Privacy Policy

Effective Date: [08/12/2025]

This Privacy Policy governs the manner in which [Cravanocentaioli – Insurance, Legal Advice - Financial Insights] ([https://muntajat-bils.blogspot.com]) collects, uses, maintains, and discloses information collected from users (each, a "User") of the website.

1. Personal Identification Information

We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, subscribe to the newsletter, fill out a form, and in connection with other activities, services, features, or resources we make available on our Site. Users may be asked for, as appropriate, name and email address. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us.

2. Non-Personal Identification Information

We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users' means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.

3. Web Browser Cookies

Our Site may use "cookies" to enhance User experience. User's web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. Users may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.

4. Google AdSense and Third-Party Advertising

•Google AdSense: This Site uses Google AdSense, a service for the inclusion of advertisements from Google Inc. ("Google"). Google AdSense uses "cookies," which are text files placed on your computer, to help the website analyze how users use the site. Google uses the DART cookie to serve ads to our Users based on their visit to our Site and other sites on the Internet. DART uses "non-personally identifiable information" and does NOT track personal information about you, such as your name, email address, physical address, etc.

•Opt-Out: Users may opt out of the use of the DART cookie by visiting the Google ad and content network Privacy Policy at the following URL: http://www.google.com/privacy_ads.html.

•Third-Party Vendors: Other third-party vendors or ad networks may also use cookies to serve ads on our Site. We do not have access to or control over these cookies.

5. Compliance with GDPR and CCPA (For US, Canada, and EU Visitors)

Given our target audience, we are committed to compliance with major data protection regulations:

•GDPR (General Data Protection Regulation): For our European visitors, we ensure that personal data is processed lawfully, fairly, and transparently. We rely on your consent for processing data for advertising purposes (via a cookie consent banner). You have the right to access, rectify, erase, restrict processing, and object to processing of your personal data.

•CCPA (California Consumer Privacy Act): For our California visitors, you have the right to know what personal information is collected, the right to delete personal information, and the right to opt-out of the sale of personal information. We do not sell personal information.

6. Changes to this Privacy Policy

[Cravanocentaioli – Insurance, Legal Advice - Financial Insights] has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the top of this page. We encourage Users to frequently check this page for any changes. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.