FinWiz24 ("we," "us," or "our") operates the website finwiz24.com. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website.
1. Information We Collect
We collect the following categories of information:
- Personal Data: Name, email address, and other information you voluntarily provide when contacting us, creating an account, or leaving a review.
- Usage Data: Pages visited, time spent on site, referral source, device type, and browser type collected via cookies and analytics.
- Affiliate Data: Click identifiers and conversion data related to credit card applications made through our referral links.
2. How We Use Your Information
We use the information we collect to:
- Operate and maintain our website
- Improve user experience and content relevance
- Send transactional emails (account-related, inquiry responses)
- Track affiliate conversions and commission payments
- Respond to your inquiries and support requests
- Comply with legal obligations
3. Advertising & Google AdSense
FinWiz24 uses Google AdSense, a third-party advertising service provided by Google LLC, to display ads on certain pages of our website. AdSense uses cookies to serve ads based on a user's prior visits to our site or other sites on the Internet.
Google's use of advertising cookies enables it and its partners to serve ads based on your visit to our site and/or other sites on the Internet. The following cookies may be set by Google AdSense on your browser when an ad is served:
- IDE — used to show Google Ads on sites that partner with Google.
- NID — used to remember your preferences and other information such as your preferred language.
- _gcl_au — used by Google AdSense to experiment with ad efficiency across web pages.
- DSID — used to identify a signed-in user on a non-Google site and to remember whether the user has agreed to ad personalization.
- FLC — used to show ads that match the user's recent search queries.
- RUL — used to determine whether the user has closed the AdSense cookie banner.
- TAID — used to identify your device for ad delivery and measurement.
Google may also use the data it collects through AdSense to personalize the ads it shows you on partner websites. You can opt out of personalized advertising by visiting Google's Ads Settings (https://adsettings.google.com). For more details on how Google uses data from partner sites, see Google's How Google uses information from sites or apps that use our services page (https://policies.google.com/technologies/partner-sites).
You may also opt out of third-party vendor use of cookies for personalized advertising by visiting www.aboutads.info. To learn more about how Google manages data in its advertising products, see Google's Privacy Policy (https://policies.google.com/privacy).
FinWiz24 runs Google AdSense in non-personalised mode by default. The NPA (non-personalised ads) tag is used, so ad selection is contextual (page content, general geography) rather than based on your prior browsing history or profile. You can switch to personalised ads at any time via Google's Ads Settings (https://adsettings.google.com). To opt out of personalised advertising from any Google partner, visit www.aboutads.info.
4. Cookies and Tracking
FinWiz24 uses cookies and similar storage technologies on every page-load. Tracking is unconditional — there is no consent banner. The lawful basis for analytics and contextual advertising is legitimate interest under DPDP Act 2023 § 7(i); for everything else (account features, contact forms, transactional emails) the basis is consent given by you when you submit the relevant form.
Google Analytics 4 (GA4) is our sole analytics platform. The standard GA4 <script> loads on every page; the dataLayer push on mount, gtag('js', new Date()), and gtag('config', 'G-XXXX') config call happen automatically before your first interaction. GA4 sets the following cookies on your device:
- _ga — a persistent identifier (2 years by default) used to distinguish unique visitors.
- _ga_<MEASUREMENT_ID> — a session identifier (24 hours) used to maintain session state across requests.
- _gid — a 24-hour visitor identifier (set by older gtag.js code paths; not always present).
You can opt out of GA4 tracking without affecting your ability to use FinWiz24: install the Google Analytics Opt-out Browser Add-on (https://tools.google.com/dlpage/gaoptout), enable your browser's Do-Not-Track signal (we honour it), or block third-party cookies in your browser settings. Note that opting out via your browser only affects that browser on that device.
5. Third-Party Services
We use the following third-party services:
- 24Mail.in: For sending transactional emails (SMTP). Their privacy policy applies to email processing.
- WebGrow24.in: Our hosting provider (an Indian Vercel alternative by WebGrow24). Their privacy policy governs infrastructure data.
- Card Issuers: When you apply for a card through our site, you interact directly with the issuer whose privacy policy will govern that relationship.
6. Affiliate Disclosure
FinWiz24 earns affiliate commissions from some credit card issuers when users apply through our links. This does not affect our rankings or increase your cost. See our Affiliate Disclosure for full details.
7. Data Retention
We retain personal data only as long as necessary to fulfill the purposes outlined in this policy. Account data is deleted within 30 days of account closure request. Analytics data is retained in aggregated, anonymized form for up to 26 months.
8. Data Security
We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. However, no internet transmission is completely secure and we cannot guarantee absolute security.
9. Your Rights
Under applicable data protection laws, you have the right to:
- Access the personal data we hold about you
- Request correction of inaccurate data
- Request deletion of your personal data
- Object to or restrict processing
- Data portability (where applicable)
- Opt out of analytics or personalised advertising at any time — see section 4 for the available controls
To exercise any of these rights, email us at privacy@finwiz24.com.
10. Digital Personal Data Protection Act (DPDP)
FinWiz24 complies with the Digital Personal Data Protection Act, 2023 (DPDP Act) and the Information Technology Act, 2000. Key rights under the DPDP Act include:
- Right to know — what personal data we collect and how we use it
- Right to correct — update or correct inaccurate personal data
- Right to erase — request deletion of your personal data (right to be forgotten)
- Right to grievance redressal — our Grievance Officer can be reached at support@finwiz24.com
- Right to nominate — designate someone to manage your data on your behalf
Data fiduciary obligations: We process personal data only for stated purposes, with consent where required, and with reasonable security safeguards. Our Data Protection Officer can be reached at privacy@finwiz24.com.
Cross-border data transfer: Personal data may be transferred outside India only in accordance with DPDP Act provisions. Our email provider 24Mail.in is an Indian SMTP service operated by WebGrow24; data is processed primarily in India — see section 5 above.
11. Children's Privacy
Our website is not directed to individuals under 18. We do not knowingly collect personal data from children. If you believe a child has provided us with personal data, please contact us immediately.
12. International Users
FinWiz24 is operated from India. If you are accessing our website from outside India, please note that your information may be transferred to and processed in India, which may have different data protection laws.
13. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on this page and updating the "Last updated" date. Your continued use of our services after any modification constitutes your agreement to the revised policy.
14. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy, please contact us:
- Email: privacy@finwiz24.com
- WhatsApp:
- Address: FinWiz24, Bengaluru, Karnataka, India