Who We Are
This website, smartmoneywithkai.com ("the Site"), is operated by Smart Money with Kai ("I", "we", "us"). The Site provides personal finance and investing content for educational purposes. If you have questions about this policy, you can reach us at [email protected].
What Data We Collect
Email address
When you subscribe to our newsletter or download a free resource, we collect your email address. This is processed by Brevo (formerly Sendinblue), our email marketing provider. You can unsubscribe at any time using the link in every email.
Analytics data
We use Google Analytics 4 (GA4) to understand how visitors use the Site. GA4 collects anonymised data such as pages visited, session duration, approximate geographic location, device type, and referral source. Google Analytics uses cookies to distinguish unique users. No personally identifiable information is collected through GA4. You can opt out by using a browser extension like Google Analytics Opt-out.
Hosting and infrastructure
The Site is hosted on Cloudflare Pages. Cloudflare may collect standard server log data (IP address, browser type, pages requested) as part of delivering the Site and providing security features. For more details, see Cloudflare's Privacy Policy.
Embedded YouTube videos
Some pages embed videos from YouTube. When you load a page with an embedded video, YouTube may set cookies and collect data according to Google's Privacy Policy. We do not control what data YouTube collects through these embeds.
Affiliate links
Some links on the Site are affiliate links managed through Dub.co, a link management platform. When you click an affiliate link, Dub.co may collect basic click data (timestamp, referrer, country). This data is used for tracking commissions and is not linked to your personal identity. The destination sites (brokers, platforms) have their own privacy policies that apply once you leave our Site.
How We Use Your Data
- Email address - to send you the newsletter and any free resources you requested. We do not sell or share your email address with third parties.
- Analytics data - to understand which content is useful, improve the Site, and track overall traffic trends.
- Click data - to track affiliate commissions and understand which resources readers find helpful.
Cookies
The Site uses the following cookies:
- Google Analytics (_ga, _ga_*) - for measuring Site traffic. These are first-party analytics cookies.
- Theme preference (localStorage) - to remember your dark/light mode setting. This is stored locally in your browser and is not sent to any server.
- YouTube - if you interact with an embedded video, YouTube may set its own cookies.
We do not use advertising cookies or tracking pixels.
Third-Party Services
We share data with the following services, solely to operate the Site:
- Brevo - email delivery and subscriber management
- Google Analytics - website analytics
- Cloudflare - hosting, CDN, and security
- YouTube (Google) - embedded video content
- Dub.co - affiliate link management and click tracking
Your Rights (GDPR)
If you are in the European Economic Area or the UK, you have the right to:
- Access the personal data we hold about you
- Request correction or deletion of your data
- Withdraw consent at any time (e.g. unsubscribe from the newsletter)
- Request a copy of your data in a portable format
- Lodge a complaint with your local data protection authority
To exercise any of these rights, email [email protected].
Data Retention
We retain your email address for as long as you remain subscribed to the newsletter. If you unsubscribe, your data is removed from our active mailing lists. Analytics data is retained in aggregated, anonymised form and cannot be used to identify individuals.
Children
The Site is not directed at anyone under the age of 18. We do not knowingly collect personal data from minors.
Changes to This Policy
We may update this policy from time to time. Changes will be posted on this page with an updated "Last updated" date. We encourage you to review this page periodically.