Privacy Policy — investment-journal.pro

Effective date: 2026-02-01

This Privacy Policy explains how investment-journal.pro (“we,” “us,” or “our”) handles information in connection with your use of our website and any subscription that provides access to paid content. Please read this document carefully. By accessing or using our website, you acknowledge and agree to the practices described below.

If you do not agree with this Privacy Policy, please discontinue use of the website.

1) Who We Are

investment-journal.pro is an informational blog that publishes educational and general-interest content related to investing topics. Some content may be made available only to subscribers as “paid content” (sometimes referred to as “premium content” or “subscriber-only content”).

This Privacy Policy applies to:

  • Visitors who browse the website without subscribing
  • Users who subscribe to access paid content
  • Anyone interacting with the website content and pages

2) Summary (Plain Language Overview)

We aim to keep this simple:

  • We do not intentionally collect personal data from you through this website.
  • We do not create user accounts, maintain user profiles, or store browsing histories tied to an identifiable person (as part of our own systems).
  • Payments and subscriptions are handled by a third-party payment provider. While we do not collect payment card details ourselves, the payment provider may collect and process information as part of providing its service. We are not responsible for the payment provider’s independent data collection practices.
  • A subscription provides access to paid content on the blog.
  • Refunds may be available only after you prove you followed the steps described in the blog for at least 30 days, subject to the conditions described in this policy.
  • The website content is informational only and not financial advice.

3) Information We Collect (and What We Do Not Collect)

3.1 We Do Not Intentionally Collect Personal Data

We state clearly: investment-journal.pro does not intentionally collect personal information such as:

  • Your name
  • Your address
  • Your phone number
  • Your email address
  • Government identifiers
  • Payment card numbers or bank account numbers
  • Personal financial information

We also do not intentionally collect “sensitive” personal data (where such concept exists under applicable laws).

3.2 We Do Not Run User Accounts (By Default)

We do not operate a traditional user account system where users register and maintain profiles, and we do not intentionally store credentials.

3.3 Technical Data and Normal Web Operations

Like nearly all websites, basic technical information may be processed by standard internet infrastructure (e.g., hosting providers, CDNs, and your own browser/network). This may include limited technical logs necessary to deliver the website, such as:

  • Device and browser type
  • Basic request information (e.g., pages requested)
  • Approximate time of request
  • IP address as part of server communication

To the extent such information exists in server logs controlled by infrastructure providers, it is typically used for reliability, security, and performance (e.g., blocking abuse, diagnosing outages). We do not use such information to identify you.

4) Payments, Subscriptions, and Third-Party Payment Providers

4.1 We Do Not Collect Payment Details

If you purchase a subscription, the transaction is handled by a third-party payment system/provider. We do not receive or store your full payment card details (such as your full card number, CVV, or full banking credentials).

4.2 Third-Party Data Collection (Payment Provider)

Even though we do not collect payment details, the payment provider may collect and process personal data required to process payments, prevent fraud, comply with legal obligations, and provide receipts or confirmations. This may include information such as:

  • Your name and billing details
  • Email address (for receipts/confirmation)
  • Transaction identifiers
  • Payment method details (processed directly by them)
  • Fraud-prevention and security signals

Important: The payment provider operates under its own privacy policy and terms. We are not responsible for the payment provider’s data collection, storage, or processing practices, including any tracking, analytics, risk scoring, or identity verification they may perform. We encourage you to read the payment provider’s privacy policy carefully before making a purchase.

4.3 Subscription Access to Paid Content

A subscription is intended to provide you with access to paid content (subscriber-only posts, materials, downloads, or other premium sections) made available on investment-journal.pro. The specific scope, format, and availability of paid content may change over time as content is updated, expanded, reorganized, or removed.

We reserve the right to:

  • Modify or discontinue specific paid posts or materials
  • Add new paid content or reorganize paid sections
  • Limit access in cases of abuse, fraud, or violation of our terms

5) Refund Policy (Conditional Refunds)

We want to be transparent and very explicit about refunds.

5.1 Refund Eligibility

Refunds may be available only if you can prove that you:

  1. Purchased a subscription, and
  2. Followed all the steps described in the blog (as applicable to your situation) for at least 30 consecutive days, and
  3. Can provide reasonable evidence demonstrating the above.

