Privacy Policy

F-Off-Fund.com

Effective Date: September 13, 2025
Last Updated: September 13, 2025

1. Introduction

F-Off-Fund.com ("we," "our," or "us") is committed to protecting your privacy and being transparent about our data practices. This Privacy Policy explains how we collect, use, protect, and handle information when you visit our website at www.foff-fund.com (the "Website").

Our Privacy Commitment: We believe in minimal data collection and maximum transparency. We only collect information necessary to provide and improve our services.

2. Information We Collect

2.1 Information We Do NOT Collect or Store Permanently

Personal identifying information (names, addresses, phone numbers)
Email addresses (unless you contact us directly)
Financial account information or sensitive financial data
Quiz or calculator results (processed in your browser only)
User profiles or accounts
Payment information (we don't sell products or services)

2.2 Information We May Collect Automatically

Technical Information:

IP addresses (for security and server logs only)
Browser type and version
Device type and operating system
Pages visited and time spent on Website
Referring website or source
General geographic location (country/region level only)

How We Use This Information:

Website maintenance and security
Understanding general traffic patterns
Improving Website performance and user experience
Detecting and preventing abuse

2.3 Calculator and Assessment Tool Data

Important: When you use our calculators or assessment tools:

Calculations happen in your browser - we don't see or store your inputs
Results are generated locally on your device
No quiz answers are transmitted to our servers
You maintain complete privacy of your responses and results

3. How We Use Information

We use collected information solely for:

Website Operation: Ensuring the Website functions properly and securely
Analytics: Understanding general usage patterns to improve our content
Security: Protecting against spam, abuse, and security threats
Legal Compliance: Meeting legal obligations for website operation

We Do NOT:

Sell, rent, or trade any information
Use information for marketing or advertising
Share information with third parties (except as described below)
Track individual user behavior across sessions

4. Third-Party Services

4.1 Services We May Use

Web Hosting:

Our hosting provider (Wix) may collect standard server logs
Data is used for technical operation and security only

Analytics Services:

We may use Google Analytics or similar services
Configured to collect minimal, anonymized data only
Used to understand general Website traffic patterns
You can opt-out using browser settings or extensions

Content Delivery Networks (CDNs):

May be used to improve Website loading speed
Only collect technical information necessary for performance

4.2 Third-Party Privacy Policies

Each third-party service operates under its own privacy policy:

Wix Privacy Policy: https://www.wix.com/about/privacy
Google Analytics: https://policies.google.com/privacy

We are not responsible for third-party privacy practices.

5. Cookies and Similar Technologies

5.1 Current Cookie Use

We currently use minimal cookies:

Essential cookies: Required for Website functionality
Analytics cookies: Basic traffic analysis (if enabled)

5.2 Your Cookie Choices

Most browsers allow you to control cookie settings
Disabling cookies may affect Website functionality
No personal tracking cookies are used

6. External Links and Resources

Our Website contains links to external websites and resources. Important:

We are not responsible for external site privacy practices
External sites have their own privacy policies
We recommend reviewing privacy policies of sites you visit
Links are provided for informational purposes only

7. Data Security

7.1 Security Measures

We implement reasonable security measures including:

Secure hosting infrastructure
Regular security updates
Protection against common web threats
Secure data transmission (HTTPS)

7.2 Data Retention

Technical logs: Retained for security and maintenance purposes only
No personal data retention: We don't store personal information to retain
Calculator data: Not stored - processed locally in your browser

8. Your Privacy Rights

8.1 General Rights

Since we collect minimal information, your rights include:

Right to know: What information we collect (detailed in this policy)
Right to access: Contact us for information about any data we may have
Right to deletion: Request deletion of any information we may hold

8.2 International Users

European Users (GDPR): You have enhanced rights under European law
California Users (CCPA): You have specific rights under California law
Contact us for specific requests regarding your information

9. Children's Privacy

Our Website is not directed to children under 13
We do not knowingly collect information from children under 13
If you believe we have collected information from a child under 13, contact us immediately
Parents/guardians can contact us about any concerns

10. Changes to This Privacy Policy

10.1 Policy Updates

We may update this policy as our Website evolves
Material changes will be posted with a new effective date
Significant changes may be highlighted on our Website
Continued use after changes constitutes acceptance

10.2 Future Features

If we add new features such as:

Email newsletters or contact forms
User accounts or registration
E-commerce functionality
Enhanced tracking or personalization

We will update this policy and notify users of changes.

11. International Data Transfers

Our Website is hosted in the United States
Information may be processed in countries with different privacy laws
We ensure appropriate safeguards for any international transfers

12. Legal Basis for Processing

We process information based on:

Legitimate interests: Website operation and improvement
Consent: When you choose to contact us or use optional features
Legal compliance: Meeting legal obligations for website operation

13. Contact Information

13.1 Privacy Questions

For questions about this Privacy Policy or our privacy practices:

Email: hmnortje@gmail.com
Website: www.foff-fund.com

13.2 Data Requests

To request information about data we may hold or to exercise your privacy rights, contact us using the information above.

14. Compliance and Jurisdiction

14.1 Geographic Scope

This Privacy Policy is designed to comply with:

General privacy principles and best practices
Applicable laws in our operating jurisdiction
International privacy standards where relevant

14.2 Specific Jurisdictions

GDPR (European Union): Enhanced rights and protections apply
CCPA (California): Specific consumer rights apply
Other Jurisdictions: Contact us for specific privacy rights information

15. Data Protection Principles

We operate according to these principles:

Transparency: Clear communication about our practices
Minimization: Collect only necessary information
Purpose Limitation: Use data only for stated purposes
Accuracy: Maintain accurate information
Security: Protect information with appropriate safeguards
Accountability: Take responsibility for our privacy practices

Your Privacy Matters: We believe privacy is a fundamental right. This policy reflects our commitment to protecting your information while providing valuable financial independence resources.

Questions or Concerns? We're here to help. Contact us at hmnortje@gmail.com with any privacy-related questions.

This Privacy Policy is effective as of September 13, 2025 and was last updated on September 13, 2025.