Privacy Policy

I. Introduction

A. About Us and This Policy

This Privacy Policy describes how Street Money Magazine and Street Money Radio, operating under the website streetmoneymagazine.com (collectively, “Street Money,” “we,” “us,” or “our”), collect, use, share, and protect your personal information when you interact with our services (the “Services”). We are committed to safeguarding your privacy and ensuring transparency in our data handling practices. This document outlines these practices and your rights concerning your personal information.

B. Scope of This Policy

This Privacy Policy applies to personal information collected through all our Services and platforms, including but not limited to:

Our website: streetmoneymagazine.com, and any other website owned or operated by us that links to this privacy notice.
Our mobile application(s), including the “Street Money Magazine App” and the “Street Money Radio App” (if applicable, specific names should be listed).
Our radio station broadcasts and related services, such as online streaming, listener call-ins, contest participation, and other interactions.
Our print magazine, including subscriber information, reader contributions (e.g., letters to the editor), responses to reader surveys, and contest entries.
Our online magazine content and any interactive features associated with it.

This policy covers personal information collected through both online and offline channels, such as when you fill out a physical print subscription form or register for one of our events. It is important for a multi-platform organization like Street Money to explicitly detail the scope across all its operations, as data collection methods and the types of data collected can vary significantly. For instance, print magazine subscriptions inherently involve the collection of physical mailing addresses, while our mobile applications might collect device identifiers or, with consent, location data. Our radio services may involve the collection of data from listener call-ins or analytics related to online streaming. Failing to address each platform specifically could result in incomplete disclosures and a misunderstanding of our data practices.

C. Acceptance of This Policy

By accessing, using, or interacting with any of our Services, you signify your understanding of and agreement to the collection, use, and sharing of your personal information as described in this Privacy Policy. Establishing this understanding from the outset is crucial for managing user expectations and fostering a transparent relationship, which is a cornerstone of trust.

D. Effective Date and “Last Updated” Date

This Privacy Policy is effective as of the “Last Updated” date indicated at the top of this document. This date reflects the most recent revision of the policy. Maintaining an accurate “Last Updated” date is a key component of transparency, signaling our ongoing commitment to compliance, particularly important in light of the continuously evolving landscape of privacy legislation, such as the pending North Carolina Personal Data Privacy Act.

E. Key Definitions

For the purposes of this Privacy Policy, “Personal Information” (or “Personal Data”) refers to any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular individual or household. Providing such definitions ensures a clear and consistent understanding of the terms used throughout this policy.

II. Information We Collect

This section details the categories of Personal Information we collect and the methods by which we collect it. Understanding not just what data is collected, but also why and how, is fundamental to transparency and aligns with data minimization principles.

A. Types of Personal Information We Collect

We may collect the following categories of Personal Information:

Identifiers: This includes information such as your real name, any alias you use, postal address, unique personal identifiers (e.g., customer number), online identifiers (e.g., username, social media handle), Internet Protocol (IP) address, email address, account name, and phone number.
Customer Records Information: This encompasses paper and electronic customer records containing Personal Information, such as your name, signature (where applicable, e.g., on a physical form), address, telephone number. It may also include information related to education, employment, or employment history if you provide it in specific contexts (e.g., professional surveys, job applications to Street Money), and financial information (e.g., payment card details for subscriptions).
Commercial Information: This includes records of products or services you have purchased, obtained, or considered (e.g., magazine subscriptions, tickets to Street Money events), or other purchasing or consuming histories or tendencies related to our Services.
Internet or Other Electronic Network Activity Information: This category covers your browsing history on our websites, search history related to our content, and information regarding your interactions with our websites, mobile applications, or advertisements. For example, this may include data on the articles you read in our online magazine or the stations and shows you listen to via our radio applications.
Geolocation Data: We may collect precise physical location or movements if our mobile applications offer location-based services and you provide explicit consent. We may also infer your general geographic location from your IP address.
Audio, Electronic, Visual Information: This may include recordings of your calls to our radio station (with appropriate notice and consent where required by law) or photos and videos you voluntarily submit to us, for instance, for contests or as reader-contributed content.
Professional or Employment-Related Information: We may collect this type of information if you voluntarily provide it in contexts such as reader surveys focusing on professional demographics, letters to the editor that include your professional affiliation, or if our Services include sections or forums dedicated to professional discussions.
Inferences Drawn: We may draw inferences from any of the information we collect to create a profile reflecting your preferences, characteristics, predispositions, behavior, or attitudes. For example, we might analyze your listening habits or the types of articles you view to recommend similar content that may be of interest to you.
User-Generated Content: This includes any information you voluntarily provide by interacting with our Services, such as comments you post on articles, submissions to online forums, letters to the editor, responses to surveys, entries for contests, and any other content you choose to share. It is important for users to understand that when they submit such content, it inherently contains Personal Information (e.g., their name and the content of their views), and by submitting it, they are consenting to its potential publication and handling as described in this Privacy Policy.

