Privacy Policy

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Data Controller
Money.it srl unipersonale - Via Giosuè Carducci 8 - 20123 Milano - P. IVA e C.F.: 13586361001

It is possible at any time to request by email to [email protected] the modification or deletion of personal data obtained by registering to the site or subscribing to the newsletter. From the button at the bottom of the page you can access the panel to automatically manage preferences for sending newsletters, push notifications and managing privacy preferences for advertising services.

This company does not make marketing calls, nor does it offer services and/or products over the phone. Money.it is an information-only site, focusing primarily on economic/financial topics. In case you are bothered by call centers of brokers or other financial market participants, please be sure of the name and credentials of the calling company and express to them the changes in the consent to the processing of your personal data that you consider appropriate.

Holder’s email address: [email protected]

Types of Data Collected
Among the Personal Data collected by www.money.it, either independently or through third parties, are: Cookies; Usage Data; first name; last name; email; image; username; unique device identifiers for advertising (Google Advertiser ID or IDFA identifier, for example); geographic location; language.

Full details on each type of Personal Data collected are provided in the dedicated sections of this privacy policy or through specific informational texts displayed prior to the collection of such Data.
Personal Data may be freely provided by the User or, in the case of Usage Data, automatically collected during the use of www.money.it.
Unless otherwise specified, all Data requested by www.money.it are mandatory. If the User refuses to provide them, it may be impossible for www.money.it to provide the Service. In cases where www.money.it indicates certain Data as optional, Users are free to refrain from communicating such Data, without this having any consequence on the availability of the Service or its operation.
Users in doubt as to which Data are mandatory are encouraged to contact the Data Controller.
Any use of Cookies - or other tracking tools - by www.money.it or the owners of third party services used by www.money.it is for the purpose of providing the Service requested by the User, in addition to the additional purposes described in this document and in the Cookie Policy.

The User assumes responsibility for the Personal Data of third parties obtained, published or shared through www.money.it.

Method and place of processing of collected Data

Methods of processing
The Data Controller takes appropriate security measures to prevent unauthorized access, disclosure, modification or destruction of Personal Data.
The processing is carried out by means of computer and/or telematic tools, with organizational methods and logics strictly related to the indicated purposes. In addition to the Data Controller, in some cases, other subjects involved in the organization of www.money.it (administrative, sales, marketing, legal, system administrators) or external subjects (such as third party technical service providers, postal couriers, hosting providers, IT companies, communication agencies) also appointed, if necessary, Data Processors by the Data Controller may have access to the Data. The updated list of Data Processors can always be requested from the Data Controller.

Location

The Data are processed at the operating offices of the Data Controller and in any other place where the parties involved in the processing are located. For more information, please contact the Data Controller.
The User’s Personal Data may be transferred to a country other than the country where the User is located. To obtain more information about the location of the processing, the User may refer to the section on Personal Data processing details.

Retention Period

Unless otherwise stated in this document, Personal Data is processed and kept for the time required by the purpose for which it was collected and may be kept for a longer period due to any legal obligations or based on Users’ consent.

Purposes of the Data collected

User Data is collected to enable the Data Controller to provide the Service, fulfill legal obligations, respond to requests or enforcement actions, protect its rights and interests (or those of Users or third parties), detect any malicious or fraudulent activities, as well as for the following purposes: Statistics, Interaction with social networks and external platforms, Contacting the User, Social Features, Advertising, Commercial Affiliation, Remarketing and behavioral targeting, Content commenting, Viewing content from external platforms, Accessing accounts on third party services, Contact management and message sending, and Hosting and backend infrastructure.

To obtain detailed information about the purposes of the processing and the Personal Data processed for each purpose, the User may refer to the "Personal Data Processing Details" section.

Facebook permissions required by www.money.it
www.money.it may require certain Facebook permissions that allow it to perform actions with the User’s Facebook account and collect information, including Personal Data, from it. This service allows www.money.it to connect with the User’s account on the social network Facebook, provided by Facebook Inc.

For more information about the following permissions, please refer to the Facebook permissions documentation and Facebook’s privacy policy.

