Privacy Policy

Last updated: 2 March 2026

Creating Financial Confidence ("we," "us," or "our") is operated by Andrea Agarwal. We are committed to protecting your privacy and handling your personal data responsibly, in compliance with the EU General Data Protection Regulation (GDPR) and the UK Data Protection Act 2018.

1. Data Controller

The data controller responsible for your personal data is:

Andrea Agarwal
Creating Financial Confidence
Email: andreaagarwal@gmail.com

2. What Data We Collect

We collect minimal personal data, and only when you choose to provide it:

• Email address and name — when you sign up for our free guides or newsletter via Google Forms
• Contact information — when you reach out through our contact form
• Usage data — anonymised analytics data such as pages visited, time on site, and referring URLs (collected via Cloudflare Web Analytics, which does not use cookies or track individuals)

3. How We Use Your Data

We use your personal data for the following purposes:

• To send you the free guides you requested
• To send occasional updates about new resources or programs (only if you opted in)
• To respond to your enquiries
• To understand how our site is used in aggregate (no individual tracking)

4. Legal Basis for Processing (GDPR)

We process your personal data based on:

• Consent — when you voluntarily submit your email address or contact details via our forms
• Legitimate interest — for anonymised website analytics to improve our content

5. Data Sharing

We do not sell, trade, or rent your personal data to third parties. Your data may be processed by:

• Google (Google Forms, Google Drive) — for form submissions and file hosting
• Cloudflare — for website hosting and privacy-friendly analytics

These services have their own privacy policies and GDPR-compliant data processing agreements.

6. Cookies

This website does not use cookies for tracking or advertising. Cloudflare Pages may use essential cookies required for site security and performance. No third-party advertising or analytics cookies are used.

7. Your Rights Under GDPR

If you are in the EU or UK, you have the following rights:

• Access — request a copy of the personal data we hold about you
• Rectification — ask us to correct inaccurate data
• Erasure — ask us to delete your personal data ("right to be forgotten")
• Restriction — ask us to limit how we use your data
• Portability — receive your data in a structured, machine-readable format
• Objection — object to processing based on legitimate interest
• Withdraw consent — at any time, without affecting prior processing

To exercise any of these rights, email us at andreaagarwal@gmail.com. We will respond within 30 days.

8. Data Retention

We retain your personal data only for as long as necessary to fulfil the purposes described above. If you unsubscribe from our mailing list, your data will be deleted within 30 days.

9. Data Security

We take reasonable measures to protect your data, including the use of HTTPS encryption and secure third-party services. However, no method of transmission over the internet is 100% secure.

10. International Transfers

Your data may be processed outside the EU/UK by our service providers (Google, Cloudflare). These providers maintain appropriate safeguards including Standard Contractual Clauses to ensure your data is protected.

11. Changes to This Policy

We may update this policy from time to time. The "Last updated" date at the top will reflect the most recent version.

12. Contact

If you have any questions about this privacy policy or how we handle your data, please contact:

Andrea Agarwal
Email: andreaagarwal@gmail.com

If you are not satisfied with our response, you have the right to lodge a complaint with your local data protection authority (e.g., the ICO in the UK or CNIL in France).