B. How We Collect Your Information

We collect Personal Information in the following ways:

Directly From You:
- When you register for an account on our website or mobile applications, subscribe to our print or online magazine, or sign up for our newsletters.
- When you explicitly sign up to receive email and text message updates from us.
- When you download, install, and use our mobile application(s).
- When you participate in surveys, contests, sweepstakes, or promotional offers we sponsor.
- When you submit content to us, such as letters to the editor, articles for consideration, or comments on our online platforms.
- When you communicate directly with us, for example, through customer service inquiries, feedback submissions, or by calling into our radio station.
- Through offline interactions, such as when you complete a physical subscription form for our print magazine or sign up for an event in person. For a multi-platform entity like Street Money, which includes a print magazine and a radio station, acknowledging and detailing offline data collection methods is critical, as many privacy policies tend to focus heavily on online data.
Automatically When You Use Our Services:
- Log Data: When you visit our website or use our online Services, our servers automatically record certain information, which may include your IP address, browser type, operating system, the referring URL (the webpage you came from), pages viewed, and the dates and times of your access.
- Cookies and Similar Technologies: We use cookies (small text files stored on your device), web beacons (also known as pixel tags), embedded scripts, and other similar tracking technologies on our website and in our mobile applications to collect information about your interactions. Further details on our use of these technologies are provided in Section V (Cookies and Other Tracking Technologies). Users are often less aware of data collected automatically through such technologies; therefore, a clear explanation of this collection and its purpose (e.g., for site functionality, analytics, and improving user experience, rather than solely for advertising) is essential for transparency.
- Device Information: We may collect information about the specific device you use to access our Services, including the hardware model, operating system version, unique device identifiers (e.g., UDID, Android ID), and mobile network information.
- Usage Data: We collect information about how you interact with our Services. This may include the specific content you view or listen to (such as radio stations, artists, or channels on our radio platform; or articles read in our online magazine), the features you use, the amount of time you spend on our Services, and other engagement metrics.
From Third-Party Sources:
- Social Media Platforms: If you choose to interact with our official social media pages or use social media login features (if offered by our Services), we may receive certain Personal Information from the social media platform, in accordance with your privacy settings on that platform.
- Publicly Available Sources: We may collect information from publicly available sources, where permitted by law.
- Data Analytics Providers: We may receive aggregated or de-identified data, or in some cases, Personal Information, from third-party data analytics providers that help us understand our audience and improve our Services.
- (Note regarding E Marketing Global: The user query indicates E Marketing Global is involved in sending updates. This section clarifies that data is primarily collected directly or automatically by Street Money. E Marketing Global’s role in handling data for newsletter distribution is addressed in Section IV.)

C. Information We Do Not Intend to Collect

Sensitive Personal Information: Unless explicitly stated for a specific purpose (e.g., a particular survey where sensitive demographic information is requested with clear notice and your explicit consent), we do not intend to collect “Sensitive Personal Information.” Depending on applicable laws, this may include data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, genetic data, biometric data for the purpose of uniquely identifying a natural person, data concerning health, or data concerning a natural person’s sex life or sexual orientation.
Information from Children: Our Services are not directed to children under the age of 13. We do not knowingly collect Personal Information from children under 13. Our practices regarding children’s privacy are detailed further in Section IX (Children’s Privacy).

Summary of Personal Information Collected

To enhance clarity and provide an at-a-glance overview of our data collection practices, the following table summarizes the categories of Personal Information we collect, examples, sources, and primary purposes of collection. This structured presentation aims to make our data practices more accessible and understandable.

Category of Personal Information	Examples of Specific Data Points	Primary Source(s) of Collection	Primary Purpose(s) of Collection
Identifiers	Real name, alias, postal address, IP address, email address, account name, phone number, unique device identifiers.	Directly from you (e.g., registration, subscription); Automatically (e.g., website logs, app usage).	To create and manage your account, provide Services, communicate with you, identify you, ensure security, personalize experience.
Customer Records Information	Name, signature, address, telephone number, payment information (e.g., credit card details for subscriptions).	Directly from you (e.g., subscription forms, payment processing).	To process subscriptions and payments, provide customer service, maintain records, comply with legal obligations.
Commercial Information	Records of subscriptions purchased, event tickets obtained, content consumption patterns.	Directly from you (e.g., purchase history); Automatically (e.g., tracking of content accessed).	To fulfill orders, provide requested Services, understand user preferences, recommend relevant content or offers.
Internet/Electronic Network Activity	Browsing history on our sites, search queries, interaction with our online content/ads, listening data (radio), app usage data.	Automatically (e.g., cookies, server logs, app analytics).	To analyze website/app usage, improve Services, personalize content, measure content/ad effectiveness, maintain service quality.
Geolocation Data	Precise location (with consent via mobile app), general location (from IP address).	Directly from you (app consent); Automatically (IP address).	To provide location-based services (if applicable), personalize content (e.g., local news/radio), comply with content licensing restrictions.
Audio, Electronic, Visual Information	Call recordings (radio call-ins, with notice), user-submitted photos/videos (contests, contributions).	Directly from you.	To operate radio programming, manage contests, publish user-submitted content (with consent/awareness).
Professional/Employment-Related Info	Job title, employer, industry (if provided in surveys, letters, professional forums).	Directly from you.	To understand audience demographics for content tailoring, process professional contributions.
Inferences Drawn	Profiles reflecting preferences, interests, content consumption habits.	Derived from other collected data (e.g., Identifiers, Commercial Info, Internet Activity).	To personalize your experience, recommend relevant content and Services, improve our offerings.
User-Generated Content	Comments on articles, forum posts, letters to the editor, survey responses, contest entries.	Directly from you.	To facilitate user interaction and community features, publish user contributions (with consent/awareness), gather feedback, administer contests.

