Privacy Policy

RealMoneyFacts ("we," "us," or "our") operates realmoneyfacts.com and sells digital personal finance products including ebooks, interactive web-based tools, and planning worksheets. This Privacy Policy explains what information we collect, how we use it, and what rights you have over it.

By using our website or purchasing our products, you agree to the practices described in this policy. Questions? Email hello@realmoneyfacts.com.

Information you provide directly:

• Name and email address when you purchase a product or sign up for updates
• Payment information processed securely by PayPal or Stripe — we never store your card details
• Any messages you send us via email or contact forms

Information collected automatically:

• IP address and general location (country/region level only)
• Browser type and device information
• Pages visited and time spent on our site (via analytics tools)
• Referring website or source that brought you to our site

• To deliver your purchase — sending download links, tool access links, and order confirmations to the email you provided
• To send follow-up emails — post-purchase sequences with tips related to content you bought (you can unsubscribe at any time)
• To improve our products — understanding which content is most useful to our readers
• To prevent fraud — verifying that transactions are legitimate
• To comply with legal obligations — tax records and required disclosures

The Financial Leak Finder and 30-Day Expense Tracker are web-based tools that run entirely in your browser using standard web technology.

• All data you enter (expenses, income, budget goals) is stored in your browser's local storage on your own device
• This data never leaves your device — it is not transmitted to our servers or any third party
• We cannot access, view, or recover any data you enter into these tools
• Clearing your browser cache or cookies will delete any data stored by these tools
• We recommend not entering sensitive account numbers or passwords into any web tool

When you purchase from us, your email address is added to our post-purchase sequence — a series of emails related to the content you bought, sent through Systeme.io.

You can unsubscribe at any time by clicking the unsubscribe link in any email we send. We do not purchase email lists. We do not share your email address with third parties for marketing purposes.

We do not sell, rent, or trade your personal information. We share data only with the following service providers:

• Systeme.io — our sales funnel and email platform
• PayPal — payment processing, subject to PayPal's own privacy policy
• Stripe — payment processing, subject to Stripe's own privacy policy
• Google Analytics — website traffic analysis, data is anonymized and aggregated

Our website uses cookies to improve your experience and track basic analytics:

• Essential cookies — required for the website to function (shopping cart, session management, countdown timer state)
• Analytics cookies — anonymous data about how visitors use our site (Google Analytics)

Note: The browser storage used by our interactive tools is separate from cookies and is not used for tracking — it exists solely to save your data between sessions within the tools themselves.

Depending on where you live, you have the following rights:

• Right to access — request a copy of the personal data we hold about you
• Right to correction — request that inaccurate data be corrected
• Right to deletion — request that we delete your personal data
• Right to opt out — opt out of marketing emails at any time via the unsubscribe link
• Right to data portability — request your data in a portable format

To exercise any of these rights, email hello@realmoneyfacts.com. We will respond within 30 days.

We take reasonable measures to protect your personal information:

• SSL/TLS encryption on all pages that collect personal data
• Payment processing handled entirely by PCI-compliant providers (PayPal, Stripe)
• Access to customer data limited to essential personnel only
• Interactive tool data stored locally in your browser — never on our servers

Our products and services are intended for adults aged 18 and older. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected such information, contact us at hello@realmoneyfacts.com and we will delete it immediately.

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. For significant changes, we will notify customers via email. Continued use of our website or products after changes are posted constitutes acceptance of the updated policy.