Effective date: October 19, 2026
Information we collect
- Anything you send us directly (e.g. name and email if you contact us or comment).
- Automatically: IP address, browser type, pages visited, and time on site, collected via cookies.
Cookies
We use cookies to operate the site, remember preferences, and analyze traffic. You can disable cookies in your browser settings, though some features may stop working.
Advertising
We use third-party advertising partners. They may use cookies — including Google’s DoubleClick cookie — to show ads based on your visits to this and other sites. You can opt out of personalized ads in Google’s Ad Settings.
How we use information
To run and improve the site, respond to messages, and understand readership.
Third-party links
We link to external sites such as AnnualCreditReport.com and the CFPB. We’re not responsible for their privacy practices.
Children’s privacy
This site isn’t aimed at children under 13, and we don’t knowingly collect their data.
Changes & contact
We may update this policy; the current version stays posted here. Questions: Elesage11@gmail.com