Export to Sheets

III. How We Use Your Information

We use the Personal Information we collect for a variety of purposes, aimed at providing and enhancing our Services, communicating with you, and fulfilling our legal and business obligations. It is important that the purposes for which we use your data are clearly articulated and align with the information we collect, adhering to principles of data minimization and purpose limitation.

A. To Provide and Manage Our Services

To deliver our print and online magazine content, radio broadcasts, and other features of our Services.
To create, manage, and maintain your subscriptions, accounts, and registrations.
To process transactions, such as subscription payments or purchases made through our Services.
To provide customer support, respond to your inquiries, requests, and feedback.
To enable your participation in interactive features of our Services, such as online comments, community forums, contests, and surveys.
To fulfill your requests for specific services and information.

B. To Communicate With You

To send you important updates about our Services, such as changes to our terms, conditions, and policies, new features, or other service-related announcements.
To send you newsletters, promotional materials, and other marketing communications via email and text message, in accordance with your communication preferences and applicable law. These communications may include updates and content from our partner, E Marketing Global. Your consent for receiving such communications, particularly marketing text messages (which requires prior express written consent under laws like the Telephone Consumer Protection Act – TCPA) and emails (governed by laws like the CAN-SPAM Act), must explicitly cover the receipt of third-party content, even when distributed by Street Money. The “primary purpose” of the message and clear sender identification are key considerations. You can opt-out of these communications at any time, as detailed in Section VI.D.

C. For Personalization

To personalize your experience with our Services. This may include recommending articles, radio stations, shows, or other content that we believe may be of interest to you based on your past interactions, stated preferences, and usage patterns. While personalization can significantly enhance user experience, it relies on the analysis of user behavior. We are committed to transparency regarding this process, and you may have choices to control certain aspects of personalization (e.g., through cookie settings or internal preference settings, if available).

D. For Analytics and Improvement

To analyze trends, usage patterns, and activities in connection with our Services. This helps us understand how our Services are being used, identify areas for improvement, and develop new features and content.
To conduct research and analysis, including user surveys, to better understand our audience and their preferences.

E. For Marketing and Advertising (Beyond Direct Communications)

To measure the effectiveness of advertising displayed on our platforms. This does not involve selling your Personal Information but rather understanding metrics such as ad views and engagement to assess campaign performance.
(Given our commitment not to sell your data, any use of Personal Information for targeted advertising served by Street Money directly or through direct partners, without it constituting a “sale,” will be explained carefully and transparently here. For example, we might use aggregated demographic data or interest segments derived from your interactions with our Services to show you more relevant advertisements on our own platforms, without sharing your identifiable Personal Information with third-party advertisers for their independent use.)

F. For Legal, Safety, and Security Purposes

To comply with applicable laws, regulations, legal processes (such as subpoenas or court orders), or enforceable governmental requests.
To enforce our Terms of Service and other policies, including investigating potential violations.
To protect the rights, property, or safety of Street Money Magazine and Street Money Radio, our users, our staff, or the public as required or permitted by law.
To detect, prevent, or otherwise address fraud, security vulnerabilities, or technical issues.

G. Other Purposes

For any other purpose that is disclosed to you at the time we collect your Personal Information or for which we obtain your explicit consent. We ensure that if data is collected for a specific purpose, it is not used for an unrelated purpose without separate consent or clear disclosure, thereby reinforcing principles of data minimization and purpose limitation.

IV. How We Share Your Information

Street Money Magazine and Street Money Radio are committed to transparency regarding how your Personal Information is shared. This section details the circumstances under which we may share your information.

A. No Sale of Personal Data

We state unequivocally: We do not sell your Personal Information. We do not exchange your Personal Information with third parties for monetary payment or other valuable consideration. While the definition of “sale” can be broad under certain privacy laws (such as the California Consumer Privacy Act/California Privacy Rights Act – CCPA/CPRA, which some states like North Carolina might emulate in future legislation ), our current practices and commitment are not to engage in activities that would constitute a sale of your Personal Information under common interpretations of such laws. Our sharing practices, as described below, are for specific operational purposes and are not for the purpose of third parties gaining access to your data for their independent commercial use in exchange for consideration to us.

B. Service Providers

We may share your Personal Information with third-party vendors, consultants, and other service providers who perform services on our behalf and require access to such information to carry out that work. Examples of these services include:

Website and application hosting and maintenance.
Data analysis and business intelligence.
Payment processing for subscriptions and other transactions.
Customer service and support platforms.
Email and text message delivery and management platforms.
Analytics services to help us understand service usage.

