Privacy Policy - PipsJournal

Effective Date: January 19, 2026
Last Updated: January 19, 2026

Introduction

PipsJournal (“we,” “us,” “our”) operated by Muhammad Usman Ali respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website pipsjournal.tech and use our services.

Please read this Privacy Policy carefully. By accessing or using our website, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy.

Contact Information:

Website: pipsjournal.tech
Email: admin@pipsjournal.tech
WhatsApp: +923408747609
Location: Pakistan

1. Information We Collect

1.1 Information You Provide Directly

Contact Information: When you contact us via WhatsApp or email, we collect:

Name (if provided)
WhatsApp number
Email address
Message content
Communication preferences

Voluntary Submissions: If you submit questions, feedback, or requests, we collect:

Content of your submission
Contact details for response
Any information you choose to share

1.2 Information Collected Automatically

Website Usage Data: When you visit pipsjournal.tech, we automatically collect:

IP address
Browser type and version
Operating system
Device information (desktop, mobile, tablet)
Pages visited and time spent
Referring website or source
Date and time of visit
Geographic location (country/city level)

Cookies and Tracking Technologies: We use cookies and similar technologies to:

Remember your preferences
Analyze website traffic
Improve user experience
Track which pages are most popular
Understand visitor behavior patterns

See Section 4 for detailed Cookie Policy.

1.3 Information from Third Parties

Analytics Services: We use third-party analytics services (such as Google Analytics) that collect data about:

Website traffic sources
User demographics (age, gender, interests – anonymized)
Visitor behavior and navigation patterns
Device and browser information
Geographic distribution of visitors

Social Media: If you access our content through social media platforms, they may share limited information according to their privacy policies.

1.4 Information We Do NOT Collect

We do not collect:

Credit card or payment information (we provide free services)
Social security numbers or national ID numbers
Detailed financial information
Health information
Biometric data
Children’s information (users must be 18+)

2. How We Use Your Information

2.1 Primary Purposes

To Provide Educational Content:

Deliver daily and weekly gold analysis
Provide access to forex calculators and tools
Respond to questions and inquiries
Send requested information

To Improve Our Services:

Analyze website usage patterns
Understand which content is most valuable
Improve website navigation and user experience
Identify technical issues and fix bugs
Optimize page loading speeds

To Communicate With You:

Respond to WhatsApp messages and emails
Provide trading education guidance
Send updates about new analysis or content (if requested)
Answer questions about risk management or trading

For users in European Union or regions with GDPR-equivalent laws, we process data based on:

Legitimate Interests:

Providing educational content and analysis
Improving website functionality
Preventing fraud or misuse
Analyzing website performance

Consent:

Sending marketing communications (if opted in)
Using non-essential cookies (with your consent)
Processing data for purposes beyond core services

Contractual Necessity:

Delivering services you request
Responding to your inquiries

You have right to withdraw consent at any time without affecting lawfulness of processing before withdrawal.

3.1 We Do NOT Sell Your Data

We never sell, rent, or trade your personal information to third parties for marketing purposes.

3.2 Service Providers

We may share limited information with trusted third-party service providers who assist us:

Web Hosting:

Website hosting provider stores website data
Subject to their privacy and security policies
Limited to data necessary for hosting services

Analytics Services:

Google Analytics processes anonymized usage data
Helps us understand website traffic patterns
Subject to Google’s privacy policy
You can opt-out using Google Analytics Opt-out Browser Add-on

Email Services:

Email provider processes messages sent to admin@pipsjournal.tech
Subject to their privacy and security policies

Content Delivery:

CDN services may cache website content
Improves page loading speeds globally
Limited access to technical data only

All service providers:

Are contractually required to protect your data
Can only use data for specified purposes
Must comply with applicable privacy laws
Are prohibited from selling or misusing information

3.3 Legal Requirements

We may disclose information if required by law:

In response to valid legal process (subpoenas, court orders)
To comply with regulatory obligations
To protect our rights, property, or safety
To prevent illegal activity or fraud
To enforce our Terms and Conditions

3.4 Business Transfers

If PipsJournal is involved in merger, acquisition, or sale of assets:

Your information may be transferred to new owner
We will notify you via email or website notice
New owner must honor this Privacy Policy
You will have option to delete your data

4. Cookies and Tracking Technologies

4.1 What Are Cookies

Cookies are small text files stored on your device when you visit websites. They help websites remember your preferences and analyze usage patterns.

