1. Who we are

Financial Insight Technology, Inc. ("The Finance Tech Hub", "we", "us", or "our") is an independent fintech analysis and media platform incorporated in the State of Delaware, USA, operating from 44 Wall St., #705, New York, NY 10005. We operate thefinancetechhub.com and publish independent analysis covering banking, payments, AI, and RegTech.

We are the data controller for personal information processed through this website, our newsletter (The Bridge), and our optional SMS programme.

2. The data we collect

We collect personal data in three principal ways:

• Information you provide directly — name, work email, company, role, message content, and any other details you choose to submit through a contact form, newsletter signup, or discovery call request.
• Information collected automatically — when you visit the site, our service providers may automatically collect IP address (anonymised), browser type, device type, referring URL, pages visited, and approximate location.
• Information from contributors and editorial workflows — when a guest contributor submits an article or when a reader submits a tip, we process the personal data necessary to credit the contributor or follow up on the submission.

3. Why we process your data

We process your data for the following purposes:

• To deliver The Bridge newsletter and SMS alerts you have opted into
• To respond to contact form enquiries
• To improve the site through anonymised analytics
• To comply with applicable legal obligations

For users in California, we comply with the California Consumer Privacy Act (CCPA), as amended by the CPRA. We do not sell personal information.

For users in the UK or EEA, we additionally rely on legitimate interests (Art. 6(1)(f)), consent (Art. 6(1)(a)), and legal obligation (Art. 6(1)(c)) as lawful bases under the UK GDPR / EU GDPR.

SMS communications are governed by the Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227. By opting in, you provide your prior express written consent to receive automated messages.

4. How we share data

We do not sell personal data. We share it only with carefully selected processors under written data processing agreements, including:

• Hosting: commercial cloud providers
• Email & CRM: transactional email and customer relationship management providers
• SMS service providers and aggregators
• Analytics: privacy-respecting, cookieless web analytics
• Professional advisors: lawyers, auditors, and tax advisors, under confidentiality obligations

We may also disclose data when required by law, regulation, or a competent court order.

5. International transfers

Where personal data leaves the UK or EEA, we rely on adequacy decisions, the UK International Data Transfer Addendum, or EU Standard Contractual Clauses, supplemented by additional technical and organisational safeguards where appropriate.

6. How long we keep data

• Contact form enquiries: 24 months from last interaction
• Newsletter subscriptions: until you unsubscribe, plus 12 months in our suppression list
• Client and financial records: 7 years (standard US business and tax retention rules)
• SMS consent records and opt-in data: 4 years from the date of consent. SMS opt-out and revocation records: 10 years.
• Aggregated website analytics: 14 months

7. Your rights

Depending on your jurisdiction, you may have the right to:

• Access the personal data we hold about you
• Request correction or deletion
• Object to or restrict processing
• Withdraw consent at any time
• Data portability
• Lodge a complaint with your supervisory authority (the ICO in the UK, CNIL in France, or the applicable US state authority)

To exercise any of these rights, email privacy@thefinancetechhub.com. We will respond within 30 days.

8. Cookies

We use a minimal set of strictly necessary cookies for session management. We do not use third-party advertising cookies. A cookie banner allows you to manage non-essential preferences where applicable.

9. Security

We maintain reasonable technical and organisational measures appropriate to the nature of the data we process, including encryption in transit and at rest, role-based access control, and least-privilege principles. No system is invulnerable; in the event of a breach affecting personal data, we will notify affected individuals and the relevant authority within the timeframes required by law.

10. Contact

For any privacy-related question, write to our Privacy Team:

privacy@thefinancetechhub.com
Financial Insight Technology, Inc.
44 Wall St., #705, New York, NY 10005
United States

1. Acceptance

By accessing or using thefinancetechhub.com (the "Site"), you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree, do not use the Site.

2. Who we are

This Site is operated by Financial Insight Technology, Inc., operating as The Finance Tech Hub, a Delaware corporation with its principal place of business at 44 Wall St., #705, New York, NY 10005.

3. The Site and its content

The Site provides general information about our practice, insights authored by our practitioners, and a means of contacting us. The content is for informational purposes only and does not constitute professional, legal, financial, or technology advice. You should not act, or refrain from acting, on the basis of Site content without obtaining tailored advice.

4. Editorial independence

The Finance Tech Hub publishes independent analysis. We do not accept payment, sponsorship, or any other consideration in exchange for editorial coverage. Any sponsored or syndicated content, where it appears, will be clearly labelled as such. Nothing on the Site constitutes investment, legal, accounting, or other professional advice.

5. Intellectual property

All content on the Site — including text, graphics, the Finance Tech Hub name and logo, generative artwork, code, and software — is owned by or licensed to Financial Insight Technology, Inc. and protected by U.S. and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works without prior written consent. You may link to public pages of the Site provided the link is presented fairly, lawfully, and in a way that does not damage our reputation.

6. Acceptable use

You agree not to:

• Use the Site for any unlawful purpose
• Attempt to gain unauthorised access to any part of the Site
• Introduce malicious code or interfere with the Site's operation
• Reverse-engineer, scrape, or systematically retrieve content beyond fair use
• Use the Site to impersonate any person or entity

7. Disclaimer

The Site is provided "as is" and "as available". To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for purpose, and non-infringement. Insights and articles reflect the opinions of their authors at the time of writing and may not reflect our current views.

