Effective Date: May 26, 2026 Last Updated: May 26, 2026
1. Introduction
This Privacy Policy describes how The Money Margin ("we," "us," or "our") collects, uses, and shares information about you when you visit our website at https://read.intellectpost.com, subscribe to our newsletter, download our content, or otherwise interact with us (collectively, the "Services").
By using our Services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies and practices, please do not use our Services.
2. Information We Collect
2.1 Information You Provide Directly
When you subscribe to our newsletter or download our resources, we collect:
Email address
First name (when provided)
ZIP code (when provided)
Any information you voluntarily submit when contacting us
2.2 Information Collected Automatically
When you visit our website or open our emails, we automatically collect:
IP address and approximate geographic location
Browser type and version
Device type (desktop, mobile, tablet)
Operating system
Pages viewed and time spent on pages
Referring website or source (e.g., Facebook, Google)
Email open and click activity
Date and time of access
We and our third-party service providers use cookies, web beacons, pixel tags, and similar technologies to collect information about your activity on our website and across other websites. These technologies help us:
Recognize returning visitors
Understand how visitors use our Services
Measure the effectiveness of our marketing campaigns
Deliver relevant advertising
You can control cookies through your browser settings. Disabling cookies may limit some features of our Services.
3. How We Use Your Information
We use the information we collect to:
Deliver our newsletter and requested content (such as PDF guides)
Send transactional emails (welcome messages, account confirmations)
Communicate marketing messages, including affiliate offers and partner recommendations
Personalize content based on your interests and location
Analyze and improve our Services
Detect, prevent, and address technical issues, fraud, or security threats
Comply with legal obligations
Measure the performance of our advertising campaigns
4. Legal Basis for Processing
We process your personal information based on:
Consent: When you subscribe to our newsletter or download our content, you consent to receive communications from us.
Legitimate Interest: To operate and improve our Services, prevent fraud, and market relevant offers.
Legal Obligation: To comply with applicable laws and regulations.
We do not sell your personal information for monetary compensation. We share your information only in the following circumstances:
5.1 Service Providers
We share information with third-party service providers who help us operate our Services:
Beehiiv — email delivery, subscriber management, website hosting
Meta Platforms (Facebook/Instagram) — advertising delivery and measurement via the Meta Pixel and Conversions API
Google — analytics and advertising services
Affiliate Partners — when you click an affiliate link, the destination partner collects information about your interaction with their offer
5.2 Affiliate Marketing Disclosure
The Money Margin participates in affiliate marketing programs. When you click affiliate links in our emails, PDFs, or website, we may earn a commission if you take a qualifying action (such as submitting a quote request or making a purchase). The affiliate partner collects information about your interaction with their offer, governed by their own privacy policy.
Current affiliate partnerships include but are not limited to:
iDrive Interactive / SelectMyPolicy (home insurance quotes)
Other personal finance and consumer service offers
We disclose this affiliate relationship in accordance with FTC guidelines.
5.3 Legal Disclosures
We may disclose your information if required by law, court order, or government request, or to protect our rights, property, or safety, or that of our users or others.
5.4 Business Transfers
If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify subscribers via email or website notice of any such change.
6. Third-Party Tracking and Advertising
6.1 Meta Pixel
We use the Meta Pixel, a tracking technology provided by Meta Platforms, Inc. The Meta Pixel collects information about your interactions with our website, including pages visited and actions taken, and shares this data with Meta. Meta uses this information to deliver targeted advertising, measure ad performance, and build audiences. For more information, see Meta's Privacy Policy at https://www.facebook.com/privacy/policy.
6.2 Conversions API and Advanced Matching
When you subscribe through our website or a Meta Lead Ad, we may share hashed identifiers (such as a hashed version of your email address) with Meta for ad attribution and measurement purposes. This data is sent in a privacy-safe, hashed format that cannot be reverse-engineered.
