Privacy Policy

This Privacy Policy explains how OnWealth Media, LLC ("OnWealth," "we," "us," or "our") collects, uses, shares, retains, and protects information when you use onwealth.net and any related digital property that links to this policy (collectively, the "Services"). It is intended to describe our current website and content operations in plain language rather than rely on a generic privacy template.

This policy does not apply to third-party websites, apps, or services that may be linked from our content. Those third parties have their own policies and practices, and you should review them separately before sharing personal information.

1. Information We Collect

The information we collect depends on how you use the Services.

Information you provide directly. We may collect information you choose to send to us, such as your name, email address, and the contents of messages or form submissions. This can happen when you subscribe to email updates, contact us, respond to a form, or otherwise communicate with us.

Information collected automatically. Like most websites, we collect certain technical and usage information automatically when you visit the Services. This may include your IP address, browser type, device type, operating system, approximate location derived from IP, referring URL, pages viewed, search queries, timestamps, and how you interact with site features.

Our analytics tool helps us understand aggregate site usage, such as pages viewed, referring pages, browser type, device type, operating system, approximate location, timestamps, and interactions with site features. Our analytics tool does not use cookies to track visitors and does not store IP addresses in analytics records. It uses privacy-preserving methods to estimate visits and usage patterns without identifying users across unrelated websites.

Information from vendors and service providers. We may receive limited information from vendors that help us operate the Services, such as website hosting, email delivery, security, analytics, or fraud-prevention providers.

Information you should not submit. Our public website and general contact channels are not intended for highly sensitive personal information. Please do not send Social Security numbers, driver's license numbers, financial account credentials, tax returns, or similar sensitive data through ordinary site forms or general email unless we specifically ask for it through a secure process.

2. How We Use Information

We use information we collect to operate, maintain, and improve the Services, including to:

• publish, deliver, and improve articles, glossary terms, guides, calculators, newsletters, and related site features
• respond to messages, support requests, or other inquiries you send us
• send newsletters or updates you request, subject to your communication preferences
• understand site usage, troubleshoot issues, and improve performance, navigation, and content relevance
• protect the Services, investigate abuse, prevent fraud, and enforce our terms and policies
• comply with legal obligations and maintain appropriate business records

3. How We Share Information

We do not sell personal information for money. We may share information in the following limited circumstances:

• Service providers. We work with vendors that help us host the site, deliver email, secure infrastructure, and analyze usage. They may process information on our behalf as needed to provide those services.
• Legal or safety reasons. We may disclose information if we believe it is reasonably necessary to comply with law, respond to legal process, protect our rights, investigate fraud or abuse, or protect users and the public.
• Business transfers. If OnWealth is involved in a merger, acquisition, financing, reorganization, or asset sale, information may be transferred as part of that transaction.
• With your direction. We may share information when you ask us to do so or clearly direct us to interact with a third party.
• Aggregated or de-identified information. We may use or share information that has been aggregated or de-identified so it no longer reasonably identifies you.

4. Cookies and Similar Technologies

We and our service providers may use cookies, server logs, pixels, and similar technologies to remember preferences, understand site traffic, improve functionality, measure newsletter or content engagement, and maintain site security. Our analytics tool does not use cookies to track visitors. You can usually control cookies through your browser settings. Disabling some cookies may affect how parts of the Services function.

5. Affiliate Links and Third-Party Destinations

Some outbound links on OnWealth may be affiliate links. If you click one of those links, the destination site may collect information under its own privacy policy and tracking practices. Our current affiliate practices are described separately in our Affiliate Disclosure.

We may also link to third-party articles, tools, videos, or other resources for reference or convenience. We do not control those third-party privacy practices and are not responsible for their policies, content, or security.

6. Data Retention

We retain personal information for as long as reasonably necessary for the purposes described in this policy, including to operate the Services, maintain records, resolve disputes, comply with legal obligations, and protect the security and integrity of our systems. Retention periods vary based on the type of information and the reason it was collected.

If you ask us to delete information, we may still keep limited records where necessary for legal compliance, security, fraud prevention, backup integrity, or documentation of your request.

7. Children's Privacy

The Services are not directed to children under 13, and 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 at privacy@onwealth.net so we can review and address the issue.

8. US State Privacy Rights

Depending on where you live, you may have privacy rights under applicable US state laws. These rights may include the right to request access to personal information, request correction, request deletion, request a portable copy of certain information, appeal certain decisions, or opt out of particular data uses where those rights apply.

To make a privacy request, contact us at privacy@onwealth.net. We may need to verify your identity before acting on a request, and we may limit our response where permitted by law. We will not discriminate against you for exercising privacy rights available under applicable law.

9. International Access

OnWealth is based in the United States and is primarily intended for users in the United States. If you access the Services from outside the United States, you understand that your information may be processed and stored in the United States or other jurisdictions where our service providers operate. Those jurisdictions may have privacy laws that differ from the laws in your location.

10. Security

We use reasonable administrative, technical, and organizational measures designed to protect information against unauthorized access, loss, misuse, or alteration. No method of transmission over the internet or method of electronic storage is completely secure, so we cannot guarantee absolute security.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in the Services, our practices, or applicable law. When we update it, we will post the revised version here and update the effective date represented by the page's last-updated timestamp. If a change is material, we may provide additional notice where appropriate.

12. Contact Us

If you have questions about this Privacy Policy or want to make a privacy-related request, email us at privacy@onwealth.net.