Last updated: October 11, 2026
This policy explains what information Effective Currency (effectivecurrency.com, “we”, “us”) collects when you visit the site, how we use it, and the choices you have. Questions? Email info@effectivecurrency.com.
What we collect
- Comments. If you leave a comment, we collect the name, email address and website you enter, the comment itself, your IP address and your browser user agent (used for spam detection). An anonymized hash of your email address may be sent to Gravatar to check whether you have a profile picture.
- Contact forms. If you contact us through a form or by email, we collect the name, email address and message you send, so we can reply.
- Analytics. We use website analytics to understand which pages are read and how the site performs. This may include your approximate location, device and browser type, the pages you visit and how you arrived. We use this information in aggregate to improve the site.
- Server logs. Our hosting provider records technical information such as IP addresses and request times for security and reliability.
Cookies
The site and the services it uses may set cookies. If you comment, WordPress can save your name, email and website in cookies for 12 months so you do not need to re-enter them. Logged-in users (site administrators) also receive login cookies. You can block or delete cookies in your browser settings; some features may not work as expected.
Affiliate links
Some pages contain affiliate links. If you click one and make a purchase, we may earn a commission at no extra cost to you. When you click an affiliate link, the partner’s website (and its advertising or affiliate network) may set its own cookies to track the referral. We do not control those cookies. Please review the partner’s own privacy policy. See also our Disclosures page.
Downloads
Free downloads on this site, such as our checklist, do not require you to give us your email address.
Email updates
We do not currently send newsletters. If we offer email updates in the future, we will only send them to people who clearly ask to receive them, every message will include an unsubscribe link, and we will update this policy.
How we use your information
We use information to operate and secure the site, respond to messages, moderate comments, understand how the site is used, and comply with the law. We do not sell your personal information.
Who we share it with
We share information only with service providers that help us run the site, such as our web hosting provider, spam-filtering and analytics services, and Gravatar, and when required by law. Embedded content from other websites (for example videos) can collect data about you in the same way as if you had visited those websites directly.
How long we keep it
Comments and their metadata are kept until they are deleted. Messages sent to us are kept for as long as needed to respond and for our records, then deleted. Analytics data is kept in aggregate form.
Your choices and rights
You can ask us to give you a copy of the personal information we hold about you, to correct it, or to delete it (other than information we must keep for legal or security reasons). Email info@effectivecurrency.com and we will respond within a reasonable time. Depending on where you live, you may have additional rights under local law.
Children
This site is not directed to children under 16, and we do not knowingly collect information from them.
Security
We take reasonable steps to protect information, but no website or transmission is completely secure.
Educational content only
Content on this site is for education and is not financial, legal or tax advice.
Changes to this policy
We may update this policy from time to time. The “Last updated” date above shows when it was last changed.