Privacy Policy

At MoneyMemoir.com (“Website”), owned and operated by Sharon R. Terrell (“we,” “us,” or “our”), we are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our Website or interact with our services. By using MoneyMemoir.com, you consent to the practices described in this Privacy Policy.

If you have any questions about this Privacy Policy, please contact us at [email protected].

1. Information We Collect

We may collect the following types of information when you use our Website:

1.1 Personal Information

Personal information is data that can be used to identify you. We may collect:

• Contact Information: Name, email address, or other details you provide when you contact us, subscribe to our newsletter, or comment on blog posts.
• Correspondence: Information you share when you email us or submit inquiries through our contact form.

1.2 Non-Personal Information

Non-personal information does not directly identify you. We may collect:

• Usage Data: Information about how you interact with the Website, such as pages visited, time spent, and referring URLs.
• Device Information: Details about your device, including IP address, browser type, operating system, and device identifiers.
• Cookies and Tracking Technologies: Data collected through cookies, web beacons, or similar technologies to enhance your experience and analyze Website performance.

1.3 Information from Third Parties

If you interact with third-party services linked on our Website (e.g., social media platforms or affiliate links), we may receive information from those services, subject to their privacy policies.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To Operate and Improve the Website: Deliver content, respond to inquiries, and enhance user experience.
• To Communicate with You: Send newsletters, respond to comments or inquiries, or provide updates about MoneyMemoir.com (if you opt in).
• To Analyze Usage: Understand how visitors use the Website to improve our content and services.
• To Personalize Content: Tailor content or advertisements based on your interests and browsing behavior.
• To Comply with Legal Obligations: Meet legal or regulatory requirements, such as responding to lawful requests.

3. How We Share Your Information

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following circumstances:

• Service Providers: With trusted third-party vendors who assist us in operating the Website (e.g., hosting providers, analytics services, or email marketing platforms). These providers are contractually obligated to protect your information.
• Legal Requirements: If required by law, such as to comply with a subpoena, court order, or other legal process.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.
• Aggregated or Anonymized Data: We may share non-identifiable, aggregated data with third parties for analytics or marketing purposes.

4. Cookies and Tracking Technologies

4.1 What Are Cookies?

Cookies are small data files stored on your device to help the Website function and improve your experience. We use:

• Essential Cookies: Necessary for the Website to operate (e.g., to maintain your session).
• Analytics Cookies: To track Website performance and user behavior (e.g., via Google Analytics).
• Advertising Cookies: To deliver personalized ads through third-party ad networks.

4.2 Managing Cookies

You can manage or disable cookies through your browser settings. However, disabling cookies may affect the functionality of the Website. For more information, visit [insert link to cookie management page, if applicable].

5. Third-Party Links and Services

MoneyMemoir.com may contain links to third-party websites, such as affiliate partners, advertisers, or social media platforms. We are not responsible for the privacy practices or content of these third parties. We encourage you to review their privacy policies before providing personal information.

6. Data Security

We implement reasonable technical and organizational measures to protect your personal information from unauthorized access, loss, or misuse. However, no online platform can guarantee absolute security. You are responsible for maintaining the confidentiality of any account credentials or sensitive information you share.

7. Your Choices and Rights

7.1 Opting Out

• Newsletters: You may unsubscribe from our newsletters at any time by clicking the “unsubscribe” link in the email or contacting us at [email protected].
• Cookies: You can opt out of non-essential cookies through your browser settings or our cookie management tool (if available).

7.2 Access and Correction

You may request access to or correction of your personal information by contacting us at [email protected]. We will respond within a reasonable timeframe, subject to applicable laws.

7.3 California Residents (CCPA)

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including the right to:

• Know what personal information we collect, use, or disclose about you.
• Request deletion of your personal information.
• Opt out of the sale of your personal information (note: we do not sell personal information). To exercise these rights, contact us at [email protected].

7.4 EU Residents (GDPR)

If you are in the European Union, you may have rights under the General Data Protection Regulation (GDPR), including the right to:

• Access, rectify, or erase your personal data.
• Restrict or object to data processing.
• Data portability. To exercise these rights, contact us at [email protected]. You may also lodge a complaint with your local data protection authority.

8. Children’s Privacy

MoneyMemoir.com is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately at [email protected].

9. Data Retention

We retain personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy or to comply with legal obligations. When no longer needed, we securely delete or anonymize your information.

10. International Data Transfers

MoneyMemoir.com is operated from the United States. If you access the Website from outside the U.S., your information may be transferred to and processed in the U.S., where data protection laws may differ. By using the Website, you consent to such transfers.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of significant changes by posting the updated Privacy Policy on the Website. Your continued use of the Website after such changes constitutes acceptance of the revised Privacy Policy.

12. Contact Information

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

Sharon R. Terrell
MoneyMemoir.com
1972 Rivendell Drive
Akron, OH 44307
Email: [email protected]