Privacy Policy

Last Updated: August 2025

This Privacy Policy explains how Silly Money, an educational media division of The Vibes Company Inc. ("we," "us," "our"), collects, uses, and protects your personal information when you use our website and services.

In Summary: This Privacy Policy applies to Silly Money's operations, which are directed at users in the United States. By using our site and providing us with personal data, you consent to our processing data in the United States under its laws.

1. Information We Collect About You

Information You Give Us Directly

1. Email Subscriptions: When you sign up for our newsletter or content alerts, we collect your email address, name, and IP address
2. Comments and Interactions: When you comment on articles or participate in discussions, we collect the information you provide
3. Contact Forms: When you contact us, we collect your name, email address, and message content
4. Survey Participation: When you participate in surveys or contests, we collect the information you voluntarily provide
5. Recommendation Service: If you use our "share article" feature, we collect your email and your friend's email to send a one-time message

Information We Collect Automatically

1. Usage Data: We automatically log information about how you use our site, including: pages you visit and content you view, time spent on pages, links you click, search terms you use, and referring websites
2. Device Information: We collect information about your device and browser, including: IP address (or partially anonymized IP address), browser type and version, operating system, device type and screen resolution, approximate location based on IP address
3. Unique Identifiers: We assign you unique identifiers to recognize you across different portions of our site and between visits

Information We Receive From Third Parties

1. Advertising Partners: We allow advertising partners to collect information when you visit our site through cookies, pixels, and other tracking technologies
2. Analytics Providers: We use third-party analytics services that provide us with information about how visitors use our site
3. Data Enrichment: We may work with third-party companies that combine our data with additional information they have collected to help us better understand our audience

1. Our Legal Bases for Processing Your Information

We collect and process your personal information based on the following legal grounds:

Consent

When you explicitly consent to our collection and use of your information (e.g., signing up for emails)

Legitimate Interest

When we have a legitimate business interest that doesn't override your privacy rights (e.g., improving our website, fraud prevention)

Legal Compliance

When required by law or to protect our rights and safety

1. How We Use Your Information

Business Purposes for Using Personal Data

Website Operations

1. Administer our site and internal operations
2. Conduct troubleshooting, testing, and performance monitoring
3. Analyze usage patterns and improve site functionality

Content Delivery

1. Deliver newsletters and content you've requested
2. Personalize content recommendations
3. Remember your preferences and settings

Communication

1. Respond to your inquiries and support requests
2. Send important updates about our services
3. Notify you about changes to our policies

Marketing and Advertising

1. Deliver relevant advertisements
2. Measure and optimize advertising effectiveness
3. Conduct marketing analysis and audience research

Security

1. Protect against fraud, abuse, and security threats
2. Ensure the safety and integrity of our site
3. Comply with legal requirements

Categories of Service Providers

We share personal information with the following types of service providers:

1. Email Service Providers: For newsletter delivery and email marketing
2. Analytics Providers: For website traffic analysis and user behavior insights
3. Advertising Networks: For ad serving and measurement
4. Security Services: For fraud prevention and site protection
5. Data Verification Services: For address validation and data accuracy

1. Promotional Updates and Communications

We may use your email address to send you:

1. Educational content and financial news
2. Information about our services and features
3. Special offers and promotions
4. Industry insights and commentary

You can opt out of promotional emails at any time using the unsubscribe link in any email or by updating your preferences in your account settings.

1. How We Store and Retain Your Information

Data Storage: We store your data on secure servers in the United States, either in our own facilities or those of our trusted service providers.

Data Retention: We retain personal information for as long as:

1. Necessary to provide our services
2. Required by law
3. Needed for legitimate business purposes
4. You maintain an active account with us

We may retain aggregated, anonymized data indefinitely for research and improvement purposes.

1. Cookies and Other Technologies

What Are Cookies?

Cookies are small text files stored on your device that help websites remember your preferences and improve your experience.

Types of Cookies We Use

Strictly Necessary Cookies

1. Essential for basic website functionality
2. Cannot be disabled without affecting site performance

Performance Cookies

1. Collect information about how visitors use our site
2. Help us understand traffic patterns and improve performance

Functionality Cookies

1. Remember your preferences and choices
2. Provide personalized features and content

Advertising Cookies

1. Deliver relevant advertisements
2. Measure ad effectiveness
3. Prevent repetitive ad displays

Third-Party Cookies

Our advertising and analytics partners may also set cookies on your device. We don't control these cookies, and they're subject to the third parties' own privacy policies.

1. Cookie Removal and Management

You can control cookies through your browser settings:

1. Accept all cookies
2. Reject all cookies (may limit site functionality)
3. Receive notifications when cookies are set
4. Delete existing cookies

For detailed instructions, visit www.allaboutcookies.org

Opt-Out Resources:

1. Google Analytics: tools.google.com/dlpage/gaoptout
2. Google Ads: adssettings.google.com
3. Digital Advertising Alliance: aboutads.info/choices

1. Update or Correct Your Information

You can update your personal information by:

1. Contacting us at [email protected]
2. Using the contact form on our website
3. Following instructions in our email communications

We'll respond to valid requests within a reasonable timeframe.

1. Opt Out or Close Your Account

Marketing Communications

To stop receiving promotional emails:

1. Click "unsubscribe" in any marketing email
2. Contact us at [email protected]
3. Update your email preferences if you have an account

Behavioral Advertising

To opt out of interest-based advertising:

1. Visit aboutads.info/choices
2. Use browser settings to limit tracking
3. Install ad-blocking software

Account Deletion

To delete your account and personal information:

1. Contact us at [email protected]
2. Include your full name and email address
3. We'll process your request within 30 days

1. Security and Protection

We implement appropriate technical and organizational measures to protect your personal information, including:

1. Encryption of sensitive data in transit and at rest
2. Regular security assessments and updates
3. Access controls and authentication measures
4. Staff training on data protection

However, no internet transmission is 100% secure. You're responsible for:

1. Keeping any passwords confidential
2. Using secure internet connections
3. Being cautious about information you share online

1. Users Aged 13 or Under

Our site is intended for users aged 13 and older. We don't knowingly collect personal information from children under 13. If you're under 13, please get parental consent before providing any personal information.

If we discover we've collected information from a child under 13 without parental consent, we'll delete it promptly.

1. Changes to This Policy

We may update this Privacy Policy periodically.

When we make material changes:

1. We'll post the updated policy on our website
2. We'll update the "Last Updated" date
3. We'll notify you by email if you're subscribed to our services
4. We may display a notice on our website

Your continued use of our services after changes take effect constitutes acceptance of the updated policy.

1. Contact Us

For questions about this Privacy Policy or our data practices, contact us:

1. Email: [email protected]
2. Mail: The Vibes Company Inc. Attn: Silly Money

10 Grand Street, STE 1800 Brooklyn, NY 11249

We'll respond to privacy inquiries within 30 days.