Privacy Policy

1. Introduction

Welcome to BankwaliJob.com ("we," "our," or "us"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our financial calculators and tools.

BankwaliJob is committed to protecting your privacy and ensuring transparency about our data practices. This policy applies to all users of our website and services, regardless of how you access or use them.

2. Information We Collect

2.1 Information You Provide Voluntarily

We collect information you provide directly to us, including:

• Contact Information: Name, email address when you contact us through our contact form
• Communication Data: Messages, feedback, and inquiries you send to us
• Calculator Inputs: Financial data you enter into our calculators (processed locally, not stored)

2.2 Information Collected Automatically

When you visit our website, we automatically collect certain information:

• Device Information: IP address, browser type, operating system, device type
• Usage Data: Pages visited, time spent, click patterns, referral sources
• Location Data: General geographic location based on IP address
• Technical Data: Screen resolution, browser settings, installed plugins

2.3 Calculator Data

Important: All calculations performed by our financial tools happen locally in your browser. We do not collect, store, or transmit the financial data you enter into our calculators. This includes loan amounts, income figures, investment values, and other sensitive financial information.

3. How We Use Your Information

We use the collected information for the following purposes:

3.1 Service Provision

• Provide and maintain our website and calculators
• Respond to your inquiries and support requests
• Improve user experience and website functionality

3.2 Analytics and Improvement

• Analyze website usage patterns and user behavior
• Identify popular tools and content
• Optimize website performance and loading speeds
• Develop new features and calculators

3.3 Legal and Security

• Comply with legal obligations and regulations
• Protect against fraud, abuse, and security threats
• Enforce our terms of service and policies

4. Cookies and Tracking Technologies

4.1 What Are Cookies

Cookies are small text files stored on your device when you visit our website. We use cookies and similar technologies to enhance your browsing experience and provide personalized content.

4.2 Types of Cookies We Use

4.3 Managing Cookies

You can control cookies through your browser settings. However, disabling certain cookies may affect website functionality. Most browsers allow you to:

• View and delete existing cookies
• Block cookies from specific websites
• Block third-party cookies
• Clear all cookies when closing the browser

5. Third-Party Services

We integrate with several third-party services to provide and improve our services:

5.1 Google Analytics

We use Google Analytics to understand website usage and improve user experience. Google Analytics collects information such as:

• Pages visited and time spent
• Geographic location (country/city level)
• Device and browser information
• Traffic sources and referrals

You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

5.2 Content Delivery Networks (CDN)

We use CDNs to deliver website content faster and more reliably. These services may collect basic technical information about your device and connection.

6. Google AdSense and Advertising

6.1 How AdSense Works

We use Google AdSense to display advertisements on our website. AdSense uses cookies and other technologies to:

• Show relevant ads based on your interests
• Measure ad performance and effectiveness
• Prevent the same ad from being shown repeatedly
• Detect and prevent invalid ad clicks

6.2 Personalized vs Non-Personalized Ads

Personalized Ads: Based on your previous visits to our site and other websites. Google uses cookies to build an advertising profile.

Non-Personalized Ads: Based only on the current page content and general location (country level).

6.3 Your Ad Choices

You can control your advertising experience through:

• Google Ad Settings - Manage personalized ads
• Digital Advertising Alliance - Opt out of interest-based ads
• Your Online Choices - European users
• Browser settings to block third-party cookies

6.4 Third-Party Advertisers

Our advertising partners may also use cookies and similar technologies. We do not control these third-party technologies or their privacy practices. Please review their privacy policies for more information.

7. Data Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share information in the following limited circumstances:

7.1 Service Providers

We may share information with trusted service providers who assist us in:

• Website hosting and maintenance
• Analytics and performance monitoring
• Email communication services
• Security and fraud prevention

7.2 Legal Requirements

We may disclose information when required by law or to:

• Comply with legal processes or government requests
• Protect our rights, property, or safety
• Protect the rights, property, or safety of our users
• Investigate potential violations of our terms

7.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, user information may be transferred as part of the transaction. We will notify users of any such change in ownership.

8. Data Security

We implement appropriate technical and organizational measures to protect your information:

8.1 Technical Safeguards

• SSL/TLS encryption for data transmission
• Secure server infrastructure
• Regular security updates and patches
• Access controls and authentication

8.2 Organizational Measures

• Limited access to personal information
• Employee training on data protection
• Regular security assessments
• Incident response procedures

8.3 Data Breach Notification

In the unlikely event of a data breach that poses a risk to your rights and freedoms, we will notify affected users and relevant authorities within 72 hours, as required by applicable law.

9. Your Rights and Choices

Depending on your location, you may have the following rights regarding your personal information:

9.1 Access and Portability

• Right to Access: Request a copy of the personal information we hold about you
• Right to Portability: Receive your data in a structured, machine-readable format

9.2 Correction and Deletion

• Right to Rectification: Correct inaccurate or incomplete information
• Right to Erasure: Request deletion of your personal information
• Right to Restriction: Limit how we process your information

9.3 Objection and Withdrawal

• Right to Object: Object to processing based on legitimate interests
• Right to Withdraw Consent: Withdraw consent for processing where applicable
• Right to Opt-out: Unsubscribe from marketing communications

9.4 Exercising Your Rights

To exercise any of these rights, please contact us using the information provided in the "Contact Us" section. We will respond to your request within 30 days.

10. International Data Transfers

Our website is hosted and operated from servers that may be located in different countries. By using our services, you consent to the transfer of your information to countries that may have different data protection laws than your country of residence.

When we transfer personal information internationally, we ensure appropriate safeguards are in place, such as:

• Standard contractual clauses approved by the European Commission
• Adequacy decisions by relevant authorities
• Certification schemes and codes of conduct

11. Children's Privacy

Our website is not intended for children under the age of 13 (or 16 in the European Union). We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child without parental consent, we will take steps to delete such information.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

12. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will:

• Update the "Last Updated" date at the top of this policy
• Notify users of significant changes through our website
• Provide additional notice for material changes that affect your rights

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

13. Contact Us