Privacy Policy

Last Updated: July 10, 2026

Smart Penny Guide (“Smart Penny Guide,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how information may be collected, used, disclosed, and protected when you visit smartpennyguide.com or interact with related features, communications, and services that link to this Policy collectively, the “Site”).

Smart Penny Guide publishes educational editorial content about borrowing, earning, saving, and other everyday personal finance topics. This Policy applies only to information collected through the Site. It does not govern the practices of third-party websites, advertisers, financial institutions, or services linked from the Site.

By using the Site, you acknowledge the practices described in this Privacy Policy.

1. Information We May Collect

The information collected through the Site depends on how you use it.

Information You Provide

You may choose to provide information when you:

• Contact us by email or through a contact form;
• Subscribe to an email newsletter, if one is offered;
• Submit a question, comment, suggestion, or other content;
• Respond to a survey or reader-feedback request, if available; or
• Otherwise communicate directly with us.

This information may include your name, email address, message, and any other details you voluntarily provide.

Please do not submit bank account numbers, payment card information, Social Security numbers, login credentials, or other sensitive financial or identifying information. Smart Penny Guide is an editorial website and does not need this information to answer general reader questions.

Information Collected Automatically

When you visit the Site, certain technical and usage information may be collected automatically, including:

• Internet Protocol address;
• Browser and device type;
• Operating system;
• Referring and exit pages;
• Pages viewed and links selected;
• Date, time, and approximate duration of visits;
• General geographic information derived from an IP address; and
• Information collected through cookies, pixels, local storage, and similar technologies.

This information helps us understand how the Site is used, maintain its performance, improve its content, and support advertising and analytics.

Information From Service Providers

We may receive information from companies that provide services for the Site, including website hosting, analytics, advertising, email delivery, security, and technical support. The information available to us depends on the service and its settings.

2. How We May Use Information

We may use information collected through the Site to:

• Operate, maintain, secure, and improve the Site;
• Develop and evaluate editorial content;
• Understand how readers use and navigate the Site;
• Respond to questions, requests, and feedback;
• Send newsletters or other communications a reader has requested;
• Manage email preferences and unsubscribe requests;
• Detect technical problems, misuse, fraud, or security threats;
• Measure Site traffic, engagement, and advertising performance;
• Comply with applicable legal obligations;
• Protect the rights, safety, and integrity of the Site, its readers, and others; and
• Support a business transfer, reorganization, or similar transaction if the Site’s ownership or operation changes.

We may also use aggregated or de-identified information that does not reasonably identify an individual for analytics, reporting, editorial planning, and other legitimate business purposes.

3. Cookies and Similar Technologies

The Site and its service providers may use cookies, pixels, tags, local storage, and similar technologies.

These technologies may be used to:

• Keep the Site functioning properly;
• Remember preferences;
• Understand Site traffic and reader behavior;
• Identify technical errors;
• Measure the performance of content and advertising;
• Prevent fraud or misuse; and
• Deliver or measure advertisements.

Cookies do not necessarily identify you by name, but they may recognize a browser or device over time.

You can usually control cookies through your browser settings. Blocking or deleting cookies may affect certain Site features and may not prevent all forms of measurement or advertising.

Where required, the Site may provide additional cookie or consent controls.

4. Analytics

Smart Penny Guide may use Google Analytics or similar third-party analytics services to better understand Site traffic and usage.

These providers may collect information such as your IP address, device information, pages viewed, visit duration, and interactions with the Site. They may use cookies or similar technologies to provide their services.

Analytics information is used to evaluate Site performance, identify useful content, improve navigation, and understand general readership patterns.

The collection and use of information by an analytics provider is also governed by that provider’s own privacy terms and settings.

5. Advertising

Smart Penny Guide may display advertisements, including advertisements provided through Google AdSense or other third-party advertising services.

Advertising providers may use cookies, device identifiers, pixels, and similar technologies to:

• Select and display advertisements;
• Limit how often an advertisement appears;
• Measure advertisement performance;
• Detect invalid traffic or fraud;
• Understand interactions with advertisements; and
• Provide interest-based or personalized advertising where permitted.

Depending on your location, consent choices, browser settings, and the advertising provider’s practices, advertisements may be personalized or non-personalized.

Advertising partners may collect information directly from your browser or device. Smart Penny Guide does not control all information collected by these third parties or how they combine it with information obtained elsewhere.

Opting out of personalized advertising generally does not remove advertisements. It may result in advertisements that are less tailored to your interests.

6. How Information May Be Shared

We may disclose information in the following circumstances:

Service Providers

Information may be shared with companies that perform services for the Site, such as hosting, analytics, advertising, email delivery, security, and technical support. These providers may access information only as necessary to perform their services, subject to their agreements and legal obligations.

