Effective Date: 5/2025
Your privacy is important to us. This Privacy Policy explains how we collect, use, and protect your personal information when you visit our website MoneywiseFamily.com (“we”, “our”, or “us”).
Information on this website is provided for informational and entertainment purposes only, and should not be construed as financial or legal advice. This website does not guarantee the accuracy or completeness of such content and materials and makes no warranty, express or implied, regarding the use thereof.
1. Information We Collect
We collect the following types of data when you use our website:
a. Automatically Collected Data
- Google Analytics is used to collect anonymous and aggregated data such as pages visited, time spent on site, browser type, device, and more.
- We have enabled Google Analytics User-ID tracking to associate multiple sessions and activities with a unique ID.
- We may also use Google Analytics User-provided data collection, which allows us to collect data that you submit (e.g., through contact forms or newsletter sign-ups).
b. User-Provided Information
- When you voluntarily provide data (e.g., your name, email address, or other personal information), it may be collected for purposes such as commenting, subscribing, or contacting us.
2. Use of Collected Data
We use the collected information to:
- Analyze site traffic and usage patterns
- Improve user experience and content
- Respond to user inquiries or feedback
- Personalize ads and content based on user interests and behavior
3. Google AdSense and Advertising
We use Google AdSense to serve ads on our site. AdSense may use cookies or web beacons to collect non-personally identifiable information to tailor ads to your interests.
- Personalized ads are enabled, which means you may see ads based on your previous visits to this or other websites.
- You can opt out of personalized advertising by visiting Ads Settings.
To learn more about how Google uses data, visit: Google’s Privacy & Terms
4. Cookies and Tracking
4. Cookies and Tracking Technologies
What Are Cookies?
Cookies are small text files placed on your device (computer, smartphone, or tablet) when you visit a website. They allow the website to recognize your device, remember your preferences, and enhance your overall experience.
Cookies are widely used to make websites work more efficiently, as well as to provide reporting information and deliver relevant advertisements.
Types of Cookies We Use
We use several types of cookies on this website:
a. Essential (Strictly Necessary) Cookies
These cookies are necessary for the website to function and cannot be switched off. They are typically set in response to actions you take, such as filling in forms, setting privacy preferences, or logging in.
b. Performance and Analytics Cookies
These cookies collect information about how visitors interact with our site. They help us understand how users use our website, which pages are most popular, and if users experience errors. We use Google Analytics for this purpose, which may collect:
- Your IP address (with anonymization where required)
- Device and browser type
- Pages visited and time spent on each page
- Referring websites
- Events and actions taken on the site
Google Analytics cookies may persist for varying durations. You can learn more and opt out via:
https://tools.google.com/dlpage/gaoptout
c. Functionality Cookies
These cookies allow the site to remember your preferences (such as language, region, or username) and provide enhanced, more personal features.
d. Advertising and Targeting Cookies
We use Google AdSense, which sets cookies to personalize advertising content. These cookies track your browsing habits across different websites in order to show you ads that are more relevant to your interests.
Google may collect and process the following data through AdSense:
- IP address
- Geolocation
- Device identifiers
- Browsing behavior across sessions
You can opt out of personalized advertising by visiting:
https://adssettings.google.com
Third-Party Cookies
We may allow trusted third-party services to place cookies through our website, including:
- Social media platforms (e.g., for sharing content)
- Embedded content (such as videos from YouTube)
- Analytics and advertising providers
Each third party is responsible for its own privacy and cookie policies, and we encourage users to review those policies directly.
How to Manage and Disable Cookies
Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. Here’s how:
- Google Chrome: Settings → Privacy and security → Cookies and other site data
- Mozilla Firefox: Options → Privacy & Security → Cookies and Site Data
- Safari: Preferences → Privacy → Manage Website Data
- Microsoft Edge: Settings → Cookies and site permissions
You can also use browser add-ons or opt-out platforms such as:
- YourOnlineChoices (EU)
- Network Advertising Initiative (US)
Please note that disabling some cookies may affect the functionality and features of this website.
Consent to Use Cookies
Where required by law, we will request your explicit consent before placing non-essential cookies on your device. You may see a banner or pop-up when you first visit our site asking for your preferences.
Links to other websites
This website contains links to other independent websites which have their own privacy policies, including cookies, which you can review. We don’t control the accuracy or completeness of that information. You take full responsibility for using that information and verifying it and for any decision to use, purchase or refrain from purchasing any of the services or products mentioned on a linked site.
5. Third-Party Services
In addition to Google services (Analytics and AdSense), we may integrate with third-party tools (such as social media plugins) that may collect data in accordance with their own privacy policies.
Amazon Associates Program Disclosure
Our website [Your Blog Name] participates in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for websites to earn advertising fees by advertising and linking to Amazon.com and affiliated sites.
What This Means
This means that when you click on certain links on our website that lead to products on Amazon.com (or its international counterparts), we may earn a small commission at no additional cost to you. These affiliate links help support the operation of our site and allow us to continue providing content.
Use of Cookies by Amazon
As part of this program, Amazon and its partners may place cookies on your browser to track referrals from our site. These cookies:
- Identify that you came from our site
- Track purchases and visits for a limited time (usually 24 hours)
- Are used solely to calculate and report affiliate earnings
Amazon does not provide us with any personally identifiable information about customers who use these affiliate links.
Your Consent
By using our website and clicking on affiliate links, you consent to the use of cookies as described above. You may opt out of tracking by disabling cookies in your browser settings.
6. Data Retention and Security
We retain personal data only as long as necessary for the purposes described in this policy. We implement security measures to protect against unauthorized access, alteration, or disclosure.
7. Your Rights
Depending on your location, you may have rights to:
- Access, correct, or delete your personal data
- Object to or restrict certain data processing
- Withdraw consent at any time
To exercise your rights, please contact us at [Your Contact Email].
8. Children’s Privacy
Our site is not intended for individuals under the age of 16 and we do not knowingly collect data from children.
9. Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date.
10. Contact Us
If you have any questions regarding our privacy policy, please send us a message through the contact form.