Privacy Policy — Life & Money Online

Effective date: September 21, 2025

1. Summary

Life & Money Online is an informational website about insurance, personal finance and legal topics. We do not provide paid services, user accounts, or downloads. This Privacy Policy explains what data we collect, why we collect it, how we use it, and how you can contact us.

2. Information we collect

Because this site is informational only, we collect only a limited amount of data:

Automatically collected data: server logs (IP address, browser type, request timestamps, pages visited), and technical data needed to serve the site.
Cookies & tracking: cookies and tracking identifiers used by analytics and advertising services (see section 4).
Contact info you provide: if you email us (malhih@yandex.com) we may retain your email address and messages to respond and to keep records of communication.

3. How we use your data

To operate and improve the site (performance, reliability, debugging).
To analyze traffic and usage patterns (analytics).
To display advertising (via third-party ad networks).
To respond to user inquiries sent by email.

4. Third parties, analytics and advertising

We use third-party services that may collect information about your visit:

Google Analytics (GA4) — anonymous traffic and behavior data to improve content and site performance.
Google AdSense (or other ad partners) — to serve ads. Advertisers and ad networks may use cookies and similar technologies to serve ads based on your prior visits to this site and other sites.

These third parties have their own privacy policies. We recommend reviewing them (for example Google’s policies) if you want details about how your data is processed by those services.

5. Cookies

Cookies are small files stored on your device. We use cookies for basic site functionality and to enable analytics and advertising. You can control cookies through your browser settings and opt out of many analytics providers (e.g., Google Analytics opt-out). Blocking cookies may affect site functionality.

6. Data retention

We retain server logs and analytics data for the time necessary to operate and improve the site (typically limited periods). If you contact us by email, we keep the correspondence as long as needed for support and record-keeping.

7. Your rights

Even though we collect minimal data, you have rights depending on your location:

Access: You may request access to personal data we hold about you (if any).
Correction or deletion: You may request correction or deletion of your personal data (for example, email messages you sent).
Opt-out: You can opt out of analytics tracking by using browser privacy settings or provider opt-out tools.

To exercise any rights, contact: malhih@yandex.com. We will respond within a reasonable timeframe.

8. Children

This site is not intended for children under 13. We do not knowingly collect personal information from children under 13. If you believe we have such data, please contact us to request removal.

9. Security

We follow reasonable administrative and technical safeguards to protect data. However, no method of transmission over the internet or electronic storage is 100% secure; we cannot guarantee absolute security.

10. International transfers

Data collected on this website may be stored and processed in the United States or in other countries. By using the Site you consent to such transfers.

11. California privacy (CCPA) — brief notice

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including the right to request disclosure of categories of personal information we collect and the right to request deletion. To make a request, contact: malhih@yandex.com. We will verify requests to prevent fraud.

12. GDPR (EU residents) — brief notice

If you are in the European Economic Area, the legal bases for processing personal data are limited and typically include:

processing necessary for our legitimate interests (site operation and improvement), and
your consent where we explicitly ask for it (for optional cookies or newsletters).

To exercise GDPR rights (access, correction, deletion, restriction), contact: malhih@yandex.com.

13. Changes to this policy

We may update this Privacy Policy occasionally. We will post the new policy here and update the effective date. Continued use of the Site after changes constitutes acceptance.

14. Contact

If you have questions or requests regarding this Privacy Policy, contact us at: malhih@yandex.com.