1. Introduction
This Privacy Policy explains how Soulofcroatiasailing ("we", "us" or "our") collects, uses and protects information about visitors to soulofcroatiasailing.com (the "Site"). Our Site is an independent educational resource explaining how Spectra Credit Union works. We do not provide financial services and we do not open or operate any accounts on behalf of readers.
By accessing or using the Site you confirm that you have read and understood this policy. If you do not agree, please stop using the Site.
2. Information we collect
We collect only the minimum information needed to operate the Site and to respond to messages you choose to send us.
- Information you provide. When you use the contact form we collect your name, email address and the content of your message.
- Technical information. Standard server logs may record your IP address, browser type, referrer and pages visited. Logs are used for security and aggregate statistics.
- Cookies & local storage. Small files placed on your device to remember preferences (such as your cookie-consent choice). See the Cookie Policy for full detail.
We do not knowingly collect financial information, government identifiers, health data or any other sensitive category.
3. How we use information
We use the limited information described above to:
- Respond to your enquiries and provide editorial replies.
- Operate, maintain and improve the Site and its content.
- Detect, prevent and respond to abuse, fraud or security incidents.
- Comply with applicable laws and lawful requests.
We do not sell personal information, and we do not share it for cross-context behavioural advertising.
4. Cookies and similar technologies
soulofcroatiasailing.com uses a small number of cookies and uses browser localStorage to remember your cookie-consent choice. A cookie banner appears on first visit so you can decide whether to accept. Please review our Cookie Policy for more information about each category of cookie we use.
5. Third-party services
We rely on a small number of third-party services to deliver this site. These include:
- Google Fonts — to render the Inter typeface.
- unpkg.com — to deliver the AOS animation library.
- Unsplash — to display royalty-free editorial photography.
- Our hosting provider — to keep the Site available.
These providers may receive your IP address as part of the normal operation of the web. We do not pass them additional personal data.
6. Data retention
We keep contact-form messages for as long as needed to reply to you and to keep a reasonable record of correspondence, typically no longer than 24 months. Server logs are rotated on a short schedule (usually less than 90 days).
7. Your rights
Depending on where you live, you may have rights under applicable data-protection law, including the right to access, correct, delete or restrict the use of your personal data, and the right to lodge a complaint with a regulator. To exercise a right, email us at info@soulofcroatiasailing.com.
8. Children's privacy
Although our content discusses youth-focused programs such as the Spectra Credit Union Brilliant Kids Savings account, the Site is intended for adult readers (parents, guardians and educators). We do not knowingly collect personal information from children under the age of 13. If you believe a child has sent us information, please contact us so we can delete it.
9. Security
We apply reasonable technical and organisational measures (encrypted transport, access controls, regular backups) to protect the information we hold. No method of online transmission is 100% secure, so we cannot guarantee absolute security.
10. Changes to this policy
We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date at the top of the page. Material changes will be highlighted on the home page for at least 30 days.
11. Contact us
Questions about this policy? Reach out:
- Email: info@soulofcroatiasailing.com
- Phone: +1 (646) 372-8418
- Address: 1242 East 53rd Street, Brooklyn, NY 11234, USA