1. Who We Are
CentsForward ("we", "us", "our") operates the website at https://centsforward.com/. We are a personal finance education blog. If you have questions about this policy, contact us at hello@centsforward.com.
2. Information We Collect
Information you provide voluntarily
- Newsletter signup: When you subscribe to our email newsletter we collect your email address. We use a third-party service (Beehiiv) to manage our list.
- Contact form: When you contact us we collect your name, email address, and message content.
- Comments: If you leave a comment on a post, we collect your name, email, and comment content. Your email is not published publicly.
Information collected automatically
- Usage data: We use Google Analytics (or similar analytics tools) to collect anonymous data about how visitors use this site - pages visited, time on page, device type, and general geographic location. This data does not identify you personally.
- Cookies: This site uses cookies for basic functionality and analytics. See Section 6 for details.
- Server logs: Our hosting provider automatically collects standard log data including IP addresses, browser type, and pages requested.
3. How We Use Your Information
- To send you the newsletter you subscribed to
- To respond to your messages and inquiries
- To improve content and site experience based on anonymous analytics data
- To protect the security and integrity of our site
- To comply with legal obligations
We do not sell your personal information to third parties. We do not use your data for advertising profiling.
4. Third-Party Services
We use the following third-party services that may process your data:
- Beehiiv - email newsletter delivery (Privacy Policy)
- Google Analytics - anonymous site analytics (Privacy Policy)
- Hostinger - web hosting and server infrastructure
- Formspree - contact form processing (Privacy Policy)
- Affiliate networks - if you click an affiliate link, those third parties may use cookies to track referrals
5. Affiliate Links
Some posts and pages on this site contain affiliate links. If you click an affiliate link and make a purchase, we may earn a commission. Clicking these links may place cookies on your device from the advertiser. We have no control over third-party cookie practices. See our full Affiliate Disclosure for more information.
6. Cookies
Cookies are small text files placed on your device. This site uses:
- Essential cookies: Required for basic site functionality (WordPress login sessions, comment preferences).
- Analytics cookies: Used by Google Analytics to collect anonymous usage data. You can opt out via Google's opt-out tool.
- Third-party cookies: Set by affiliate networks and embedded content when you interact with them.
You can control cookies through your browser settings. Disabling cookies may affect some site functionality.
7. Data Retention
- Email subscribers: We retain your email address until you unsubscribe.
- Comments: Retained indefinitely unless you request removal.
- Contact form submissions: Retained for up to 12 months.
- Analytics data: Retained as per the analytics provider's policy (typically 14 months for Google Analytics).
8. Your Rights
Depending on your location, you may have the following rights:
- Access: Request a copy of personal data we hold about you
- Correction: Request we correct inaccurate data
- Deletion: Request we delete your personal data
- Opt-out: Unsubscribe from our newsletter at any time via the unsubscribe link in any email
- Portability: Request your data in a portable format
To exercise any of these rights, contact us at hello@centsforward.com.
9. Children's Privacy
This site is not directed at children under 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, contact us and we will delete it promptly.
10. Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will update the "Last updated" date at the top of this page. Continued use of the site after changes constitutes acceptance of the updated policy.
11. Contact
For any privacy-related questions, contact us at hello@centsforward.com or through our Contact page.