The required permissions are as follows:

Basic Information

The basic information of the User registered on Facebook which normally includes the following Data: id, name, image, gender and language of location and, in some cases Facebook "Friends". If the User has made additional Data publicly available, the same will be available.

Access to Private Data

Allows access to the User’s and Friends’ private data.

Personal Data Processing Details.
Personal Data is collected for the following purposes and using the following services:

Access to accounts on third-party services

These types of services allow www.money.it to take Data from your accounts on third-party services and perform actions with them.
These services are not activated automatically, but require your express permission.

Facebook Account Access (www.money.it)

This service allows www.money.it to connect with the User’s account on the social network Facebook, provided by Facebook, Inc.

Required permissions: Access to private data.

Place of processing: USA - Privacy Policy.

Commercial Affiliation

This type of service allows www.money.it to display ads for products or services offered by third parties. The ads can be displayed either in the form of advertising links or as banners in various graphic forms.
Clicks on the icon or banner posted on www.money.it are tracked by the third-party services listed below and are shared with www.money.it.
To find out what data is collected please refer to the privacy policies of each service.

Amazon Affiliation (Amazon)

Amazon Affiliation is a commercial affiliate service provided by Amazon.com Inc.

Personal Data Processed: Cookies; Usage Data.

Place of processing: USA - Privacy Policy.

Content Commenting

Commenting services allow Users to make and publish their own comments regarding the content of www.money.it.
The Users, depending on the settings decided by the Owner, can also leave the comment anonymously. In case among the Personal Data released by the User is email, this may be used to send notifications of comments regarding the same content. Users are responsible for the content of their comments.
In the event that a commenting service provided by third parties is installed, it is possible that, even if Users do not use the commenting service, it may collect traffic data related to the pages where the commenting service is installed.

Directly operated commenting system (www.money.it)

www.money.it has its own content commenting system.

Personal data processed: last name; Usage data; email; first name; username.

Contacting the User

Contact form (www.money.it)
The User, by filling out the contact form with their Data, consents to their use to respond to requests for information, quotes, or any other nature indicated by the header of the form.

Personal Data processed: last name; email; first name.

Mailing List or Newsletter (www.money.it)

By registering for the mailing list or newsletter, the User’s email address is automatically added to a list of contacts to whom email messages containing information, including of a commercial and promotional nature, relating to www.money.it may be sent. The User’s email address may also be added to this list as a result of registering at www.money.it or after making a purchase.

Personal Data Processed: last name; email; first name.

Social Features

Public Profile (www.money.it)

Users may have a public profile viewable by other Users. In addition to the Personal Data provided, this profile may contain the User’s interactions with www.money.it.

Personal Data processed: last name; email; image; first name.

Contact management and message sending

This type of services allows you to manage a database of email contacts, telephone contacts or contacts of any other type used to communicate with the User.
These services may also allow for the collection of data related to the date and time of the User’s viewing of messages, as well as the User’s interaction with them, such as information about clicks on links embedded in messages.

OneSignal (Lilomi, Inc.)

OneSignal is a messaging service provided by Lilomi, Inc.

OneSignal allows the Owner to send messages and notifications to Users on platforms such as Android, iOS, and on the web. Messages can be sent to individual devices, groups of devices, or based on topics or specific segments of Users.

Depending on the permissions assigned to www.money.it, the Data collected may relate to and include information about the precise location (e.g., through GPS data), Wi-Fi network, and applications installed and activated by the User. To enable the OneSignal service to function, www.money.it uses mobile device identifiers (including Android Advertising ID or Advertising Identifier for OS) or cookie-like technologies.

The Data collected may be used by the service provider for promotional (based on Users’ interests), statistical and market analysis purposes. For further details regarding OneSignal’s use of the Data, please see the relevant privacy policy.

Opt-out from push notifications
In most cases, Users will be able to opt-out of notifications through their device settings (e.g. the section on Push Notifications), making the relevant changes in relation to all or some of the applications present.

Opt-out from interest-based promotional activity
Users will be able to opt-out from OneSignal’s promotional features through their device settings (e.g., those related to advertising management). Different configurations of some peripherals, or the installation of any updates, could affect the operation of the mentioned settings.

