Privacy Policy

Introduction

Bull & Carabao ("we," "us," or "our") publishes a daily financial newsletter covering US and Philippine markets. Anyone can read the daily issue on our website for free, with no account required. This policy explains what information we collect if you create an account, how we use it, and the choices you have.

Information We Collect

If you just read the daily issue on our site without signing in, we don't ask for or store any personal information about you. Our advertising partner, Google, may use cookies when you visit, as described in section 5.

If you create a free account, you sign in with Google, and we receive your name and email address from your Google account, along with the watchlist tickers you choose to save and an optional custom avatar you can select for your profile. We also record which issues you've read and how many you've read in a given month, used to show your reading activity on your dashboard.

If you upgrade to a Pro subscription, we additionally collect the payment reference number you provide, used to match your payment to your account, depending on which digital payment service you used. We do not receive or store your payment credentials. Those are handled entirely by your digital payment service.

How We Use Your Information

We use the information above solely to:

• Maintain your account and sign you in
• Send a daily email nudge (free accounts) or the full daily issue (Pro subscribers)
• Show your saved watchlist tickers alongside market data
• Show your reading activity (last issue read, digests read this month) on your dashboard
• Manage your account tier (free or Pro) and, for Pro subscribers, match and confirm payment
• Contact you about your account, such as activation confirmations

Information Sharing

We do not sell or share the personal information you give us with third parties. Your data is used only to operate Bull & Carabao. Ads on our site are served by Google, which uses its own cookies as described in section 5.

Advertising and Cookies

We show ads on our website through Google AdSense, which helps keep the daily issue free to read.

Third-party vendors, including Google, use cookies to serve ads based on your prior visits to this website or other websites. Google’s use of advertising cookies enables it and its partners to serve ads to you based on your visits to this site and/or other sites on the Internet.

You can opt out of personalized advertising by visiting Google’s Ads Settings. You can also opt out of some third-party vendors’ use of cookies for personalized advertising at www.aboutads.info/choices.

To learn more about how Google uses information from sites that use its services, see How Google uses information from sites or apps that use our services.

If you sign in, we also store a session token in your browser so you stay signed in. Signing out or clearing this site’s data from your browser removes it.

Data Retention

We keep your account information for as long as your account is active, whether free or Pro. If you downgrade from Pro back to Free, we retain a record of your most recent payment reference for our own accounting purposes, even after your Pro access ends. If you delete your account or ask us to remove your data, we'll do so within a reasonable period.

Your Rights

You can ask us to access, correct, or delete your personal information at any time by emailing us. We'll respond as soon as we can.

Security

We take reasonable steps to protect your information, but no method of storage or transmission is completely secure. We can't guarantee absolute security.

Changes to This Policy

We may update this policy from time to time. If we make material changes, we'll notify subscribers by email.

Contact Us

Questions about this policy? Email us at support.bncdigest@gmail.com.