Privacy Policy

Introduction

We at Fundmerivo take your privacy seriously. This document sets out, in plain English, what information we collect from you when you visit the site, why we collect it, who we share it with, and how to exercise the privacy rights granted to you under applicable law. Reading this policy in full is a good idea — privacy obligations vary by jurisdiction and a few of the choices below are yours to make.

Information We Collect

When you visit any page of Fundmerivo our servers and our hosting providers automatically log standard request data — your IP address, the user-agent string sent by your browser, the page or article you requested, the referring URL, and a timestamp. This information is used to operate the site, troubleshoot problems, measure aggregate traffic, and detect abusive behavior such as scraping or brute-force attacks.

Some features of Fundmerivo are designed for you to provide information voluntarily. If you subscribe to our newsletter you give us your email address (and, optionally, your name); if you use the Contact form you give us the details of your message; if you send us a press release or tip, we receive whatever you choose to put in the body of that email. We collect only what you submit, and we use it only for the purpose for which you submitted it.

How We Use Your Information

Information collected through Fundmerivo is used to provide and improve the editorial product. Concretely, that means rendering pages to you, sending you newsletters you've explicitly opted in to, replying to messages you send via the Contact form, producing aggregated readership reports for our editorial team and advertisers, securing the site against abuse, and complying with applicable law. Your personal information is never sold to third parties.

Our lawful bases for processing personal data, where the GDPR applies, are consent (newsletter signups, optional analytics), legitimate interests (operating and securing the site, producing aggregated readership data), contractual performance (delivering the newsletter you signed up for), and legal obligation (record-keeping required by law). Where we rely on consent you may revoke it at any time and where we rely on legitimate interests you may object at any time.

Cookies and Tracking Technologies

Cookies are small text files that your browser stores when you visit a website. Fundmerivo uses both essential cookies (which the site needs to function) and, with your consent in jurisdictions where consent is required, optional cookies for analytics and advertising. You may decline or delete cookies at any time, although doing so may disable some features. We honor browser-level signals such as Global Privacy Control.

Third-Party Service Providers

Fundmerivo integrates a handful of third-party services so that we can run the site without operating every piece of infrastructure ourselves. These typically include a hosting provider, a content delivery network, an email-delivery service for newsletter distribution, and a privacy-respecting web-analytics provider. We choose vendors with strong data-protection track records and we maintain data-processing agreements with them.

Advertising

Where Fundmerivo displays advertising — typically through Google AdSense or a similar reputable network — those advertising partners may use cookies and similar technologies to deliver ads based on previous visits to our site or other sites. You can opt out of personalized advertising at https://www.google.com/settings/ads and via the industry portals at https://optout.aboutads.info (United States) and https://www.youronlinechoices.com (European Union).

Data Retention

We retain personal data only for the period necessary for the purpose for which it was collected, plus any retention period required by applicable law. As a rule of thumb: newsletter records remain active until you unsubscribe; contact-form records are retained for up to 24 months; raw server logs are retained for no more than 90 days; aggregated analytics are retained indefinitely in non-identifying form.

Your Privacy Rights

Under privacy laws including the GDPR (Europe) and the CCPA / CPRA (California), you may have the right to access the personal information we hold about you, to correct it if it is inaccurate, to ask us to delete it, to opt out of any sale or sharing of it (we do not sell or share personal information for cross-context behavioral advertising), to restrict its use, and to bring a complaint to a regulator. To exercise any of these rights, contact us through the Contact form below.

Children's Privacy

Fundmerivo is intended for a general audience and is not directed to children under 16. We do not knowingly collect personal information from children. If you are a parent or guardian and you believe that a child has provided us with personal information, please contact us and we will delete the information.

International Data Transfers

Some of the third-party processors we rely on are headquartered or operate servers in jurisdictions other than yours, including the United States and the European Union. Where such international transfers occur from jurisdictions that restrict them, we put in place appropriate safeguards — typically Standard Contractual Clauses or equivalent legal mechanisms — before any transfer takes place.

Security

We protect your personal information using a combination of administrative, technical, and physical safeguards proportionate to the sensitivity of the data, including encryption in transit (HTTPS/TLS), restricted internal access on a need-to-know basis, regular review of vendor access controls, and prompt investigation of any incident that may impact your data. No system is perfectly secure, so we cannot guarantee absolute security — but we work hard to minimize risk.

Changes to This Policy and How to Reach Us

This Privacy Policy may be updated periodically. The "Last updated" date at the top of the page reflects the most recent revision. For significant changes we will provide additional notice (such as a banner on the site or a note in the newsletter). Privacy-related questions or requests should be sent through the Contact form linked in the footer.