Privacy policy

Last updated: 22 November 2022

The American Expat Finance News Journal (AXFNJ) was co-founded and is run by Helen Burggraf, an American expatriate based in London, who writes and edits almost all of its content.

Helen Burggraf and the AXFNJ respect their readers’ right to privacy.

This Privacy Policy Notice is designed to explain who we are; how we collect, share and use personal information about our readers; and how they can, if desired, exercise their privacy rights.

This Privacy Policy Notice only applies to personal information that we collect through the website, at www.americanexpatfinance.com (“the website”).

The data controller of such personal information of the AXFNJ’s readers is, in most circumstances, Ms. Burggraf.

Anyone with questions or concerns about the AXFNJ’s use of their personal information is urged to contact us, using the contact details provided at the bottom of this Privacy Policy Notice.

What personal information about its readers the AXFNJ collects, and why

The AXFNJ publishes news and features about financial, savings, tax and citizenship topics presumed to be of interest to a global American expatriate audience.

(For more information about us, please see the "About" section of our website at https://americanexpatfinance.com/about-american-expat-financial-news-journal )

The personal information that the AXFNJ may collect about its readers broadly falls into one or more of the following categories:

• Information that readers provide voluntarily:

The AXFNJ’s “contact page" page allows visitors to the site to provide information to us, including their names and email addresses, so that we can, in turn, provide them with, for example, regular news bulletins.

Readers may also choose to include personal information in their message that they submit to us, but this is not required.

• Information that readers provide voluntarily when subscribing to the (usually weekly) news bulletins

• Information that we collect automatically:

When readers visit the AXFNJ website, we automatically collect certain information from their devices. In some countries, including countries in the European Economic Area, this information may be considered personal information under applicable data protection laws.

Specifically, the information we collect automatically may include such data as a reader’s IP address; general device type; unique device identification numbers; browser-type; general geographic location (e.g., their country, city or town), and/or other technical information.

We may also collect information about how a reader’s device has interacted with the website, including whether a specific reader may have visited before, the pages that they accessed, and the links that they clicked.

Collecting this information enables us to better understand our readers, where they come from, and which of our content is of the greatest interest to them (and which is not).

Like other online publishers, we use this information for internal analytics purposes, and to constantly work to improve the quality and relevance of the AXFNJ website for those who visit it.

Some of this information may be collected using cookies and similar tracking technology, (as we explain further below, under the the heading "Cookies and similar tracking technology").

Who the AXFNJ may (but doesn’t always) share its readers’ personal information with

We may disclose readers’ personal information to the following categories of recipients:

(i) to third party service providers and partners who provide data processing services to us (for example, to support the delivery of, provide functionality on, or help to enhance the security of the website), or who otherwise process personal information for purposes that are described in this Privacy Policy Notice;

(ii) to any competent law enforcement body, regulatory, government agency, court or other third party, if there a reason has arisen to believe such disclosure is necessary

(for example: (a) as a matter of applicable law or regulation; or

(b) to exercise, establish or defend our legal rights);

(iii) to an actual or potential buyer (and its agents and advisers, should it have any) in connection with any actual or proposed purchase, merger or acquisition of any part of our business; or

(iv) other persons, should a situation arise in which we have a legitimate reason to do so, and in which we are otherwise permitted to do so by law.

The legal basis under which any personal
information processing takes place

Our legal basis for collecting and using the personal information described above will depend on the personal information concerned, and the specific context in which we collect it.

However, we will normally collect personal information from readers and visitors to the website only in situations in which the processing of this information is in our legitimate interest (such as our interest in improving the content we provide on our website), and when these legitimate interests are not overridden by our readers/visitors’ own rights; or, where we have these readers/visitors’ consent to do so.

In some cases, we may also have a legal obligation to collect personal information from our readers, or may otherwise need such personal information to protect these readers’ vital interests, or those of another person.

Cookies and similar
tracking technology

Like all news websites and similar entities, we use cookies and similar tracking technology (collectively, "cookies") to collect and use personal information about our readers.

For further information about the types of cookies we use, why, and how readers can control such cookies, please see our Cookie Policy: https://americanexpatfinance.com/cookie-policy.

International data transfers

The personal information of our readers may be transferred to, and processed in, countries other than the country in which these readers happen to be resident. And, these countries may have data protection laws that are different from the laws of the company in which a particular reader is living.

Specifically, our website servers are located in the EU and the U.S.

Whenever we transfer your personal data out of the European Economic Area, we ensure there are appropriate safeguards to require that it will remain protected, in accordance with this Privacy Policy Notice.

These safeguards include, but are not limited to, the European Commission’s Standard Contractual Clauses.

Data retention

We retain certain personal information that we collect from our readers in certain situations, in which we have an ongoing legitimate business need to do so (for example, to enable us to provide such readers with a service they may have requested, or in order to comply with applicable legal, tax or accounting requirements).

When we have no ongoing legitimate business need to process readers’ personal information, we will either delete or anonymize it; or, if this is not possible – for example, because this personal information has been stored in back-up archives – then we will securely store it, and isolate it, from any further processing, until deletion is possible.

Our readers’ data protection rights

Where EU privacy rules apply, our readers have the following rights in relation to their personal information:

(i) to access, correct, update or request deletion of it;

(ii) to object to processing of your personal information;

(iii) to ask us to restrict processing of it;

(iv) to request portability of it; and

(v) to opt-out of marketing communications.

Readers may exercise these rights by contacting us, using the contact details provided below.

Readers also have the right to complain to a data protection authority about our collection and use of their personal information.

For more information about this, please contact your local data protection authority.

Note: Anyone who has any concerns or complaints about the way they believe we are making use of their information, please contact us, using the contact details at the bottom of this Privacy Notice, and we will do our best to resolve the issue.

Updates to this Privacy Policy Notice

We may update this Privacy Policy Notice from time to time, in response to changing legal, technical or business developments. When we update our Privacy Policy Notice, we will take appropriate measures to inform our readers that we have done so, in a manner that's consistent with the significance of the changes we make.

We will also endevour to obtain our readers' consent to any material Privacy Policy Notice changes if and where this is required by applicable data protection laws.

Readers may see when this Privacy Policy Notice was last updated by checking the "last updated" date displayed at the top of this Privacy Policy Notice.

Those readers who might still have questions or concerns about our use of their personal information are urged to contact us directly, using the following details: This email address is being protected from spambots. You need JavaScript enabled to view it..