Personal Data Processed: Cookies; Usage Data; email; unique device identifiers for advertising (Google Advertiser ID or IDFA identifier, for example); language; geographic location; various types of Data as specified by the service’s privacy policy.

Place of processing: USA - Privacy Policy - Opt out.

MagNews (Diennea srl)

MagNews is an address management and email messaging service provided by Diennea srl.

Personal Data processed: email; various types of Data as specified by the privacy policy of the service.

Place of processing: Italy - Privacy Policy.

Hosting and backend infrastructure

This type of services has the function of hosting Data and files that allow www.money.it to function, allow its distribution, and make available a ready-to-use infrastructure to deliver specific functions of www.money.it.

Some of the services among those listed below, if any, may run on geographically distributed servers, making it difficult to determine the actual location where Personal Data is stored.

Akamai Content Delivery Network (Akamai Technologies, Inc.).

Akamai is a hosting service provided by Akamai Technologies, Inc.

Personal Data Processed: Usage Data; Tracking Tool.

Place of processing: United States - Privacy Policy.

Interaction with social networks and external platforms

This type of service allows for interactions with social networks, or other external platforms, directly from the pages of www.money.it.
The interactions and information acquired by www.money.it are in each case subject to the User’s privacy settings related to each social network.
This type of service may still collect traffic data for the pages where the service is installed, even when Users are not using it.
It is recommended to disconnect from the respective services to ensure that the data processed on www.money.it is not linked back to the User’s profile.

Facebook Like Button and Social Widgets (Facebook, Inc.)

The Facebook "Like" button and social widgets are Facebook social network interaction services provided by Facebook, Inc.

Personal Data Processed: Cookies; Usage Data.

Place of processing: USA - Privacy Policy.

Advertising

This type of service allows User Data to be used for marketing communication purposes. These communications are displayed on www.money.it in the form of banners and other forms of advertising, also related to the User’s interests.
This does not mean that all Personal Data is used for this purpose. Data and conditions of use are set out below.
Some of the services below may use Tracking Tools to identify the User or use the technique of behavioral retargeting, i.e. displaying advertisements tailored to the User’s interests and behavior, also detected outside www.money.it. For more information on this, we suggest you check the privacy policies of the respective services.
Generally, services of this type offer the possibility to disable such tracking. In addition to any opt-out features provided by any of the services listed in this document, the User can read more about how to turn off interest-based advertisements in the appropriate "How to turn off interest-based advertising" section in this document.

Google AdSense (Google Inc.)

Google AdSense is an advertising service provided by Google LLC or Google Ireland Limited, depending on how the Data Controller manages the processing of the Data. This service uses the "DoubleClick" Cookie, which tracks the use of www.money.it and the behavior of the User in relation to advertisements, products and services offered.
The User can decide at any time to disable all DoubleClick cookies by going to: Ads Settings.

For an understanding of Google’s use of data, please see Google’s Partner Policy.

Personal Data Processed: Cookies; Usage Data.

Place of processing: USA - Privacy Policy - Opt Out.

Tradedoubler (Tradedoubler)

Tradedoubler is an advertising service provided by TradeDoubler AG.
To get information about TradeDoubler’s use of cookies and how to block them: Tradedoubler’s targeting technologies.

Personal Data Processed: Cookies; Usage Data.

Place of processing: Sweden - Privacy Policy - Opt Out.

Google Ad Manager (Google Inc.)

Google Ad Manager is an advertising service provided by Google LLC with which the Owner may conduct advertising campaigns jointly with external advertising networks with which the Owner, unless otherwise specified herein, has no direct relationship.
Users who do not wish to be tracked by the different advertising networks may use Youronlinechoices. For an understanding of Google’s use of data, please see Google’s Partner Policy.
This service uses the Cookie "DoubleClick", which tracks the use of @replacement missing: en.privacy_policy_page.interpolation.this_applicationp and the behavior of the User in relation to advertisements, products and services offered.
The User can decide at any time not to use the DoubleClick Cookie by providing for its deactivation: www.google.com/settings/ads/onweb/optout?hl=it.

Personal Data Processed: Cookies; Usage Data.

Place of processing: USA - Privacy Policy.

Adform (Adform)

Adform is an advertising service provided by Adform.

Personal Data Processed: Cookies; Usage Data.

