Privacy Policy
Last Updated: September 2026
Today Global Market ("we", "us", "our") operates todayglobalmarket.com. This privacy policy explains in detail how we collect, use, store, protect, and share your personal information when you visit our website, subscribe to our newsletter, use our FinanceGuide app, or interact with any of our services.
By using our website or services, you agree to the practices described in this policy. If you do not agree, please stop using our website immediately.
1. Information We Collect
1.1 Information You Provide Voluntarily
We collect personal information when you voluntarily submit it through our website. This includes:
- Name — when you register, subscribe, or fill out contact forms
- Email address — for account creation, newsletter subscription, and communication
- Phone number (optional) — for WhatsApp alerts, service communication, and support
- Password — stored in encrypted (hashed) form; we can never see your actual password
- Financial data — income, expenses, budgets, goals (only in FinanceGuide app, only visible to you)
- Messages — when you contact us, ask questions, or submit feedback
1.2 Information Collected Automatically
When you visit our website, we automatically collect:
- IP address — for security, consent verification, and approximate location detection
- Location (city, state, country) — derived from your IP address for compliance records
- Browser type and version — to optimize website experience
- Device information — desktop, mobile, tablet
- Pages visited and time spent — to understand which content is helpful
- Referring URLs — to understand how you found our website
- Timestamps — when you visit, register, subscribe, or give consent
1.3 Consent Tracking Data
When you subscribe to our newsletter or register for FinanceGuide, we collect and permanently store the following for legal compliance:
- Consent IP address — the IP address from which you gave consent
- Consent timestamp — exact date and time consent was given (in IST)
- Consent method — how you opted in (OTP email verification, app registration, admin-added)
- Consent location — city, state, and country detected from your IP at the time of consent
This data serves as our legal proof that you gave informed consent to receive communications from us.
2. How We Use Your Information
We use your personal information for the following purposes:
- Newsletter delivery — sending weekly financial tips, market updates, and educational content via email
- WhatsApp communication — sending financial alerts and service information (only if you provided your phone number)
- Account management — managing your FinanceGuide account, login sessions, and preferences
- Customer support — responding to your inquiries, questions, and feedback
- Website improvement — analyzing usage patterns to improve content and user experience
- Advertising — displaying relevant advertisements through Google AdSense
- Security — detecting and preventing fraud, unauthorized access, and abuse
- Legal compliance — maintaining consent records as required by law
We will never use your information for purposes not listed here without obtaining your explicit consent first.
3. Cookies and Advertising
3.1 What Are Cookies?
Cookies are small text files stored on your device when you visit websites. They help us remember your preferences and understand how you use our website.
3.2 Types of Cookies We Use
- Essential cookies — required for basic website functionality such as login sessions and form submissions. These cannot be disabled.
- Analytics cookies (Google Analytics) — track anonymized usage data including pages visited, time spent, and traffic sources. This helps us understand which content is most helpful.
- Advertising cookies (Google AdSense) — serve relevant advertisements based on your browsing history. Google may use information about your visits to this and other websites to provide targeted ads.
- Preference cookies — remember your settings like cookie consent acceptance.
3.3 Managing Cookies
You can control cookies through:
- Our cookie consent banner (shown on first visit)
- Your browser settings (most browsers allow you to block or delete cookies)
- Google Ad Settings — opt out of personalized advertising
- aboutads.info — opt out of third-party cookies
Please note that disabling cookies may affect some website functionality.
4. Email Communication & Newsletter
4.1 Double Opt-In Process
We use a verified double opt-in process for newsletter subscriptions:
- You enter your email and agree to the consent checkbox
- We send a 6-digit OTP verification code to your email
- Only after you enter the correct code are you subscribed
- Your consent IP, location, timestamp, and method are recorded
4.2 What We Send
- Weekly financial education tips and market updates
- Money-saving strategies and insurance guidance
- New calculator and tool alerts
- Tax-saving strategies and investment insights
- Festival greetings and special offers (occasionally)
4.3 Unsubscribe
You can unsubscribe at any time by:
- Clicking the "Unsubscribe" link at the bottom of every email we send
- Visiting our unsubscribe page and entering your email
- Emailing us at info@todayglobalmarket.com
Once unsubscribed, you will never receive marketing emails from us again. We keep your email on record solely to ensure we do not accidentally re-add you in the future.
5. FinanceGuide (Expense Manager) Data
If you use our FinanceGuide app, we store your financial data in our secure database. Here is exactly what we store and how we protect it:
5.1 Data We Store
- Income and expense entries (amount, category, date, notes)
- Budget settings (monthly budget, category-wise budgets)
- Savings goals (name, target, progress)
- Credit card and loan information (if you add them)
- Login history (timestamp, IP address, device)
5.2 Privacy Protections
- Only you can see your financial data when logged in
- Our admin team cannot view your financial data unless you generate a temporary access code and share it with us (for support purposes only)
- Temporary access codes expire automatically after 30 minutes
- Your data is never shared with any third party
- Your data is never used for advertising or analytics purposes
- Your password is encrypted using industry-standard hashing (bcrypt) — we cannot see your password
5.3 Account Deletion
If you delete your FinanceGuide account (or request deletion), we permanently remove all your financial entries, budgets, goals, cards, loans, and personal details. Only your email address is retained for record-keeping purposes.
