Privacy Policy
Effective date: July 15, 2026 Last updated: July 15, 2026
Money & World is published by Creative Corner Agency LLC, a Florida limited liability company based in Naples, Florida. In this policy, "we", "us", and "our" mean Creative Corner Agency LLC. "You" means you, the person reading the site at moneyandworld.com.
This policy explains what we collect, why, who else sees it, and what you can do about it. We have written it to be read, not to be skimmed past. If anything here is unclear, write to privacy@moneyandworld.com and ask.
The short version
- You can read every article on this site without telling us who you are. No account, no email, no paywall.
- If you sign up for our newsletter, we have your email address. That is it.
- We use analytics to see which articles people read. It is aggregate, and we do not use it to build a profile of you.
- We do not sell your personal information. We have never sold it. We do not share it for cross-context behavioral advertising.
- We run no advertising today, and no advertising trackers.
- We do not ask for your name, your phone number, your address, your income, or your financial details, and please do not send them to us.
The rest of this page is the long version, and the long version is what governs.
1. What we collect
Information you give us
Newsletter signup ("The Ledger"). When you subscribe, we collect your email address. That is the only field we require. If we ever add an optional name field, it stays optional, and this policy will say so.
We also keep a record of when you subscribed, which signup form you used, and whether you have confirmed your subscription. We keep that because email law requires us to be able to show you asked to be here.
Email you send us. If you write to editor@, corrections@, rights@, advertising@, privacy@, legal@, or contact@moneyandworld.com, we receive whatever you put in that email. That includes your email address, your name if you sign it, and anything else you choose to tell us. We keep correspondence so we can follow up and so we have a record.
News tips and letters to the editor. If you send us a tip or a letter, we have what you sent. How we handle it editorially is covered in the Terms of Service. Please read the warning there: email is not a secure channel. Do not send us anything through it that would endanger you if it were intercepted.
Information we collect automatically
Server logs. Our hosting provider records standard web server information every time a page loads. That typically includes your IP address, the date and time, the page requested, the referring page, your browser type and version, and your operating system. This is how the web works. Every site that has ever loaded in your browser has this.
Analytics. We use an analytics service to understand which articles get read, how people find us, and where the site is broken. See Section 3.
Cookies and similar technologies. See our Cookie Policy for the full detail. The short version is that we use a small number of cookies, we do not use them for advertising, and you can control them.
Approximate location. Analytics and server logs let us infer a rough location from your IP address, usually at the country or city level. We do not collect GPS location, and we do not ask your browser for precise location.
What we do NOT collect
We want to be specific about this, because "we care about your privacy" is a sentence that means nothing.
- We do not collect your name, unless you volunteer it in an email to us.
- We do not collect your phone number. There is no phone field anywhere on this site.
- We do not collect your mailing address.
- We do not collect financial information. No bank account, no card number, no income, no net worth, no portfolio, no holdings. We are a news site. We have no reason to know.
- We do not collect Social Security numbers or any government identifier. If you email one to us unprompted, we will delete it.
- We do not collect biometric data.
- We do not collect precise geolocation.
- We do not knowingly collect anything from children under 13. See Section 8.
- We do not have user accounts today, so there are no passwords, no profiles, and no reading history tied to a named person.
- We do not buy personal data from data brokers, and we do not enrich or append data to your email address.
- We do not use advertising trackers, no ad pixels, no retargeting tags, no conversion pixels.
If any of this changes, we will change this page and say what changed.
2. Why we use what we collect
We use the information above for these purposes and no others:
| What we do | What we use | Why |
|---|---|---|
| Send you The Ledger | Your email address | Because you asked us to |
| Confirm you actually subscribed | Email, signup timestamp, confirmation record | Legal requirement, and it prevents someone signing you up as a prank |
| Let you unsubscribe | Your email address | Legal requirement |
| See which articles get read | Analytics data | To decide what to cover next |
| Keep the site up and fast | Server logs | To find and fix errors and slow pages |
| Stop abuse | Server logs, IP addresses | To block scrapers, bots, and attacks |
| Answer your email | Whatever you sent | Because you wrote to us |
| Report and publish | Tips and letters you send | Because that is what a newspaper does |
| Meet our legal obligations | Whatever is relevant | Because we have to |
We do not use your information to build an advertising profile of you. We do not use it to track you across other websites. We do not use it to make decisions about you by automated means, and we do not profile you in any way that produces legal effects for you.
3. Third parties who touch your data
We are a small publication. We do not build our own infrastructure. That means some vendors process data on our behalf. Here is the honest list.
