Privacy Policy

This Privacy Policy explains how Smart Money Guide ("we," "us," "our") collects, uses and shares information when you visit smartmoneyguideus.com (the "Site") or subscribe to our newsletter. By using the Site, you agree to the collection and use of information in accordance with this policy.

1. Information we collect

We collect information in a few limited ways:

• Information you provide directly: your email address when you subscribe to the free newsletter, upgrade to Wealth Builder, download a free guide, or contact us.
• Automatically collected information: standard technical data such as browser type, device type, approximate location (derived from IP address), pages visited and time spent on the Site, collected through cookies and similar technologies.
• Payment information: if you subscribe to a paid plan, payment is processed by a third-party payment processor. We do not store your full card number on our servers.

2. How we use your information

• To deliver the newsletter issues and free guides you've requested.
• To respond to questions sent to our contact addresses.
• To understand how readers use the Site so we can improve it.
• To detect and prevent fraud, abuse and security incidents.
• To comply with legal obligations.

We do not sell your email address to third parties, and we do not share your individual reading history with advertisers.

3. Cookies and advertising

This Site uses cookies and similar tracking technologies to operate, and may work with third-party advertising vendors, including Google, in the future. If ads are served on this Site through Google AdSense, Google and its partners may use cookies (including the DoubleClick DART cookie) to serve ads based on your prior visits to this Site and other sites on the internet.

• You may opt out of personalized advertising by visiting Google's Ads Settings.
• You can also opt out of a third-party vendor's use of cookies for personalized advertising by visiting www.aboutads.info.
• Third-party vendors, including Google, use cookies to serve ads based on a user's prior visits to this Site or other websites. Google's use of advertising cookies enables it and its partners to serve ads based on your visit to this Site and/or other sites on the internet.

Most browsers let you block or delete cookies through their settings. Blocking cookies may affect how parts of the Site function.

4. Third-party services

We use a limited number of third-party services to operate the Site, which may collect information under their own privacy policies:

• Google Fonts — used to load the typefaces on this page.
• Email delivery provider — used to send newsletter issues to subscribers.
• Payment processor — used to process Wealth Builder subscription payments.
• Google AdSense — may be used to display advertising, subject to Google's own privacy and cookie practices.

5. Data retention

We retain your email address for as long as you remain subscribed, and for a reasonable period afterward to comply with legal, accounting or reporting requirements. You can request deletion at any time (see Section 7).

6. Children's privacy

The Site 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 with personal information, contact us and we will delete it.

7. Your rights and choices

• Unsubscribe from the newsletter at any time using the link in any issue.
• Request a copy of the personal data we hold about you.
• Request correction or deletion of your personal data.
• Opt out of personalized advertising using the links in Section 3.

To exercise any of these rights, email ventasdigitales334@gmail.com.

8. Changes to this policy

We may update this Privacy Policy from time to time. Material changes will be reflected by updating the "Last updated" date at the top of this page.

9. Contact us

Questions about this policy can be sent to ventasdigitales334@gmail.com.