Privacy Policy

1. Introduction

Oquilia (“we,” “our,” or “us”) operates the website oquilia.com and its associated services (collectively, the “Platform”). We are committed to protecting the privacy of our users. This Privacy Policy describes the types of information we collect, how we use and safeguard it, and the choices you have regarding your data.

2. Information We Collect

Information you provide directly: When you use our calculators, Oquilia Advisor, contact forms, or newsletter sign-up, you may provide your name, email address, phone number, and financial details such as income, loan amount, or insurance preferences. All financial inputs are processed locally in your browser and are not stored on our servers unless you explicitly choose to save them.

Automatically collected information: We automatically collect certain technical data when you visit the Platform, including your IP address (anonymized), browser type and version, operating system, device type, referral URLs, pages visited, time spent on pages, and interaction events such as calculator usage and button clicks.

Cookies and similar technologies: We use cookies, local storage, and similar technologies to remember your preferences (such as dark mode and cookie consent), understand how you navigate the Platform, and improve our services. See Section 5 for details.

3. How We Use Your Information

• To provide, maintain, and improve the Platform and its features, including calculators, insurance analysis, and financial advisory.
• To personalize your experience, such as remembering your calculation history and display preferences.
• To communicate with you if you reach out to us, including responding to support requests and feedback.
• To send periodic emails or notifications if you opt in to our newsletter or alerts.
• To analyze aggregate usage patterns and improve content, performance, and reliability of the Platform.
• To detect, prevent, and address technical issues, fraud, or security concerns.

4. Third-Party Services

We use the following third-party services that may collect data in accordance with their own privacy policies:

• Google Analytics: We use Google Analytics to understand how visitors interact with the Platform. Google Analytics uses cookies to collect anonymized information about your visits. You can opt out via the Google Analytics opt-out browser add-on.
• Google AdSense: We may display advertisements via Google AdSense. Google uses cookies to serve ads based on your prior visits to our Platform and other websites. You can manage your ad preferences through Google Ad Settings.
• Vercel: Our Platform is hosted on Vercel, which may collect standard web server logs including IP addresses and request metadata.

5. Cookies

Cookies are small text files stored on your device. We use the following types of cookies:

• Essential cookies: Required for the Platform to function, such as storing your theme preference and cookie consent choice. These cannot be disabled.
• Analytics cookies: Help us understand usage patterns and improve the Platform. These are only set if you accept cookies.
• Advertising cookies: Used by Google AdSense to serve relevant advertisements. These are only set if you accept cookies.

You can manage or delete cookies through your browser settings. Note that disabling certain cookies may affect Platform functionality.

6. Data Retention

We retain personal information only for as long as necessary to fulfill the purposes described in this policy. Calculator inputs are processed in your browser and not stored server-side. If you provide your email for our newsletter, we retain it until you unsubscribe. Analytics data is retained in aggregate form for up to 26 months.

7. Data Security

We implement industry-standard security measures, including HTTPS encryption, to protect information transmitted to and from the Platform. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

8. Your Rights

Depending on your jurisdiction, you may have the following rights regarding your personal data:

• Access: Request a copy of the personal data we hold about you.
• Correction: Request correction of inaccurate or incomplete data.
• Deletion: Request deletion of your personal data, subject to legal obligations.
• Opt-out: Unsubscribe from marketing communications at any time via the unsubscribe link in our emails.
• Cookie preferences: Manage your cookie preferences via the cookie consent banner or your browser settings.

9. Children's Privacy

The Platform is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such information, please contact us and we will promptly delete it.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be posted on this page with an updated effective date. We encourage you to review this page periodically.

11. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us at privacy@oquilia.com.