Advertising and Analytics Providers

Information such as cookie identifiers, device information, IP addresses, and Site interaction data may be collected or received by advertising and analytics providers as described in this Policy.

Legal and Safety Reasons

Information may be disclosed when reasonably necessary to:

• Comply with applicable law, legal process, or a valid governmental request;
• Enforce Site policies or protect legal rights;
• Investigate suspected fraud, abuse, or security incidents; or
• Protect the safety of Smart Penny Guide, its readers, or others.

Business Changes

Information may be transferred as part of a merger, acquisition, sale, restructuring, financing, bankruptcy, or transfer of all or part of the Site or its assets.

7. Sale, Sharing, and Targeted Advertising

Based on the information currently available, Smart Penny Guide does not sell personal information in exchange for money.

However, certain uses of advertising cookies or identifiers may be treated as “sharing,” “targeted advertising,” or a “sale” under some state privacy laws, even when no money is exchanged for the information.

Where applicable law provides the right to opt out of these activities, readers may exercise that right through any privacy controls made available on the Site or by contacting us at info@smartpennyguide.com.

8. Email Communications

If you subscribe to an email list, you may receive the communications you requested.

You can unsubscribe from promotional emails by selecting the unsubscribe link included in the message. We may still send non-promotional messages when reasonably necessary to respond to a request, confirm a preference, or address a Site-related matter.

9. Your Privacy Choices and Rights

Depending on where you live, you may have the right to:

• Request access to certain personal information;
• Request correction of inaccurate information;
• Request deletion of personal information;
• Obtain a portable copy of certain information;
• Opt out of targeted advertising or certain disclosures;
• Withdraw consent where processing relies on consent; and
• Appeal a decision concerning a privacy request where required by law.

These rights may be subject to legal exceptions and verification requirements.

To submit a request, email info@smartpennyguide.com with the subject line “Privacy Request.” Please describe the request clearly and identify the email address or other information associated with your interaction with the Site.

We may request additional information to verify your identity and protect personal information from unauthorized access. Authorized agents may submit requests where permitted by law, subject to verification of their authority.

We will respond within the period required by applicable law.

10. California Privacy Information

California residents may have rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act, and other applicable California privacy laws.

Subject to applicable requirements and exceptions, these rights may include the right to know, access, correct, delete, and obtain certain information, as well as the right to opt out of the sale or sharing of personal information and to limit certain uses of sensitive personal information.

Smart Penny Guide does not knowingly discriminate against readers for exercising applicable privacy rights.

California residents may submit a request by emailing info@smartpennyguide.com.

11. Data Retention

We may retain information for as long as reasonably necessary to fulfill the purposes described in this Policy, maintain Site operations, comply with legal obligations, resolve disputes, prevent fraud, and enforce agreements.

Retention periods may vary depending on the nature of the information, why it was collected, and applicable legal or operational requirements.

Aggregated, de-identified, backup, or archival information may be retained for longer where reasonably necessary and permitted by law.

12. Information Security

We use reasonable administrative, technical, and organizational measures intended to protect information from unauthorized access, misuse, alteration, or disclosure.

No website, storage system, or internet transmission is completely secure. We therefore cannot guarantee that information will never be accessed, lost, altered, or disclosed without authorization.

13. Children’s Privacy

The Site is intended for a general audience and is not directed to children under 13.

We do not knowingly collect personal information from children under 13. If you believe a child has provided personal information through the Site, contact us at info@smartpennyguide.com so the matter can be reviewed.

14. Third-Party Websites and Services

The Site may contain links to financial institutions, advertisers, product providers, publishers, tools, or other third-party websites and services.

Smart Penny Guide does not control the privacy, security, accuracy, or data-handling practices of these third parties. A link does not necessarily indicate endorsement.

Before providing information to another website or service, review its privacy policy and terms.

15. Browser Privacy Signals

Some browsers and devices offer privacy signals or settings, including cookie controls, “Do Not Track” signals, and opt-out preference signals.

Because standards and legal requirements vary, the Site’s response may depend on the technology used, available Site controls, and applicable law. Where legally required and technically supported, valid opt-out preference signals may be recognized.

16. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in the Site, its services, its technology providers, or applicable requirements.

The revised version will be posted on this page with an updated “Last Updated” date. Material changes may also be communicated through the Site or by another reasonable method where appropriate.

17. Contact Us

Questions, requests, or concerns about this Privacy Policy may be sent to:

Smart Penny Guide

Email: info@smartpennyguide.com

Website: smartpennyguide.com