This Privacy Policy describes how CentsWisdom ("we," "us," or "our"), operated by Andrew Carta, collects, uses, and protects information you provide when visiting centswisdom.com. By using this site, you agree to the practices described here.

1. Information We Collect

Information You Provide Directly

• Newsletter subscriptions: When you subscribe to our weekly email newsletter, we collect your email address and the source of your signup (e.g., "homepage" or "article page").
• Q&A submissions: If you submit a question through our Ask page, we collect your question, and optionally your name and email address if you provide them.
• Contact form: Messages sent through our Contact page include your name, email address, subject, and message content.

Information Collected Automatically

• Analytics: We use Google Analytics 4 (GA4) to collect data about site usage, including pages visited, time on site, browser type, device type, and approximate geographic location (country/city). This data is aggregated and does not personally identify you by default.
• Cookies: Google Analytics and Google AdSense set cookies to distinguish unique visitors, measure traffic patterns, and serve relevant advertisements. See Section 4 for more details.
• Log data: Our web server may automatically collect IP addresses, browser user agent strings, and referring URLs for security and debugging purposes.

2. How We Use Your Information

• To send you the CentsWisdom weekly newsletter (if subscribed)
• To respond to questions and contact form submissions
• To understand how visitors use our site and improve content
• To serve relevant advertisements through Google AdSense
• To diagnose technical problems and maintain site security

We do not sell, rent, or trade your personal information to third parties.

3. Email Newsletter

If you subscribe to our newsletter, we use your email address solely to send you the CentsWisdom weekly digest and occasional updates. You can unsubscribe at any time using the unsubscribe link in any email we send. We will promptly remove your address from all future mailings.

4. Cookies and Advertising

CentsWisdom uses cookies from Google Analytics and Google AdSense. Cookies are small text files stored on your device that help us understand traffic patterns and serve relevant ads.

Google Analytics

Google Analytics uses cookies to track visitor behavior in aggregate. Google's privacy practices are governed by the Google Privacy Policy. You can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on.

Google AdSense

We participate in the Google AdSense program to display advertisements. Google may use cookies to serve ads based on your prior visits to our site or other sites on the internet. You can opt out of personalized advertising at Google Ads Settings.

By using this site, you consent to the use of these cookies. Most browsers allow you to refuse or delete cookies through browser settings, though this may affect your experience on some sites.

5. Third-Party Links

CentsWisdom may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies before providing any personal information.

6. Data Retention

• Newsletter subscribers: Email addresses are retained until you unsubscribe or request deletion.
• Q&A submissions: Published questions are retained as part of the site's content. Unpublished submissions may be deleted periodically.
• Contact submissions: Contact form messages are retained for a reasonable period to allow us to respond and maintain records.
• Analytics data: Governed by Google's data retention policies.

7. Your Rights

You have the right to:

• Request access to the personal data we hold about you
• Request deletion of your personal data (email: contact@centswisdom.com)
• Unsubscribe from email communications at any time
• Opt out of personalized advertising through Google

8. Children's Privacy

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

9. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date. Continued use of the site after any changes constitutes acceptance of the updated policy.

10. Contact Us

Questions about this Privacy Policy? Reach us through our contact page or email contact@centswisdom.com.