Privacy Policy for AIMoneyFrenzy.com

1. Information We Collect

We collect information that you provide directly, information collected automatically, and information from third parties. The types of personal information we may collect include:

• Personal Identifiers: Name, email address, postal address, phone number, or similar identifiers (e.g., if you sign up for newsletters, contact us, or participate in promotions).
• Commercial Information: Records of products or services considered or purchased via affiliate links, browsing history on our Site, and preferences.
• Internet or Network Activity: IP address, browser type, device information (e.g., operating system, unique device identifiers), referring/exit pages, pages viewed, time spent on pages, and clickstream data.
• Geolocation Data: Approximate location based on IP address (we do not collect precise geolocation without consent).
• Sensitive Personal Information: We do not intentionally collect sensitive data such as financial account details, precise geolocation, racial/ethnic origin, health data, or biometric data unless required for specific features and with your explicit consent.
• Other Information: Inferences drawn from the above to create profiles about your preferences for marketing purposes.

For children under 13 (or 16 in some jurisdictions), see Section 9 below.

2. How We Collect Information

• Directly from You: When you fill out forms, subscribe to emails, or communicate with us.
• Automatically: Through cookies, web beacons, pixels, and similar technologies. We use:
  • Essential cookies for Site functionality.
  • Analytics cookies (e.g., Google Analytics) to understand user behavior.
  • Advertising cookies for targeted ads and affiliate tracking.

  You can manage cookies via your browser settings or our cookie consent banner (for EU/EEA users, we obtain consent where required under GDPR and ePrivacy Directive).

• From Third Parties: Affiliate partners may share data about your interactions (e.g., clicks on affiliate links leading to purchases). We may also receive data from analytics providers, advertising networks, or social media platforms if you interact with our content there.

3. How We Use Your Information

We use your information for the following purposes:

• To operate and improve the Site, including personalizing content and recommendations.
• To facilitate affiliate marketing, such as tracking referrals and commissions.
• To send promotional emails, newsletters, or marketing communications (with opt-in consent where required, e.g., under CAN-SPAM and GDPR).
• To analyze Site usage and trends.
• To respond to your inquiries or provide customer support.
• To comply with legal obligations, prevent fraud, and enforce our terms.
• For targeted advertising, including interest-based ads (subject to your consent or opt-out rights).

Under GDPR, our legal bases for processing include: consent (e.g., for cookies), legitimate interests (e.g., Site analytics), contract performance (e.g., if you enter a promotion), and legal compliance.

Under CCPA and similar U.S. laws, we use data for business purposes like auditing, security, and short-term transient use.

4. Sharing and Disclosure of Information

We may share your information with:

• Affiliate Partners: To track referrals and attribute commissions (e.g., sharing click data or anonymized identifiers).
• Service Providers: Third-party vendors for hosting, analytics (e.g., Google), email services, payment processing (if applicable), and advertising.
• Business Transfers: In the event of a merger, acquisition, or sale of assets.
• Legal Requirements: To comply with laws, respond to subpoenas, or protect rights (e.g., in response to government requests).
• With Your Consent: For any other purpose disclosed at the time of collection.

We do not "sell" personal information as defined under CCPA (e.g., we do not exchange data for monetary consideration), but sharing with affiliates or ad networks may qualify as "sharing" for behavioral advertising. California residents can opt out of such sharing (see Section 6).

For EU/EEA users, we ensure third parties provide adequate data protection under GDPR.

5. Data Retention

We retain personal information only as long as necessary for the purposes outlined above, or as required by law. For example:

• Analytics data: Up to 26 months.
• Contact information: Until you unsubscribe or request deletion.

We delete or anonymize data when no longer needed.

6. Your Rights and Choices

You have rights regarding your personal information, depending on your location:

All Users

• Opt out of marketing emails via the unsubscribe link.
• Manage cookies through browser settings or our consent tool.
• Access, correct, or delete your data by contacting us.

EU/EEA/UK Users (GDPR)

• Access, rectification, erasure ("right to be forgotten"), restriction, portability, and objection to processing.
• Withdraw consent at any time (without affecting prior processing).
• Lodge a complaint with your local data protection authority (e.g., ICO in the UK).

California Residents (CCPA/CPRA)

• Right to know what personal information we collect, use, disclose, or sell/share.
• Right to delete personal information.
• Right to opt out of sale/sharing (including for targeted advertising).
• Right to correct inaccurate information.
• Right to limit use of sensitive personal information.
• Non-discrimination for exercising rights.

We respond to verifiable requests within 45 days (extendable to 90). Use the contact below; we may require identity verification.

In the past 12 months, we have collected the categories listed in Section 1 from sources in Section 2, used them as in Section 3, and disclosed them to categories in Section 4 for business purposes. We do not sell personal information but may share for advertising.

Other U.S. State Residents

Similar rights under VCDPA, CPA, CTDPA, UCPA, including opt-out from targeted advertising, profiling, and sale.

To exercise rights, contact us at [email protected]. We do not use automated decision-making that produces legal effects.

7. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your information, such as encryption, access controls, and secure servers. However, no system is 100% secure, and we cannot guarantee absolute security.

8. International Data Transfers

Our servers are located in the United States. For EU/EEA/UK users, transfers outside the EEA are protected by Standard Contractual Clauses, adequacy decisions, or other GDPR-approved mechanisms to ensure equivalent protection.

9. Children's Privacy

Our Site is not directed to children under 13 (or 16 in some jurisdictions). We do not knowingly collect personal information from children. If we learn we have collected such data, we will delete it. Parents/guardians can contact us to review or delete children's data. We comply with COPPA.

10. Third-Party Links and Services

The Site contains affiliate links to third-party sites. We are not responsible for their privacy practices. Review their policies before providing information.

11. Changes to This Privacy Policy

We may update this policy periodically. Changes will be posted here with the updated effective date. Continued use of the Site constitutes acceptance. For material changes, we may notify you via email or Site notice.

12. Contact Us

For questions or to exercise rights, contact:

• Email: [email protected]
• Mailing Address: Boston, MA, USA

For GDPR purposes, our Data Protection Officer can be reached at the above email.