Last updated on May 8, 2026.
Introduction and Overview
UnderstandFunds is operated by ActiveView OÜ, a company registered in Estonia (Registration Code: 16639782), located at Kotkapoja tn 2a-10, Tallinn 10615, Harju, Estonia. For data protection purposes, ActiveView OÜ acts as the “Data Controller” of your personal information.
UnderstandFunds provides informational content on technology, finance, and general tips (such as gaming and house rentals), with a focus on the United States. On our website https://understandfunds.com/, you will find articles, guides, and tips aimed at informing and helping users better understand these topics.
Our content is purely informational, with no intention to promote or endorse any product, service, or company. Our commitment is to provide clear and unbiased information, always based on research and verified sources, so that our readers can make well-informed decisions on the subjects discussed.
We have no commercial ties with service providers or companies. All content is created with the intent to provide knowledge, with no commercial promotional intent. The information shared is always independent and editorially reviewed.
Your Privacy is Important to Us
We value your trust and understand the importance of your personal data. This Privacy Policy explains how we collect, store, use, and protect your personal information when you visit or interact with UnderstandFunds.
Our commitment to privacy is guided by transparency and respect for your rights. We comply with applicable data protection laws and strive to provide full clarity on what data we collect, how we use it, and how you can maintain control over your personal information.
We recommend that you read this policy carefully. If you have any questions or concerns about the management of your data, you can contact us through the link https://understandfunds.com/contact.
Scope of the Privacy Policy
This policy applies to the use of the website https://understandfunds.com/ and all content hosted on our platform, including articles, guides, tutorials, and reviews on technology, finance, and general tips.
Whether you are a user exploring technology-related topics, seeking information on finance, or looking for practical advice, this Privacy Policy clarifies how your data is collected and processed during your visit to our website.
It is important to note that this policy applies solely to UnderstandFunds. If you follow links to third-party websites or platforms mentioned in our articles, we recommend that you review the privacy policies of those platforms, as they may have different practices for data collection and usage. We are not responsible for the privacy practices of external websites.
Consent
By using UnderstandFunds and interacting with any of its features, you confirm that you have read, understood, and agreed to the practices outlined in this Privacy Policy.
Accessing our articles, reading guides, or browsing any content on our website implies your acceptance of these terms. If you disagree with the way we collect or manage your information, we recommend that you stop using the platform.
Continued use of the site will be treated as your consent to the data processing practices described in this policy. For more information about your rights and responsibilities as a reader, please refer to our Terms of Use.
AI-Generated Content
To enhance the accuracy, clarity, and consistency of our content, UnderstandFunds may use AI-based tools in a limited and supporting manner during the editorial process. These tools assist in creating article drafts, improving readability, and maintaining a balanced tone, especially on technical topics such as technology terminology, finance, and general tips.
However, AI does not replace human work. Each article published on our site is written, reviewed, and approved by a human editor. Our team ensures that each tutorial, comparison, or guide remains accurate, practical, and appropriate for real readers seeking clear information on the topics covered.
We use AI solely to improve editorial efficiency, never to generate complete articles or decide which topics should be published. All insights, examples, and editorial decisions reflect human judgment, verified sources, and a strong commitment to providing useful, reader-focused content.
If you are curious about how we use AI tools or would like to know more about our editorial process, you can contact us through our Contact Page. At UnderstandFunds, we use technology responsibly and transparently, always keeping trust, accuracy, and clarity at the heart of your reading experience.
I. Data Collection Practices
At UnderstandFunds, we adopt a responsible and transparent approach to data handling. We collect certain information to enhance the platform experience, protect user access, and offer relevant features. This data comes from three main sources: information you provide to us, data collected automatically from your device, and limited input from trusted third-party services.
A. INFORMATION YOU PROVIDE
You can access most of UnderstandFunds without providing personal data. However, some features, such as subscriptions, notifications, or interactive tools, may request you to provide basic information.
When using these features, you may be asked to provide your name, email, phone number, or general location. This information helps us verify your access, deliver requested updates, or personalize parts of your experience.