These service providers are contractually obligated to use your Personal Information only as necessary to provide the services to us, to maintain the confidentiality of your information, and to implement appropriate security measures to protect it. This commitment ensures that our vendors handle your data with the same level of care that we do.

C. E Marketing Global

As indicated in your user query, we partner with E Marketing Global for aspects of our communications. Specifically, we may share your email address and potentially your name with E Marketing Global for the primary purpose of them assisting us in the preparation and distribution of our newsletters and updates. These communications, distributed by us, may include content curated or provided by E Marketing Global.

In this capacity, E Marketing Global acts as a service provider (or data processor) on our behalf. They are contractually restricted from using your Personal Information for their own independent marketing purposes or from sharing your Personal Information with other third parties for uses beyond the scope of the services they provide to Street Money, without your explicit consent directed to them. You maintain control over these communications; you can opt-out of receiving our newsletters and updates, which will thereby cease the sharing of your information with E Marketing Global for this purpose, at any time by following the instructions provided in Section VI.D of this policy. If E Marketing Global processes data beyond simply facilitating email distribution on our behalf (e.g., if they independently track engagement with their specific content within our newsletters for their own analytics), we will ensure that our relationship and data sharing practices are transparently disclosed, and where necessary, that appropriate consent mechanisms are in place. It is good practice to provide users with access to the privacy policies of such key data processors.

D. Legal Requirements and Law Enforcement

We may disclose your Personal Information if we are required to do so by law or if we believe in good faith that such action is necessary to:

Comply with a legal obligation, such as a subpoena, court order, or other valid legal process from government authorities or law enforcement.
Protect and defend the rights, property, or safety of Street Money Magazine and Street Money Radio, our users, our employees, or the public.
Prevent, detect, or investigate possible wrongdoing, fraud, or security issues in connection with our Services.
Protect against legal liability.

E. Business Transfers

In the event of a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, sale of company assets, or transition of service to another provider, your Personal Information may be sold or transferred as part of such a transaction, as permitted by law and/or contract. We will endeavor to ensure that the use of your Personal Information following any of these events will be governed by the provisions of the Privacy Policy that was in effect at the time the applicable information was collected. This transparency ensures users understand potential changes in data stewardship if the company’s ownership changes.

F. With Your Explicit Consent

Beyond the sharing practices described above, we may share your Personal Information with other third parties when we have your explicit consent to do so.

G. Aggregated or De-Identified Data

We may share aggregated or de-identified information, which cannot reasonably be used to identify you, with third parties for various purposes. This may include research, statistical analysis, reporting on usage trends, or describing our services to potential partners or advertisers. Such data does not constitute Personal Information.

V. Cookies and Other Tracking Technologies

We and our third-party service providers use cookies and other similar tracking technologies to collect information about your browsing activities and interactions with our Services. This section explains these technologies and your choices regarding them.

A. What are Cookies and Tracking Technologies?

Cookies: These are small text files that are stored on your computer or mobile device when you visit a website. They enable the website to remember your actions and preferences (such as login, language, font size, and other display preferences) over a period, so you don’t have to keep re-entering them whenever you come back to the site or browse from one page to another.
Web Beacons (Pixel Tags): These are tiny graphics with a unique identifier, similar in function to cookies, that are embedded invisibly on web pages or in emails. They are used to track the online movements of web users or to verify when an email has been opened and acted upon.
Embedded Scripts: These are programming codes designed to collect information about your interactions with the Services, such as the links you click on.
Software Development Kits (SDKs): For our mobile applications, we may use SDKs, which are blocks of code provided by third parties (like analytics companies or ad networks) that are embedded into our apps. SDKs can enable these third parties to collect certain information directly from your device.

B. How We Use Cookies and Tracking Technologies

We use these technologies for several purposes:

Essential/Strictly Necessary Cookies: These are crucial for the basic functionality of our Services. They enable you to navigate our websites and use essential features, such as accessing secure areas or managing your account. Without these cookies, some services cannot be provided.
Performance/Analytics Cookies: These cookies collect information about how you interact with our Services, such as which pages you visit most frequently, how much time you spend on those pages, and if you encounter any error messages. This information is used to help us understand usage patterns, improve the performance and design of our Services, and gather demographic information about our user base as a whole. For example, we may use tools like Google Analytics for this purpose.
Functional Cookies: These cookies allow our Services to remember choices you make (such as your username, language preference, or the region you are in) and provide enhanced, more personalized features. For example, they can be used to remember your login details or customization settings.
Marketing/Advertising Cookies (If Applicable): Consistent with our “no sale of personal data” policy, our use of marketing or advertising cookies is carefully managed.
- First-Party Marketing: We may use cookies to help us deliver our own marketing messages or promotional offers on our own Services based on your interactions with our content.
- Advertising Measurement: We may use cookies to measure the effectiveness of advertising campaigns on our own platforms (e.g., how many users saw or clicked on an ad we displayed).
- Third-Party Advertising: We do not use cookies to facilitate the sale of your Personal Information to third parties for their independent targeted advertising. If we allow third-party advertising partners to place cookies on our Services to display advertisements, we will provide transparency about such practices and offer choices where required by law. Users may perceive extensive cookie-based ad targeting as intrusive, so clear language is vital to explain the actual data flows and purposes, distinguishing between first-party personalization and any third-party ad network tracking, if it occurs.

