How MoneySphere collects, uses, stores, and protects your personal information when you use our website and tools.
Last Updated: January 15, 2026
This Privacy Policy explains how MoneySphere Media LLC ("MoneySphere," "we," "us," or "our") handles personal data collected from visitors to our website at moneysphere.com and all associated subdomains, tools, and services. MoneySphere Media LLC is the data controller responsible for your personal information. Our registered address is 350 Fifth Avenue, Suite 4200, New York, NY 10118, United States.
We are committed to protecting your privacy and processing your data in a transparent, lawful, and fair manner. This policy applies to all individuals who visit our website, subscribe to our newsletter, use our financial calculators, or otherwise interact with our services. It does not apply to third-party websites that we may link to from our content. We encourage you to review the privacy policies of any external sites you visit.
By accessing or using MoneySphere, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with our data practices described here, we ask that you discontinue use of our website. This policy was drafted in compliance with the General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA), and other applicable privacy laws.
We collect several types of information depending on how you interact with our website. The categories of personal data we may collect include:
We collect personal data through several methods, each serving a specific and clearly defined purpose:
Forms on our website: When you subscribe to our newsletter, send a message through our contact page, or request calculator results via email, you actively provide us with information. Each form clearly indicates which fields are required and what the data will be used for.
Cookies and similar technologies: We use first-party cookies to remember your preferences (such as cookie consent status) and third-party cookies from analytics services. Our cookie consent banner allows you to accept or reject non-essential cookies before they are placed on your device.
Google Analytics: We use Google Analytics to understand how visitors interact with our website. This service collects anonymized usage data including page views, session duration, bounce rates, and traffic sources. Google Analytics uses cookies and processes data on Google's servers. We have enabled IP anonymization, which means your full IP address is never stored by Google Analytics.
Server logs: Our web hosting provider automatically records server access logs that include your IP address, the date and time of your request, the page requested, HTTP status codes, and the referring URL. These logs are used for security monitoring, debugging technical issues, and preventing unauthorized access to our systems.
Meta Pixel: If you arrive at our website through a Facebook or Instagram advertisement, the Meta Pixel may collect data about your visit to measure the effectiveness of our advertising campaigns. This pixel records page views and specific actions but does not collect form data or financial information you enter into our calculators. You can control Meta tracking through your Facebook privacy settings or by rejecting marketing cookies on our website.
Under the General Data Protection Regulation (GDPR), we must have a valid legal basis for processing your personal data. The specific legal bases we rely on depend on the type of data and the purpose of processing:
We rely on your consent to send you marketing communications such as our weekly newsletter. You provide this consent by voluntarily entering your email address and clicking the subscribe button. We also rely on consent for placing non-essential cookies (analytics and marketing cookies) on your device. You can withdraw your consent at any time by unsubscribing from emails or changing your cookie preferences.
We rely on our legitimate interest to collect anonymized analytics data that helps us understand how visitors use our website. This data allows us to improve our content, fix technical issues, and provide a better user experience. We have conducted a legitimate interest assessment and determined that this processing is proportionate, expected by users, and does not override your fundamental rights. We also rely on legitimate interest for fraud prevention and security monitoring through server logs.
When you submit a contact form requesting information about our services, we process your name and email address to respond to your inquiry. This processing is necessary to take steps at your request prior to or in connection with the provision of our services.
In certain circumstances, we may need to retain or process data to comply with legal obligations, such as tax record-keeping requirements, responding to lawful requests from government authorities, or preserving evidence in connection with legal proceedings.
We use the personal data we collect for the following clearly defined purposes:
We do not use your personal data for automated decision-making or profiling that produces legal effects or similarly significant effects on you.