If you contact us via a support form, participate in surveys, or provide feedback, we will use this information solely to respond to or improve the platform. Your participation helps us adjust content and ensure more efficient support.
B. AUTOMATICALLY COLLECTED INFORMATION
When you browse UnderstandFunds, we automatically collect technical data that helps us maintain and improve the site. This includes your IP address, browser type, device information, access date and time, and how you navigate through our pages.
This data is collected through tools like cookies, log files, and web analytics. It helps us monitor site performance, troubleshoot errors, and understand user behavior, such as which articles are most read or how long visitors stay on certain pages.
We use cookies and web beacons to remember your preferences and optimize your experience. For example, these tools may help us display content similar to what you recently viewed or track performance across different browsers.
Consent for Cookies and Tracking Technologies
In compliance with the European Union’s General Data Protection Regulation (GDPR), UnderstandFunds requests your explicit consent before using tracking and advertising cookies on our website. Upon accessing our site, a banner will appear asking for your permission to use cookies.
You can choose to accept or decline cookies from specific categories, such as essential, analytical, and advertising cookies. No tracking or advertising cookies will be activated until you provide consent.
Until you accept cookies, we will automatically block all non-essential cookies, such as advertising and tracking cookies. Only cookies essential for the site’s operation, such as those used for security and basic performance, will be activated before your consent.
You can manage your cookie preferences at any time. To customize your choices, click the “Manage Cookies” link in the footer of our site, where you can enable or disable different types of cookies as you wish. Please note that disabling certain cookies may affect the site’s functionality and your browsing experience.
Withdrawal of Consent
You have the right to withdraw your consent for the use of cookies at any time. To revoke consent, simply visit the “Manage Cookies” link available in the footer of the site and uncheck the categories of cookies you do not wish to allow. Withdrawing consent will not affect the legality of the processing conducted before the withdrawal.
C. THIRD-PARTY INFORMATION
We may partner with external advertising and analytics providers to support our content and platform operations. These third parties may use tracking tools, such as cookies or pixels, on our pages to collect anonymized data, such as browser type, visit time, general location, or interactions with ads.
This helps us measure engagement and display broadly relevant ads to users. Although these technologies operate within our site, the collected data is managed according to each provider’s privacy terms.
We do not share your personal information directly with advertisers, nor do we control how they handle data after collection. Clicking on an ad does not create any type of relationship between you and third parties.
Google, as a third-party provider, uses cookies to display ads on this site. By using the DART cookie, Google can display ads to you based on your visits to UnderstandFunds and other websites on the Internet. We inform you that third parties, including Google, use cookies to serve ads based on your prior visits to this website or other websites. You can disable the DART cookie and manage personalized advertising by visiting Google Ads Settings or visiting the site www.aboutads.info to opt-out of third-party advertising cookies.
This Privacy Policy applies only to data collected by UnderstandFunds and does not extend to external services.
II. SMS Notifications and User Consent
A. CONSENT AUTHORIZATION
UnderstandFunds is committed to responsible and transparent communication, in compliance with applicable laws, including the EU’s GDPR, the Telephone Consumer Protection Act (TCPA) of the United States, and equivalent legislation in Brazil, such as the General Data Protection Law (LGPD – Law 13.709/2018) and the Consumer Defense Code (Law 8.078/1990).
If you voluntarily provide your phone number via a form, survey, or interactive feature on our website, you may receive the option to receive SMS updates from UnderstandFunds. Any such invitation will include clear language and a checkbox or similar method to confirm your consent. We will always explain what types of messages you may receive before you agree to participate.
By opting in, you authorize UnderstandFunds to send occasional SMS messages to the provided number. These messages may include platform updates, relevant service alerts, or promotional content related to our editorial publications. Participation is entirely optional. You are not required to provide your phone number or consent to SMS communications to access or use any part of our site.
B. UNSUBSCRIBE FROM SMS MESSAGES
You can unsubscribe from receiving SMS messages at any time. To unsubscribe, simply reply to any message with the word “STOP.” After receiving this request, we will immediately remove your number from our messaging list.