C. Your Choices and How to Manage Cookies

You have several options for managing cookies and other tracking technologies:

Browser Settings: Most web browsers allow you to control cookies through their settings preferences. You can typically set your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you choose to block or delete cookies, some parts of our Services may not function properly.
Cookie Consent Tool: Where required by law or as a best practice, we may implement a cookie consent banner or management tool on our websites and applications. This tool will provide you with more granular control over the types of non-essential cookies that are placed on your device, allowing you to accept or reject different categories of cookies. Modern privacy standards are moving towards requiring such granular consent for non-essential cookies, as a simple “by using this site, you accept cookies” is often insufficient.
Third-Party Opt-Out Tools: For certain analytics and advertising cookies, you may be able to opt-out directly with the third-party provider. For example:
- Google Analytics: You can opt-out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on.
- Interest-Based Advertising: You can learn more about interest-based advertising and opt-out of collection of information by companies participating in the Network Advertising Initiative (NAI) or the Digital Advertising Alliance (DAA) by visiting their respective consumer opt-out pages.
Mobile Device Settings: For mobile applications, tracking is often conducted via SDKs and advertising identifiers (such as Apple’s IDFA or Android’s Advertising ID). You can typically limit ad tracking or reset your advertising identifier through your mobile device’s privacy settings.

Please note that opting out of certain cookies or tracking technologies does not mean you will no longer see advertising; it means the advertising you see may be less relevant to your interests.

D. Do Not Track Signals

Some web browsers may transmit “Do Not Track” (DNT) signals to websites with which the browser communicates. Currently, there is no universally accepted standard for how to respond to DNT signals. Therefore, like many websites and online services, our systems do not currently recognize or respond to DNT browser signals. However, we offer you the choices regarding the collection and use of your Personal Information as described in this Privacy Policy and through any cookie management tools we may provide.

VI. Your Rights and Choices

Street Money Magazine and Street Money Radio respect your rights concerning your Personal Information. This section outlines these rights and how you can exercise them. The availability of certain rights may depend on your jurisdiction. We are committed to making these rights genuinely accessible and actionable, with clear contact points and reasonable response times.

A. Accessing and Correcting Your Information

You have the right to request access to the Personal Information we hold about you. Upon request, we will provide you with a copy of this information in a commonly used format. You also have the right to request the correction of any inaccurate Personal Information we hold about you.

B. Deleting Your Information

You have the right to request the deletion of your Personal Information that we have collected or maintain, subject to certain exceptions. We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

Complete the transaction for which the Personal Information was collected, provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between you and us.
Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity.
Comply with a legal obligation.
Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us.
Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

C. Data Portability

Depending on applicable law (such as the pending North Carolina Consumer Privacy Act, if enacted in its proposed form), you may have the right to obtain a copy of your Personal Information in a portable and, to the extent technically feasible, readily usable format that allows you to transmit the data to another entity without undue hindrance.

D. Opting Out of Marketing Communications

You have the right to opt-out of receiving marketing communications from us at any time.

Email Marketing:
- You can unsubscribe from our marketing emails by clicking the “unsubscribe” link provided in every marketing email we send. This opt-out will apply to all marketing emails from Street Money, including those that may contain updates or content from E Marketing Global distributed through our channels. It is crucial that this opt-out mechanism is clear and covers all promotional content sent by us, regardless of its origin.
- We will process your opt-out request promptly, typically within 10 business days, in accordance with laws such as the CAN-SPAM Act.
Text Message Marketing:
- You can opt-out of our marketing text messages by replying “STOP” to any marketing text message you receive from us. Other keywords like “UNSUBSCRIBE,” “CANCEL,” or “QUIT” may also be recognized.
- We reiterate that your consent to receive marketing text messages is not a condition of any purchase from us.
- Standard message and data rates may apply to text messages, depending on your mobile carrier plan.
- We will process your opt-out request promptly.

Please note that even if you opt-out of receiving marketing communications, we may still send you transactional or service-related communications that are necessary for the provision of our Services (e.g., subscription confirmations, password resets, important service announcements).

E. Right to Opt-Out of Sale or Sharing (Cross-Context Behavioral Advertising)

As stated in Section IV.A, we do not sell your Personal Information. If future laws applicable to our operations (such as a version of the North Carolina Consumer Privacy Act ) define “sharing” of Personal Information for purposes like cross-context behavioral advertising in a way that requires an opt-out, and if our practices were to fall under such a definition, we would update this policy to explain this right and provide a clear mechanism for you to exercise it (e.g., through a “Do Not Sell or Share My Personal Information” link on our website). Currently, based on our commitment not to sell data, this specific opt-out is framed by that commitment. Anticipating such potential future rights allows our policy to be adaptable to the evolving legal landscape.