We retain personal data only for as long as necessary to fulfill the purposes described in this policy. The specific retention periods for each category of data are:
| Data Category | Retention Period | Reason |
|---|---|---|
| Contact form submissions | 2 years | To maintain a record of communication and follow up if needed |
| Newsletter subscriber data | Until you unsubscribe, plus 30 days | Active delivery of newsletter; 30-day buffer to process deletion |
| Analytics cookies | 13 months | Industry standard for web analytics measurement cycles |
| Essential cookies | 12 months | To remember consent preferences and basic site functionality |
| Server access logs | 90 days | Security monitoring and incident investigation |
| Marketing cookies (Meta Pixel) | 180 days | Advertising campaign measurement window |
When the retention period expires, we securely delete or anonymize the data so that it can no longer be associated with you. If you request deletion of your data before the retention period ends, we will process your request within 30 days unless a legal obligation requires us to retain the information.
We do not sell, rent, or trade your personal information to any third party. We share personal data only with the following categories of service providers who assist us in operating our website and delivering our services:
Each third-party service provider is contractually obligated to protect your data and use it solely for the purposes we have specified. We conduct due diligence to ensure our providers maintain appropriate security measures and comply with applicable data protection regulations.
We may also disclose personal data if required to do so by law, such as in response to a subpoena, court order, or request from a regulatory authority. In such cases, we will disclose only the minimum information necessary to comply with the legal requirement.
MoneySphere is based in the United States, and our primary servers are located within the US. If you are visiting from outside the United States, including from the European Economic Area (EEA), the United Kingdom, or other regions with data protection laws, please be aware that your data will be transferred to and processed in the United States.
Where we transfer personal data from the EEA or UK to the United States or other countries that have not received an adequacy decision from the European Commission, we ensure that appropriate safeguards are in place. These safeguards include:
You may request a copy of the safeguards we have in place by contacting us using the details provided in Section 13.
Under the GDPR and other applicable data protection laws, you have specific rights regarding your personal data. We respect these rights and will process your requests within 30 days of receipt:
You may request a copy of all personal data we hold about you, along with information about how we process it.
You may request correction of any inaccurate or incomplete personal data we hold about you.
You may request deletion of your personal data when it is no longer needed for its original purpose or when you withdraw consent.
You may request that we restrict processing of your data while we verify its accuracy or assess your objection to processing.
You may request your data in a structured, machine-readable format so you can transfer it to another service provider.
You may object to processing based on legitimate interest. We will stop unless we have compelling legitimate grounds that override your interests.
Withdrawing consent: Where we process data based on your consent, you have the right to withdraw that consent at any time. For newsletter subscriptions, click the "Unsubscribe" link in any email. For cookies, clear your browser cookies and revisit our site to update your preferences through the cookie consent banner. Withdrawing consent does not affect the lawfulness of processing carried out before the withdrawal.
To exercise any of these rights, send an email to [email protected] with the subject line "Data Rights Request." We may ask you to verify your identity before processing your request to prevent unauthorized access. If you believe we have not adequately addressed your concern, you have the right to lodge a complaint with your local data protection supervisory authority.
MoneySphere is not directed at children under the age of 16. We do not knowingly collect, solicit, or store personal data from anyone under 16 years old. Our financial education content is designed for adults who are making personal financial decisions about budgeting, investing, debt management, and retirement planning.
If we become aware that we have collected personal data from a child under 16 without verified parental consent, we will take immediate steps to delete that information from our records. If you are a parent or guardian and believe your child has provided us with personal data, please contact us at [email protected] and we will promptly address the situation.
We may update this Privacy Policy from time to time to reflect changes in our data practices, legal requirements, or operational procedures. When we make material changes, we will take reasonable steps to notify you, including:
We encourage you to review this page periodically to stay informed about how we protect your data. Your continued use of our website after any changes to this policy constitutes your acceptance of the updated terms.
If you have questions about this Privacy Policy, want to exercise your data rights, or wish to raise a concern about our data practices, you can reach us through the following channels:
Data Controller
MoneySphere Media LLC
Address
350 Fifth Avenue, Suite 4200, New York, NY 10118, United States
Privacy Email
[email protected]General Contact Email
[email protected]Phone
+1 (212) 555-0187We aim to respond to all privacy-related inquiries within 5 business days. For formal data rights requests (access, deletion, portability), we will provide a substantive response within 30 days as required by the GDPR.