Place of processing: Denmark - Privacy Policy.

Criteo (Criteo SA)

Criteo is an advertising service provided by Criteo SA.

Personal Data Processed: Cookies; Usage Data.

Place of processing: France - Privacy Policy - Opt Out.

Smart AdServer (Smart AdServer SA)

Smart AdServer is an advertising service provided by Smart AdServer SA.

Personal Data Processed: Cookies; Usage Data.

Place of processing: France - Privacy Policy - Opt Out.

PubMatic (PubMatic, Inc.)

PubMatic is an advertising service provided by PubMatic, Inc.

Personal Data Processed: Cookies; Usage Data.

Place of processing: USA - Privacy Policy - Opt Out.

AppNexus (AppNexus Inc.)

AppNexus is an advertising service provided by AppNexus Inc.

Personal Data Processed: Cookies; Usage Data.

Place of processing: USA - Privacy Policy - Opt out.

Rubicon Project (The Rubicon Project, Inc.)

Rubicon Project is an advertising service provided by The Rubicon Project, Inc.

Personal Data Processed: Cookies; Usage Data.

Place of processing: USA - Privacy Policy - Opt Out.

OpenX Ad Exchange (OpenX Technologies, Inc.)

OpenX Ad Exchange is an advertising service provided by OpenX Technologies, Inc.
The service provides an ad management platform that facilitates the optimization of advertisements across multiple ad networks, potentially consisting of third parties to both OpenX and the Owner.

Personal Data Processed: Cookies; Usage Data.

Place of processing: USA - Privacy Policy - Opt Out.

jsDelivr (jsdelivr.com)

jsDelivr is a traffic optimization and distribution service provided by jsdelivr.com.

Personal Data Processed: Usage Data; Tracking Tool.

Place of processing: Poland - Privacy Policy.

Remarketing and behavioral targeting

This type of service enables www.money.it and its partners to communicate, optimize and serve advertisements based on the User’s past use of www.money.it.
This activity is facilitated by tracking Usage Data and using Tracking Tools to collect information that is then transferred to partners that handle remarketing and behavioral targeting activities.
Some services offer an email list-based remarketing option.
In addition to the opt-out features offered by the services below, Users may opt-out by visiting the Network Advertising Initiative opt-out page.

Users can also opt-out of certain advertising features through corresponding device configuration options, such as mobile device advertising configuration options or generic advertising configuration.

Google Ad Manager Audience Extension (Google Inc.)

Google Ad Manager Audience Extension is a remarketing and behavioral targeting service provided by Google LLC that tracks visitors to www.money.it and allows selected advertising partners to show them personalized ads within the web.

Personal Data Processed: Cookies; Usage Data.

Place of processing: USA - Privacy Policy - Opt Out.

Criteo Dynamic Retargeting (Criteo SA).

Criteo Dynamic Retargeting is a remarketing and behavioral targeting service provided by Criteo SA. that connects www.money.it’s business with the Criteo advertising network.

Personal Data Processed: Cookies; Usage Data.

Place of processing: France - Privacy Policy - Opt Out.

Statistics

The services contained in this section allow the Data Controller to monitor and analyze traffic data and serve to track User behavior.

Google Analytics (Google Inc.)

Google Analytics is a web analytics service provided by Google Inc. ("Google"). Google uses the Personal Data collected for the purpose of tracking and examining the use of www.money.it, compiling reports and sharing them with other services developed by Google.
Google may use Personal Data to contextualize and personalize ads in its advertising network.

Personal Data Processed: Cookies; Usage Data.

Place of processing: USA - Privacy Policy - Opt Out.

ComScore Analytics (ComScore, Inc.)

ComScore is a statistics service provided by ComScore, Inc.

Personal Data Processed: Cookies; Usage Data.

Place of processing: USA - Privacy Policy.

Displaying content from external platforms

This type of service allows to display content hosted on external platforms directly from the pages of www.money.it and interact with them.
In the event that a service of this type is installed, it is possible that, even if Users do not use the service, it will collect traffic data related to the pages where it is installed.

YouTube Video Widget (Google Inc.)

YouTube is a video content display service operated by Google Inc. that allows www.money.it to integrate such content within its pages.

