Privacy Policy
Welcome to BeFluentInFinance.com (“Site”). We respect your privacy and are committed to protecting the personal information you share with us. This Privacy Policy explains how Fluent In Finance LLC (“we,” “our,” or “us”) collects, uses, discloses, and safeguards your information when you visit the Site, subscribe to our newsletter, or interact with our services.
1. Who We Are
Fluent In Finance LLC
2. Information We Collect
| Category | Examples | Source |
|---|---|---|
| Personal Identifiers | Name, email address | Provided by you via sign‑up forms |
| Payment Information | Limited data (last 4 digits, expiration) handled by Stripe; we never store full card numbers | Provided during checkout via Stripe |
| Usage Data | IP address, browser type, pages visited, time spent | Collected automatically via GA4 & cookies |
| Tracking Data | Ad cookies, Amazon Associates referral IDs | Set by Google AdSense & Amazon |
Children: We do not knowingly collect data from anyone under 13. If you believe we have done so, contact us immediately.
3. How We Use Your Information
- Provide Services: deliver newsletters, process transactions, respond to enquiries.
- Improve Site: monitor analytics, debug, and test new features.
- Marketing: send updates or offers you opt into; you may unsubscribe at any time.
- Security & Compliance: detect fraud, enforce our Terms, and comply with legal obligations.
Legal Bases for EU/EEA Users
- Consent for newsletter emails and optional cookies.
- Contract to provide paid products.
- Legitimate Interests in improving services and preventing fraud.
- Legal Obligations where regulators require disclosure.
4. Cookies & Tracking Technologies
We use essential cookies for site security and analytics/ad cookies for measuring traffic and displaying personalized ads. You can manage non‑essential cookies via your browser or the on‑site banner.
5. Third‑Party Processors
| Service | Purpose | Policy |
| Substack | Email delivery & list management | https://substack.com/privacy |
| Stripe | Secure payment processing | https://stripe.com/privacy |
| Google Analytics 4 | Traffic analytics | https://policies.google.com/privacy |
| Google AdSense | Ad placement & personalization | https://policies.google.com/technologies/ads |
| Amazon Associates | Affiliate link tracking | https://affiliate-program.amazon.com/help/operating/agreement |
These providers may process or store your data outside the United States, including in the EU. Each participates in Standard Contractual Clauses or comparable safeguards for international transfers.
6. Data Retention
- Subscriber Data: retained until you unsubscribe, then deleted or anonymized within 12 months.
- Payment Records: kept for 7 years to satisfy bookkeeping laws.
- Cookies: expire between 1 day and 24 months, depending on type.
7. Your Rights
If you reside in the EU/EEA
You may request access, rectification, erasure, restriction, portability, or object to processing at any time. Email us at [email protected].
If you reside in California (CCPA/CPRA)
You have the rights to know, delete, and opt‑out of the sale or sharing of personal information. We do not sell personal information. To exercise rights, email us or use the footer link labeled “California Privacy Choices.”
8. Security
We secure the Site using SSL/TLS encryption, Cloudflare DDoS protection, firewalls, access controls, and regular software updates. No system is 100% secure, but we strive to protect your data using industry best practices.
9. International Transfers
Your information may be transferred to—and maintained on—servers located outside your state, province, or country. Where required, we rely on Standard Contractual Clauses or your consent for such transfers.
10. Links to Other Sites
The Site may contain affiliate or external links. We are not responsible for the content or privacy practices of those websites.
11. Changes to This Policy
We will post any changes on this page and update the “Last Updated” date. For material changes, we will additionally notify subscribers via email and/or display a prominent banner on the Site.
12. Contact
For any privacy‑related questions or requests, email [email protected].