Effective date: October 29, 2026
This Privacy Policy explains what information Learn with Vinod (learnwithvinod.com) collects when you visit or use the website, why we collect it, who we share it with, and the choices you have.
Learn with Vinod is a personal finance blog run by Vinod Kumar (VSR Solutions), Bareta, Punjab, India. In this policy, “we”, “us” and “our” mean Learn with Vinod, and “you” means anyone who visits or uses the website.
We do not sell products or services on this website, and we never ask for payment details. This policy applies only to learnwithvinod.com. It does not apply to other websites we link to.
1. Information we collect
Information you give us
- Comments. When you leave a comment, we collect your name, email address, website (optional), the comment itself, your IP address and your browser’s user-agent string. A simple anti-spam check runs with the comment form. Your email address is never shown publicly.
- Account registration. If you create an account, we collect your username, full name, email address, password (stored in encrypted form), and the details asked for on the registration form: date of birth, time of birth, place of birth and mobile number. You can also log in and reset your password.
- Contacting us. If you email us or use our contact form, we collect your name, email address and anything you write in your message.
Information collected automatically
- Device and usage information. When you visit, our hosting provider and the tools described below receive your IP address, browser type, device type, operating system, language, the pages you view, the page that referred you, and the date and time of your visit.
- Approximate location. Your approximate location (such as country or city) can be worked out from your IP address. We do not collect precise GPS location.
- Cookies and browser storage. We and our partners use cookies and similar technologies. See section 3 for the full list.
We do not ask for, and do not want, sensitive information such as Social Security or other government ID numbers, bank account or card numbers, or health information. Please do not include these in comments or messages.
2. How we use information
We use the information described above to:
- run the website, show pages correctly and remember settings such as dark mode or your chosen language;
- publish and moderate comments, and block spam and abuse;
- create and manage member accounts, including logging in and resetting passwords;
- answer your messages;
- understand which articles are read and how people find them, so we can improve our content;
- count total visitors and post views (shown in the sidebar and in our “Popular Posts” list);
- show advertising that keeps the website free to read, and measure how ads perform;
- keep the website secure and comply with the law.
We do not use your information to make decisions about you that have legal or similarly significant effects.
3. Cookies and similar technologies
Cookies are small text files stored by your browser. Our website also uses your browser’s local storage, which works in a similar way. Some are needed for the site to work; others are used for statistics and advertising.
| Name | Set by | Purpose | How long it lasts |
|---|---|---|---|
| _ga, _ga_* | Google Analytics | Tells visits apart so we can count visitors and see which pages are read | Up to 2 years |
| __gads, __gpi | Google AdSense | Shows and measures ads, limits how often you see the same ad | Up to 13 months |
| __eoi | Google AdSense | Security and fraud prevention for ads | Up to 6 months |
| _gcl_au, _gcl_ls | Google Ads | Measures whether ads lead to visits | Up to 90 days |
| FCCDCF, FCNEC | Google consent message | Remembers your cookie choices (shown in the EEA, UK and Switzerland) | Up to 13 months |
| google_adsense_settings, google_ama_config (local storage) | Google AdSense | Stores ad display settings for this site | Until you clear your browser data |
| _tccl_visitor, _tccl_visit, _scc_session | GoDaddy (our host) | Website statistics and performance | From the end of your visit up to 1 year |
| PHPSESSID | This website | Keeps a session working while you browse, for example on forms | Ends when you close your browser |
| pvc_visits | Post Views Counter | Counts a post view only once per visitor | About 24 hours |
| wordpress_logged_in_*, wordpress_sec_* | WordPress | Keeps you logged in if you have an account | End of visit, or 14 days if you choose “Remember me” |
| comment_author_* | WordPress | Remembers your name and email for the next comment, only if you tick the box | 1 year |
| googtrans | Google Translate | Remembers the language you chose from the language menu | End of your visit |
| lwv-theme, lwv-cid, lwv-visit-day, lwv-viewed (local storage); lwv-seen (session storage) | This website | Remembers dark mode; counts visitors and post views using a random ID that does not identify you; shows the page loader only once per visit | Until you clear your browser data (lwv-seen: end of visit) |
Your cookie choices. You can block or delete cookies in your browser settings. Most browsers let you block third-party cookies only. If you block all cookies, some features such as logging in or remembering your settings may not work. Visitors in the EEA, UK and Switzerland are shown a consent message, and Google’s statistics and advertising cookies are only used there after you agree.
4. Advertising (Google AdSense)
We show ads through Google AdSense so we can keep our articles free.
- Third-party vendors, including Google, use cookies to serve ads based on your prior visits to this website or other websites.
- Google’s use of advertising cookies enables it and its partners to serve ads to you based on your visits to this site and/or other sites on the internet.
- You may opt out of personalized advertising by visiting Google Ads Settings. You can also opt out of some third-party vendors’ use of cookies for personalized advertising at www.aboutads.info/choices or the Network Advertising Initiative opt-out page.
If you opt out, you will still see ads, but they will be less related to your interests. To learn more about how Google uses information from websites that show its ads, see How Google uses information from sites or apps that use our services.
Ads may link to other companies’ websites. We do not control those websites, and we are not responsible for the products or offers in ads.
5. Analytics and measurement
Google Analytics. We use Google Analytics, connected through Google’s Site Kit plugin, to understand how visitors use the website: for example, which articles are popular, how far people read, which share buttons are used, and how visitors find us. Google Analytics uses cookies (listed in section 3) and collects device and usage information. Google may process this data on its servers, including servers outside your country. We do not send your name or email address to Google Analytics.
