Effective Date: June 19, 2025

Welcome to www.ratex42.com (“we”, “our”, “us”). Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal data when you visit our website and interact with our services.

1. Who We Are

RatEx42 is a cyber finance rating agency. Our website www.ratex42.com serves as the editorial and review platform where we publish financial intelligence, risk assessments, and product reviews. Listings and rating profiles are hosted separately on https://listings.ratex42.com.

2. What Data We Collect

We may collect and process the following categories of personal data:

2.1 Automatically Collected Data

When you visit our site, we automatically collect:

• IP address
• Browser type and version
• Operating system
• Referring URL
• Date/time of access
• Pages visited and interactions

2.2 User-Provided Data

You may voluntarily provide:

• Name and email address (e.g. when subscribing to our newsletter or submitting reviews)
• User comments or reviews
• Contact form messages

2.3 Cookies and Tracking Technologies

We use cookies to:

• Analyze website traffic and improve performance
• Store user preferences (e.g., light/dark mode)
• Support analytics and security features (e.g., reCAPTCHA)

For more information, see our [Cookie Policy].

3. How We Use Your Data

We process your data for the following purposes:

• To operate and improve our website
• To provide customized content
• To communicate with you if you subscribe or contact us
• To analyze traffic and user behavior
• To comply with legal obligations and protect against abuse

4. Legal Basis for Processing

Under the General Data Protection Regulation (GDPR), we rely on the following legal bases:

• Consent (e.g., for newsletter subscriptions)
• Legitimate interest (e.g., improving the website and preventing misuse)
• Legal obligation (e.g., recordkeeping or regulatory inquiries)

5. Who We Share Data With

We do not sell your data. We may share it with:

• Service providers (e.g., web hosting, analytics tools)
• Law enforcement or regulators, when required by law
• Partners or affiliates (e.g., listings.ratex42.com), only when relevant

All data processors are bound by contractual obligations to protect your information.

6. Your Rights Under GDPR

You have the right to:

• Access your data
• Rectify inaccurate data
• Request deletion (“right to be forgotten”)
• Restrict or object to processing
• Data portability (if applicable)
• Withdraw consent at any time

To exercise your rights, email us at privacy@ratex42.com.

7. Data Security

We implement technical and organizational measures to protect your data, including:

• SSL encryption
• Firewalls and malware protection
• Limited access to authorized personnel only

8. Data Retention

We retain your data only as long as necessary for the purposes described, or as required by law. For example, analytics data may be retained for up to 26 months.

9. Third-Party Links

Our website may contain links to external websites. We are not responsible for the privacy practices or content of these sites. Please review their privacy policies before submitting personal data.

10. International Data Transfers

If you are located outside the EU/EEA, your data may be transferred to servers in the EU or other jurisdictions. We take measures to ensure adequate protection under applicable law.

11. Updates to This Policy

We reserve the right to update this Privacy Policy at any time. Any changes will be posted on this page with an updated effective date. Please check back periodically.

12. Contact Us

If you have questions or concerns about this Privacy Policy or your data, please contact:

RatEx42 – Cyber Finance Rating Agency
Email: privacy@ratex42.com
Website: https://www.ratex42.com

Would you also like me to generate:

• A Cookie Policy
• A Terms & Conditions page
• A Data Processing Agreement (DPA) for your newsletter system or external processors?