Privacy Policy

CT Banking Guide ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website ct-banking-guide.com (the "Site").

Please read this Privacy Policy carefully. By using the Site, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect

1.1 Information You Provide

We may collect information that you voluntarily provide to us when you:

• Fill out our contact form (name, email address, message content)
• Subscribe to our newsletter or updates (if applicable)
• Communicate with us via email

We do NOT collect: Social Security numbers, bank account numbers, credit card information, passwords, or other sensitive financial data.

1.2 Automatically Collected Information

When you visit our Site, we automatically collect certain information about your device and browsing activity, including:

• IP address
• Browser type and version
• Operating system
• Pages visited and time spent on pages
• Referring website
• Date and time of visit

1.3 Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our Site. Cookies are small data files stored on your device. We use:

• Essential Cookies: Necessary for the Site to function properly
• Analytics Cookies: Help us understand how visitors use our Site (Google Analytics)
• Preference Cookies: Remember your settings and preferences

You can control cookie preferences through our cookie consent banner or your browser settings.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To respond to your inquiries and provide customer support
• To improve and optimize our Site
• To analyze Site usage and trends
• To detect and prevent fraud or abuse
• To comply with legal obligations
• To send you updates or information you requested (with your consent)

3. How We Share Your Information

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following circumstances:

3.1 Service Providers

We may share information with third-party service providers who perform services on our behalf, such as:

• Web hosting providers
• Analytics providers (Google Analytics)
• Email service providers

These providers are contractually obligated to protect your information and use it only for the purposes we specify.

3.2 Legal Requirements

We may disclose your information if required by law or in response to valid legal requests, such as:

• Court orders or subpoenas
• Government investigations
• Protection of our legal rights
• Prevention of fraud or illegal activity

3.3 Business Transfers

If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

4. Third-Party Links

Our Site contains links to third-party websites, including financial institutions. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

When you click on links to external websites (such as bank websites), you are leaving our Site and are subject to the privacy policies of those sites.

5. Google Analytics

We use Google Analytics to collect and analyze information about Site usage. Google Analytics uses cookies to track visitor interactions. The information collected includes:

• Pages visited
• Time spent on pages
• Traffic sources
• Geographic location (city/country level)
• Device and browser information

Google Analytics data is anonymized and does not identify individual users. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

6. Your Privacy Rights

6.1 Access and Correction

You have the right to access and update your personal information. Contact us at contact@niccoinc.org to request access or corrections.

6.2 Data Deletion

You may request deletion of your personal information by contacting us. We will delete your information unless we are required to retain it for legal purposes.

6.3 Cookie Preferences

You can manage your cookie preferences through:

• Our cookie consent banner (appears on first visit)
• Your browser settings
• Opting out of Google Analytics (link above)

6.4 Do Not Track

Some browsers have "Do Not Track" features. Our Site does not currently respond to Do Not Track signals.

7. Data Security

We implement reasonable security measures to protect your information from unauthorized access, alteration, disclosure, or destruction. These measures include:

• SSL/HTTPS encryption
• Secure server infrastructure
• Regular security audits
• Access controls and authentication

However, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security of your information.

8. Children's Privacy

Our Site is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you believe we have collected information from a child under 13, please contact us immediately.

9. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to Know: Request information about data we collect and how it's used
• Right to Delete: Request deletion of your personal information
• Right to Opt-Out: Opt out of the sale of personal information (we do not sell personal information)
• Right to Non-Discrimination: We will not discriminate against you for exercising your rights

To exercise these rights, contact us at contact@niccoinc.org.

10. European Privacy Rights (GDPR)

If you are in the European Economic Area (EEA), you have rights under the General Data Protection Regulation (GDPR):

• Right to access your personal data
• Right to rectification of inaccurate data
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing

To exercise these rights, contact us at contact@niccoinc.org.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. We encourage you to review this Privacy Policy periodically.

Continued use of the Site after changes are posted constitutes your acceptance of the updated Privacy Policy.

12. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us:

Email: contact@niccoinc.org
Location: Connecticut, USA