Legal
Privacy Policy
Effective Date: March 16, 2026 · Last Updated: March 16, 2026
This Privacy Policy explains how Rashida Herbers ("SmartMoneyMoves", "we", "us", or "our") collects, uses, and protects information when you visit https://moneymakeover-mjhzgrf8.manus.space and use the free financial tools provided on this site. By using this site, you agree to the practices described below.
1. Information We Collect
We collect only the minimum information necessary to provide the tools and services on this site. The table below summarizes what we collect and why.
| Data Type | How Collected | Purpose |
|---|---|---|
| Email address | Voluntarily entered in the email gate form | To unlock your personalized results and add you to our mailing list |
| Debt inputs (balances, APR, payments) | Entered by you in the calculator | Stored only in your browser (localStorage) — never sent to our servers |
| Usage data (pages visited, browser type, device) | Automatically via analytics | To understand how the tool is used and improve it |
| Cookies / local storage | Set automatically by the browser | To remember your email gate status and save your calculator inputs |
2. How We Use Your Information
Your email address is used for the following purposes:
- To unlock your personalized debt payoff results on this site.
- To add you to the Rashida Herbers mailing list, where you may receive free personal finance tips, tool updates, and occasional promotional content. You can unsubscribe at any time using the link in any email we send.
- To understand how many people use this tool and how to improve it.
Your debt data (balances, APR, payment amounts) is processed entirely in your browser. It is saved to your device's local storage so your inputs persist between visits. This data is never transmitted to our servers and is never visible to us.
3. Email Marketing and MailerLite
We use MailerLite to manage our mailing list and send emails. When you enter your email address on this site, it is transmitted securely to MailerLite and stored on their servers. MailerLite acts as a data processor on our behalf and is bound by a Data Processing Agreement. You can review MailerLite's own privacy policy at mailerlite.com/legal/privacy-policy. You may unsubscribe from our mailing list at any time by clicking the unsubscribe link in any email we send, or by emailing us at [email protected].
4. Affiliate Links and Sponsored Content
This site contains affiliate links and sponsored placements, which are clearly marked with #ad. If you click an affiliate link and make a purchase or open an account, Rashida Herbers may earn a commission at no additional cost to you. Affiliate relationships do not influence the educational content or tool calculations on this site. Current affiliate relationships include CIT Bank and Money.com debt consultation services.
5. Cookies and Local Storage
This site uses browser local storage (not traditional cookies) to save your calculator inputs and remember whether you have already submitted your email. This data stays on your device and is not transmitted to us. You can clear this data at any time by clearing your browser's local storage or site data in your browser settings. We may also use third-party analytics tools that set their own cookies to measure site traffic and usage patterns.
6. Third-Party Services
We use the following third-party services on this site. Each has its own privacy policy governing how they handle data.
| Service | Purpose | Privacy Policy |
|---|---|---|
| MailerLite | Email list management | View Policy |
| CIT Bank | Affiliate sponsor | View Policy |
| Money.com | Debt consultation affiliate | View Policy |
7. Data Sharing and Sale
We do not sell, rent, or trade your personal information to any third party. We do not share your email address with advertisers. The only third party that receives your email address is MailerLite, solely for the purpose of sending you emails from Rashida Herbers. We may disclose information if required to do so by law or in response to a valid legal request.
8. Your Rights
Depending on your location, you may have the following rights regarding your personal data:
- Access: Request a copy of the personal data we hold about you.
- Deletion: Request that we delete your email address from our mailing list and records.
- Correction: Request that we correct inaccurate information.
- Opt-out: Unsubscribe from our mailing list at any time.
- Portability: Request your data in a portable format.
To exercise any of these rights, email us at [email protected]. We will respond within 30 days.
9. Children's Privacy
This site is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe a child under 13 has submitted their email address through this site, please contact us at [email protected] and we will promptly delete it.
10. Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will update the "Last Updated" date at the top of this page. We encourage you to review this page periodically. Continued use of this site after any changes constitutes your acceptance of the updated policy.
11. Contact Us
If you have any questions about this Privacy Policy or how we handle your data, please contact us at: