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Privacy Policy

1. Introduction

Welcome to Immanent.Capital ("we," "our," or "us"). We are committed to protecting your personal data and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or subscribe to our premium financial content.

Immanent.Capital is operated from The Netherlands. For the purposes of the General Data Protection Regulation (GDPR), we are the "Data Controller" of the personal information you provide to us directly.

2. Information We Collect

We collect information that you voluntarily provide to us, as well as information collected automatically when you use our website.

  • Account Information: When you register for an account or subscribe to our premium content, we collect your name, email address, and account credentials (passwords are stored encrypted).
  • Usage Data: We automatically collect certain information when you visit the site, such as your IP address, browser type, operating system, pages viewed, and the dates/times of your visits. This helps us ensure platform security and improve our content.
  • Payment Information (Processed by MoR): We use [MoR] as our Merchant of Record for all subscription transactions. We do not collect, process, or store your credit card numbers or sensitive financial data. When you make a purchase, your payment information is provided directly to MoR, whose use of your personal information is governed by their own Privacy Policy. We only receive confirmation of your subscription status and billing cycle to grant you access to our premium content.

3. How We Use Your Information (and Legal Basis)

Under the GDPR, we must have a valid legal basis to process your data. We use your information for the following purposes:

  • To Provide Our Services (Contractual Necessity): To create and manage your account, deliver premium newsletters, and grant access to paywalled content.
  • To Communicate With You (Legitimate Interest & Consent): To send you technical notices, updates, security alerts, and administrative messages. If you opt-in, we may also send you marketing communications regarding new analysis or features.
  • To Process Transactions (Contractual Necessity): To coordinate with MoR to ensure your subscription is active, manage auto-renewals, and handle customer support requests related to access.
  • To Protect Our Platform (Legitimate Interest): To monitor against unauthorized account sharing, credential stuffing, scraping, and to enforce our Terms of Service.

4. How We Share Your Information

We do not sell your personal data. We only share your information with third parties in the following circumstances:

  • Payment Processors: As noted, we share necessary account status information with our MoR to facilitate your subscription and billing.
  • Service Providers: We may use third-party vendors to assist with email delivery and website hosting. These providers only have access to the data necessary to perform their specific functions and are contractually obligated to protect it.
  • Legal Compliance: We may disclose your information if required to do so by law, or in response to valid requests by public authorities (e.g., a court or government agency).

5. Data Retention

We will only retain your personal data for as long as necessary to fulfill the purposes we collected it for, including the purposes of satisfying any legal, accounting, or reporting requirements.

  • Active Accounts: We keep your account information for as long as your account is active.
  • Canceled Accounts: If you cancel your subscription, we may retain your basic account information (like your email and subscription history) for a limited period to resolve disputes, prevent fraud (e.g., abuse of free trials), and comply with tax and legal obligations.

6. Your GDPR Data Protection Rights

If you are a resident of the European Economic Area (EEA), you have the following rights regarding your personal data:

  • The Right to Access: You have the right to request copies of your personal data.
  • The Right to Rectification: You have the right to request that we correct any information you believe is inaccurate or incomplete.
  • The Right to Erasure ("Right to be Forgotten"): You have the right to request that we erase your personal data, under certain conditions.
  • The Right to Restrict Processing: You have the right to request that we restrict the processing of your personal data, under certain conditions.
  • The Right to Object to Processing: You have the right to object to our processing of your personal data, under certain conditions (including opting out of marketing emails at any time).
  • The Right to Data Portability: You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

To exercise any of these rights, please contact us at the email address provided below. We have one month to respond to your request.

7. Cookies and Tracking Technologies

Our website uses cookies to distinguish you from other users. This helps us provide you with a good experience when you browse our website (e.g., keeping you logged in to the premium section and ensuring platform security). You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept essential cookies, you may not be able to access the premium paywalled areas of the site.

8. International Data Transfers

While we are based in the Netherlands, some of our service providers (like MoR or website hosts) may be located outside the European Economic Area (EEA). Whenever we transfer your personal data out of the EEA, we ensure a similar degree of protection is afforded to it by ensuring appropriate safeguards are implemented, such as standard contractual clauses approved by the European Commission.

9. Complaints and the Supervisory Authority

If you have any concerns about our use of your personal information, you can make a complaint to us directly.

You also have the right to complain to the Dutch Data Protection Authority (Autoriteit Persoonsgegevens) if you believe we have processed your personal data in violation of the GDPR.

10. Contact Us

If you have any questions about this Privacy Policy, the data we hold on you, or you would like to exercise one of your data protection rights, please do not hesitate to contact us.