You can stop Google Analytics from collecting data about your visits by installing the Google Analytics Opt-out Browser Add-on. For details on how Google handles this data, see How Google uses information from sites or apps that use our services.
Google Ads measurement. Our website includes a Google Ads tag. It lets us measure whether our own Google ads lead people to this website, and it may let Google show our ads to people who have visited this site before. Third-party vendors, including Google, may show our ads on other websites, using cookies and device identifiers based on your past visits to this site. You can opt out through Google Ads Settings or the Network Advertising Initiative opt-out page, or control device identifiers in your phone’s settings.
Visitor and post-view counters. Our own visitor counter and the Post Views Counter plugin count visits and post views. They use a random ID stored in your browser and do not identify you. Your IP address is used only briefly, in scrambled form, to avoid counting the same visit twice, and is deleted within 6 hours.
6. Other services we use
- GoDaddy (website hosting). Our website is hosted by GoDaddy. Like all web hosts, GoDaddy’s servers record technical information such as IP addresses and the pages requested, keep security logs, and may set the statistics cookies listed in section 3.
- Gravatar. When you leave a comment, a scrambled version of your email address (a “hash”) may be sent to the Gravatar service to check whether you have a profile picture. Gravatar’s privacy policy is available at automattic.com/privacy.
- Google Translate. If you choose a language from our language menu, the page is translated by Google Translate, and the page’s content is sent to Google for translation. Nothing is sent to Google Translate unless you choose a language other than English.
- Anti-spam protection. Comment, contact and login forms use security checks to block spam and automated attacks.
- Embedded content. Articles may include images, videos or other content from other websites. That content behaves as if you visited the other website directly, and those websites may collect data about you.
Our share buttons (WhatsApp, Telegram, Facebook and X) are simple links. They do not load anything from those companies until you click them.
7. How we share information
We do not sell your personal information for money. We share information only:
- With service providers that run the website for us, such as our hosting provider (GoDaddy) and Google (Analytics, AdSense, Google Ads and Translate), as described above.
- With advertising partners, through the cookies described in sections 3 and 4. Under some US state laws, letting advertising partners use cookies to show personalized ads can count as “selling” or “sharing” personal information. See section 8 for how to opt out.
- Publicly, when you choose to. Your name, website and comment are shown publicly when you comment.
- For legal reasons, if required by law, a court order or a government request, or to protect our rights, our readers or the public.
- If the website changes owners, the new owner would receive the website’s data and would have to follow this policy.
8. Your choices and rights
Everyone can:
- turn off personalized ads at Google Ads Settings, www.aboutads.info/choices or the NAI opt-out page;
- block or delete cookies in your browser, or install the Google Analytics Opt-out Browser Add-on;
- ask us to delete a comment you posted, or to delete your account;
- email us to ask what personal information we hold about you.
If you live in the United States. Depending on your state (for example California, Colorado, Connecticut, Virginia, Texas or Oregon), you may have the right to:
- know what personal information we collect, use and disclose;
- get a copy of your personal information;
- correct inaccurate information;
- delete your personal information;
- opt out of the “sale” or “sharing” of your personal information and of targeted advertising;
- not be treated differently for using these rights.
To opt out of personalized advertising, use the Google and industry opt-out links above, or block third-party cookies in your browser. If Google shows you a privacy message on our site, you can also use it to opt out. For any other request, email us. We may need to confirm your identity before acting on it, and you may use an authorized agent.
If you are in the EEA, the UK or Switzerland. We use your information on these legal grounds: your consent (for analytics and advertising cookies, which you can withdraw at any time through the consent message or your browser), our legitimate interest in running, securing and improving the website (for example, server logs and spam protection), and to provide services you ask for (for example, your account). You have the right to access, correct, delete, restrict or object to the use of your information, to data portability, and to complain to your local data protection authority.
If you are in India. Under the Digital Personal Data Protection Act, 2023, you can ask to access, correct, update or erase your personal data, withdraw consent, and name someone to exercise your rights for you. Complaints can be sent to our grievance contact in section 10.
We will reply to requests within 30 days, or sooner where the law requires.
9. Other important information
How long we keep information.
- Comments are kept until they are deleted. Spam is removed automatically.
- Account details are kept until you ask us to delete your account.
- Messages you send us are kept as long as needed to answer them, and then for up to 2 years.
- Google Analytics data is kept for up to 14 months.
- Visitor and view counts are kept only as totals.
- Server logs are kept according to our hosting provider’s settings.
Security. The website uses an encrypted connection (HTTPS), passwords are stored in encrypted form, and access to the website’s admin area is restricted. No website is completely secure, so we cannot guarantee absolute security.
Children’s privacy. This website is meant for adults and is not directed to children under 13. We do not knowingly collect personal information from children under 13. Under-18 users should not create an account or leave comments without a parent’s or guardian’s permission. If you believe a child has given us personal information, please contact us and we will delete it.
International transfers. We are based in India, our host and Google may store data in the United States and other countries, and our readers are mainly in the United States. Your information may therefore be processed outside your country, under the safeguards these providers use.
Links to other websites. Our articles link to other websites, such as banks and government sites. We are not responsible for their privacy practices. Please read their privacy policies.
Changes to this policy. We may update this policy when our website or the law changes. The “Effective date” at the top shows when it was last changed. For important changes, we will also post a notice on the website.
10. Contact us
For questions about this policy, privacy requests or complaints, contact:
Vinod Kumar, Learn with Vinod (VSR Solutions)
Email: vsrsolutions333@gmail.com
Location: Bareta, Punjab, India
Please write “Privacy request” in the subject line so we can find your message quickly.