Last updated: April 12, 2026

1. Who we are

Modern Wealth Tech Guide (“we”, “us”, or “our”) publishes educational content about consumer finance, banking, credit, investing, fintech, and related technology topics at modernwealthtechguide.com (the “Site”).

For the purposes of applicable data protection laws, we act as the data controller in respect of personal information we collect through the Site, except where a third party (such as an advertising or analytics partner) determines the means and purposes of processing independently—in which case that party is a separate controller and you should read their privacy notice.

2. Scope of this notice

This Privacy Policy describes how we collect, use, store, disclose, and protect information when you visit, read, subscribe to updates (if available), contact us, or otherwise interact with the Site. It applies whether you access the Site on a computer, tablet, or mobile device.

This policy does not govern third-party websites, apps, or services that we link to or that embed our content. Those services have their own policies.

3. Important financial & editorial disclaimer

Content on the Site is provided for general information and educational purposes only and does not constitute legal, tax, accounting, investment, insurance, or other professional advice tailored to your situation. Nothing on the Site is an offer or solicitation to buy or sell any financial product. You should consult qualified professionals before making financial decisions.

We may earn commissions, referral fees, or other compensation when you click certain outbound links, apply for products, or complete qualifying actions with third-party partners. That relationship does not increase the price you pay where prohibited by law. Compensation may influence which products we cover or where they appear, but it does not change our commitment to present material claims accurately and in line with applicable advertising and disclosure rules. Where required or appropriate, we display additional disclosures on or near the relevant pages and links.

4. Categories of information we collect

Depending on how you use the Site, we or our partners may collect the following categories of information:

  • Identifiers and contact data: such as name, email address, or similar details you voluntarily provide when you contact us, subscribe to a newsletter (if offered), or submit a form.
  • Internet and network activity: such as IP address, device identifiers, browser type and language, operating system, referring/exit pages, date/time stamps, clickstream data, and pages or content viewed.
  • Geolocation data (approximate): derived from IP address or device settings, typically at city or regional level—not precise GPS unless you separately grant that to a partner service.
  • Commercial information: records of which offers or partner pages you interacted with on our Site (e.g., outbound affiliate clicks aggregated in logs).
  • Inferences: we or partners may infer general audience segments or interests from browsing patterns to measure performance or deliver relevant advertising.
  • User-generated content: if you post comments or upload media where the Site allows it, we collect the content you submit and associated metadata.

We do not intentionally collect sensitive categories of data (such as government ID numbers, health information, or precise geolocation of children) through ordinary browsing.

5. How we collect information

  • Directly from you when you email us, complete a contact form, sign up for communications, or otherwise submit information.
  • Automatically through server logs, cookies, pixels, SDKs, and similar technologies when you load pages or interact with widgets.
  • From partners such as affiliate networks, advertising platforms, analytics providers, content delivery networks, and security vendors, who may share aggregated or technical data with us.

6. Cookies & similar technologies

We and third parties use cookies, local storage, pixels, and scripts to:

  • remember preferences and reduce repetitive prompts;
  • measure traffic, engagement, and conversion events (including which articles drive outbound clicks);
  • deliver, personalize, and measure advertising;
  • detect fraud, abuse, and technical errors; and
  • comply with legal obligations (for example, records of consent where required).

Where required by law, we present a consent mechanism (e.g., a cookie banner or consent management platform) for non-essential cookies and similar technologies. Your choices in that tool may limit certain tracking as described there.

You can also control cookies through your browser settings. Blocking all cookies may impair Site functionality.

7. Affiliate marketing & third-party networks

To monetize the Site and support editorial operations, we participate in affiliate marketing programs. When you click an affiliate link, the destination merchant or network may place cookies or read existing cookies to attribute referrals, prevent fraud, and measure commissions. We may work with networks and platforms including, without limitation, Awin, FlexOffers, bank or card issuer partner programs, and similar arrangements. Each partner processes data under its own privacy policy.

Affiliate networks may process pseudonymous identifiers, click and conversion data, and device/technical data. We do not control their retention periods or every processing activity; please review the relevant partner notices.

8. Analytics

We use analytics tools (such as Google Analytics 4) to understand aggregate audience behavior—e.g., popular pages, traffic sources, and device categories. Analytics providers may collect device and usage data via cookies or app equivalents. Where available, we configure analytics to reduce unnecessary data collection and honor consent choices.

9. Advertising

We may display third-party advertising on the Site. Ad partners may use cookies, mobile advertising IDs, or similar technologies to show ads they believe are relevant, cap frequency, measure performance, and build audience segments. Partners may combine data from our Site with data from other sites to infer interests.

You can learn more about personalized ads and opt out of many participating companies via:

Opt-outs are browser- or device-specific and may not block all ads (non-personalized ads may still appear).

