Privacy Policy

Last Updated: January 2026

A Fixed Income ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services.

1. Information We Collect

Information You Provide to Us

We may collect information that you voluntarily provide when you:

• Subscribe to our newsletter
• Purchase our digital guides or products
• Contact us with questions or feedback
• Fill out forms on our website

This information may include:

• Email address
• Name (if provided)
• Payment information (processed securely by third-party payment processors)
• Any other information you choose to provide

Information Collected Automatically

When you visit our website, we may automatically collect certain information about your device and usage, including:

• IP address
• Browser type and version
• Operating system
• Device type (desktop, mobile, tablet)
• Pages visited and time spent on pages
• Referring website or source
• Date and time of visits

2. How We Use Your Information

We use the information we collect to:

• Send you our newsletter with money-saving tips and resources
• Deliver digital products you purchase
• Process transactions and send related information
• Respond to your questions, comments, and support requests
• Improve our website, content, and services
• Analyze usage patterns to enhance user experience
• Send you updates about changes to our policies or services
• Protect against fraudulent or unauthorized activity

3. Newsletter and Email Communications

When you subscribe to our newsletter, we collect your email address to send you money-saving tips, resources, and occasional promotional content. You can unsubscribe at any time by clicking the "unsubscribe" link at the bottom of any email or by contacting us directly.

We may use third-party email service providers to manage our newsletter and email communications. These providers are contractually obligated to protect your information.

4. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

• Service Providers: We may share information with trusted third-party service providers who assist us in operating our website, processing payments, sending emails, or analyzing data. These providers are contractually bound to use your information only for the services they provide to us.
• Legal Requirements: We may disclose your information if required by law, court order, or governmental authority, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
• Business Transfers: If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

5. Third-Party Service Providers

We use the following types of third-party services:

• Analytics: To understand how visitors use our website
• Email Marketing: To send newsletters and communications
• Payment Processing: To securely process purchases
• Hosting: To serve our website content

Each of these providers has their own privacy policies governing their use of your information.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to improve your experience on our website, remember your preferences, and analyze site traffic. For detailed information about the cookies we use and how to manage them, please see our Cookie Policy.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including:

• Newsletter subscribers: Until you unsubscribe or request deletion
• Purchase records: For the period required by applicable tax and accounting laws (typically 7 years)
• Website analytics data: Typically retained in aggregate form for up to 26 months

8. Your Rights and Choices

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information
• Opt out of marketing communications at any time
• Withdraw consent where processing is based on consent

To exercise any of these rights, please contact us at darrin@noticememedia.com.

9. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to Know: You can request information about the categories and specific pieces of personal information we have collected about you
• Right to Delete: You can request that we delete your personal information, subject to certain exceptions
• Right to Opt-Out: You can opt out of the sale of your personal information (note: we do not sell personal information)
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights

To make a request under the CCPA, please contact us at darrin@noticememedia.com.

10. International Data Transfers

Our website is operated in the United States. If you are accessing our website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located. By using our website, you consent to the transfer of your information to the United States.

11. Children's Privacy

Our website and services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete that information promptly. If you believe we may have collected information from a child under 18, please contact us immediately.

12. Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Secure (HTTPS) connections for all website traffic
• Encrypted storage of sensitive data
• Limited access to personal information on a need-to-know basis
• Regular security assessments and updates

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee its absolute security.

13. Links to Other Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any websites you visit.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will update the "Last Updated" date at the top of this policy. We encourage you to review this policy periodically.

15. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

Email: darrin@noticememedia.com