Privacy Policy

The Money Friend ("we," "us," or "our") operates the website themoneyfriend.com (the "Site"). This Privacy Policy explains what information we collect, how we use it, and your choices regarding your data. We believe in transparency, especially when it comes to your personal information.

Information We Collect

Information You Provide Voluntarily

• Email address: If you subscribe to our newsletter or opt in to receive a calculator result by email, we collect the email address you provide. This is always optional — you are never required to provide an email to use our calculators or read our content.
• Calculator inputs: When you use our financial calculators, the values you enter (such as income, home price, or savings amounts) are processed in your browser to generate results. We do not store these inputs on our servers or associate them with your identity.
• Purchase information: If you purchase a template or digital product, your payment is processed by Lemon Squeezy, our third-party payment processor. We receive your name, email, and transaction details but never see or store your credit card number or full payment credentials.

Information Collected Automatically

When you visit our Site, we automatically collect certain technical information through analytics and server logs:

• Pages visited and time spent on each page
• Referring website or source
• Device type, operating system, and browser
• Screen resolution
• Approximate geographic location (country/region level, not precise location)
• Date and time of visit

We use privacy-focused analytics and do not collect personally identifiable information through our analytics tools. We do not engage in fingerprinting or cross-site tracking.

How We Use Your Information

We use the information we collect for the following purposes:

• Newsletter delivery: To send you the weekly email newsletter you signed up for, including money tips and financial content.
• Product fulfillment: To deliver digital products you purchase and to provide customer support related to your purchase.
• Site improvement: To understand how visitors use our Site so we can improve our content, calculators, and user experience.
• Legal compliance: To comply with applicable laws, regulations, and legal processes.

We do not sell, rent, or trade your personal information to third parties for their marketing purposes.

Cookies and Tracking Technologies

Our Site uses cookies and similar technologies for the following purposes:

• Essential cookies: Required for basic site functionality, such as remembering your preferences and ensuring the site works correctly.
• Analytics cookies: Help us understand how visitors interact with our Site by collecting anonymous usage data.
• Affiliate tracking cookies: When you click an affiliate link on our Site, the affiliate partner may place a cookie on your device to track the referral. These cookies are placed by the third-party affiliate network, not by us. They are used to attribute any resulting purchase to our referral so we can earn a commission. These cookies do not give us access to your personal information on the affiliate partner's site.

Most web browsers allow you to control cookies through their settings. You can choose to block or delete cookies, though this may affect certain functionality on our Site.

Third-Party Services

We use the following third-party services that may collect or process data on our behalf:

• Vercel: Hosts our website and may collect server access logs, including IP addresses and request data, as part of standard web hosting operations. Vercel Privacy Policy
• Google Fonts: We load fonts from Google's servers, which means Google may receive your IP address when fonts are loaded. Google Privacy Policy
• Beehiiv: Powers our email newsletter. When you subscribe, your email address is stored and managed by Beehiiv. Beehiiv Privacy Policy
• Lemon Squeezy: Processes payments for our digital products and templates. When you make a purchase, Lemon Squeezy collects your payment and billing information. Lemon Squeezy Privacy Policy
• Amazon Associates: We participate in the Amazon Associates Program. When you click an Amazon affiliate link, Amazon may collect data as described in their privacy policy. Amazon Privacy Notice
• Affiliate networks: We partner with various financial product affiliate programs. When you click affiliate links, the respective affiliate networks may place cookies and collect data according to their own privacy policies.

Data Retention

We retain your information as follows:

• Newsletter subscribers: We retain your email address until you unsubscribe. You can unsubscribe at any time using the link in every email we send.
• Purchase records: We retain transaction records as required by applicable tax and accounting laws.
• Analytics data: Aggregated, anonymized analytics data is retained to help us understand long-term usage trends.

Data Security

We implement reasonable technical and organizational measures to protect the information we collect. Our Site is served over HTTPS, and we rely on reputable third-party providers (Vercel, Beehiiv, Lemon Squeezy) who maintain their own security standards. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

Your Rights and Choices

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

• Access: You may request a copy of the personal information we hold about you.
• Correction: You may request that we correct inaccurate personal information.
• Deletion: You may request that we delete your personal information, subject to certain legal exceptions.
• Opt-out of communications: You can unsubscribe from our newsletter at any time using the unsubscribe link included in every email.
• Cookie controls: You can manage cookie preferences through your browser settings.

To exercise any of these rights, please contact us using the information provided at the bottom of this page.

California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA):

• Right to know: You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you, the categories of sources from which we collected it, our business purpose for collecting it, and the categories of third parties with whom we share it.
• Right to delete: You have the right to request that we delete personal information we have collected from you, subject to certain exceptions.
• Right to correct: You have the right to request that we correct inaccurate personal information we maintain about you.
• Right to opt out of sale or sharing: We do not sell your personal information. We do not share your personal information for cross-context behavioral advertising purposes.
• Right to non-discrimination: We will not discriminate against you for exercising any of your CCPA/CPRA rights.

To submit a CCPA/CPRA request, please contact us using the information provided below. We will verify your identity before processing your request.

Children's Privacy

Our Site is not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us and we will promptly delete that information.

Do Not Track Signals

Our Site responds to Do Not Track ("DNT") signals. When we detect a DNT signal, we limit analytics tracking accordingly.

International Users

Our Site is operated from the United States. If you are accessing our Site from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States, where our servers and service providers are located.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will update the "Last updated" date at the top of this page. We encourage you to review this page periodically to stay informed about how we protect your information.

Contact Us

If you have questions about this Privacy Policy, want to exercise your privacy rights, or have concerns about how we handle your data, please contact us at:

The Money Friend
Website: themoneyfriend.com
Email: privacy@themoneyfriend.com