If you prefer to update your communication preferences by another method, you can contact us directly via https://understandfunds.com/contact. Our team will respond to your request as quickly as possible and ensure your preferences are updated as requested.
UnderstandFunds is committed to respecting your communication choices. Our goal is to ensure that all interactions are respectful, permission-based, and in alignment with relevant privacy and consumer protection standards. Your consent, as well as the ability to revoke it at any time, will always be a priority.
III. Purpose and Use of Collected Information
UnderstandFunds collects user data with a clear purpose: to create a secure, functional, and relevant experience for each visitor. Each type of information collected serves a specific role in improving the platform, enhancing usability, and maintaining a protected environment, always with respect for your privacy.
3.1 Maintenance of Technical Performance
We use technical data to ensure that the platform works correctly across all devices. Information such as browser type, screen size, and loading time helps us identify errors, fix glitches, and improve overall functionality. This allows us to offer a faster and more reliable experience.
3.2 Personalization of User Experience
User activity helps shape your experience in a meaningful way. By understanding how visitors interact with content, we can adjust layouts, suggest helpful features, and organize tools in ways that feel familiar and practical.
3.3 Understanding Engagement and Behavior
Metrics such as time spent on a page, click patterns, or content popularity guide our improvements. This information shows what works, where users drop off in navigation, and how we can present information more clearly.
3.4 Enhancement of Features and Services
User feedback and site data help us improve existing tools and introduce new features. Whether through updated layouts, search filters, or entirely new functions, all improvements are based on real interactions and evolving needs.
3.5 Responding to Requests and Feedback
When you contact us, the details provided allow us to respond effectively. This includes resolving technical issues, addressing account-related concerns, or simply acknowledging a suggestion. We may also follow up to ensure everything has been resolved.
3.6 Sending Platform Updates and Emails
If you have subscribed to our email list, we may send updates, highlights, or announcements aligned with your preferences. All messages include an option to unsubscribe or manage your communication settings at any time.
3.7 Enhancing Security and Preventing Misuse
The data we collect helps us detect suspicious behavior, prevent unauthorized access, and respond to potential threats. We use monitoring and activity tracking systems to maintain a safe space for all users.
Our use of data is guided by principles of fairness, privacy, and accountability. We continuously review our practices to keep up with technological advancements and maintain the trust of everyone who visits our platform.
Cookie Policy
This Cookie Policy explains how cookies are used on the UnderstandFunds website (https://understandfunds.com), what types of data they collect, and how they contribute to your experience. It also describes your options regarding cookie usage and the potential impact of restricting them.
Understanding Cookies
Cookies are small text files stored on your device when you visit a website. They help platforms remember your activities and preferences. Like many modern websites, UnderstandFunds uses cookies to improve site functionality, personalize the experience, and support platform performance.
Cookies help us to:
- Recognize returning visitors and retain their settings;
- Improve navigation and page responsiveness;
- Analyze how the platform is used to guide improvements.
They also contribute to security by detecting suspicious behavior and preserving data integrity. Additionally, advertising cookies help display content that reflects users’ general interests and browsing patterns.
Cookies can be managed through your browser settings. Restricting certain cookies may affect site performance or limit the functionality of some features.
How We Use Cookies
The cookies used on UnderstandFunds fall into several categories:
Essential Cookies
These support basic website operations. They ensure that pages load correctly, enable secure logins, and keep platform functions running as expected. Without these cookies, essential features may not be available.
Preference Cookies
These remember user settings, such as language or layout. They help personalize the interface and make return visits more convenient.
Analytics Cookies
These collect information about how visitors interact with content. We use this data to improve site structure, enhance features, and identify technical issues that may affect usability.
Security Cookies
These help monitor activities, protect user accounts, and respond to irregular behaviors. These tools play a key role in maintaining a secure browsing environment.
Advertising Cookies
These allow for the display of more relevant promotional content. Third parties, including Google, use cookies to serve ads based on previous user visits to this website or other websites. By using advertising cookies, Google and its partners can display ads to users based on visits to their sites and/or other sites on the internet. You can opt-out of personalized advertising by visiting Google Ads Settings or accessing www.aboutads.info.