Analytics
Provider: no third-party analytics
We use an analytics service to count page views and understand what people read. We have not finalized which provider we will use.
Our stated intent is to choose a privacy-respecting analytics tool, to enable IP anonymization or IP truncation where the tool offers it, and to disable any data sharing or advertising feature the tool offers. When we choose, we will name the provider here and link to its privacy policy.
Analytics data tells us that an article was read 4,000 times. It does not tell us that you read it.
Email delivery
Provider: [EMAIL SERVICE PROVIDER TBD]
The Ledger is delivered by an email service provider. We have not finalized which one. That provider stores your email address, your subscription status, and delivery information, and processes it on our instructions only.
Most email providers record whether an email was opened and whether a link was clicked. We will disclose here exactly what we track once the provider is chosen. Our stated intent is to turn off open tracking and individual click tracking if the provider allows it. We will not pretend to a practice we have not confirmed.
Hosting and content delivery
Provider: Vercel Inc.
The site is served by a hosting provider and, likely, a content delivery network. Those services necessarily see your IP address and request data in order to send you the page. They keep server logs. We have not finalized the provider.
What our vendors may and may not do
Every vendor we use is a service provider. They process your data to do a job for us, under contract. They are not allowed to use your data for their own purposes, to sell it, or to share it for advertising.
Who else we share with
- Nobody else, in the ordinary course. We do not share, rent, trade, or sell your information to other companies.
- Law enforcement and legal process. We will disclose information if we are legally required to. If a subpoena, court order, or other demand arrives, our practice is to review it, to push back on it if it is overbroad or improper, and to notify the affected person unless we are legally prohibited from doing so.
- A sale of the business. If Creative Corner Agency LLC is sold, merged, or reorganized, reader data may transfer as part of that deal. If that happens, we will post a notice here before your information becomes subject to a different privacy policy.
4. We do not sell your personal information
We are stating this plainly because the footer of this site links to "Do Not Sell My Information" and you deserve a straight answer about what that link is for.
We do not sell your personal information. We do not share your personal information for cross-context behavioral advertising. We have not done either of these things in the twelve months before the date at the top of this page, and we have no plan to start.
We are including the "Do Not Sell My Information" link anyway, for two reasons. First, several state privacy laws expect that link to exist and to be easy to find. Second, if we ever did begin selling or sharing (we do not intend to), that link is where you would go, and it should already be somewhere you know how to find.
Clicking that link brings you to this section. If you want to send us an opt-out on the record anyway, write to privacy@moneyandworld.com with the subject line "Do Not Sell" and we will log it. You do not need to prove who you are to send an opt-out. You do not need an account. There is nothing to opt out of today, but we will honor the request and we will honor it going forward.
One qualification, honestly stated. Some state privacy laws define "sale" and "share" broadly enough that the use of certain third-party analytics or advertising tools can count as a sale or a share, even when no money changes hands and even when the publisher does not think of it as selling anything. Our analytics provider is not yet chosen. When we choose one, we will assess whether its use meets those definitions under California law, and if it does, we will say so here plainly and we will make the opt-out functional rather than symbolic. We would rather tell you that than quietly redefine the word "sell".
If we ever begin selling or sharing personal information, we will update this page, we will honor Global Privacy Control signals, and we will not do it with the data of anyone we know to be under 16 without opt-in consent.
5. Global Privacy Control
Some browsers and extensions send a Global Privacy Control (GPC) signal, which is an automated way of telling a site not to sell or share your data.
We treat a GPC signal as a valid opt-out request. Since we do not sell or share personal information today, the signal has nothing to act on. If that ever changes, we will honor GPC as a legally binding opt-out, and this section will say how it works.
6. How long we keep things
| What | How long | Why |
|---|---|---|
| Newsletter email address | Until you unsubscribe, then up to for as long as you remain subscribed, and deleted on unsubscribe on a suppression list | The suppression list exists so we do not accidentally email you again |
| Signup and consent records | For as long as you are subscribed, plus a reasonable period after | To prove your subscription was legitimate if that is ever questioned |
| Server logs | 30 days, set by our hosting provider | Debugging and abuse prevention |
| Analytics data | not applicable, we run no analytics, set at the provider | Understanding readership over time |
| Email you send us | For as long as it is editorially or legally relevant | Follow-up, record keeping, and the historical record of the publication |
| Published letters and tips | Indefinitely, because they are part of the published record | It is a newspaper. The archive is the point. |
We cannot fill in the retention numbers until we have chosen our vendors. We will fill them in with real numbers, not with "as long as necessary".