4.2 Types of Cookies We Use

Essential Cookies (Required):

Enable core website functionality
Remember your session as you navigate
Necessary for security features
Cannot be disabled without affecting website operation

Analytics Cookies (Optional):

Track pages visited and time spent
Help us understand which content is valuable
Identify technical issues
Improve website performance
Require your consent before use

Preference Cookies (Optional):

Remember your settings and preferences
Improve user experience on return visits
Store language preferences
Require your consent before use

4.3 Third-Party Cookies

Google Analytics:

Tracks anonymized usage data
Helps us improve content and navigation
Subject to Google’s privacy policy
You can opt-out using browser add-on

Social Media:

If you share our content on social platforms
Social networks may set their own cookies
Subject to their privacy policies
We have no control over these cookies

4.4 Managing Cookies

You can control cookies through:

Browser Settings:

Most browsers allow you to refuse or delete cookies
Settings vary by browser (Chrome, Firefox, Safari, Edge)
Check browser help section for instructions
Note: Disabling essential cookies may affect website functionality

Opt-Out Tools:

Google Analytics Opt-out: https://tools.google.com/dlpage/gaoptout
Network Advertising Initiative: https://optout.networkadvertising.org
Digital Advertising Alliance: https://optout.aboutads.info

Do Not Track:

Some browsers offer “Do Not Track” signals
We respect these preferences where technically feasible
Note: No universal standard exists yet

5. Data Security

5.1 Security Measures

We implement appropriate technical and organizational measures to protect your data:

Technical Measures:

HTTPS encryption for data transmission
Secure server infrastructure
Regular security updates and patches
Firewall protection
Access controls and authentication
Regular security audits

Organizational Measures:

Limited access to personal data (need-to-know basis)
Employee confidentiality agreements
Security awareness training
Incident response procedures
Regular policy reviews

5.2 Data Retention

We retain information only as long as necessary:

Website Usage Data:

Analytics data retained for 26 months (Google Analytics default)
IP addresses anonymized after short period
Aggregated data may be kept indefinitely (non-identifiable)

Communication Data:

WhatsApp and email conversations retained while relevant
Deleted upon request or when no longer needed
Archived for legal compliance when required

Account Data:

We don’t have traditional user accounts
Contact information deleted upon request
Automatic deletion after extended inactivity period

5.3 Data Security Limitations

Despite our efforts, no method of transmission or storage is 100% secure:

Internet transmission inherently carries risks
Unauthorized access possible despite security measures
You share information at your own risk
We cannot guarantee absolute security

You should:

Use strong passwords for your email/WhatsApp
Keep devices secure and updated
Avoid sharing sensitive information via insecure channels
Contact us immediately if you suspect unauthorized access

6. Your Privacy Rights

If you are in European Union, you have these rights:

Right to Access:

Request copy of personal data we hold about you
Receive information about how we process data
Obtain data in structured, machine-readable format

Right to Rectification:

Correct inaccurate personal data
Complete incomplete information
Update outdated details

Right to Erasure (“Right to be Forgotten”):

Request deletion of your personal data
Applies when data no longer necessary
Subject to legal retention requirements

Right to Restrict Processing:

Limit how we use your data
While disputing accuracy or lawfulness
Instead of erasure in certain situations

Right to Data Portability:

Receive data in portable format
Transmit data to another controller
Applies to data you provided with consent

Right to Object:

Object to processing based on legitimate interests
Object to direct marketing at any time
Object to automated decision-making

Right to Withdraw Consent:

Withdraw consent for processing at any time
Does not affect lawfulness of prior processing
May limit services we can provide

Right to Lodge Complaint:

File complaint with supervisory authority
In EU member state of your residence
If you believe we violated GDPR

6.2 Rights Under CCPA (California Users)

If you are California resident, you have:

Right to Know:

Categories of personal information collected
Sources of information
Business purposes for collection
Third parties with whom information shared
Specific pieces of information collected

Right to Delete:

Request deletion of personal information
Subject to certain exceptions

Right to Opt-Out:

Opt-out of sale of personal information
Note: We do not sell personal information

Right to Non-Discrimination:

Equal service and pricing
Even if you exercise privacy rights

6.3 Rights for All Users

Regardless of location, you can:

Access Your Data:

Request information we hold about you
Understand how we use your data

Correct Inaccuracies:

Update incorrect information
Complete incomplete records

Delete Your Data:

Request removal of personal information
Subject to legal requirements

Opt-Out of Communications:

Unsubscribe from emails
Stop receiving communications

Object to Processing:

Object to certain uses of your data
Withdraw consent where applicable

6.4 Exercising Your Rights

To exercise any privacy right:

Contact Us:

Email: admin@pipsjournal.tech
WhatsApp: +923408747609
Subject line: “Privacy Rights Request”

Include in Request:

Your name and contact information
Specific right you wish to exercise
Details of data concerned (if applicable)
Verification of identity (to prevent fraud)

Response Timeline:

We will respond within 30 days
May extend by additional 30 days if complex
Will inform you of any delays

No Fee:

Requests are free of charge
Unless clearly unfounded or excessive
We may charge reasonable fee or refuse such requests

7. Children’s Privacy

7.1 Age Restriction

PipsJournal is not intended for users under 18 years of age.