8. Limitation of liability

To the maximum extent permitted by applicable law, Financial Insight Technology, Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site. Nothing in these Terms excludes our liability for fraud, fraudulent misrepresentation, death, or personal injury caused by our negligence.

9. Third-party links

The Site may link to third-party websites. We do not control and are not responsible for the content, accuracy, or privacy practices of those websites.

10. Termination

We may suspend or terminate your access to the Site at any time, for any reason, without notice.

11. Communications & Electronic Consent

By providing your email address or phone number, you consent to receive electronic communications from us, including transactional notices, policy updates, and, where explicitly opted-in, marketing messages. All email communications comply with the CAN-SPAM Act. SMS communications are governed by our SMS Terms and the TCPA. You may withdraw your consent to marketing communications at any time by following the unsubscribe or STOP instructions provided in the messages.

12. Governing law

These Terms are governed by the laws of the State of New York, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms shall be brought exclusively in the state or federal courts located in New York County, New York, and you consent to the personal jurisdiction of those courts.

13. Changes to these Terms

We may update these Terms from time to time. The "Last updated" date above reflects the most recent revision. Continued use of the Site after a change constitutes acceptance of the revised Terms.

14. Contact

support@thefinancetechhub.com
Financial Insight Technology, Inc.
44 Wall St., #705, New York, NY 10005, United States

1. About the programme

Financial Insight Technology, Inc. ("The Finance Tech Hub") offers an opt-in SMS programme for newsletter subscribers to receive time-sensitive market and regulatory alerts that complement our regular newsletter, plus occasional event invitations where you have separately consented.

2. How to opt in

You may opt in by:

• Providing your mobile number on a contact or registration form and ticking the SMS consent checkbox
• Replying JOIN to a verification SMS we send
• Confirming SMS preferences inside your subscriber preferences page

By opting in, you confirm that you are the account holder for the mobile number provided, or have the account holder's permission to do so.

By opting in, you provide your prior express written consent to receive recurring automated marketing and informational text messages sent using an Automatic Telephone Dialing System (ATDS). Your consent to receive SMS messages is not a condition of purchasing any goods or services.

3. Message frequency

Frequency varies. You may receive between zero and four alerts per month tied to time-sensitive market or regulatory developments, plus occasional event-related messages where you have separately consented.

4. Fees

Message and data rates may apply. Financial Insight Technology, Inc. does not charge for the messages themselves; your mobile operator's standard rates apply.

5. Help and opt-out

• For help, reply HELP at any time, or email support@thefinancetechhub.com.
• To opt out, reply STOP at any time. You will receive a single confirmation message and no further texts.

6. Privacy

Your mobile number is processed in accordance with our Privacy Policy. We do not share mobile numbers with third parties for marketing purposes.

7. Supported carriers

The programme is available on most major US carriers. Carriers are not liable for delayed or undelivered messages.

8. Programme changes

We may modify or terminate the SMS programme at any time without notice. The current version of these terms is always available on this page.

9. Contact

support@thefinancetechhub.com
Financial Insight Technology, Inc.
44 Wall St., #705, New York, NY 10005, United States

1. Which laws this covers

This notice describes your rights under:

• The California Consumer Privacy Act (CCPA), as amended by the CPRA
• The Colorado Privacy Act, the Virginia Consumer Data Protection Act, and similar U.S. state privacy laws
• The UK GDPR and EU GDPR equivalents (right to object to processing, right to erasure)

2. Your rights

You have the right to:

• Opt out of the sale or sharing of your personal information (we already abstain from both)
• Limit the use of sensitive personal information
• Know what personal information we collect, use, disclose, and retain
• Request deletion of personal information we hold
• Correct inaccurate personal information
• Receive a portable copy of your personal information
• Non-discrimination — exercising any of these rights will never result in adverse treatment from us

3. How to exercise these rights

Choose any of the channels below. We will acknowledge requests within 10 business days and respond substantively within 45 days (extendable by 45 days where reasonably necessary, with notice to you).

• Email: privacy@thefinancetechhub.com (subject line: "Privacy Rights Request")
• Web: Contact us and select "Privacy request" as the topic
• Postal mail: Privacy Team, Financial Insight Technology, Inc., 44 Wall St., #705, New York, NY 10005, United States

4. Verification

Before fulfilling a sensitive request (e.g., access or deletion), we will ask you to verify your identity by confirming information already in our records. We will not request additional personal information beyond what is reasonably necessary to verify.

5. Authorised agents

You may designate an authorised agent to submit a request on your behalf. The agent must provide written permission signed by you and may need to verify their own identity.

6. Sensitive personal information

We collect only the minimum personal information necessary for the legitimate business purposes described in our Privacy Policy. We do not use sensitive personal information for any purpose other than those permitted under applicable law.

7. Contact

If you have any question about this notice or want to speak with our Privacy Team:

privacy@thefinancetechhub.com
Financial Insight Technology, Inc., 44 Wall St., #705, New York, NY 10005