One thing we will not do: we will not quietly keep your email address after you unsubscribe in order to email you again later. Unsubscribed means unsubscribed.
7. Security
We take reasonable measures to protect the information we hold. The site is served over HTTPS. Access to our newsletter list and our email is limited to the people who need it. We choose vendors who have a real security posture.
We are also going to be honest with you: no website is perfectly secure, and any site that tells you otherwise is lying. We hold very little about you, which is itself a security measure. The best protection for your data is that we never collected it.
If we experience a breach that affects your personal information, we will notify you and the relevant authorities as required by law, and we will tell you what actually happened rather than issuing a press release about how much we value your trust.
If you believe you have found a security vulnerability in this site, please write to legal@moneyandworld.com. We will not pursue legal action against anyone who reports a vulnerability to us in good faith, who does not access or destroy data beyond what is needed to demonstrate the problem, and who gives us a reasonable chance to fix it before going public.
8. Children's privacy
Money & World is a general news publication for adults. It is not directed at children.
We do not knowingly collect personal information from anyone under 13. The Children's Online Privacy Protection Act (COPPA) applies to operators who collect data from children under 13, and we do not want to be in that business.
If you are under 13, please do not subscribe to the newsletter and please do not send us email.
If you are a parent or guardian and you believe your child under 13 has given us personal information, write to privacy@moneyandworld.com. We will delete it promptly. You do not have to explain yourself and you do not have to prove anything to us beyond enough detail for us to find the record.
For readers aged 13 to 15: we do not sell or share your personal information. If we ever did, several state laws would require your affirmative opt-in first, and we would obtain it.
9. Your choices
You always have these options, no matter where you live:
- Do not subscribe. You can read everything on the site without giving us anything.
- Unsubscribe. Every email we send has an unsubscribe link. It works immediately. You do not have to tell us why.
- Block cookies. See the Cookie Policy and the Cookie Settings control in the footer.
- Use a tracker blocker. We will not break the site to stop you, and we will not nag you about it.
- Ask us anything. Write to privacy@moneyandworld.com. We answer.
10. Your rights, wherever you live
Some of the rights below come from specific laws that apply to specific people. We have decided to offer the core rights to everyone who reads this site, regardless of where you live, because we do not think your privacy rights should depend on your postal code.
That means anyone can ask us to:
- Tell you what we hold about you.
- Give you a copy of it.
- Correct it if it is wrong.
- Delete it.
To make a request, write to privacy@moneyandworld.com. Tell us what you want. We will respond within 45 days, and we will tell you if we need longer.
How we verify you. Since we hold almost nothing, verification is usually simple. For most requests, we will confirm you control the email address in question, generally by replying to it. We will not ask you for a photo of your driver's license to prove you own an email address we already have. That would mean collecting more sensitive data than the request is about, which defeats the purpose.
If we cannot find you. If you have never subscribed and never emailed us, we very likely hold nothing tied to you. Server log data and analytics data are typically not linked to an identity, which means we usually cannot find "your" record in it even if we wanted to. Privacy law does not require us to collect more data just so we can respond to a request. We will tell you honestly if this is the situation rather than pretending to search.
Cost. Free. If a request is genuinely excessive or repetitive we may charge a reasonable fee or decline, and if we do we will explain why.
Using an agent. You may use an authorized agent. We will ask for proof that you authorized them.
11. If you live in California
California residents have specific rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act (together, the CCPA/CPRA). Those rights are:
Right to know. You can ask us to disclose the categories and specific pieces of personal information we have collected about you, the categories of sources, our business purpose for collecting it, the categories of third parties we disclose it to, and whether we sold or shared it.
Right to delete. You can ask us to delete personal information we collected from you. We will do it, and we will tell our service providers to do it, unless a legal exception applies. One exception matters here: if you are a published letter writer or a named subject of our journalism, deletion does not extend to the published article. The First Amendment protects the publication of lawfully obtained truthful information, and the CCPA does not require a newspaper to unpublish its archive. We are telling you this up front rather than surprising you with it later.
Right to correct. You can ask us to correct inaccurate personal information about you. (For a factual error in an article, please use corrections@moneyandworld.com, which is a faster and better route.)
Right to opt out of sale or sharing. You can direct us not to sell your personal information or share it for cross-context behavioral advertising. We do not do either. See Section 4. The "Do Not Sell My Information" link in the footer takes you there.
Right to limit use of sensitive personal information. This right applies when a business uses sensitive personal information beyond certain permitted purposes. We do not collect sensitive personal information as the CCPA defines it, so there is nothing to limit.
