Privacy Policy

Who We Are

Clear Wallet Guide is a personal finance education website located at https://clearwalletguide.com. We publish educational content about credit scores, debt relief, loans, government benefits, budgeting, saving, and banking.

This website is intended to provide general educational information. It does not provide individualized financial, legal, tax, credit, or professional advice.

Information We Collect

We may collect limited information when you visit the website, leave a comment, submit a contact form, sign up for email updates, click a link, or interact with content on the site.

Comments

When visitors leave comments on the site, we collect the data shown in the comments form. We also collect the visitor’s IP address and browser user agent string to help detect spam and protect the website.

An anonymized string created from your email address, also called a hash, may be provided to the Gravatar service to see if you are using it. The Gravatar privacy policy is available at Automattic Privacy Policy. After approval of your comment, your profile picture may be visible to the public in the context of your comment.

Contact Forms and Email

If you contact us through a form, email, or another communication method, we may collect your name, email address, message, IP address, and related technical information. We use this information to respond to your message, provide support, prevent spam, and maintain site security.

If you sign up for email updates, we may use your email address to send educational content, site updates, or promotional messages. You can unsubscribe from marketing emails at any time by using the unsubscribe link in the email or by contacting us through our Contact page.

Cookies

Cookies are small files placed on your device that help websites function, remember preferences, measure traffic, and support advertising. Clear Wallet Guide may use cookies and similar technologies for site functionality, security, analytics, advertising, affiliate tracking, and performance measurement.

WordPress Cookies

If you leave a comment on our site, you may opt in to saving your name, email address, and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies may last for one year.

If you visit a login page, a temporary cookie may be set to determine whether your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

If you log in to the website, WordPress may set cookies to save login information and display preferences. Login cookies usually last for two days, and screen options cookies may last for one year. If you select “Remember Me,” your login may persist for two weeks. If you log out, login cookies are removed.

If you edit or publish an article, an additional cookie may be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article that was edited. It typically expires after one day.

Google AdSense and Advertising Cookies

Clear Wallet Guide may display advertisements served by Google AdSense and other third-party advertising partners. These partners may use cookies, web beacons, pixels, or similar technologies to serve ads, measure ad performance, prevent fraud, limit repeated ads, and personalize advertising where permitted.

Third-party vendors, including Google, may use cookies to serve ads based on a user’s prior visits to this website or other websites. Google’s use of advertising cookies enables Google and its partners to serve ads to users based on their visit to this site and other sites on the internet.

Users may opt out of personalized advertising by visiting Google Ads Settings. Users may also opt out of some third-party vendors’ use of cookies for personalized advertising by visiting YourAdChoices.

You can learn more about how Google uses information from sites and apps that use Google services by visiting How Google uses data from sites or apps that use Google services.

Google Analytics

Clear Wallet Guide uses Google Analytics to understand how visitors use the website. Google Analytics may collect information such as pages visited, time on page, browser type, device type, approximate location, referring websites, and interactions with website content.

Google Analytics uses cookies and similar technologies to help us measure traffic, improve site performance, understand popular content, and make the website easier to use. We do not use Google Analytics to collect Social Security numbers, bank account numbers, full credit card numbers, or other highly sensitive financial information.

You can learn more about Google’s privacy practices by visiting Google Privacy Policy. You can also use the Google Analytics Opt-out Browser Add-on where available.

Affiliate Links

Clear Wallet Guide may include affiliate links to products, services, lenders, credit-related tools, financial education resources, or other partner websites. If you click an affiliate link and take an action such as applying, signing up, or making a purchase, we may receive compensation at no extra cost to you.

Affiliate partners may use cookies, tracking links, or similar technologies to determine that you came from Clear Wallet Guide. Once you leave our website, the privacy policy and terms of the third-party website apply.

Embedded Content From Other Websites

Articles on this site may include embedded content such as videos, images, calculators, charts, social media posts, or articles. Embedded content from another website behaves in the same way as if the visitor visited the other website directly.

These third-party websites may collect data about you, use cookies, embed additional tracking, and monitor your interaction with embedded content, including tracking your interaction if you have an account and are logged in to that website.

External Links

Clear Wallet Guide may link to government websites, credit bureaus, lenders, financial companies, consumer protection resources, affiliate partners, and other third-party websites. We are not responsible for the privacy practices, content, security, or accuracy of third-party websites.

When you click an external link, you should review that website’s privacy policy and terms before providing personal information.

Who We Share Your Data With

We do not sell personal information for money. However, we may share limited information with service providers and partners that help us operate, secure, improve, and monetize the website.

• Website hosting providers that help operate the site.
• Spam detection and security tools that help protect comments, forms, and the website.
• Email service providers if you subscribe to email updates.
• Analytics providers such as Google Analytics.
• Advertising partners such as Google AdSense and other ad networks.
• Affiliate partners when you click affiliate links or partner offers.
• Legal, compliance, or safety authorities if required by law or necessary to protect rights, safety, or security.

If you request a password reset, your IP address may be included in the reset email.

How Long We Retain Your Data

If you leave a comment, the comment and its metadata may be retained indefinitely. This helps us recognize and approve follow-up comments automatically instead of holding them in a moderation queue.

If you contact us, we may retain your message for as long as needed to respond, keep business records, prevent abuse, or comply with legal obligations.

If you subscribe to emails, we may retain your email address until you unsubscribe or request deletion, subject to any legal or administrative records we must keep.

Analytics and advertising data may be retained according to the settings and policies of our analytics, advertising, and technology providers.

Your Privacy Choices and Rights

Depending on where you live and the privacy laws that apply, you may have the right to request access to personal information, correction, deletion, or other privacy choices. We will review requests as required by applicable law.

If you have an account on this site, have left comments, submitted a contact form, or signed up for emails, you can request to receive an exported file of the personal data we hold about you. You can also request that we erase personal data we hold about you. This does not include data we are required to keep for administrative, legal, security, or compliance purposes.

Cookie and Advertising Choices

• You can block or delete cookies through your browser settings.
• You can opt out of personalized Google ads through Google Ads Settings.
• You can opt out of some third-party personalized advertising through YourAdChoices.
• You can use the Google Analytics Opt-out Browser Add-on where available.

Do Not Sell or Share Personal Information

Clear Wallet Guide does not sell personal information for money. However, advertising and analytics partners may use cookies and similar technologies for advertising, measurement, personalization, and performance tracking. Some privacy laws may consider this activity a form of “sharing” or targeted advertising.

You can limit personalized advertising by using the opt-out links listed in this Privacy Policy, adjusting your browser settings, or contacting us through our Contact page.

Data Security

We use reasonable administrative, technical, and organizational measures to help protect the website and the information submitted through it. However, no website, internet transmission, or electronic storage system can be guaranteed to be completely secure.

Please avoid submitting highly sensitive financial information through comments, contact forms, or email unless specifically requested through a secure and appropriate method.

Children’s Privacy

Clear Wallet Guide is intended for a general audience and is not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided personal information to us, please contact us so we can review and remove the information where appropriate.

Where Your Data Is Sent

Visitor comments may be checked through an automated spam detection service. Information may also be processed by hosting providers, analytics tools, advertising partners, affiliate partners, email service providers, and security tools that help operate the website.

Some service providers may process information on servers located outside your state or country.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our website, advertising partners, analytics tools, legal requirements, or business practices. When we update this page, we will revise the effective date near the top of the policy.

Contact Us

If you have questions about this Privacy Policy or want to make a privacy request, please contact Clear Wallet Guide through our Contact page.