Effective Date: June 8, 2025

Welcome to Wise and Retired (the “Site”, “we”, “our”, or “us”). Your privacy is important to us, and we are committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit https://wiseandretired.com.

If you do not agree with the terms of this Privacy Policy, please do not access the site.

1. Information We Collect

We collect the following types of information:

A. Information You Provide

  • Email Address: When you sign up for our newsletter via Kit.com.
  • Messages: If you contact us via email at [email protected].

B. Automatically Collected Information

Through tools like Google Analytics, we may collect:

  • IP address
  • Browser type
  • Device type
  • Operating system
  • Pages visited and time spent
  • Referring/exit pages
  • Location data (approximate)

This data is used only in aggregate to improve our website experience and content.

2. Use of Your Information

We use your information to:

  • Send newsletters and updates via Kit.com
  • Improve website performance and user experience
  • Respond to inquiries
  • Analyze traffic and trends with Google Analytics
  • Maintain legal compliance

3. Disclosure of Your Information

We do not sell your personal information. We may share your information with:

  • Service providers like Google Analytics and Kit.com (under contract)
  • Legal authorities if required to comply with legal obligations
  • Successors in the event of a merger or asset transfer

4. Your Rights Under the CCPA (California Consumer Privacy Act)

If you are a California resident, you have the right to:

  • Know what personal information we collect, use, and disclose
  • Request deletion of your personal information
  • Opt-out of the sale of your personal information (we do not sell information)
  • Non-discrimination for exercising your privacy rights

To exercise these rights, please contact us at [email protected] with the subject line: CCPA Request. We may need to verify your identity before fulfilling requests.

5. Your Choices

You may:

  • Unsubscribe from our emails by clicking the link in any newsletter or contacting us directly
  • Disable cookies in your browser settings (note: this may impact website functionality)

6. Third-Party Tools & Services

We use the following third-party tools:

  • Google Analytics: Collects anonymized data on website usage. You can opt out using the Google Analytics Opt-out Browser Add-on.
  • Kit.com: Manages our email subscriptions and newsletter delivery.

Each third-party service may have its own privacy policy. We encourage you to review them.

7. Data Retention

We retain personal data only as long as necessary for the purposes outlined above, or as required by law.

8. Security

We implement reasonable security measures to protect your information. However, no transmission over the internet is 100% secure.

9. Children’s Privacy

Wise and Retired is not intended for individuals under the age of 13. We do not knowingly collect data from children.

10. International Visitors

This site is operated in the United States. If you access the site from outside the U.S., you consent to the transfer of your data to the U.S.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date.

12. Contact Us

If you have any questions about this Privacy Policy, or wish to make a request under CCPA, contact us at:

📧 [email protected]
📍 Based in New Jersey, USA