F. Right to Non-Discrimination

We will not discriminate against you for exercising any of your privacy rights. This means we will not deny you goods or services, charge you different prices or rates, provide you with a different level or quality of goods or services, or suggest that you may receive a different price or rate or a different level or quality of goods or services for exercising your rights.

G. How to Exercise Your Rights

To submit a request to exercise any of your privacy rights described above, please contact us using one of the methods provided in Section XIV (Contact Us). To protect your privacy and security, we will take reasonable steps to verify your identity before processing your request. The verification process may require you to provide certain information to confirm you are the individual about whom we have collected Personal Information. The information required for verification may vary depending on the sensitivity of the Personal Information and the nature of your request. We aim to make this verification process as straightforward as possible, without being overly burdensome, to ensure you can effectively exercise your rights. We will respond to your verifiable consumer request within the timeframes mandated by applicable law (e.g., typically within 45 days, with a possible extension under certain circumstances, as might be required by laws like the pending NC CPA ).

H. Appealing Decisions

If we decline to take action on your request to exercise a privacy right, we will inform you of our reason for declining and provide you with instructions on how you may appeal our decision, if such an appeal process is provided for under applicable law (e.g., as contemplated by the pending NC CPA ).

VII. Data Security

Street Money Magazine and Street Money Radio are committed to protecting the security of your Personal Information. We understand the importance of safeguarding your data from unauthorized access, use, alteration, or disclosure.

A. Our Commitment to Data Security

We implement and maintain a variety of administrative, technical, and physical security measures designed to provide reasonable protection for the Personal Information we collect and process. Our security practices are guided by a risk-based approach, considering the nature of the data and the potential risks involved, aligning with guidance from bodies such as the Federal Trade Commission (FTC) and requirements under laws like the North Carolina Identity Theft Protection Act.

B. Specific Measures

While we cannot disclose all our specific security measures, as this could compromise their effectiveness, our safeguards generally include:

Secure Infrastructure: Utilizing secure servers and network configurations designed to protect against unauthorized access.
Encryption: Employing encryption technologies for sensitive Personal Information where appropriate, particularly for data transmitted online (e.g., payment card information processed for subscriptions) and for certain data at rest.
Access Controls: Implementing strict access controls to limit access to Personal Information to only those authorized employees, contractors, and service providers who have a legitimate business need to access it for their job functions. This includes measures like role-based access and authentication mechanisms.
Regular Reviews and Updates: Periodically reviewing and updating our security policies and practices to address evolving threats and technological advancements.
Employee Training: Providing regular training to our employees and relevant contractors on data security best practices and privacy obligations.
Secure Data Disposal: Implementing procedures for the secure disposal or de-identification of Personal Information when it is no longer needed for its collected purpose or as required by law.
Vendor Security: Taking steps to assess and ensure that our third-party service providers who handle Personal Information on our behalf also maintain appropriate security measures. Our security is intrinsically linked to that of our vendors.

C. User Responsibility

While we take significant steps to protect your Personal Information, you also play a role in keeping your information secure. We encourage you to:

Use strong, unique passwords for your accounts with us and not share them with others.
Be cautious about phishing scams or fraudulent communications asking for your Personal Information.
Ensure your own devices have up-to-date security software.
Log out of your accounts when using shared computers or devices.

D. Disclaimer

Please be aware that despite our best efforts, no method of transmission over the Internet or method of electronic storage is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security. In the event of a data breach that poses a risk to your rights and freedoms, we will take appropriate steps to notify you and relevant authorities as required by applicable law.

VIII. Data Retention

Street Money Magazine and Street Money Radio retain Personal Information only for as long as necessary to fulfill the purposes for which it was collected, or as required or permitted by applicable law. Our data retention practices are a core component of our commitment to data minimization – we do not keep Personal Information longer than needed.

A. How Long We Keep Your Information

We will retain your Personal Information for the period necessary to fulfill the purposes outlined in this Privacy Policy, including:

To provide you with our Services and manage your relationship with us (e.g., maintaining your subscription).
To satisfy any legal, regulatory, tax, accounting, or reporting requirements. For instance, certain financial transaction records may need to be kept for several years.
To resolve disputes, enforce our agreements, or protect our legal rights.
For archival purposes in the public interest, scientific or historical research purposes, or statistical purposes (where appropriate safeguards are in place).

The Federal Trade Commission’s guidance highlights the risks of retaining data longer than necessary, as demonstrated in cases where businesses held onto customer data well after a transaction was complete, creating unreasonable risks.

B. Criteria for Determining Retention Periods

The specific retention period for different types of Personal Information may vary. We determine the appropriate retention period by considering several factors, including:

The nature, sensitivity, and volume of the Personal Information.
The potential risk of harm from unauthorized use or disclosure of the Personal Information.
The purposes for which we process your Personal Information and whether we can achieve those purposes through other means.
Applicable legal, regulatory, tax, accounting, or other requirements that may mandate specific retention periods.

For example, basic subscriber information might be kept as long as you are an active subscriber and for a reasonable period thereafter for record-keeping, while website analytics logs might be retained for a shorter period.