Personal Data Processed: Cookies; Usage Data.

Place of processing: USA - Privacy Policy.

Google Fonts (Google Inc.)

Google Fonts is a font style display service operated by Google LLC or Google Ireland Limited, depending on how the Data Controller manages the processing of the Data, which allows www.money.it to integrate such content within its pages.

Personal Data processed: Usage Data; various types of Data as specified by the privacy policy of the service.

Place of processing: USA - Privacy Policy.

Information on how to turn off interest-based advertisements
In addition to any opt-out features provided by any of the services listed in this document, Users can read more about how to turn off interest-based advertisements in the appropriate section of the Cookie Policy.

More information about the processing of Personal Data
Push Notifications
www.money.it may send push notifications to the User.

Cookie Policy

www.money.it makes use of Tracking Tools. To learn more, Users may consult the Cookie Policy.

More information for Users

Legal Basis for Processing

The Controller processes Personal Data related to the User in case one of the following conditions exists:

the User has given consent for one or more specific purposes; Note: In some jurisdictions, the Controller may be authorized to process Personal Data without the need for the User’s consent or another of the legal bases specified below, as long as the User does not object ("opt-out") to such processing. However, this does not apply if the processing of Personal Data is governed by European legislation on the protection of Personal Data;
the processing is necessary for the performance of a contract with the User and/or the performance of pre-contractual measures;
the processing is necessary for the performance of a legal obligation to which the Controller is subject;
processing is necessary for the performance of a task of public interest or the exercise of public authority vested in the Controller;
the processing is necessary for the pursuit of the legitimate interest of the Controller or third parties.
However, it is always possible to ask the Data Controller to clarify the concrete legal basis of each processing and in particular to specify whether the processing is based on law, required by a contract or necessary to conclude a contract.

Additional information on retention time

Unless otherwise stated in this document, Personal Data is processed and stored for the time required by the purpose for which it was collected and may be stored for a longer period due to any legal obligations or based on Users’ consent.

Therefore:

Personal Data collected for purposes related to the performance of a contract between the Data Controller and the User will be retained until the performance of that contract is completed.
Personal Data collected for purposes related to the legitimate interest of the Data Controller will be retained until such interest is satisfied. The User may obtain further information regarding the legitimate interest pursued by the Controller in the relevant sections of this document or by contacting the Controller.
When processing is based on the User’s consent, the Data Controller may keep the Personal Data longer until such consent is revoked. In addition, the Controller may be required to retain Personal Data for a longer period in compliance with a legal obligation or by order of an authority.

At the end of the retention period, the Personal Data will be deleted. Therefore, at the expiration of this period the right of access, deletion, rectification and the right to Data portability can no longer be exercised.

User Rights

Users may exercise certain rights with respect to the Data processed by the Data Controller.

In particular, to the extent permitted by law, Users have the right to:

revoke consent at any time. The User may revoke the consent to the processing of its Personal Data previously expressed.
object to the processing of their Data. The User may object to the processing of its Data when it is done under a legal basis other than consent.
access to one’s own Data. The User has the right to obtain information on the Data processed by the Data Controller, on certain aspects of the processing and to receive a copy of the Data processed.
verify and request rectification. The User may verify the correctness of its Data and request that it be updated or corrected.
obtain restriction of processing. The User may request the limitation of the processing of its Data. In this case, the Data Controller will not process the Data for any purpose other than its preservation.
Obtain the deletion or removal of their Personal Data. The User may request the deletion of their Data by the Data Controller.
Receive their Data or have it transferred to another Data Controller. The User has the right to receive its Data in a structured, commonly used, machine-readable format and, where technically feasible, to have it transferred unimpeded to another data controller.
Propose Complaint. Users may propose a complaint to the competent data protection supervisory authority or take legal action.
Users have the right to obtain information regarding the legal basis for the transfer of Data abroad including to any international organization governed by international law or formed by two or more countries, such as the UN, as well as regarding the security measures taken by the Data Controller to protect their Data.

Details about the right to object

When Personal Data are processed in the public interest, in the exercise of public powers vested in the Data Controller or in pursuit of a legitimate interest of the Data Controller, Users have the right to object to the processing for reasons related to their particular situation.

