Privacy Policy

Information We Collect

SmartMoneyDre collects information in two ways: information you provide directly and information collected automatically when you visit the site.

Information You Provide

• Email address and name — when you sign up for the newsletter, request a free download, or complete a purchase.
• Payment information — when you purchase a digital product. Payment is processed by a third-party processor (Stripe or PayPal) and SmartMoneyDre does not store your full card details.
• Messages — any information you submit through a contact form or by emailing us directly.

Information Collected Automatically

• Browser type, device type, and operating system
• Pages visited, time spent on pages, and referring URLs
• IP address and approximate geographic location
• Cookies and similar tracking technologies (see Section 5)

How We Use Your Information

Information collected is used for the following purposes:

• To deliver digital products you have purchased or requested
• To send newsletters, financial education content, and product updates you opted into
• To respond to questions or support requests
• To improve the website's content, structure, and user experience
• To process payments and maintain transaction records
• To comply with applicable legal obligations

Email Communications

By providing your email address through this site — whether through a free download, newsletter sign-up, or product purchase — you consent to receive email communications from SmartMoneyDre. These may include:

• Delivery of requested free resources or digital products
• Weekly financial education newsletters
• Announcements about new products, content, or resources
• Promotional communications related to SmartMoneyDre offerings

You can unsubscribe from email communications at any time by clicking the unsubscribe link included in every email or by contacting us directly at dre@smartmoneydre.com. Unsubscribing from marketing emails will not affect your ability to receive transactional emails related to a purchase you have made.

Email marketing is managed through a third-party email service provider. Your email address is stored on their platform and subject to their privacy practices as well. SmartMoneyDre uses these providers only to send communications on our behalf and does not permit them to use your data for their own marketing purposes.

Digital Products & Purchases

When you purchase a digital product from SmartMoneyDre, your transaction is processed through Easy Digital Downloads (EDD) in conjunction with a payment processor such as Stripe or PayPal. The following applies:

• Your name and email address are collected to fulfill and deliver your order.
• Payment card information is handled entirely by the payment processor and is not stored by SmartMoneyDre.
• Purchase records (product name, date, amount) are retained for accounting and legal compliance purposes.
• All digital product sales are final. No refunds are issued on digital downloads once delivered.

For questions about a purchase, contact dre@smartmoneydre.com.

Cookies & Tracking Technologies

This website uses cookies and similar technologies to improve functionality and understand how visitors use the site. Cookies are small text files stored on your device by your browser.

Types of Cookies Used

• Essential cookies — required for the site to function (e.g., shopping cart, session management).
• Analytics cookies — used to understand traffic patterns and page performance (e.g., Google Analytics). Data collected is aggregated and anonymized where possible.
• Affiliate tracking cookies — placed when you click an affiliate link to track referrals for commission purposes.

You can control or disable cookies through your browser settings. Disabling cookies may affect certain site functionality, including the ability to complete a purchase.

Third-Party Links & Affiliate Relationships

This website contains links to third-party websites and services, including tools and platforms recommended on the Tools & Resources page. Some of these links are affiliate links, meaning SmartMoneyDre may earn a commission if you sign up or make a purchase through the link — at no additional cost to you.

Affiliate relationships do not influence which tools are recommended. Only tools that are genuinely evaluated and considered useful are listed on this site.

SmartMoneyDre is not responsible for the privacy practices or content of any third-party websites. When you leave this site, you are subject to the privacy policy of the destination site. You are encouraged to review the privacy policies of any third-party services you use.

Data Sharing & Disclosure

SmartMoneyDre does not sell, rent, or trade your personal information. Your data may be shared in the following limited circumstances:

• Service providers — third-party tools used to operate this site, including email marketing platforms, payment processors, and website hosting providers. These providers are authorized to use your data only to perform services on our behalf.
• Legal compliance — if required by law, court order, or government authority, or to protect the rights, property, or safety of SmartMoneyDre or others.
• Business transfers — in the event of a merger, acquisition, or sale of assets, user data may be transferred as part of that transaction. You will be notified if this occurs and your data becomes subject to a different privacy policy.

Data Retention

Personal information is retained for as long as necessary to fulfill the purposes described in this policy, or as required by law. Specifically:

• Email subscriber data is retained until you unsubscribe or request deletion.
• Purchase records are retained for a minimum of seven years for accounting and tax compliance purposes.
• Contact form submissions are retained as long as needed to respond to and resolve the inquiry.

You may request deletion of your personal data at any time by contacting dre@smartmoneydre.com. Requests will be honored to the extent permitted by applicable law and consistent with our record-keeping obligations.

Your Rights & Choices

Depending on your location, you may have the following rights with respect to your personal information:

• Access — request a copy of the personal information we hold about you.
• Correction — request correction of inaccurate or incomplete information.
• Deletion — request deletion of your personal data, subject to legal retention requirements.
• Opt-out of marketing — unsubscribe from email communications at any time.
• Data portability — request your data in a structured, commonly used format where technically feasible.

To exercise any of these rights, contact dre@smartmoneydre.com. Requests will be addressed within 30 days. Identity verification may be required before fulfilling certain requests.

Children's Privacy

SmartMoneyDre is not directed to individuals under the age of 13. We do not knowingly collect personal information from children under 13. If you believe a child under 13 has provided personal information through this site, please contact us at dre@smartmoneydre.com and we will take steps to delete the information promptly.

Changes to This Policy

This Privacy Policy may be updated periodically to reflect changes in practices, legal requirements, or site functionality. When changes are made, the effective date at the top of this page will be updated. Continued use of this site following any update constitutes acceptance of the revised policy.

For material changes that significantly affect how your data is used, SmartMoneyDre will make reasonable efforts to notify active email subscribers prior to the change taking effect.

Contact Us

If you have questions, concerns, or requests related to this Privacy Policy or your personal information, please reach out directly:

• Website: www.smartmoneydre.com
• Email: dre@smartmoneydre.com