Managing or Disabling Cookies
Most browsers allow users to review, block, or remove cookies at any time. Disabling essential cookies may limit access to certain site functions, while blocking preference cookies may prevent the site from remembering your settings.
Choosing to limit analytics cookies may reduce the accuracy of platform performance improvements. Blocking advertising cookies will not eliminate ads entirely, but may result in less relevant suggestions.
To adjust your preferences, consult your browser’s help section for detailed instructions. Understanding how cookies work allows you to control your experience while keeping essential features available on UnderstandFunds.
The Cookies We Use
Cookies help provide a smooth, secure, and personalized experience on UnderstandFunds. Below is a description of the types of cookies we use and how they function.
Account and Login Cookies
These cookies assist with registration processes, login sessions, and account recognition. They help keep you logged in during your browsing session and remember certain preferences associated with your profile. Most session cookies are removed when you log out, but some may remain to preserve settings for your next visit.
Email Subscription Cookies
If you subscribe to our newsletter or email updates, cookies help manage your subscription preferences. They allow us to adjust content delivery based on previous interactions and ensure you receive messages aligned with your engagement level.
Survey and Form Submission Cookies
When participating in surveys or submitting forms, cookies help prevent duplicates and temporarily store entered data. This avoids duplicate submissions and saves time by remembering details you’ve already provided when applicable.
Personalization Cookies
These cookies store interface settings, such as display mode, language selection, or layout preferences. By remembering your choices, the site offers a more consistent and personalized browsing experience whenever you return.
Third-Party Provider Cookies
We work with third-party services to support site performance, gather analytics, and manage advertising. These providers may set their own cookies within our platform to perform specific functions.
Analytics and Performance Cookies
Cookies from tools like Google Analytics collect anonymous data about site usage. This includes time spent on pages, site navigation, and general behavioral trends. These insights help us identify what is working well and where improvements can be made. You can learn more about how Google uses these cookies by accessing its official resources.
Testing and Development Cookies
During updates or feature testing, temporary cookies monitor performance and user response. This ensures that new tools function correctly and do not negatively impact the browsing experience.
Advertising Cookies
Cookies used by advertising partners, such as Google, display content based on general interests and browsing behavior (previous visits). They also help measure the performance of ad campaigns. Google’s use of the DART cookie allows it and its partners to serve ads to users based on visits to this and/or other websites in the network. Users can control ad preferences or opt-out of this feature through Google Ads Settings or directly on www.aboutads.info.
How to Block Cookies
You can control your cookie settings directly in your browser. Most browsers offer tools to review, block, or delete cookies as needed. For detailed steps, refer to the official support pages of:
Disabling cookies may affect the functioning of certain parts of the site. For example, you may lose access to saved settings, login sessions, or personalized recommendations. Blocking advertising cookies will not remove ads entirely, but it may make them less relevant.
Understanding how cookies work allows you to make informed decisions and personalize your experience on UnderstandFunds while maintaining control over your data.
IV. Commitment to Data Protection
At UnderstandFunds, the protection of our users’ information is a priority. We do not sell, rent, or trade your personal data under any circumstances. In some cases, we may share anonymized or aggregated data with trusted partners to improve platform performance, develop new features, or better understand general usage trends. This sharing does not reveal any personal identity.
Users have the option to opt-out of this anonymous data usage at any time. If you wish to manage your preferences or learn more about your options, please contact us through our form.
To protect personal data, we use a combination of robust security practices. This includes encrypted connections for data transfers, restricted internal access based on roles, and monitoring tools to detect unusual or unauthorized activities. Our systems are regularly reviewed, and we conduct audits to strengthen protection and address potential vulnerabilities.
While we take all reasonable measures to keep our platform secure, no online system is completely risk-free. If any unauthorized incident occurs, UnderstandFunds will act quickly to contain the issue, restore security, and follow all necessary notification procedures. If your data is affected, you will be promptly informed, along with guidance on how to protect your information.
