cookies?

Cookies are small text files placed on your device when you visit a website. They help the site recognize your device and remember your preferences.

8.2 Cookies We Use

  • Necessary Cookies
    Mandatory cookies that enable core site functionality (form submission, encrypted pre-fill). You cannot disable these.
  • Analytics Cookies
    Google Analytics 4 collects usage data (page views, events). We do not anonymize IP addresses in GA4.
  • Encrypted Pre-fill Cookie
    Stores only the five form fields listed above (first name, last name, email, telephone, country) in encrypted form. Retention: 12 months.

8.3 Cookie Retention

All cookies expire after 12 months. Encrypted pre-fill cookies and GA4 identifiers are automatically deleted thereafter.

9. Your Rights

Under PDPL and GDPR, you have the right to:

  • Access your personal data
  • Correct inaccurate or incomplete data
  • Erase your data (“right to be forgotten”)
  • Restrict or object to our processing
  • Portability of your data in a structured format
  • Withdraw consent for processing or marketing communications

10. Exercising Your Rights

To exercise any rights, contact:

Josh
Email: josh.clancey@skyboundwealth.com

Please include “Data Subject Request” in your email subject. We will respond within one month of receipt.

11. Marketing Communications

We use Kit to send emails about Finance with JC updates, events, and offers. You will only receive marketing messages if you explicitly opt in. You can unsubscribe at any time by clicking the “Unsubscribe” link in any email.

12. Security Measures

We implement administrative, technical, and physical safeguards to protect your personal data, including:

  • Encryption of cookies and data in transit (TLS)
  • Access controls within HubSpot and our internal systems
  • Regular security reviews and vulnerability assessments

13. Governing Law

This policy is governed by:

  • UAE PDPL
  • UK & EU GDPR

Any disputes arising under this policy will be subject to the exclusive jurisdiction of courts in the UAE, with due consideration for GDPR provisions where applicable.

14. Changes to This Policy

We may update this policy to reflect changes in our practices or legal requirements. We will post the revised policy here with an updated “Effective Date.”

15. Contact Us

If you have any questions, concerns, or feedback about this policy, please contact:

Email: josh.clancey@skyboundwealth.com

16. Further Details

Josh Clancey is employed by Skybound Wealth - https://www.skyboundwealth.com/financial-advisers/josh-clancey

Thank you for trusting Finance with JC with your personal information. We are committed to protecting your privacy and ensuring a secure experience.

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