Right to non-discrimination. We will never deny you service, charge you a different price, give you a lower quality of service, or retaliate against you for exercising a privacy right. Concretely: exercising a right will not get you removed from the newsletter, and there is no paywall you could be pushed behind for asking.
No financial incentives. We do not offer financial incentives or price differences in exchange for your personal information.
Our California disclosure, in the CCPA's own categories
In the twelve months before the date at the top of this page, we collected the following categories of personal information as the CCPA defines them:
| CCPA category | Do we collect it? | What, and from where | Sold or shared? |
|---|---|---|---|
| Identifiers (name, email, IP address, unique identifiers) | Yes | Email address if you subscribe or write to us. IP address automatically. Name only if you tell us. | No |
| Personal information under Cal. Civ. Code § 1798.80 (name, address, financial details) | No | We collect none of this | No |
| Protected classifications (race, sex, age, and similar) | No | We do not ask | No |
| Commercial information (purchases, purchase history) | No | We sell nothing today | No |
| Biometric information | No | Never | No |
| Internet or network activity (browsing, search history, interaction with the site) | Yes | Pages you viewed on our site, referring URL, browser and device type, via analytics and server logs. Not your activity on other sites. | No |
| Geolocation data | Coarse only | Approximate country or city inferred from IP. No precise location. | No |
| Audio, electronic, visual, or similar information | Only if you send it | Anything you attach to an email to us | No |
| Professional or employment information | Only if you tell us | Sometimes present in a tip or a letter | No |
| Education information | No | We do not ask | No |
| Inferences drawn to create a profile | No | We do not profile readers. | No |
| Sensitive personal information (SSN, precise geolocation, account credentials, health, sex life, race, religion, union membership, contents of private communications) | No | We do not collect it. Email you send to us is correspondence with us, not intercepted private communication. | No |
Sources: directly from you, and automatically from your device when you load a page.
Business purposes for disclosure: to our service providers (analytics, email delivery, hosting) so they can perform their function, and to legal authorities where required.
Sale or sharing: none, in any category.
Retention: see Section 6.
How to exercise a California right
Email privacy@moneyandworld.com. Say what you want. We will acknowledge within 10 business days and respond within 45 calendar days, and we may extend by another 45 days if we need to, in which case we will tell you why.
If we deny your request, we will tell you why in writing. You may appeal by replying to our response and saying you want it reviewed. If you are still unhappy, you may complain to the California Privacy Protection Agency or the California Attorney General.
Shine the Light. California Civil Code § 1798.83 lets California residents ask about disclosure of personal information to third parties for their direct marketing purposes. We make no such disclosures.
12. If you live in another US state with a privacy law
Several other states, including Colorado, Connecticut, Virginia, Utah, Texas, Oregon, Montana, and others, have consumer privacy laws with similar rights: access, correction, deletion, portability, and opt-out of targeted advertising, sale, and profiling.
Rather than write a section per state, we will keep it simple: if your state gives you a privacy right, we will honor it. Write to privacy@moneyandworld.com. We offer access, correction, deletion, and portability to everyone already, per Section 10. We do not conduct targeted advertising, we do not sell personal data, and we do not profile you, so those opt-outs have nothing to act on.
If your state gives you a right to appeal a denial, you have it: reply to our response and ask for review. We will respond to the appeal within 45 days and tell you where to complain if you are still unhappy.
13. If you are in the European Economic Area, the United Kingdom, or Switzerland
We are a United States publication. We do not target our services to the EU or the UK, and we do not monitor the behavior of people there. Depending on the facts, the GDPR and the UK GDPR may or may not apply to us. We are not going to litigate that question at you. If you are covered by the GDPR, here is where you stand.
Who is the controller. Creative Corner Agency LLC, Naples, Florida, United States. Contact: privacy@moneyandworld.com.
We have not appointed an EU or UK representative under Article 27, and we have not appointed a Data Protection Officer. We do not believe we are required to do either, given the scale and nature of what we do. We are telling you rather than leaving a gap where that disclosure normally goes. See the notes at the bottom of this page.
