Privacy Policy

Last updated: November 2, 2025

Welcome to SavvyMoneyWise.com (“we”, “us”, “our”). This Privacy Policy explains how we collect, use, disclose, and protect information gathered from visitors to our website and users of our services. We take your privacy seriously and abide by applicable privacy laws, including GDPR and CCPA where applicable.

1. Information We Collect

We collect two types of information:

• Personal Information — information you provide voluntarily, such as name, email address, contact messages, and newsletter subscription details when you use forms, comment, or correspond with us.
• Non-Personal / Technical Information — automatically collected data such as IP address, browser type, device info, pages visited, referral sources, and analytics data (e.g., Google Analytics).

2. Cookies & Tracking Technologies

We use cookies and similar technologies to deliver, secure, and improve our services and to show relevant ads.

• Essential cookies: required for core site functionality.
• Analytical cookies: used for traffic analysis (Google Analytics).
• Advertising cookies: used by third parties (Google AdSense) to serve personalized ads.

You can control cookies via your browser settings or opt out of personalized advertising at Google Ads Settings.

3. How We Use Your Information

We use collected data for the following purposes:

• To respond to inquiries, comments, and support requests.
• To send newsletters and updates if you subscribe (you can unsubscribe anytime).
• To improve our content, tools, calculators, and overall user experience.
• To manage advertising and analytics (including Google AdSense).
• To protect our website and users from fraud or abuse.

4. Third-Party Services & Advertising

We may use trusted third-party services to operate our website and serve ads (examples include Google Analytics and Google AdSense). These third parties have their own privacy policies and may collect data independently. We do not control third-party cookies or tracking and are not responsible for their policies.

Google AdSense: Our site displays ads via Google AdSense. Google may use cookies and other identifiers to serve interest-based ads. For more information about how Google uses data, visit Google’s advertising policies.

5. Email Communications

If you subscribe to our newsletter or contact us, we will store your email address to deliver the requested communications. Every email contains an unsubscribe link and you can opt out at any time.

6. Data Retention & Security

We retain personal data only as long as necessary to fulfill the purposes described or to meet legal obligations. We implement reasonable technical and organizational measures (including TLS/SSL and secure hosting) to protect your information, but no system is completely secure.

7. Your Rights (GDPR & CCPA)

Depending on your jurisdiction, you may have the following rights:

• Access: Request a copy of the personal data we hold about you.
• Correction: Ask us to correct inaccurate or incomplete data.
• Deletion: Request deletion of your personal data (subject to legal exceptions).
• Opt-Out: Opt out of sale or sharing of personal information (CCPA rights).
• Data Portability: Request a machine-readable copy of the data.

To exercise these rights, contact us at privacy@savvymoneywise.com. We will respond within applicable legal timeframes.

8. Children’s Privacy

Our website is not directed at children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided us personal data, please contact us to request removal.

9. Third-Party Links

We may link to external sites for convenience. We are not responsible for their privacy practices. Please review third-party privacy policies before sharing personal information.

10. International Data Transfers

Our servers and third-party service providers may be located in different countries. By using our site, you consent to transfer and processing of your data in those locations consistent with this policy.

11. Changes to This Policy

We may update this Privacy Policy periodically. Material changes will be posted here with an updated “Last Updated” date. Continued use of our site after modifications indicates acceptance of the updated terms.