C. Disposal of Information

When your Personal Information is no longer necessary for the purposes for which it was collected, or when a legally mandated retention period expires, we will securely destroy, erase, or anonymize it in accordance with our internal data retention policies and applicable laws. Secure disposal methods may include shredding physical documents or using data wiping techniques for electronic records.

IX. Children’s Privacy

Protecting the privacy of children is especially important. This section outlines our policy regarding the collection of Personal Information from children.

A. Our Services Are Not Intended for Children

Our Services, including Street Money Magazine, Street Money Radio, and streetmoneymagazine.com, are intended for a general audience and are not directed to or intended for use by individuals under the age of 13 (or a higher age if stipulated by applicable local law, though 13 is the threshold under the U.S. Children’s Online Privacy Protection Act – COPPA). We do not knowingly collect Personal Information online from children under the age of 13 without prior verifiable parental consent. This clear statement of non-intent is a crucial first step in COPPA compliance for general audience services, as COPPA imposes significant obligations if a service is directed to children under 13 or has actual knowledge of collecting their data.

B. Inadvertent Collection

Despite our intent, it is possible that we may inadvertently collect Personal Information from a child under 13. If we become aware that we have collected Personal Information from a child under the age of 13 without verifiable parental consent, we will take reasonable steps to delete that information from our records promptly. Even if our Services are not “directed to children,” if we gain “actual knowledge” (for example, if a child contacts us and explicitly states their age), COPPA obligations could be triggered for that specific child’s data. Our process for deleting such inadvertently collected information addresses this “actual knowledge” provision.

It is important to note that if any specific sections of our content could be interpreted as appealing to children, even if the overall service does not target them (a “mixed audience” scenario), this requires careful internal consideration. The FTC provides guidance on mixed-audience sites, which may need to apply COPPA requirements to users who identify as under 13 or to specific child-directed portions of their service. Our current policy assumes our Services are for a general audience not primarily targeting children.

C. How to Contact Us About Children’s Data

If you are a parent or legal guardian and believe that your child under the age of 13 has provided Personal Information to us without your consent, please contact us immediately using the contact information provided in Section XIV (Contact Us). We will work with you to investigate and, if confirmed, take steps to delete such information from our systems.

X. Third-Party Links and Services

Our Services may include links to other websites, applications, or services that are owned and operated by third parties, not by Street Money Magazine or Street Money Radio. This section clarifies our responsibility regarding such third-party services.

A. Links to Other Websites/Services

Our websites, mobile applications, print magazine, and online content may contain links to third-party websites, applications, or services that are not operated or controlled by us. This Privacy Policy applies only to our Services and does not extend to the privacy practices of these third parties. When you click on a link to a third-party service, you will be leaving our controlled environment, and any information you provide to or that is collected by that third party will be governed by their own privacy policy and practices, not ours. This distinction is vital for managing user expectations and limiting our liability for data practices outside our control.

B. E Marketing Global (as a content provider)

As mentioned, our newsletters may include content provided or curated by E Marketing Global. While we facilitate the distribution of this content within our communications, if you choose to click on links within that content that direct you to E Marketing Global’s own website or services, your interaction with those external platforms will be governed by E Marketing Global’s own terms of service and privacy policy. Our Privacy Policy covers the data we collect and process to send you our newsletter (which includes their content), but not your direct interactions with E Marketing Global’s independent platforms.

C. We Encourage Review

We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. We strongly encourage you to review the privacy policies of any third-party service you visit or use before providing any Personal Information to them, so you can understand their data collection, use, and sharing practices.

XI. International Data Transfers

Street Money Magazine and Street Money Radio are based in the United States. This section addresses how we handle Personal Information that may be transferred internationally.

A. Data Storage and Processing Location

Your Personal Information collected through our Services may be stored and processed in the United States or any other country in which Street Money Magazine, Street Money Radio, or our affiliates, subsidiaries, or service providers maintain facilities. The primary legal framework governing our data practices is U.S. federal and North Carolina state law, reflecting our U.S.-based operations.

B. Consent to Transfer

If you are located outside the United States and choose to provide information to us or use our Services, please be aware that we transfer your data, including Personal Information, to the United States for processing and storage. By using our Services and submitting your information, you consent to this transfer, processing, and storage of your information in the United States, where the privacy laws may not be as comprehensive as those in your country of residence. This acknowledgment is a fundamental transparency measure for our international users.

C. Safeguards

If we transfer your Personal Information from your jurisdiction to another country (such as the United States), we will take appropriate steps to ensure that your information receives an adequate level of protection in the jurisdictions in which we process it, in accordance with applicable data protection laws. This may include relying on standard contractual clauses or other legally recognized transfer mechanisms where required.

(This section is drafted assuming primarily U.S.-centric operations. If Street Money has a significant international audience and actively targets users in jurisdictions with specific cross-border data transfer requirements, such as the European Union, more detailed information on transfer mechanisms like Standard Contractual Clauses (SCCs) or adequacy decisions might be necessary.)