Our legal bases
| What we do | Legal basis | Explanation |
|---|---|---|
| Send you The Ledger | Consent (Art. 6(1)(a)) | You asked. You can withdraw at any time by unsubscribing, with no effect on what came before. |
| Analytics | Consent where required, otherwise legitimate interests (Art. 6(1)(f)) | Our interest is understanding what to publish. It is a light touch and we think it does not override your rights. If analytics cookies require consent where you are, our cookie banner asks first. |
| Server logs, security, abuse prevention | Legitimate interests (Art. 6(1)(f)) | We need to keep the site up and keep attackers out. |
| Publishing journalism, including material you send us | Legitimate interests (Art. 6(1)(f)), and the journalism exemption | See below. |
| Meeting legal obligations | Legal obligation (Art. 6(1)(c)) | Self-explanatory. |
The journalism exemption, stated openly. Article 85 of the GDPR requires member states to reconcile data protection with freedom of expression and information, and specifically with processing for journalistic purposes. Our editorial work relies on that. In practice this means the right to erasure does not let a person delete themselves out of a published news article, and the right of access does not give the subject of a story a route to our unpublished reporting, our sources, or our notes. This is not us being difficult. It is the balance the law itself strikes, and every news organization operates in it. It applies only to our journalism. It does not touch your newsletter subscription, which you can delete at any time for any reason.
Your GDPR rights
- Access (Art. 15). A copy of your personal data and information about how we process it.
- Rectification (Art. 16). Correction of inaccurate data.
- Erasure (Art. 17), the "right to be forgotten". Subject to the journalism exemption above.
- Restriction (Art. 18). Ask us to pause processing while a dispute is resolved.
- Portability (Art. 20). Your data in a structured, commonly used, machine-readable format, where processing is based on consent or contract and is automated. In practice this is your email address and your subscription date, which we will send you in a CSV or JSON file. We are not going to dress that up as more than it is.
- Objection (Art. 21). You may object to processing based on legitimate interests. You may object to direct marketing at any time and we must stop, no balancing test, no questions.
- Withdraw consent (Art. 7(3)). At any time, as easily as you gave it. The unsubscribe link is the mechanism.
- No automated decision-making (Art. 22). We do not make automated decisions with legal or similarly significant effects about you, and we do not profile you.
Write to privacy@moneyandworld.com. We will respond within one month, and we may extend by two further months for complex requests, in which case we will tell you within the first month and explain why. It is free.
Your right to complain
If you think we have mishandled your data, you have the right to lodge a complaint with a supervisory authority. You can complain to the authority in the EU member state where you live, where you work, or where you think the problem happened. A list of EU authorities is published by the European Data Protection Board at edpb.europa.eu.
In the United Kingdom, that authority is the Information Commissioner's Office (ICO), at ico.org.uk. In Switzerland, it is the Federal Data Protection and Information Commissioner (FDPIC), at edoeb.admin.ch.
You do not have to complain to us first. We would like the chance to fix it, and we will take you seriously if you give us that chance, but it is your right and it is not conditional on talking to us.
International transfers
We are based in the United States, and our servers and vendors are likely to be in the United States. If you use this site from the EEA, the UK, or Switzerland, your data is transferred to the United States, a country that does not have an EU adequacy decision covering all transfers, and whose surveillance laws differ from European law.
Where we rely on vendors, our intent is to use the European Commission's Standard Contractual Clauses, the UK International Data Transfer Addendum, or the EU-US Data Privacy Framework where the vendor is certified. We cannot confirm which mechanism applies until our vendors are chosen. This is flagged in the notes at the bottom of this page.
14. Do Not Track
Most browsers can send a "Do Not Track" signal. There has never been an agreed standard for what a site should do when it receives one, and the industry effectively abandoned it. We do not respond to Do Not Track signals, and we are telling you that instead of leaving it vague. We do respond to Global Privacy Control, which is the successor that actually has legal force. See Section 5.
15. Links to other sites
We link out constantly. Once you follow a link away from moneyandworld.com, you are on someone else's site, under their privacy policy, and we have no control over what they do. Our policy covers this site only.
16. Changes to this policy
We may update this policy. When we do, we will change the "Last updated" date at the top.
If we make a change that materially affects your rights, we will do more than change a date. We will describe the change on this page, and we will tell newsletter subscribers by email. Specifically, we will notify you in advance if we ever start selling or sharing personal information, start running advertising trackers, or start collecting a category of data we said above we do not collect.
17. Contact us
For anything about privacy or this policy:
privacy@moneyandworld.com
For other matters:
| What you need | Where to write |
|---|---|
| Editorial, news tips, letters | editor@moneyandworld.com |
| Corrections | corrections@moneyandworld.com |
| Reprints, licensing, permissions | rights@moneyandworld.com |
| Advertising | advertising@moneyandworld.com |
| Legal notices | legal@moneyandworld.com |
| Anything else | contact@moneyandworld.com |
Money & World Creative Corner Agency LLC Naples, Florida, United States
Email is the only way to reach us. We do not publish a phone number or a mailing address.