5.2 What “Proving” Means

Because this blog is informational and may describe steps or routines, “proof” may include (depending on what is relevant and feasible):

  • Dated logs, screenshots, or records showing you followed the steps
  • Notes, checklists, or documented progress demonstrating compliance
  • Any other documentation we reasonably request to confirm you followed the steps for at least 30 days

We reserve the right to evaluate evidence in good faith. Submitting evidence does not guarantee a refund; it only initiates review.

5.3 Refund Review and Decision

If you request a refund, we may:

  • Ask for clarification or additional documentation
  • Deny requests that are incomplete, unverifiable, inconsistent, or appear fraudulent
  • Deny requests that do not meet the 30-day requirement

5.4 Payment Provider Limitations

Refunds, if approved, may be subject to:

  • The payment provider’s processing rules and timelines
  • Non-refundable transaction fees charged by the payment provider (if applicable)
  • The original method of payment limitations

We are not responsible for delays, processing errors, or limitations imposed by the payment provider, banks, card networks, or other financial intermediaries.

6) Cookies, Tracking, and Analytics

We do not intentionally deploy tracking systems designed to identify you personally.

However, some third-party services involved in delivering the website or processing payments may use cookies, local storage, device identifiers, or similar technologies for:

  • Fraud prevention
  • Security
  • Basic functionality (e.g., payment flows)
  • Performance or reliability

Where such technologies are used by third parties, their practices are governed by their own privacy policies, not ours.

7) How We Use Information

Because we do not intentionally collect personal data, we generally do not use personal data for marketing, profiling, or targeted advertising.

To the extent any limited technical data exists (e.g., infrastructure logs), it may be used for:

  • Keeping the website operational
  • Protecting the website from abuse (spam, bot traffic, attacks)
  • Debugging and performance monitoring
  • Ensuring content is delivered correctly

8) Sharing of Information

8.1 We Do Not Sell Personal Data

We do not sell personal information because we do not intentionally collect personal information for such purpose.

8.2 Third Parties

Even if we do not collect personal data ourselves, third parties involved in website operations or payment processing may process data to provide their services. These third parties may include:

  • Payment processors (for subscriptions)
  • Hosting providers (to serve the website)
  • Security services (to protect the site)

Again, we are not responsible for the independent data practices of third parties, especially payment providers.

9) Data Retention

Since we do not intentionally collect personal data, we do not maintain a structured retention program for personal user data.

If any limited technical logs exist as part of normal hosting operations, they may be retained for a limited time according to infrastructure or security needs, and may be automatically rotated or deleted.

Payment providers retain transaction records according to their own policies and legal obligations.

10) Data Security

We take reasonable steps to keep the website functioning securely and to reduce risk of unauthorized access or misuse. However:

  • No website or transmission method can be guaranteed 100% secure.
  • We cannot control the security practices of third-party payment systems.
  • You are responsible for keeping your own devices secure and using safe browsing practices.

11) International Visitors

If you access investment-journal.pro from outside the country where our services are hosted or operated, your access may involve cross-border data transmission as part of normal internet routing and hosting.

Third-party payment providers may process payments and related data in multiple jurisdictions in accordance with their policies and legal requirements.

12) Children’s Privacy

This website is intended for a general audience and is not directed to children. We do not knowingly collect personal data from children. If you believe a child has provided personal information to a payment provider in connection with a subscription, please contact the payment provider directly and follow their procedures.

13) Important Disclaimer: Not Financial Advice

All content on investment-journal.pro, including free and paid content, is provided for informational and educational purposes only.

  • Nothing on this website constitutes financial advice, investment advice, legal advice, tax advice, or accounting advice.
  • We are not your financial advisor.
  • You should do your own research and consider consulting a licensed professional before making financial decisions.
  • Investing involves risk, including the possible loss of principal.

You understand and agree that any decisions you make based on information from this website are made at your own risk.

14) Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in the website, paid content offerings, or legal requirements. When we update it, we will revise the “Effective date” at the top.

Your continued use of the website after changes become effective means you accept the updated policy.

15) Contact

If you need to contact us regarding this Privacy Policy, you may use the contact method published on the website (if available).

If your question relates to payment data, billing details, or transaction processing, you should also contact the payment provider, as they control and process payment information.

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