Privacy Policy

Last Updated: January 15, 2026

1. Introduction

Welcome to Smart Money Guide ("we," "our," or "us"). We are committed to protecting your privacy and ensuring you understand how your personal information is collected, used, and shared when you visit our website (the "Service").

This Privacy Policy explains our practices regarding the collection, use, and disclosure of information that we receive through our Service. By using our Service, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Information You Provide

We may collect information that you voluntarily provide to us, including:

• Contact information (such as name and email address) when you contact us
• Any other information you choose to provide through our contact forms

2.2 Information Collected Automatically

When you visit our Service, we automatically collect certain information, including:

• Device Information: Browser type, operating system, device type, screen resolution
• Log Data: IP address, access times, pages viewed, referring URL
• Location Information: General geographic location based on IP address
• Usage Information: How you interact with our Service, including clicks, scrolls, and time spent on pages

2.3 Information from Third Parties

We may receive information about you from third-party services, including:

• Analytics providers (such as Google Analytics)
• Advertising partners
• Social media platforms (if you interact with our content)

3. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our Service
• Respond to your inquiries and provide customer support
• Send you updates, newsletters, and marketing communications (with your consent)
• Analyze usage patterns to improve user experience
• Personalize content and advertisements
• Detect, prevent, and address technical issues and fraud
• Comply with legal obligations

4. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect and track information about your activity on our Service.

4.1 Types of Cookies We Use

• Essential Cookies: Required for the Service to function properly
• Analytics Cookies: Help us understand how visitors interact with our Service
• Advertising Cookies: Used to deliver relevant advertisements and track ad performance
• Preference Cookies: Remember your settings and preferences

4.2 Managing Cookies

You can control cookies through your browser settings. Please note that disabling cookies may affect the functionality of our Service.

5. Third-Party Services

Our Service may contain links to third-party websites and services. We are not responsible for the privacy practices of these third parties. We encourage you to read their privacy policies.

5.1 Third-Party Services We Use

• Google Analytics: For website analytics and performance tracking
• Google Ad Manager: For serving and managing advertisements
• Financial Product Partners: We link to credit card, loan, and insurance providers

6. Advertising

We use third-party advertising companies to serve ads when you visit our Service. These companies may use information about your visits to this and other websites to provide relevant advertisements.

6.1 Interest-Based Advertising

We participate in interest-based advertising, which allows us to show you ads based on your interests and browsing behavior. You can opt out of interest-based advertising by:

• Visiting the Network Advertising Initiative opt-out page
• Visiting the Digital Advertising Alliance opt-out page
• Adjusting your device's advertising settings

6.2 Google AdSense/Ad Manager

We use Google Ad Manager to serve advertisements. Google's use of advertising cookies enables it and its partners to serve ads based on your visit to our site and/or other sites on the Internet. You can opt out of personalized advertising by visiting Google Ads Settings.

7. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

8. Your Rights

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information
• Portability: Request a copy of your data in a portable format
• Opt-out: Opt out of marketing communications and certain data processing

To exercise any of these rights, please contact us using the information provided below.

8.1 California Residents (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect and the right to request deletion.

8.2 European Residents (GDPR)

If you are a resident of the European Economic Area, you have rights under the General Data Protection Regulation (GDPR), including the right to access, rectify, and erase your personal data.

9. Children's Privacy

Our Service is not intended for children under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. We encourage you to review this Privacy Policy periodically.

11. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us:

• Email: privacy@yourdomain.com
• Contact Page: Contact Us