Privacy Policy

1. Who We Are

MONEYlume, LLC operates moneylume.com — an independent financial education publisher. We are not a bank, lender, investment advisor, or insurance company.

Privacy questions: hello@moneylume.com

2. Information We Collect

Information you provide directly

• Email address — when you subscribe to our newsletter
• Name and message — when you submit a contact form

Information collected automatically

• IP address (anonymized before storage)
• Browser type, OS, device type
• Pages visited, time on page, scroll depth, links clicked
• Referring URL
• Cookie identifiers and device IDs (see Section 5)

We do not collect: Social Security numbers, financial account numbers, credit card numbers, health data, biometric data, or precise GPS location.

3. How We Use Your Information

• Deliver newsletters and respond to contact form submissions
• Analyze site traffic and improve content quality (Google Analytics, anonymized)
• Serve relevant display advertising to fund free content
• Detect and prevent fraud, abuse, and security threats
• Comply with legal obligations

4. How We Share Your Information

We do not sell your personal information. We share data only with:

• Google Analytics — anonymized traffic analysis, under a Data Processing Agreement
• Email service provider — newsletter delivery only
• Advertising partners — cookie-based ad targeting (see CCPA Notice to opt out)
• Legal authorities — when required by law or court order
• Business successors — in the event of a merger or acquisition

5. Cookies and Tracking

We use cookies and similar technologies. Full details — types, third parties, opt-out instructions — are in our Cookie Policy. You can manage cookies at any time through your browser settings.

6. Data Retention

• Newsletter subscribers: until you unsubscribe (one-click link in every email)
• Analytics data: 26 months (Google Analytics default, then auto-deleted)
• Contact form submissions: 12 months

7. Your Rights

• Access a copy of your personal data
• Correct inaccurate data
• Request deletion of your data
• Opt out of marketing emails (unsubscribe link in every email)
• Opt out of targeted advertising (see CCPA Notice)
• Lodge a complaint with a supervisory authority (EU/UK: contact your national DPA)

California residents have additional rights — see our California Privacy Notice (CCPA).

8. Security

We use TLS/SSL encryption on all pages, access controls on internal systems, and regular security reviews. No internet transmission is 100% secure — we cannot guarantee absolute security.

9. Third-Party Links

Our articles link to external websites (banks, IRS.gov, financial products). We are not responsible for their privacy practices. Review third-party policies before submitting personal information.

10. Children's Privacy

Our site is not directed to children under 13. We do not knowingly collect data from children under 13. If we learn we have done so, we will delete it immediately.

11. International Users

Our servers are in the United States. If you access our site from outside the US, your data is transferred to and processed in the US under applicable transfer mechanisms (e.g., Standard Contractual Clauses for EU users).

12. Changes to This Policy

Material changes will be announced on this page with an updated effective date. Continued use after changes constitutes acceptance.