Privacy policy.

Effective Date: 19 October 2025

At Let’s Talk Money, operated by Kathryn Brown, your privacy is important to us. This Privacy Policy explains how we collect, use, and protect your personal information when you visit our website at www.lets-talk-money.com (the “Site”).

By using the Site, you agree to the terms of this Privacy Policy.

1. Information We Collect

We collect information from you in the following ways:

a. Personal Information You Provide Voluntarily

  • Email address (when you subscribe to our newsletter or contact us)

  • Name (optional, when subscribing or commenting)

  • Comments (posted publicly on blog articles)

b. Automatically Collected Information

  • IP address

  • Browser type and version

  • Referring website

  • Pages visited and time spent

  • General location data (e.g., country or city)

This data is collected using tools like Google Analytics or similar services to understand site usage and improve the user experience.

2. How We Use Your Information

We may use the information we collect to:

  • Send you newsletters and updates (if you subscribe)

  • Respond to inquiries or comments

  • Improve the Site’s content, layout, and functionality

  • Monitor and analyze trends and usage

  • Prevent spam, fraud, or abuse

3. Email Communications

If you sign up for our newsletter, you’ll occasionally receive emails related to:

  • New blog posts

  • Special offers or promotions

  • Recommended tools or services (may include affiliate links)

You can unsubscribe at any time using the unsubscribe link in each email.

We use a third-party email service (such as Mailchimp, ConvertKit, etc.) to manage our email list. Your email will never be sold or shared without your consent.

4. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our site.

Cookies may:

  • Remember your preferences

  • Enable comment functionality

  • Help serve personalized ads

  • Provide analytics about site usage

You can disable cookies in your browser settings, though this may limit your experience on the Site.

5. Third-Party Services

We use third-party services for advertising, analytics, and affiliate tracking. These third parties may collect or receive information about your use of the Site through cookies or other tracking technologies.

These include but are not limited to:

  • Google Analytics

  • Affiliate networks (e.g., Amazon Associates, ShareASale, etc.)

  • Email service providers (e.g., Mailchimp, ConvertKit)

We do not control third-party data collection and encourage you to review their privacy policies.

6. Comments

When you leave a comment on the blog:

  • We collect the data shown in the comment form (e.g., name, email, comment)

  • Your IP address and browser user agent string may be collected for spam detection

Comments are public. Please avoid sharing personal or sensitive information in your comments.

7. Affiliate Disclosure

Let’s Talk Money participates in affiliate programs, which means we may earn a commission if you click on an affiliate link and make a purchase. These programs use tracking cookies to attribute purchases. This occurs at no additional cost to you.

8. Children’s Privacy

This Site is not intended for children under the age of 13. We do not knowingly collect personal information from children. If you believe your child has provided us with personal information, please contact us immediately.

9. Data Security

We take reasonable steps to protect your information. However, no method of transmission over the internet or electronic storage is 100% secure.

10. Your Rights

Depending on your location, you may have the right to:

  • Access or update your personal data

  • Request deletion of your data

  • Opt out of communications

  • Withdraw consent to data processing (where applicable)

To make a request, contact us via email.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with a new effective date. Your continued use of the Site after changes are posted constitutes acceptance of the revised policy.