Privacy Policy

1. Information We Collect

Information you provide directly

• Email address — when you subscribe to our newsletter or create a subscriber account.
• Name — optionally, when subscribing or contacting us.
• Contact form submissions — messages you send through our contact page, including any information you choose to include.
• Account information — if you create a subscriber account, we store your email, name, and account preferences.

Information collected automatically

• Usage data — pages visited, time on page, clicks, and navigation paths, collected via analytics software (Google Analytics).
• Device and browser information — browser type, operating system, screen size, and device type.
• IP address — used to determine approximate geographic location (country/region level) and to identify unusual traffic patterns.
• Referral source — the URL or search term that brought you to the site.

2. How We Use Your Information

• To deliver newsletter emails you've subscribed to.
• To respond to contact form submissions and support requests.
• To maintain and improve subscriber accounts.
• To understand how readers use the site and which content is most useful, using aggregated analytics data.
• To detect and prevent spam, abuse, and security issues.
• To comply with legal obligations.

We do not use your information to serve targeted advertising. We do not build advertising profiles from your behavior on this site.

3. Who We Share Information With

We share information with the following categories of third parties:

• Email service provider — we use a third-party email platform (currently Mailchimp or equivalent) to send newsletters. Your email address and name are stored on that platform. Their privacy policy governs how they handle that data.
• Analytics provider — we use Google Analytics to understand site traffic. Google may process your usage data according to their privacy policy. We have configured Analytics with IP anonymization enabled.
• Hosting provider — our hosting provider (Hostinger) processes server logs that may include IP addresses and request data.
• Affiliate networks — when you click an affiliate link, the affiliate network may set cookies and collect data about the referral. Their privacy policies govern that data collection.

We do not sell your personal information. We do not share your email address with advertisers or marketing partners.

4. Cookies and Tracking

We use the following types of cookies:

• Essential cookies — required for basic site functionality, including maintaining your logged-in state if you have a subscriber account.
• Analytics cookies — Google Analytics cookies that help us understand how readers use the site. These are anonymized and do not identify you personally.
• Affiliate cookies — when you click an affiliate link, the destination site may set cookies to track the referral. This is standard affiliate tracking and is governed by those companies' privacy policies.

You can disable cookies in your browser settings. Disabling analytics cookies will not affect your ability to read the site. Disabling essential cookies may affect subscriber account functionality.

5. Email Communications

If you subscribe to our newsletter, you will receive regular emails from New Money Muse containing financial tips, new content, and occasional partner offers. Every email includes an unsubscribe link. You can also unsubscribe by emailing hello@newmoneymuse.com.

We do not send emails to people who have not subscribed. We do not share subscriber email addresses with third parties for marketing purposes.

6. Your Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access — request a copy of the personal information we hold about you.
• Correction — request that we correct inaccurate personal information.
• Deletion — request that we delete your personal information. Note that some information may need to be retained for legal or business purposes.
• Unsubscribe — opt out of email communications at any time via the unsubscribe link in any email.
• Data portability — request your data in a portable format (where technically feasible).

To exercise any of these rights, contact us at privacy@newmoneymuse.com. We will respond within 30 days.

California residents (CCPA): You have the right to know what personal information we collect, to request deletion of your personal information, and to opt out of the sale of personal information. We do not sell personal information. To exercise your rights, contact us at the address above.

7. Data Security

We implement standard security measures to protect personal information from unauthorized access, disclosure, or loss. These include HTTPS encryption for all site traffic, access controls for systems storing personal data, and regular review of security practices.

No method of transmission over the internet is 100% secure. We cannot guarantee absolute security of data transmitted to or stored on our systems. In the event of a data breach affecting your personal information, we will notify affected users as required by applicable law.

8. Children's Privacy

New Money Muse is not directed at children under 13. We do not knowingly collect personal information from children under 13. If you believe a child under 13 has provided us with personal information, please contact us and we will delete it.

9. Changes to This Policy

We may update this privacy policy from time to time. When we make material changes, we will update the "Last updated" date at the top of this page. We encourage you to review this policy periodically. Continued use of the site after changes are posted constitutes acceptance of the revised policy.

10. Contact

For privacy-related questions, data requests, or concerns, contact us at privacy@newmoneymuse.com or through our contact page.

New Money Muse is operated from the United States. If you are located outside the United States, please be aware that information you provide may be transferred to and processed in the United States.