Privacy

PersonalOne ("we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit PersonalOne.org, use our mobile application, or interact with our content and services.

By using this Website, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with the terms of this policy, please do not access or use the Website. This policy may be updated from time to time. We will notify you of any significant changes by posting the updated policy on this page with a revised effective date.

1. Who We Are

PersonalOne is a personal finance education website dedicated to helping Millennials and Gen Z build financial systems that work. We provide free educational content, guides, tools, and resources related to banking, budgeting, credit building, debt management, investing, and related financial topics. PersonalOne is not a bank, financial institution, registered investment advisor, or credit repair organization. We do not manage accounts, hold funds, or provide personalized financial advice. For questions about this policy, contact us at info@personalone.org.

2. Information We Collect

We collect information you provide directly to us and information collected automatically when you use our Website.

Information You Provide Directly

When you interact with PersonalOne -- such as by signing up for our email list, submitting a contact form, leaving a comment, or requesting information -- you may provide us with information including your name, email address, phone number, and any other details you choose to include. We collect and store only the information necessary to fulfill the purpose for which it was submitted.

Information Collected Automatically

When you visit PersonalOne.org, we and our service providers may automatically collect certain technical and navigational information, including your device type, browser type and version, operating system, internet protocol (IP) address, general geographic location, pages viewed, links selected, date and time of your visit, and the website you visited before arriving at ours. This information is used to improve site functionality, analyze usage patterns, and enhance user experience.

Cookies and Similar Technologies

We use cookies and similar tracking technologies to operate and improve our Website. A cookie is a small data file stored on your device when you visit a website. We use session cookies (which expire when you close your browser) and persistent cookies (which remain on your device across sessions) to remember your preferences, analyze traffic, and support advertising functions. You may disable cookies through your browser settings, but doing so may limit certain features of the Website. For more detail on how to manage cookies, see Section 7 below.

3. How We Use Your Information

We use the information we collect for the following purposes:

To operate and improve the Website. We use automatically collected data to understand how our content is used, identify technical issues, improve site structure and functionality, and deliver a better user experience.

To communicate with you. If you submit your contact information, we may use it to respond to your inquiry, send you educational content you requested, or notify you of updates relevant to your interests. We will not sell your contact information to third parties.

To send marketing communications. With your consent, we may send you emails about new content, tools, or resources available on PersonalOne.org. You may opt out of marketing emails at any time by clicking the unsubscribe link in any email or by contacting us at info@personalone.org.

To display relevant advertising. We may use your information to serve interest-based advertising through third-party advertising platforms. See Section 6 for details.

To fulfill legal obligations. We may use or disclose your information as required by applicable law, regulation, legal process, or governmental request.

To prevent fraud and protect security. We use information to detect, investigate, and prevent fraudulent activity and security incidents affecting our Website and users.

4. How We Share Your Information

We do not sell your personal information. We may share your information in the following limited circumstances:

Service providers. We work with third-party service providers who assist us in operating the Website, sending emails, analyzing data, and delivering advertising. These providers are authorized to use your information only as necessary to perform services on our behalf and are required to maintain confidentiality.

Affiliate partners. If you click on an affiliate link on PersonalOne.org and complete a transaction, the affiliate partner may receive information necessary to process that transaction. See Section 5 for our affiliate disclosure policy. We do not share your personal data with affiliate partners beyond what is required for transaction processing.

Advertising platforms. We may share limited data -- such as hashed email addresses -- with advertising platforms including Meta (Facebook and Instagram) to deliver targeted advertising. We do not share full personal profiles with advertisers.

Legal requirements. We may disclose your information if required to do so by law, or if we believe in good faith that disclosure is necessary to comply with a legal obligation, protect our rights or property, prevent fraud, or protect the safety of our users or the public.

Business transfers. If PersonalOne is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you via email or prominent notice on our Website before your information is transferred and becomes subject to a different privacy policy.

5. Affiliate Links and Sponsored Content

PersonalOne participates in affiliate marketing programs. Some links on this Website are affiliate links, meaning we may earn a commission if you click through and complete a purchase or sign up for a service. Affiliate links are identified with an (affiliate) label adjacent to the link and use the rel="sponsored" attribute, in compliance with FTC guidelines.

Affiliate relationships do not result in any additional cost to you and do not influence our editorial content or recommendations. PersonalOne may review or recommend products and services with which we have no affiliate relationship, and may decline to promote products with which we do have a relationship if we do not believe they serve our members.

When you click an affiliate link and complete a transaction on a third-party website, that third party's privacy policy governs the collection and use of your information during that transaction. We encourage you to review the privacy policies of any third party before completing a transaction.

6. Interest-Based Advertising

We may engage third-party advertising partners to display ads tailored to your interests based on your online activity over time and across websites. These partners may use cookies, web beacons, and similar technologies to collect information about your visits to PersonalOne.org and other websites to serve you relevant advertisements.