XII. Specific Information for Residents of Certain Jurisdictions

Privacy laws and regulations vary by jurisdiction. This section provides additional information relevant to residents of specific locations. The landscape of U.S. privacy law is increasingly state-specific, moving beyond a federal-only baseline, which necessitates awareness of and compliance with the laws of states where our users reside.

A. North Carolina Residents

Identity Theft Protection Act: Street Money Magazine and Street Money Radio comply with North Carolina’s Identity Theft Protection Act (N.C.G.S. § 75-60 et seq.). This Act includes requirements for businesses to implement and maintain reasonable security procedures and practices to protect the Personal Information of North Carolina residents. It also mandates notification to affected North Carolina residents and the North Carolina Attorney General’s Office in the event of a security breach involving their unencrypted Personal Information, as defined by the Act. Key provisions of this Act that we adhere to include:
- Not including an individual’s Social Security Number (SSN) on most written correspondence unless specifically required or permitted by state or federal law.
- Securely shredding, destroying, or otherwise rendering unreadable documents containing Personal Information before disposal. These are existing compliance obligations that form part of our operational practices.
Pending Legislation (North Carolina Personal Data Privacy Act): We are actively monitoring developments in North Carolina privacy law, including proposed legislation such as the North Carolina Personal Data Privacy Act (e.g., House Bill 462 or similar successor bills). Acknowledging such pending legislation demonstrates foresight and a commitment to future compliance. Should such comprehensive privacy legislation be enacted, we will update our data handling practices and this Privacy Policy as necessary to comply with its requirements. Potential requirements under such an Act could include:
- Expanded consumer rights regarding access to, correction of, and deletion of their Personal Data.
- Rights to opt-out of the “sale” of Personal Data or its “sharing” for targeted advertising.
- Specific duties for data controllers (like Street Money) concerning data minimization (collecting only what is adequate, relevant, and reasonably necessary), purpose limitation (not using data for incompatible purposes without consent), data security, obtaining explicit consent for processing “sensitive data,” providing detailed privacy notices, and conducting data protection assessments for high-risk processing activities.
- The definition of “sensitive data” under such pending legislation is broad, potentially including information revealing racial or ethnic origin, religious beliefs, mental or physical health conditions, sexual orientation, genetic or biometric data, Personal Data of a known child, and precise geolocation data. “Consent” is typically defined as a clear, affirmative act, explicitly excluding ambiguous actions or agreements obtained through “dark patterns”.
Unfair or Deceptive Trade Practices: It is important to note that a violation of certain North Carolina privacy laws, including potentially the Identity Theft Protection Act or a future Consumer Privacy Act, may also be considered a violation of North Carolina’s Unfair and Deceptive Trade Practices Act, which can carry significant penalties.

B. California Residents

If you are a California resident, you may have additional rights regarding your Personal Information under laws like the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA). As stated throughout this policy, we do not sell your Personal Information. California residents have the right to:

Know what Personal Information we collect, use, disclose, and (if applicable) sell or share.
Request deletion of their Personal Information, subject to certain exceptions.
Opt-out of the sale or sharing of their Personal Information (as noted, we do not sell Personal Information. If our practices regarding “sharing” for cross-context behavioral advertising were to change in a way that triggers this right, we would provide an opt-out mechanism).
Non-discrimination for exercising their CCPA/CPRA rights.
Correct inaccurate Personal Information that we have about them.
Limit the use and disclosure of sensitive Personal Information (we collect sensitive Personal Information only with explicit consent for specific, disclosed purposes).

For more information on exercising these rights, please refer to Section VI (Your Rights and Choices) and Section XIV (Contact Us). If Street Money Magazine/Radio were to meet the specific thresholds for full CCPA/CPRA applicability (e.g., based on revenue, volume of data processed, or percentage of revenue from selling/sharing data ), this section would be further expanded to detail all specific CCPA/CPRA requirements and disclosures.

XIII. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our data practices, service offerings, or applicable laws.

A. How We Will Notify You

If we make changes to this Privacy Policy, we will notify you by revising the “Last Updated” date at the top of this policy. For material changes—those that significantly alter our data handling practices or your rights—we will endeavor to provide you with more prominent notice before the changes take effect. This may include posting a statement on our website homepage, sending you an email notification, or using a pop-up or website banner. Simply updating the date may not be sufficient for material changes; proactive notification is a best practice to ensure users are genuinely informed before new practices affect them. Internally, Street Money will maintain guidelines on what constitutes a “material change” to ensure consistent application of this notification commitment.

B. Review Encouraged

We encourage you to review this Privacy Policy periodically to stay informed about our information practices and the choices available to you concerning your Personal Information. Your continued use of our Services after any changes to this Privacy Policy become effective will constitute your acceptance of such changes.

XIV. Contact Us

If you have any questions, comments, or concerns about this Privacy Policy or our privacy practices, or if you wish to exercise any of your privacy rights as described in this policy, please do not hesitate to contact us. Making our contact information easily accessible is crucial for you to exercise your rights and voice concerns effectively.

You can reach us through the following methods:

Email Address: iHustle@streetmoneyradio.com