10. Purposes & legal bases (EEA, UK, and similar jurisdictions)

Where the EU General Data Protection Regulation (“GDPR”), UK GDPR, or similar laws apply, we rely on one or more of the following legal bases:

  • Consent — for non-essential cookies, certain marketing emails (if any), and other processing where consent is required.
  • Legitimate interests — to operate, secure, and improve the Site; measure readership; attribute affiliate commissions; prevent fraud; defend legal claims; and communicate with you about inquiries you initiate—balanced against your rights.
  • Contract — where processing is necessary to perform a contract with you (for example, delivering a paid product if we ever offer one).
  • Legal obligation — to comply with law, court orders, or regulatory requests.

11. How we use information (all users)

We use personal and technical information to:

  • publish, maintain, and secure the Site;
  • respond to questions and support requests;
  • analyze performance and plan editorial coverage;
  • serve and measure advertising and affiliate referrals;
  • enforce our Terms of Use (if published) and protect rights, property, and safety;
  • comply with law and cooperate with regulators; and
  • communicate updates about the Site or this policy where appropriate.

12. Disclosure of information

We may disclose information to:

  • Service providers who host the Site, deliver email, provide analytics, fraud prevention, or IT support, subject to confidentiality obligations;
  • Advertising and affiliate partners as described above;
  • Professional advisers (lawyers, accountants, insurers) where necessary;
  • Authorities when required by law or to protect vital interests; and
  • Successors in the event of a merger, acquisition, financing, or sale of assets—where personal information may transfer as part of the transaction subject to applicable law.

We do not sell your personal information for money in the traditional sense. Certain sharing of internet or device data with ad partners for targeted advertising may be treated as a “sale” or “sharing” under U.S. state privacy laws (see below).

13. U.S. state privacy rights (including California)

Depending on your U.S. state of residence, you may have rights to access, delete, correct, opt out of targeted advertising, or opt out of “sales” or “sharing” of personal information, and to appeal certain decisions. We honor applicable rights requests as required by law.

California residents (CPRA): We describe our practices in this notice. You may have the right to know categories and specific pieces of personal information collected; to delete or correct certain information; to opt out of sale/sharing for cross-context behavioral advertising; and not to receive discriminatory treatment for exercising rights. To submit a request, use our Contact page and include “California Privacy Request” in the subject or message. We will verify your request as permitted by law (we may need additional information).

Authorized agents: Where allowed, an authorized agent may submit requests on your behalf with proof of authorization.

14. International data transfers

We are based in the United States. If you access the Site from outside the U.S., your information may be processed in the U.S. and other countries that may not provide the same level of protection as your home jurisdiction. Where required, we implement appropriate safeguards (such as standard contractual clauses approved by regulators) for transfers of personal data from the EEA, UK, or Switzerland.

15. Retention

We retain information only as long as reasonably necessary for the purposes described in this policy, including satisfying legal, accounting, or reporting requirements, resolving disputes, and enforcing agreements. Retention periods vary depending on the type of data and legal obligations. Server and analytics logs are typically retained for a limited rolling period unless a longer period is needed for security or legal holds.

16. Security

We implement reasonable administrative, technical, and organizational measures designed to protect information against unauthorized access, loss, or alteration. No method of transmission over the Internet is 100% secure; we cannot guarantee absolute security.

17. Children’s privacy

The Site is not directed to children under 16 (or the higher age required in your jurisdiction), and we do not knowingly collect personal information from children for behavioral marketing. If you believe we have collected information from a child inappropriately, please contact us and we will take appropriate steps to delete it.

18. Your rights (EEA, UK, and similar)

Where GDPR, UK GDPR, or similar laws apply, you may have the right to access, rectify, erase, restrict processing, object to certain processing, data portability, and withdraw consent where processing is consent-based. You may also lodge a complaint with your local supervisory authority. To exercise rights, contact us via the Contact page.

19. Automated decision-making

We do not use personal information to make solely automated decisions that produce legal or similarly significant effects about you.

20. Changes to this Privacy Policy

We may update this policy to reflect changes in our practices, technology, partners, or legal requirements. We will revise the “Last updated” date and, where appropriate, provide additional notice (such as a banner on the Site). Your continued use of the Site after the effective date of changes constitutes your acknowledgment of the updated policy, except where your consent is required for material changes to processing we previously based on consent.

21. Contact us

For privacy-related questions, requests, or complaints—including data subject rights—please use our Contact page and include sufficient detail for us to evaluate and respond to your request. We will respond within the timeframes required by applicable law.

This document is provided as a template for a consumer finance blog with affiliate relationships. It is not legal advice. You should have a qualified attorney review it for your specific business, jurisdictions, and partner contracts.