Users should note that if their Data were processed for direct marketing purposes, they may object to the processing at any time, free of charge and without providing any reasons. If Users object to processing for direct marketing purposes, Personal Data are no longer processed for such purposes. To find out whether the Data Controller processes Data for direct marketing purposes, Users may refer to the respective sections of this document.

How to Exercise Rights

To exercise their rights, Users may address a request to the Controller’s contact details set out in this document. The request may be filed free of charge and the Holder will respond as soon as possible, in any case within one month, providing the User with all the information required by law. Any rectification, deletion or restriction of processing will be communicated by the Controller to each of the recipients, if any, to whom the Personal Data has been transmitted, unless this proves impossible or involves a disproportionate effort. The Data Controller shall notify the User of such recipients if the User so requests.

Further information on the processing

Defense in Court

The User’s Personal Data may be used by the Owner in court or in the preparatory stages of its possible establishment for the defense against abuse in the use of www.money.it or related Services by the User.
The User declares that he/she is aware that the Data Controller may be obliged to disclose the Data by order of public authorities.

Specific disclosures

Upon the User’s request, in addition to the information contained in this privacy policy, www.money.it may provide the User with additional and contextual disclosures regarding specific Services, or the collection and processing of Personal Data.

System logs and maintenance

For operation and maintenance purposes, www.money.it and any third-party services it uses may collect system logs, which are files that record interactions and may also contain Personal Data, such as the User’s IP address.

Information not contained in this policy

Further information in relation to the processing of Personal Data may be requested at any time from the Data Controller using the contact details.

Changes to this privacy policy

The Data Controller reserves the right to make changes to this privacy policy at any time by notifying Users on this page and, if possible, on www.money.it as well as, if technically and legally feasible, by sending a notification to Users through one of the contact details it has. Therefore, please consult this page frequently, referring to the date of last modification indicated at the bottom.

Where changes affect processing whose legal basis is consent, the Controller will re-collect the User’s consent as necessary.

Definitions and legal references

Personal Data (or Data).

Personal Data is any information that, directly or indirectly, including in connection with any other information, including a personal identification number, makes a natural person identified or identifiable.

Usage Data

This is the information collected automatically through www.money.it (including by third party applications integrated into www.money.it), including: the IP addresses or domain names of the computers used by the User who connects with www.money.it, the addresses in URI (Uniform Resource Identifier) notation, the time of the request, the method used in forwarding the request to the server, the size of the file obtained in response, the numerical code indicating the status of the response from the server (successful, error, etc.. ) the country of origin, the characteristics of the browser and operating system used by the visitor, the various temporal connotations of the visit (e.g. the length of time spent on each page) and the details of the itinerary followed within the Application, with particular reference to the sequence of pages consulted, the parameters relating to the User’s operating system and computer environment.

User

The individual who uses www.money.it which, except where otherwise specified, coincides with the Data Subject.

Data Subject

The natural person to whom the Personal Data refers.

Data Controller (or Processor).

The natural person, legal entity, public administration and any other entity that processes Personal Data on behalf of the Data Controller, as set out in this privacy policy.

Data Controller (or Controller)

The natural or legal person, public authority, service or other body which, individually or jointly with others, determines the purposes and means of the processing of personal data and the instruments adopted, including the security measures relating to the operation and use of www.money.it. The Data Controller, unless otherwise specified, is the owner of www.money.it.

www.money.it (or this Application)

The hardware or software tool by which Users’ Personal Data are collected and processed.

Service

The Service provided by www.money.it as defined in the relevant terms (if any) on this site/application.

European Union (or EU).

Unless otherwise specified, any reference to the European Union in this document shall be deemed to extend to all current member states of the European Union and the European Economic Area.

Cookies

Cookies are Tracking Tools that consist of small portions of data stored within the User’s browser.

Tracking Tool

Tracking Tool means any technology - e.g., Cookies, unique identifiers, web beacons, embedded scripts, e-tags, and fingerprinting - that enables tracking of Users, for example, by collecting or storing information on the User’s device.

Legal references

Unless otherwise specified, this privacy policy covers www.money.it only.

Last modified: 9 October 2023