6. Data Sharing & Third Parties
We do not sell, rent, or trade your personal information to anyone.
We may share limited data with the following service providers who help us operate our website:
- Google Analytics — anonymized website usage data for understanding traffic patterns
- Google AdSense — cookie-based data for serving relevant advertisements
- Brevo (formerly Sendinblue) — email addresses for newsletter delivery and transactional emails (OTP codes, welcome emails)
- ip-api.com — IP address lookup for detecting city/state/country at the time of consent (no personal data is shared)
We may also disclose your information if required by law, court order, or government regulation.
7. Data Security
We take the security of your data seriously and implement the following measures:
- SSL/TLS encryption — all data transmitted between your browser and our server is encrypted (HTTPS)
- Password hashing — passwords are stored using bcrypt encryption; even we cannot see your password
- Prepared SQL statements — protection against SQL injection attacks
- Session management — secure login sessions with automatic timeout
- Rate limiting — OTP requests are limited to prevent abuse (max 3 per hour)
- Admin access controls — admin accounts require strong passwords with lockout after failed attempts
- Regular backups — database is backed up to prevent data loss
While we implement industry-standard security measures, no method of internet transmission is 100% secure. We cannot guarantee absolute security but we strive to protect your data to the best of our ability.
8. Your Rights
You have the following rights regarding your personal data:
- Right to access — request a copy of all personal data we hold about you
- Right to correction — request correction of inaccurate or incomplete data
- Right to deletion — request complete deletion of your personal data
- Right to unsubscribe — opt out of marketing emails at any time
- Right to withdraw consent — withdraw consent for data processing at any time
- Right to data portability — receive your data in a standard format (CSV export available in FinanceGuide)
- Right to object — object to processing of your data for specific purposes
- Right to cookie control — manage or disable cookies through your browser settings
To exercise any of these rights, email us at info@todayglobalmarket.com. We will respond within 30 days.
9. Delete Your Data
You have the right to request complete deletion of all your personal data at any time. To do so:
- Email info@todayglobalmarket.com with the subject line "Delete My Data"
- Include the email address associated with your account
- We will verify your identity and process the request within 30 days
What gets deleted:
- Your account and profile information
- All financial entries (income, expenses, budgets, goals)
- Subscriber records and newsletter preferences
- Contact form submissions
What may be retained:
- Email address in unsubscribe list (to prevent accidentally re-emailing you)
- Consent records (IP, timestamp, method) — required by law as proof of consent
- Data required for legal obligations or dispute resolution
10. Data Retention
We retain your data according to the following policies:
- Active accounts — all data is kept while your account is active and in use
- Inactive accounts — accounts inactive for more than 24 months may be marked for review
- Unsubscribed emails — email address is kept permanently to prevent re-adding (but never emailed again)
- Deleted accounts — all personal data is removed; email is retained for records only
- Consent records — IP address, timestamp, location, and method are kept permanently as legal proof
- Analytics data — Google Analytics retains anonymized data per Google policies
- Server logs — automatically deleted after 90 days
11. Children's Privacy
Our website and services are not intended for children under 18 years of age. We do not knowingly collect personal information from anyone under 18.
If we discover that we have collected personal data from a child under 18, we will take immediate steps to delete that information. If you are a parent or guardian and believe your child has provided us with personal data, please contact us at info@todayglobalmarket.com.
12. International Users
Our website is operated from India. If you access our website from outside India, please be aware that your data may be transferred to and processed in India. By using our website, you consent to this transfer.
We comply with:
- India Information Technology Act, 2000 — and its rules regarding data protection
- GDPR (EU) — for users in the European Union (right to access, delete, and port data)
- CAN-SPAM Act (USA) — for email communications (unsubscribe option in every email)
13. Third-Party Links
Our website may contain links to third-party websites (government sites, financial institutions, educational resources). We are not responsible for the privacy practices or content of these external sites. We encourage you to read the privacy policy of every website you visit.
14. Changes to This Policy
We may update this privacy policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make significant changes:
- We will update the "Last Updated" date at the top of this page
- For major changes, we may notify subscribers via email
- Continued use of our website after changes constitutes acceptance of the updated policy
We recommend reviewing this page periodically for any updates.
15. Contact Us
If you have any questions, concerns, or requests regarding this privacy policy or your personal data, contact us at:
- Email: info@todayglobalmarket.com
- Subject line: "Privacy Policy Inquiry" or "Delete My Data"
- Response time: We aim to respond within 48 hours and process requests within 30 days
For general queries, you can also use our contact page or ask a question.