We do not knowingly:

Collect information from children under 18
Market services to minors
Allow minors to create accounts or use services

7.2 Parental Notice

If you are parent or guardian and believe your child under 18 has provided us with personal information:

Contact us immediately:

Email: admin@pipsjournal.tech
WhatsApp: +923408747609

We will:

Verify the report
Delete information promptly
Prevent future collection

Trading involves substantial financial risk and is illegal for minors in most jurisdictions. Parents should monitor children’s internet usage.

8. International Data Transfers

8.1 Data Location

Our website and services may involve data transfers across borders:

Primary Location:

Website hosted on servers that may be located outside Pakistan
Data may be processed in countries with different privacy laws
We use service providers in various jurisdictions

Transfers Outside EEA:

Data may be transferred to countries outside European Economic Area
These countries may not have equivalent data protection laws
We ensure appropriate safeguards are in place

8.2 Safeguards for International Transfers

When transferring data internationally, we ensure:

Adequacy Decisions:

Transfers to countries recognized by EU Commission as adequate

Standard Contractual Clauses:

EU-approved contracts with data recipients
Ensures GDPR-level protection

Other Mechanisms:

Binding corporate rules where applicable
Certifications such as Privacy Shield (where valid)

By using our services, you consent to:

Transfer of your data internationally
Processing in countries where servers located
Application of this Privacy Policy regardless of location

9. Third-Party Websites

9.1 External Links

PipsJournal contains links to third-party websites including:

News sources (Guardian, Reuters, Bloomberg)
Data providers (Federal Reserve, Atlanta Fed)
Analysis platforms (FOREX.com, MarketPulse)
Financial institutions (Goldman Sachs, Bank of America)
Regulatory authorities

9.2 No Responsibility

We are not responsible for:

Privacy practices of third-party websites
Content on external sites
Data collection by linked sites
Security of information you provide to third parties
How third parties use your information

9.3 Your Responsibility

When clicking external links:

Review privacy policy of destination website
Understand their data practices before submitting information
Recognize that you are leaving pipsjournal.tech
Accept risks of interacting with third parties

We provide links for convenience only and do not endorse third-party sites.

10. Changes to Privacy Policy

10.1 Right to Modify

We reserve right to modify this Privacy Policy at any time.

Changes may be made:

To reflect new practices or services
To comply with legal requirements
To address security concerns
To improve clarity or accuracy

10.2 Notice of Changes

When we make changes:

Material Changes:

Email notification to registered users (if we have email)
Prominent notice on website homepage
Updated “Last Updated” date at top

Non-Material Changes:

Updated “Last Updated” date
No individual notification
Changes effective immediately upon posting

10.3 Your Responsibility

You should:

Review Privacy Policy periodically
Check “Last Updated” date regularly
Understand current terms before using services
Discontinue use if you disagree with changes

Continued use after changes constitutes acceptance of modified Privacy Policy.

11. Contact Us

11.1 Privacy Questions

For questions about this Privacy Policy or our privacy practices:

Email: admin@pipsjournal.tech
WhatsApp: +923408747609
Website: pipsjournal.tech

When contacting us:

Use clear subject line (e.g., “Privacy Policy Question”)
Provide specific details about your concern
Include contact information for response

11.2 Data Protection Officer

For GDPR compliance matters:

While we are not required to appoint formal Data Protection Officer, privacy inquiries should be directed to:

Email: admin@pipsjournal.tech
Subject: “GDPR Inquiry” or “Privacy Rights Request”

11.3 Supervisory Authority

EU users have right to lodge complaint with supervisory authority:

If you believe we have violated GDPR:

Contact your local data protection authority
File formal complaint
Seek guidance on exercising rights

Note: We encourage contacting us first to resolve concerns informally.

12. Additional Information

12.1 Automated Decision-Making

We do not use:

Automated decision-making affecting you legally or significantly
Profiling for automated decisions
AI systems making decisions about you

All significant decisions are made by humans.

12.2 Marketing Communications

We may send educational content updates if you opt in.

You can opt-out at any time:

Click unsubscribe link in emails
Contact us directly to opt-out
No penalty for unsubscribing

We do not:

Share your contact information for third-party marketing
Send spam or excessive communications
Require opt-in to access basic services

If you interact with our content on social media:

Subject to platform’s privacy policy
We may see limited public information
Platform may share analytics data with us
Your privacy settings control visibility