For us, protecting user privacy goes beyond technical measures. It reflects the trust placed in our platform. We remain committed to building and maintaining a secure, respectful, and transparent environment for everyone visiting UnderstandFunds.
V. Exercising Your Privacy Rights
5.1 Understanding Your Rights
At UnderstandFunds, we believe everyone has the right to know how their personal information is used and to make decisions regarding it. Whether you browse anonymously or interact more actively with our platform, you have the right to access, review, or request changes to the information we hold about you.
In some cases, you may also ask us to limit the use of your data or request its permanent deletion. While we aim to accommodate all requests, there may be situations where we are required to retain certain records for legal, administrative, or security reasons.
We provide tools and support to help you manage your privacy preferences. Our goal is not only to comply with legal requirements but also to give users clear control over how their data is handled.
5.2 Our Data Retention Practices
We retain personal data only for as long as necessary to fulfill its original purpose. This includes ensuring the functionality of the site, delivering content, addressing support requests, maintaining security, and improving overall performance.
For example, we may retain your contact information to respond to previous messages or follow up on unresolved issues. Technical data related to performance and security may be temporarily stored to help detect future issues. When information is no longer useful, it is deleted or anonymized so that it cannot be linked back to you.
If you wish to remove your data, you can submit a request via our contact page at https://understandfunds.com/contact. We will process your request promptly and inform you when the removal is completed or if any information needs to be retained temporarily for legal or operational reasons.
At UnderstandFunds, we take privacy seriously. Our data handling processes are designed to protect users’ rights, promote transparency, and ensure that your information is managed responsibly from start to finish.
VI. Compliance with GDPR and Global Privacy Rights
6.1 Governance under GDPR and Estonian Laws (European Union)
As our company is based in Estonia, we process all personal data in accordance with the General Data Protection Regulation (GDPR) and the Estonian Personal Data Protection Act (Isikuandmete kaitse seadus), ensuring the highest standards of privacy and legal security.
6.2 Legal Basis for Processing
We process your data based on the following legal grounds:
- Consent: When you choose to receive newsletters or accept cookies.
- Legitimate Interest: To ensure website security, prevent fraud, and improve our services (e.g., through analytics).
- Legal Obligation: To comply with Estonian or European Union laws.
6.3 International Data Transfers
It is important to note that your personal data may be transferred to, stored, and processed in Estonia (European Union), where our central operations are located. By using our services, you acknowledge that your information may be transferred internationally. We ensure that such transfers are protected by appropriate safeguards in compliance with European Union standards.
6.4 Global Rights (Brazil/LGPD, Canada, and Others)
Although this policy is designed to comply with GDPR, UnderstandFunds extends these high privacy rights standards to all users globally.
- For users in Brazil (LGPD): You have the right to confirm the existence of processing, access data, correct incomplete data, and withdraw consent. You can exercise these rights through our contact form.
- For users in other jurisdictions: We honor your right to access, correct, delete, or export your data, regardless of your location.
VII. Data Protection in the United States
California Privacy Laws – CCPA and CPRA
If you reside in California, your personal information is protected by the California Consumer Privacy Act (CCPA) and the expanded California Privacy Rights Act (CPRA), effective since 2023.
These laws cover businesses that collect information through cookies, analytics tools, or advertising platforms, even when data such as IP addresses or user behavior is collected indirectly.
Your rights under CCPA/CPRA:
- Know what types of personal information we collect and why we collect it.
- Request the deletion of your personal information from our systems.
- Correct inaccurate or outdated data.
- Opt-out of sharing or selling personal information, particularly in third-party advertising.
- Limit the use of sensitive personal information.
- Request a portable copy of your data in an accessible format.
To comply with these laws, UnderstandFunds provides a transparent privacy notice, accessible cookie management tools, and a dedicated process to help California users exercise these rights. We also fulfill privacy requests submitted through the browser when required by law and apply strict internal procedures to ensure security in the deletion and access to personal data.
Virginia Consumer Data Protection Act (VCDPA)
The Virginia Consumer Data Protection Act (VCDPA) ensures that Virginia residents have access to clear information about how their data is collected, used, and stored by websites and online services.
