Privacy

Privacy Policy

Last updated: 24 May 2026

This Privacy Policy explains what information FinEstate collects from visitors, how it is used, and what rights you have. By using this site you agree to the practices described below.

Who Runs This Site

FinEstate is an independent personal finance and macroeconomics blog operated by Utkarsh Garg, based in Mumbai, India. The site is hosted on Blogger (a Google service) and is available at www.thefinestate.com.

Information Collected Automatically

When you visit FinEstate, the following information is collected automatically through Google Analytics 4 (GA4) and Google Search Console:

  • Browser type and version
  • Operating system
  • IP address (anonymised by GA4 before storage)
  • Pages visited, time spent, and navigation path
  • Referral source (how you arrived at the site)
  • Search queries used to find the site (via Search Console)

This data is collected in aggregate and is not linked to your name or identity. It is used solely to understand which content is most useful to readers and to guide editorial decisions.

Advertising and the Google AdSense DART Cookie

FinEstate uses Google AdSense to display advertisements. Google may use the DART cookie to serve ads based on your prior visits to this and other websites. The DART cookie does not collect personally identifiable information.

You can opt out of personalised advertising by visiting google.com/settings/ads or aboutads.info/choices. For more on how Google uses data, see Google's Partner Sites policy.

Information You Provide Voluntarily

  • Email: Your name, email address, and message when you write to editor@thefinestate.com. Used solely to respond to your query.
  • Newsletter : Your email address if you subscribe. Used only to send FinEstate articles and updates. You can unsubscribe at any time via the link in any newsletter email.
  • Comments: Comments are disabled at present. If enabled in future, your name and comment text would become publicly visible.

How Information Is Used

Information collected through FinEstate is used to: understand readership and improve editorial content (analytics); fund the site through relevant advertising (AdSense); respond to email messages; and send newsletters to subscribers who have opted in. FinEstate does not sell, rent, or share your personal information with third parties for their marketing purposes.

Third-Party Services

FinEstate uses the following third-party services, each of which has its own privacy policy:

  • Google Analytics 4 — website analytics
  • Google Search Console — search performance data
  • Google AdSense — advertising
  • Blogger (Google) — site hosting
  • GoDaddy — domain registrar and Pro Email hosting for editor@thefinestate.com
  • Telegram — FinEstate Alerts channel at t.me/FinEstates
  • LinkedIn — FinEstate Company Page

Data Retention

  • GA4 analytics data: retained for 14 months, as configured in the GA4 property settings
  • Email correspondence: retained for 3 years from last reply, then deleted
  • Newsletter subscriptions: retained until you unsubscribe

Your Rights Under DPDP Act 2023

Under the Digital Personal Data Protection Act 2023 (India) and, where applicable, the General Data Protection Regulation (GDPR), you have the right to:

  • Access the personal data FinEstate holds about you
  • Request correction of inaccurate data
  • Request deletion of your data
  • Withdraw consent for data processing at any time
  • Nominate another person to exercise these rights on your behalf

To exercise any of these rights, write to editor@thefinestate.com with subject line "DPDP Rights Request". Acknowledgement within 7 days; substantive response within 30 days as required by law.

Cookie Policy

FinEstate uses the following cookies:

  • Google Analytics cookies (_ga, _gid, _gat): used to distinguish users and throttle request rates. First-party analytics cookies set by GA4.
  • Google AdSense / DART cookie : set by Google to serve personalised ads based on your browsing history. Third-party cookie.
  • Blogger session cookies: set by the Blogger platform.

You can disable cookies in your browser settings. Note that disabling cookies may affect site functionality. To opt out of Google advertising cookies specifically, use the opt-out links provided in the Advertising section above.

Children's Privacy

FinEstate is not directed at users under the age of 18. The site does not knowingly collect personal data from minors. If you believe a minor has submitted personal information, please contact editor@thefinestate.com and it will be deleted promptly.

Changes to This Policy

This Privacy Policy may be updated periodically. The "Last updated" date at the top of this page will reflect the most recent revision. For material changes, a notice will be placed on the FinEstate homepage for at least 30 days before the change takes effect.

Grievance Officer + Contact

Grievance Officer (DPDP Act 2023): Utkarsh Garg, Founder and Editor, FinEstate

Email: editor@thefinestate.com (subject: "DPDP Grievance" or "DPDP Rights Request")

Jurisdiction: Mumbai, Maharashtra, India

If you are unsatisfied with our response, you may escalate to the Data Protection Board of India when operational.

Last updated: 24 May 2026.

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