6.3 Opting Out
You can manage Meta's advertising preferences at https://www.facebook.com/ads/preferences. You can opt out of cookie-based interest advertising through industry programs such as:
Digital Advertising Alliance: https://optout.aboutads.info
Network Advertising Initiative: https://optout.networkadvertising.org
7. Email Communications
When you subscribe to our newsletter, you will receive periodic emails containing:
The newsletter content you signed up for
Educational content related to personal finance, home insurance, and consumer savings
Affiliate offers and partner recommendations that may interest you
Updates about our publication
Every marketing email includes an unsubscribe link. You can unsubscribe at any time, free of charge. Unsubscribing will stop marketing communications but does not delete your account or historical data unless you request deletion separately.
8. California Privacy Rights (CCPA / CPRA)
If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):
Right to Know: Request disclosure of the personal information we collect, use, and share about you.
Right to Delete: Request deletion of personal information we hold about you, subject to certain exceptions.
Right to Correct: Request correction of inaccurate personal information.
Right to Opt Out of Sale or Sharing: We do not sell personal information for monetary value. We may share information with advertising partners (such as Meta) for cross-context behavioral advertising. You can opt out of this sharing by emailing us at the address below.
Right to Non-Discrimination: We will not discriminate against you for exercising any of these rights.
To exercise any of these rights, contact us at [email protected] with the subject line "California Privacy Rights Request." We may need to verify your identity before processing your request.
9. Other US State Privacy Rights
Residents of states with comprehensive privacy laws (including but not limited to Colorado, Connecticut, Utah, Virginia, Texas, Oregon, Montana, Iowa, Tennessee, Indiana, Delaware, and New Jersey) have rights similar to those described above, including the right to access, delete, correct, and opt out of certain processing of their personal information. Contact us at the email below to exercise these rights.
10. Children's Privacy
Our Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you become aware that a child has provided us with personal information, please contact us so we can delete it.
11. Data Retention
We retain your personal information for as long as necessary to provide our Services and fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law. When you unsubscribe and request deletion, we will delete your information from active systems within 30 days, though some information may persist in backups for an additional period.
12. Data Security
We implement reasonable technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or method of electronic storage is 100% secure. We cannot guarantee absolute security.
13. International Data Transfers
We are based in Algeria, and our service providers operate in various countries including the United States. If you access our Services from outside Algeria or the United States, your information may be transferred to, stored, and processed in those countries. By using our Services, you consent to this transfer.
14. Third-Party Links
Our Services contain links to third-party websites and affiliate offers. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any personal information.
15. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we make material changes, we will update the "Last Updated" date at the top of this policy and notify subscribers via email or a prominent notice on our website. Continued use of our Services after changes are posted constitutes acceptance of the updated policy.
16. Contact Information
If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, contact us at:
The Money Margin Email: [email protected] Website: https://read.intellectpost.com
For privacy-specific requests, please use the subject line "Privacy Request" so we can route your inquiry promptly.
17. Acknowledgment
By using our Services, subscribing to our newsletter, or providing your personal information, you acknowledge that you have read, understood, and agree to the terms of this Privacy Policy.
Why this policy works for your specific situation
I tailored several things to your actual operation:
Section 5.1 — Service Providers lists Beehiiv, Meta, Google, and affiliate partners by name. This satisfies Facebook's Lead Form review (they look for "data shared with Meta" disclosure) and iDrive's compliance (they want to see affiliate disclosure).
Section 5.2 — Affiliate Marketing Disclosure is FTC-compliant. The FTC requires affiliate disclosure on US-targeting sites. iDrive specifically may check for this before approving a payout dispute.
Section 6 — Meta Pixel, Conversions API, Advanced Matching is explicitly required for Lead Ads approval. Facebook scans privacy policies for "Meta Pixel" or "Facebook Pixel" mentions before approving Lead Forms.
Section 7 — Email Communications explicitly covers affiliate emails. This is the legal cover for "we will email you home insurance offers." Without this, an aggrieved subscriber could claim deceptive practices.
Section 8 — CCPA / CPRA is required because you target California users (you're targeting US-wide, which includes CA).
Section 9 — Other US State Privacy Rights covers the 12+ states with active consumer privacy laws as of 2026. This is rapidly expanding; this clause keeps you legally covered as more states pass similar laws without needing constant updates.
Section 13 — International Data Transfers discloses you operate from Algeria. This is legally important because EU residents (if any sneak in) have GDPR rights about international transfers. Better to disclose upfront.