The law applies to any processing or sharing of personal data, including behavioral information collected for analytics or marketing actions.
Your rights under VCDPA:
- Access your personal data and verify if it is being processed.
- Correct errors or outdated information.
- Request the deletion of data that is no longer necessary.
- Opt-out of targeted ads, data sales, or algorithm-based profiling.
- Obtain an exportable and portable version of your personal information.
At UnderstandFunds, we comply with these rights by clearly explaining how data is used, collecting only what is necessary, and allowing users to opt-out of behavioral tracking where applicable. Requests can be submitted through our contact page, and we are committed to responding within the timeframes required by Virginia law.
Colorado Privacy Act (CPA)
The Colorado Privacy Act (CPA) provides additional privacy rights to Colorado residents, particularly regarding the collection and processing of data through cookies, trackers, or analytics tools.
Even when data is collected indirectly, such as device identifiers or browsing patterns, the law requires users to have clear choices and control over how their information is used.
Your rights under CPA:
- View, modify, or delete your personal data at any time.
- Opt-out of behavioral ads or automated profiling.
- Receive a structured and usable export of your data.
- Use browser privacy settings (such as Global Privacy Control) to automatically opt-out of deletions.
At UnderstandFunds, we respect these rights by handling requests through the browser, limiting data collection to essential information, and offering clear explanations of how and why we use this data. Users can manage cookies and adjust privacy preferences through easily accessible tools on the site.
Children’s Online Privacy Protection Act (COPPA)
The Children’s Online Privacy Protection Act (COPPA) is a federal law created to protect personal information of children under 13 years old. It applies to digital platforms that target content to children or knowingly collect data from users in this age group.
UnderstandFunds does not intentionally collect personal data from children under 13 years old. However, whenever we offer content that may attract younger users, we take all necessary measures to ensure compliance with COPPA.
Our commitments under COPPA:
- Obtain verified parental consent before collecting information from children under 13.
- Collect only the minimum necessary data and never more than essential.
- Allow parents or guardians to review, modify, or delete their child’s data upon request.
- Display clear and understandable privacy notices on any content aimed at children.
If you are a parent or legal guardian and suspect that your child’s information has been collected by UnderstandFunds without proper consent, we ask that you contact us immediately so we can investigate promptly and remove the data if necessary.
How We Maintain Compliance
To meet U.S. privacy laws, we maintain a system based on clarity, responsibility, and respect for the user. The types of data collected by UnderstandFunds are generally limited to functional and technical information, such as usage statistics, browser types, and interactions with platform content. However, we handle all data with a high level of protection.
Our commitment is to help you make informed decisions when visiting UnderstandFunds. If you have any questions about your data or would like to submit a privacy-related request, please contact us at: https://understandfunds.com/contact.
VIII. Future Adjustments to Our Privacy Policy
As UnderstandFunds develops new features, improves its systems, or adapts to technological changes, this Privacy Policy may be updated to reflect current practices. Updates may also be made to clarify our approach to data processing or respond to evolving privacy expectations.
Whenever this policy is revised, the most recent version will be published on this page. If the changes impact the way we use or manage your personal data, we will communicate these changes clearly so that you remain informed.
We recommend reviewing this page periodically to stay up to date. Continued use of the site after any update means you accept the revised terms. If at any point the changes no longer align with your preferences, you can choose to stop using the platform.
IX. Our Contact Information
If you have any questions about this Privacy Policy or how we manage personal data, you can contact us at any time through our form at
https://understandfunds.com/contact
Our team is ready to assist with any inquiries related to privacy, data use, or your rights as a user. Our commitment is to provide clear responses and prompt support to ensure that your information is treated with care and transparency.
ActiveView OÜ
Kotkapoja tn 2a-10, Tallinn 10615, Harju, Estonia
Registration Code : 16639782 | VAT: EE102590366
MINUTO VIP OÜ
Rua Rotermanni tn 14-32, Tallinn 10111, Harju, Estônia
Registration Code: 16698741