Privacy policy

This policy explains what information is collected when you visit MonyPulse (monypulse.com), why, and the choices you have. It applies to visitors from all countries, including the United States, the United Kingdom, Canada, Australia and the European Economic Area.

Who we are

MonyPulse is an independent online publication. For any privacy question, email hello@monypulse.com.

Information we do not collect

You can read every page without creating an account or signing in. We do not run user accounts, comment systems or paid subscriptions, and we do not ask for your name, address or payment details.

Calculators

The financial calculators run entirely in your browser. The numbers you type, such as your income, balances or rates, are not sent to us or to anyone else, and they are not saved: they are gone when you close the page. We do not ask for your name, email or phone number, and no calculator has a sign-up or lead form.

If you choose "Share link", your numbers are written into the link you copy, so anyone you send it to can see them. We remove those numbers from the page address before it reaches Google Analytics, so analytics never records them.

Information collected automatically

Hosting and security

The site is hosted on Cloudflare. To deliver pages and protect the site from abuse, Cloudflare processes technical information such as your IP address, browser type, the page requested and the time of the request. This information is used for security and performance and is handled under Cloudflare's privacy policy.

Analytics

We use Google Analytics to count visits and see which stories are read. It records the pages you view, how you arrived (for example from a search engine), your device and browser type, and your approximate location, worked out from your IP address. Google Analytics does not store IP addresses. We have switched off Google signals and ad personalisation, so this information is not used to show you ads, and Google keeps the detailed records for two months.

In the EEA, the UK and Switzerland, Google Analytics sets a cookie only after you agree. Elsewhere it is on unless you opt out, and a Global Privacy Control signal from your browser counts as opting out. You can change your choice at any time from Cookie settings at the bottom of every page, or install Google's opt-out browser add-on. See how Google uses information from sites that use its services and our cookie policy.

Advertising

We do not show advertising today. We may add it in the future to support the site, for example through Google AdSense, and will name the ad network here before ads go live. If we do:

• Third-party vendors, including Google, use cookies to serve ads based on your previous visits to this and other websites.
• Google's use of advertising cookies enables it and its partners to serve ads to you based on your visits to this site and/or other sites on the internet.
• You can opt out of personalised advertising in Google Ads Settings, or opt out of some third-party vendors' use of cookies at aboutads.info.
• You can learn more in how Google uses information from sites that use its services.
• Visitors in the EEA, the UK and Switzerland will be asked for consent through a consent tool before personalised ads or advertising cookies are used.

Affiliate links

The calculators contain no affiliate links. Some stories may contain affiliate links. If you click one, the merchant may set a cookie to record that you came from our site. We do not receive your personal details from the merchant. See the affiliate disclosure.

If you email us

If you contact us by email, we use your email address and message only to reply and to handle your request, such as a correction. We keep the correspondence only as long as needed and do not add you to any mailing list.

Legal bases (EEA and UK)

Where the GDPR or UK GDPR applies, we process technical data on the basis of our legitimate interest in running a secure, working website; email correspondence on the basis of our legitimate interest in replying to you; and advertising or analytics cookies only with your consent.

Your rights

Depending on where you live, you may have the right to access, correct or delete personal information about you, to object to or restrict its use, to withdraw consent, and to complain to a data protection authority (in the UK, the Information Commissioner's Office). To make a request, email us. We will respond within the time the law requires.

United States residents

We do not sell personal information. Where state privacy laws, such as California's, treat advertising cookies as "sharing", you can opt out using the tools above or the Global Privacy Control signal in your browser, which we will honor where required.

Canada and Australia

We handle personal information in line with PIPEDA and the Australian Privacy Principles. You can ask to access or correct information we hold about you.

Children

This site is written for adults and is not directed at children under 16. We do not knowingly collect personal information from children.

International transfers

Our service providers may process data in countries other than your own. Where required, they use recognized safeguards such as standard contractual clauses.

Changes

We may update this policy as the site changes, for example when advertising is added. The date at the top shows the latest version.