Privacy Policy

This Privacy Policy explains how A Matter of Cents ("we," "us," or "our") collects, uses, shares, and protects information when you visit amatterofcents.com (the "Site"), subscribe to our emails, or use our free and paid resources. By using the Site, you agree to the practices described here.

1. Who We Are

A Matter of Cents is a personal-finance education brand that publishes calm, systems-based content and email courses. We are the data controller for the information described in this policy. You can reach us any time at the address in the contact line below.

2. Information We Collect

Information you give us

• Email address (and any name or details you choose to provide) when you subscribe to our newsletter, request a free resource such as the Zero Chaos Starter Kit, or join a waitlist.
• Messages you send us, including their contents and any information you include when you email or contact us.
• Purchase details if and when you buy a paid product. Payments are processed by a third-party payment processor; we do not store full card numbers on our systems.

Information collected automatically

• Usage and device data such as your IP address, browser type, device type, referring pages, pages viewed, and time spent, gathered through cookies and similar technologies.
• Analytics data about how the Site is used, in aggregate and de-identified form where possible.

See our Cookie Policy for details on the cookies and tracking technologies we use and how to control them.

3. How We Use Your Information

• To send you the emails, courses, and resources you request.
• To respond to your questions and provide support.
• To operate, maintain, secure, and improve the Site and our content.
• To understand how our content performs, in aggregate.
• To process and deliver any product you purchase.
• To comply with legal obligations and to protect our rights, users, and the public.

We do not sell your personal information, and we do not share it for cross-context behavioral advertising.

4. Third Parties Who Process Your Data

We use a small set of trusted service providers to run the Site. They process data only to provide services to us and are bound by their own privacy commitments:

• Kit (formerly ConvertKit) — email delivery and list management for our newsletter and free resources.
• Analytics provider(s) — measuring Site traffic and content performance.
• Cloudflare — hosting, content delivery, and security.
• Payment processor — securely handling any purchases (once paid products launch).

We may also disclose information if required by law, to enforce our Terms of Service, or in connection with a business transfer such as a merger or acquisition.

5. Cookies and Tracking

We use essential, analytics, and email/marketing cookies. You can control non-essential cookies through your browser settings and any consent controls we provide. Full details are in our Cookie Policy.

6. How We Protect Your Information

We use reasonable administrative, technical, and organizational safeguards designed to protect your information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

7. Data Retention

We keep your information only as long as needed for the purposes described in this policy — for example, for as long as you remain subscribed, plus a reasonable period afterward to meet legal, accounting, or reporting requirements. When information is no longer needed, we delete or de-identify it.

8. Your Rights and Choices

Depending on where you live, you may have some or all of the following rights:

• Access — request a copy of the personal information we hold about you.
• Correction — ask us to fix inaccurate information.
• Deletion — ask us to delete your information.
• Opt-out — unsubscribe from marketing emails at any time using the link in every email, or by contacting us.

To exercise any of these rights, email us using the contact line below. We will respond within the time required by applicable law. We will not discriminate against you for exercising your rights.

For California residents (CCPA/CPRA)

If you are a California resident, you have the right to know what personal information we collect, use, and disclose; the right to request deletion or correction; and the right to opt out of the "sale" or "sharing" of personal information. We do not sell or share your personal information as those terms are defined under California law. You may exercise these rights, or designate an authorized agent to do so, by contacting us.

For residents of the EEA, UK, and similar jurisdictions (GDPR-style)

If you are located in the European Economic Area, the United Kingdom, or a region with comparable law, you have rights including access, rectification, erasure, restriction of processing, data portability, and the right to object. We rely on your consent (for marketing emails and non-essential cookies) and our legitimate interests (to operate and improve the Site) as the legal bases for processing. You may withdraw consent at any time, and you may lodge a complaint with your local data protection authority.

9. Children's Privacy

The Site is intended for adults and is not directed to children under 16. We do not knowingly collect personal information from anyone under 16. If you believe a child has provided us information, please contact us and we will delete it.

10. International Visitors

We are based in the United States, and our service providers may process data in the United States and other countries. By using the Site, you understand that your information may be transferred to and processed in countries whose data-protection laws may differ from those of your country.

11. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date above. Material changes will be communicated where appropriate. Your continued use of the Site after changes take effect means you accept the updated policy.

12. Contact Us

If you have questions about this Privacy Policy or how we handle your information, reach out using the contact address below.