Privacy Policy
Effective Date: August 8, 2026
Last Updated: August 24, 2026
This page is a working template, not legal advice; consider having a licensed attorney or a compliance service (such as Termly or iubenda) review it to confirm it fully matches your actual data practices and complies with applicable law, including the CCPA/CPRA and other state privacy laws.
This Privacy Policy explains how ClearCents, an individually owned and operated website published by Marc Isach Moriscot ("we," "us," or "our"), accessible at https://clearcents.site, collects, uses, and protects information when you visit our website. By using ClearCents, you agree to the practices described in this policy. This site is primarily intended for a United States audience, and this policy is written with U.S. privacy laws in mind — see the State Privacy Rights section below for the specific rights available depending on where you live.
Information We Collect
Information you provide directly:
- Contact form submissions (name, email address, message)
If we add new ways to collect information directly from you in the future — such as an email newsletter — we will update this Privacy Policy to describe that practice before it takes effect.
Information collected automatically:
- IP address, browser type, device type, and operating system
- Pages visited, time on page, and referring URLs
- Approximate location (city/region level, derived from IP address)
- Cookie and advertising identifiers (see Cookie section below)
We don't collect more sensitive categories of information (such as financial account numbers, Social Security numbers, or health information) through this site — our calculators run entirely in your browser and don't transmit the numbers you enter to us or store them anywhere.
How Long We Keep Your Information
| Data Type | Retention Approach |
|---|---|
| Contact form messages | Kept as long as reasonably needed to address your inquiry and maintain a record of correspondence, then deleted periodically |
| Analytics data (Google Analytics) | Retained according to Google Analytics' standard retention settings, which we do not extend beyond the default |
| Advertising identifiers (Google AdSense) | Managed by Google according to their own retention practices, not controlled directly by us |
| Cookie consent choice | Stored on your device until it expires or you clear it, generally for several months to a year |
How We Use Your Information
We use the information we collect to:
- Operate, maintain, and improve the ClearCents website
- Respond to your questions, corrections, and feedback
- Understand how visitors use our site (via Google Analytics) so we can improve content and site performance
- Serve advertising, including personalized advertising, through Google AdSense
- Monitor and prevent fraud, abuse, and security issues
Cookies and Tracking Technologies
ClearCents uses cookies and similar technologies for site functionality, analytics, and advertising. Analytics and advertising cookies are only set if you accept them through the cookie consent banner shown on your first visit — essential cookies needed to run the Site are the only ones set by default. This includes:
- Google Analytics, which helps us understand site traffic and user behavior
- Google AdSense, which may use cookies to serve ads, including personalized ads based on your browsing activity across websites
For full details on the specific cookies used and how to manage your preferences, see our Cookie Policy.
Third-Party Services
We work with the following categories of third-party service providers, who may collect or process information as described in their own privacy policies:
| Service | Purpose | Privacy Policy |
|---|---|---|
| Google Analytics | Website traffic and usage analytics | policies.google.com/privacy |
| Google AdSense | Advertising, including personalized ads | policies.google.com/privacy |
| Web hosting provider | Stores and delivers our website files and processes basic server logs (such as IP address and request data) needed to serve the Site | See our hosting provider's own privacy policy |
We Don't Sell Your Personal Information
ClearCents does not sell your personal information to third parties for money. Under California and similar state privacy laws, certain advertising practices involving cookies and identifiers can be legally categorized as a "sale" or "sharing" of information even without a direct cash transaction — our use of Google AdSense for advertising falls into this broader legal definition, which is why we offer the opt-out choices described below, consistent with how these laws are intended to work.
Your Privacy Choices
- Cookie consent banner: Use "Manage Cookie Preferences" in the site footer at any time to accept or decline analytics and advertising cookies.
- Ad personalization: You can manage how Google personalizes ads for you at Google Ads Settings, or opt out of personalized advertising broadly through the Digital Advertising Alliance.
- Browser controls: Most browsers let you block or delete cookies through their settings. Note that blocking cookies may affect site functionality.
- State privacy rights: Depending on where you live, you may have rights under state privacy laws — including California's CCPA/CPRA and similar laws in states such as Virginia, Colorado, Connecticut, and Utah — to know what personal information is collected, request deletion, and opt out of the "sale" or "sharing" of personal information (which can include certain advertising cookie practices). To exercise these rights, contact us at clearcentscontact@gmail.com.
- Do Not Track: Our site does not currently respond to browser "Do Not Track" signals, as there is no industry-standard approach for honoring them.
Exercising Your State Privacy Rights
If you're a resident of a state with a comprehensive privacy law, you generally have some or all of the following rights, depending on your specific state's law:
- Right to know what personal information has been collected about you and how it's been used
- Right to delete personal information we've collected, subject to certain legal exceptions
- Right to opt out of the sale or sharing of personal information, including for targeted advertising
- Right to non-discrimination for exercising any of these rights
To submit a request, email clearcentscontact@gmail.com with your request and enough information for us to verify it's genuinely you (we won't ask for more than is reasonably necessary to confirm your identity). We'll respond within the timeframe required by applicable law, generally within 45 days.
Children's Privacy
ClearCents is not directed at children under 13, and we do not knowingly collect personal information from children under 13. The site's content — budgeting, credit, retirement planning, and similar topics — is written for an adult audience making their own financial decisions. If you believe a child has provided us with personal information, please contact us at clearcentscontact@gmail.com so we can address it, including deleting any such information.
International Visitors
ClearCents is operated from and primarily intended for a United States audience, and our content, examples, and calculators are built around U.S. financial rules, programs, and figures. If you access the site from outside the United States, your information may be processed in the U.S. or other locations where our service providers operate, and privacy protections may differ from those in your home country. We don't currently tailor separate privacy disclosures for non-U.S. visitors beyond what's described in this policy.
Data Security
We use HTTPS encryption sitewide and take reasonable technical and administrative measures to protect the information we collect. However, no method of transmission or storage over the internet is 100% secure, and we cannot guarantee absolute security.
Frequently Asked Questions
Does ClearCents sell my personal information?
No, not for money. Certain advertising practices involving cookies can be legally categorized as a "sale" or "sharing" under some state privacy laws even without a cash transaction, which is why we offer opt-out choices — see the sections above for how to exercise them.
What information do your calculators collect?
None — our calculators run entirely in your browser and don't transmit the numbers you enter to us or store them on any server.
How do I request that my data be deleted?
Email clearcentscontact@gmail.com with your request. We'll verify your identity with reasonable information and respond within the timeframe required by applicable law, generally within 45 days.
Do you share my information with advertisers directly?
We don't hand your information directly to individual advertisers. Advertising is served through Google AdSense, which may use cookies and identifiers according to its own privacy practices — see our Cookie Policy for details.
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, regulatory, or operational reasons. The "Last Updated" date at the top of this page will reflect the most recent revision.
Contact Us
ClearCents is an online-only publication operated by Marc Isach Moriscot. Questions about this Privacy Policy can be sent to clearcentscontact@gmail.com or through our Contact page.