We may use social media advertising tools -- including Meta Custom Audience and similar features -- to reach current and prospective readers on platforms such as Facebook and Instagram. When we use these tools, we may provide a hashed version of your email address to the platform, which the platform uses to match against its own user records. We do not provide your full personal profile or financial information to these platforms for advertising purposes.

We may also use retargeting tools -- including Yahoo Referral URL Retargeting and similar services -- to display PersonalOne content to users who have previously visited our Website.

To opt out of interest-based advertising, you may visit the Digital Advertising Alliance opt-out page at optout.aboutads.info or the Network Advertising Initiative opt-out page at optout.networkadvertising.org. You may also adjust ad settings directly within platforms such as Facebook and Google.

7. Cookies and Your Choices

You can control how cookies are set and stored on your device through your browser settings. Most browsers allow you to refuse new cookies, be notified when a cookie is set, or delete existing cookies. Instructions for managing cookies are available through your browser's help documentation.

Please note that blocking or deleting cookies may affect the functionality of certain features on PersonalOne.org, including saved preferences and some interactive tools.

Do Not Track. Our Website does not currently respond to "Do Not Track" browser signals. You may limit tracking through the steps described in Section 6 above.

8. Analytics

We use Google Analytics to help us understand how visitors use our Website. Google Analytics collects information such as how often users visit the site, what pages they visit, and what other sites they visited before coming to PersonalOne.org. We use this information to improve our Website content and user experience.

Google Analytics collects only the IP address assigned to you on the date you visit PersonalOne.org, not your name or other personally identifying information. We do not combine the information collected by Google Analytics with personally identifiable information.

We have also implemented Google reCAPTCHA on certain site features to prevent automated spam and abuse. reCAPTCHA analyzes visitor behavior -- including IP address, mouse movements, and session duration -- to determine whether an interaction is made by a human or an automated system. Use of reCAPTCHA is subject to Google's Privacy Policy and Terms of Service.

You can opt out of Google Analytics tracking by installing the Google Analytics Opt-Out Browser Add-on.

9. How We Safeguard Your Information

We take the security of your personal information seriously and implement appropriate technical and organizational measures to protect it from unauthorized access, disclosure, alteration, or destruction. These measures include data encryption, secure transmission protocols, and restricted internal access to personal information on a need-to-know basis.

However, no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

If you become aware of any suspicious activity involving your interaction with PersonalOne.org, or if you suspect your information has been compromised, please contact us immediately at info@personalone.org.

10. Third-Party Websites and Links

PersonalOne.org contains links to third-party websites and services, including affiliate partner sites, official government and regulatory sources, and other external references. When you leave our Website and visit a third-party site, this Privacy Policy no longer applies. We are not responsible for the privacy practices or content of third-party sites.

We encourage you to review the privacy policy of any third-party website you visit, especially before providing any personal information. The inclusion of a link on PersonalOne.org does not constitute an endorsement of the linked site or its privacy practices.

11. Social Media Features

Our Website may include social media sharing features -- such as share buttons for Facebook, Instagram, Pinterest, and other platforms. If you use these features, you may disclose information to those platforms and their users. These features are operated by the respective platforms and are governed by their privacy policies. Even if you do not interact with these features, the platforms may collect information about your visit through cookies or other tracking technologies embedded on our pages.

12. Children's Privacy

PersonalOne.org is not intended for or directed at children under the age of 16. We do not knowingly collect personal information from children under 16. If we become aware that we have inadvertently collected personal information from a child under 16 without verifiable parental consent, we will take steps to delete that information promptly. If you believe we may have collected information from a child under 16, please contact us at info@personalone.org.

13. Your Privacy Rights

Depending on your location, you may have certain rights with respect to your personal information, including the right to access, correct, or delete information we hold about you, the right to object to or restrict certain types of processing, and the right to data portability where applicable.

California residents may have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected and shared, the right to request deletion of personal information, and the right to opt out of the sale of personal information. PersonalOne does not sell personal information as defined under the CCPA.

To exercise any applicable rights or to ask questions about your personal information, please contact us at info@personalone.org. We will respond to verified requests within the timeframe required by applicable law.

14. Email Communications and Opt-Out

If you subscribe to PersonalOne's email list or otherwise consent to receive marketing communications, you will receive emails related to our content, tools, and resources. Each marketing email we send includes an unsubscribe link. You may opt out of marketing emails at any time by clicking that link or by contacting us at info@personalone.org.

Please note that even after you unsubscribe from marketing emails, we may still send you transactional or administrative communications related to your interactions with the Website where required or permitted by law.

15. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy at any time. When we make changes, we will revise the effective date at the top of this page. For material changes, we will provide additional notice such as a prominent Website notification or an email to subscribers. Your continued use of PersonalOne.org after any changes to this policy constitutes your acceptance of the updated terms. We encourage you to review this policy periodically.

16. Contact Us

If you have questions, concerns, or requests related to this Privacy Policy or the way we handle your personal information, please contact us:

Email: info@personalone.org