Privacy Policy

Last Updated: January 1, 2024

1. Information We Collect

1.1 Information You Provide

• Email Addresses: When you subscribe to our newsletter or download our free resources
• Contact Information: Name and email when you contact us directly
• Survey Responses: Optional feedback and survey responses
• Comments: Any comments you leave on our blog posts or social media

1.2 Information Collected Automatically

• Usage Data: Pages visited, time spent, and navigation patterns
• Device Information: Browser type, operating system, and device identifiers
• Log Data: IP addresses, access times, and referring URLs
• Cookies: Small files stored on your device for functionality and analytics

2. How We Use Your Information

2.1 Primary Uses

• Communication: Send newsletters, updates, and educational content
• Service Delivery: Provide requested resources and respond to inquiries
• Website Improvement: Analyze usage patterns to enhance user experience
• Legal Compliance: Meet legal obligations and protect our rights

2.2 Marketing Communications

We may send you promotional emails about our content, courses, or affiliate recommendations. You can opt out at any time using the unsubscribe link in emails or by contacting us.

3. Information Sharing and Disclosure

3.1 We DO NOT Sell Your Data

We never sell, rent, or trade your personal information to third parties for marketing purposes.

3.2 Limited Sharing

We may share your information only in these circumstances:

• Service Providers: Trusted partners who help operate our website (hosting, email services, analytics)
• Legal Requirements: When required by law or to protect our rights
• Business Transfers: In the event of a merger, sale, or transfer of assets
• Consent: When you explicitly consent to sharing

3.3 Third-Party Services

We use the following third-party services:

• MailerLite: Email marketing and newsletter management
• Google Analytics: Website traffic analysis (anonymized data)
• YouTube: Video content embedding
• Vercel: Website hosting and performance

4. Data Security

4.1 Security Measures

• SSL encryption for data transmission
• Secure hosting with regular security updates
• Limited access to personal information
• Regular security audits and monitoring

4.2 Data Retention

We retain your information only as long as necessary to provide services or as required by law. Email subscribers remain on our list until they unsubscribe.

5. Your Rights and Choices

5.1 Access and Control

You have the right to:

• Access: Request a copy of your personal information
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your personal information
• Portability: Receive your data in a machine-readable format
• Opt-out: Unsubscribe from marketing communications

5.2 Cookie Management

You can control cookies through your browser settings. Note that disabling cookies may affect website functionality.

6. Children's Privacy

Our services are not directed to children under 13. We do not knowingly collect personal information from children under 13. If we become aware of such collection, we will delete the information immediately.

7. International Users

If you access our website from outside the United States, your information may be transferred to and processed in the US. By using our services, you consent to this transfer.

8. California Privacy Rights (CCPA)

California residents have additional rights under the California Consumer Privacy Act:

• Right to know what personal information is collected
• Right to delete personal information
• Right to opt-out of the sale of personal information (we don't sell data)
• Right to non-discrimination for exercising privacy rights

9. European Privacy Rights (GDPR)

If you are in the European Union, you have rights under the General Data Protection Regulation:

• Legal basis for processing (consent, legitimate interest)
• Right to withdraw consent
• Right to object to processing
• Right to restriction of processing
• Right to lodge a complaint with supervisory authorities

10. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of material changes by:

• Posting the updated policy on this page
• Updating the "Last Updated" date
• Sending email notification for significant changes

11. Contact Information

If you have questions about this Privacy Policy or want to exercise your rights, contact us:

• Email: privacy@startwithcents.org
• Response Time: We will respond within 30 days