Last Updated: August 2025
At Skarfinans.com (“we,” “our,” “us”), your privacy is extremely important to us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website https://skarfinans.com.
Please read this Privacy Policy carefully. By accessing or using our website, you agree to the terms described below. If you do not agree, please discontinue use of our services.
1. Information We Collect
We collect both personal and non-personal information to provide you with the best possible experience.
Personal Information
You may provide us with:
- Name and email address (when subscribing to newsletters, filling out forms, or contacting us)
- Phone number (optional, if provided through contact forms)
- Billing and financial information (only when explicitly required for transactions through trusted third parties)
Non-Personal Information
Automatically collected information includes:
- IP address and device details
- Browser type and version
- Pages you visit and time spent on our site
- Referral sources (where you came from before visiting us)
2. How We Use Your Information
We use the collected information to:
- Provide and improve our services, content, and website functionality
- Send newsletters, marketing communications, and promotional offers (if you opt-in)
- Personalize your browsing experience
- Analyze website traffic and user behavior
- Ensure compliance with legal and regulatory requirements
- Detect, prevent, and address fraudulent activities
3. Cookies and Tracking Technologies
Skarfinans.com uses cookies, web beacons, and similar technologies to:
- Remember your preferences
- Analyze traffic and user interactions
- Deliver relevant advertisements and affiliate offers
- Improve website speed and usability
You can choose to disable cookies in your browser settings, but please note that some features of our website may not function properly.
4. Affiliate Disclosure
Skarfinans.com participates in affiliate marketing programs. This means we may earn commissions when you click on links or sign up for products and services through our website.
These partnerships do not affect the price you pay and never influence our editorial content. We only recommend products or services that we believe provide value to our users.
5. Sharing and Disclosure of Information
We do not sell, trade, or rent your personal information. However, we may share your data with:
- Trusted partners and affiliates (for marketing, analytics, or service delivery)
- Service providers (e.g., hosting, email newsletter providers, analytics tools)
- Legal authorities if required by law, court order, or to protect our rights and safety
6. Data Retention
We retain your personal data only as long as necessary to:
- Fulfill the purposes outlined in this Privacy Policy
- Comply with legal and tax obligations
- Resolve disputes and enforce agreements
You may request deletion of your personal data at any time (see Your Rights below).
7. Data Security
We take reasonable and industry-standard measures to protect your data, including:
- SSL encryption on our website
- Restricted access to personal data
- Secure data storage through reputable providers
However, no method of transmission or storage is 100% secure. By using our website, you acknowledge this risk.
8. Your Rights
Depending on your location (e.g., EU/EEA under GDPR or California under CCPA), you may have the following rights:
- Right to access the personal data we hold about you
- Right to correct inaccurate information
- Right to request deletion of your data (“Right to be Forgotten”)
- Right to restrict or object to processing
- Right to data portability
- Right to opt out of marketing communications
- Right to opt out of “sale” of personal data (CCPA)
To exercise your rights, please contact us at contact@skarfinans.com.
9. Third-Party Services
We may use third-party tools and services, including but not limited to:
- Google Analytics (website traffic analysis)
- Email marketing providers (for newsletters and campaigns)
- Affiliate networks (to deliver offers and promotions)
These third parties may collect information in accordance with their own privacy policies. We encourage you to review them.
10. International Data Transfers
Since Skarfinans.com may have users worldwide, your information may be transferred and stored outside your country of residence. We ensure appropriate safeguards are in place to protect your data.
11. Children’s Privacy
Skarfinans.com is not directed toward children under the age of 13 (or under 16 in the EU). We do not knowingly collect information from children. If you believe we have collected such information, please contact us, and we will promptly delete it.
12. Updates to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or technology. The updated version will always be posted on this page with a revised “Last Updated” date.
13. Contact Us
If you have any questions or concerns about this Privacy Policy or how your data is handled, please contact us:
📧 Email: contact@skarfinans.com
🌐 Website: https://skarfinans.com
