Effective Date: June 29, 2026

Welcome to thepennyfy (accessible from www.thepennyfy.com). Your privacy is critically important to us. This Privacy Policy document outlines the types of personal information that is received and collected by thepennyfy and how it is used.

By using our website, you hereby consent to our Privacy Policy and agree to its terms.

1. Information We Collect

We only collect personal information that you voluntarily provide to us or that is automatically collected when you navigate our site:

  • Personal Data: This may include your name, email address, or comments when you subscribe to our newsletter, download a budget template, or leave a comment on our blog posts.
  • Log Files: Like many other websites, thepennyfy makes use of log files. These files merely log visitors to the site—usually a standard procedure for hosting companies and a part of hosting services’ analytics. The information inside the log files includes internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date/time stamp, referring/exit pages, and possibly the number of clicks.

2. Cookies and Web Beacons

thepennyfy uses cookies to store information about visitors’ preferences, to record user-specific information on which pages the site visitor accesses or visits, and to personalize or customize our web page content based on visitors’ browser type or other information that the visitor sends via their browser.

3. Google DoubleClick DART Cookie

Google is one of the third-party vendors on our site. It also uses cookies, known as DART cookies, to serve ads to our site visitors based upon their visit to www.thepennyfy.com and other sites on the internet. Visitors may choose to decline the use of DART cookies by visiting the Google ad and content network Privacy Policy.

4. Our Advertising Partners

Some of the advertisers on our site may use cookies and web beacons. Our advertising partners include:

  • Google AdSense

Each of our advertising partners has their own Privacy Policy for their policies on user data. Third-party ad servers or ad networks use technology in their respective advertisements and links that appear on thepennyfy, which are sent directly to your browser. They automatically receive your IP address when this occurs.

5. CCPA & GDPR Privacy Rights (US & UK/EU Users)

We ensure full compliance with consumer privacy acts:

  • GDPR (UK/EU): You have the right to request access to, deletion of, or correction of your personal data. You can object to data processing or request data portability.
  • CCPA (US/California): California consumers have the right to request that a business disclose the categories and specific pieces of personal data collected, delete the data, or opt-out of the sale of personal data.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.

6. Children’s Information

Another part of our priority is adding protection for children while using the internet. We encourage parents and guardians to observe, participate in, and/or monitor and guide their online activity.

thepennyfy does not knowingly collect any Personal Identifiable Information from children under the age of 13. If you think that your child provided this kind of information on our website, we strongly encourage you to contact us immediately and we will do our best efforts to promptly remove such information from our records.

7. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We advise you to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page.

8. Contact Us

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us at: [Insert Contact Email, contact@thepennyfy.com