Privacy Policy

1. Introduction

LunaryInk ("we," "us," or "our") operates the website located at lunaryink.com (the "Site"). This Privacy Policy describes how we collect, use, disclose, and protect your personal information when you visit our Site, use our services, subscribe to our newsletter, or interact with our content. We are committed to protecting your privacy and handling your data with transparency and care.

By accessing or using our Site, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree with our practices, please do not use our Site.

2. Information We Collect

2.1 Information You Provide Directly

We collect information that you voluntarily provide to us when you:

• Fill out our contact form (name, email address, subject, and message content)
• Subscribe to our newsletter (email address)
• Complete our app recommendation quiz (quiz responses; no personal identifiers are collected)
• Download resources such as our budgeting worksheet (email address if required)

2.2 Information Collected Automatically

When you visit our Site, we may automatically collect certain information, including:

• IP address and approximate geographic location
• Browser type and version
• Operating system
• Referring website or URL
• Pages visited, time spent on pages, and navigation paths
• Device type (desktop, tablet, or mobile)
• Screen resolution and language preferences

2.3 Cookie Information

We use cookies and similar tracking technologies to enhance your browsing experience. See Section 6 below for detailed information about our cookie practices.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To provide and maintain our Site: Ensuring our content loads properly and is accessible across devices.
• To respond to inquiries: Processing and responding to messages submitted through our contact form.
• To send newsletters: Delivering monthly app update alerts and review notifications to subscribers who have opted in.
• To improve our Site: Analyzing usage patterns to enhance user experience, content relevance, and site performance.
• To personalize recommendations: Using quiz responses to generate tailored app suggestions (processed locally, not stored on our servers).
• To comply with legal obligations: Meeting applicable legal and regulatory requirements.
• To prevent fraud and abuse: Protecting our Site and users from malicious activity.

4. How We Share Your Information

We do not sell, rent, or trade your personal information to third parties for their marketing purposes. We may share your information in the following limited circumstances:

• Service Providers: We work with trusted third-party service providers who assist us in operating our Site, including hosting providers, email delivery services, and analytics platforms. These providers are contractually obligated to protect your data and use it only for the purposes we specify.
• Legal Requirements: We may disclose your information if required to do so by law, in response to valid legal process, or to protect the rights, property, or safety of LunaryInk, our users, or the public.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction. We will notify users of any such change in ownership or control.
• With Your Consent: We may share your information in other ways if you provide explicit consent.

5. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Specifically:

• Contact form submissions are retained for up to 24 months.
• Newsletter subscriber information is retained until you unsubscribe.
• Analytics data is retained in aggregated, anonymized form for up to 36 months.
• Cookie consent preferences are stored in your browser via localStorage.

6. Cookies and Tracking Technologies

Our Site uses cookies and similar technologies to provide functionality and analyze usage. The types of cookies we use include:

You can manage your cookie preferences through our cookie consent banner that appears when you first visit the Site. You can also control cookies through your browser settings. Please note that disabling certain cookies may affect the functionality of our Site.

7. Your Rights and Choices

Depending on your location, you may have the following rights regarding your personal information:

• Right of Access: You may request a copy of the personal information we hold about you.
• Right to Rectification: You may request that we correct inaccurate or incomplete information.
• Right to Erasure: You may request that we delete your personal information, subject to certain legal exceptions.
• Right to Restriction: You may request that we restrict the processing of your data in certain circumstances.
• Right to Data Portability: You may request your data in a structured, commonly used, machine-readable format.
• Right to Object: You may object to certain types of processing, including processing for direct marketing purposes.
• Right to Withdraw Consent: Where processing is based on consent, you may withdraw that consent at any time.

To exercise any of these rights, please contact us at [email protected]. We will respond to your request within 30 days.

8. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption of data in transit using TLS/SSL protocols, secure server infrastructure, access controls limiting data access to authorized personnel, and regular security assessments. However, no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security.

9. Third-Party Links

Our Site may contain links to third-party websites, including the websites of personal finance apps we review. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to review the privacy policies of any third-party site you visit through links on our Site. The inclusion of a link does not imply endorsement of the linked site by LunaryInk.

10. Children's Privacy

Our Site is not directed to children under the age of 16. We do not knowingly collect personal information from children under 16. If we become aware that we have inadvertently collected personal information from a child under 16, we will take steps to delete that information as soon as possible. If you believe a child under 16 has provided us with personal information, please contact us at [email protected].

11. International Data Transfers

Our Site is hosted in the United States. If you are accessing our Site from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located. By using our Site, you consent to the transfer of your information to the United States, which may have different data protection laws than your country of residence.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the "Last updated" date at the top of this page and, where appropriate, notify you via email or a prominent notice on our Site. We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: