Privacy Policy | The Health Money

1. Who operates this site

Aptitude Media Inc. operates The Health Money at thehealthmoney.com and www.thehealthmoney.com (the “Site”). This policy describes information handled through this Site, its built-in advertising and privacy controls, and communications you send to us. Contact privacy@aptitude-media.com about privacy or to exercise an applicable right.

Jump to state privacy rights, requests and appeals, or your privacy choices. Using the Site or reading this policy does not itself subscribe you to a newsletter or constitute a separate marketing consent.

2. Information and its sources

Communications you send. If you email us, we receive your email address, any name you provide, the message, attachments you choose to send and ordinary email delivery information. A privacy request can also include the website, state of residence, type of request and information needed to locate a relevant record or verify an applicable request. Do not include passwords, government identifiers, financial account details, identity documents or health information in an initial inquiry.
Website requests. Delivering a page or resource involves network and request information, such as an IP address, request time, requested URL, browser or device information and a referrer when supplied by the browser. Hosting, delivery and security services can process this information to deliver the Site, operate their services and troubleshoot or protect it. Network identifiers and activity can be personal information even when a report aggregates visits.
Advertising interactions. Built-in AptiConnect advertising can request ad or widget content, load creative resources and record impressions. Interactive widgets can send selections or information you enter, step and completion events, publisher information and a session identifier to their tracking service to operate the widget and present an offer. The fields depend on the widget presented. Followed offer links can carry publisher and session information. These requests also expose ordinary network information to the receiving services.
Privacy preferences. A browser opt-out or Global Privacy Control signal is processed by our privacy controls. Our preference cookie records an opt-out value; it does not ask for your name, email address or health information.

The built-in financial calculators perform their calculations in your browser. Their components do not send the entered calculator values to a Site submission endpoint. The article-search feature downloads article metadata and filters it in your browser; its search request does not include the words you type. Loading these features still involves ordinary website requests described above.

3. How information is used

Information is used for the activity that gives rise to it, including:

Delivering pages, images, fonts, search results, calculators and other Site features.
Responding to inquiries, corrections, privacy requests and appeals.
Operating advertising placements, interactive offers and related impression, interaction or referral reporting.
Remembering and applying the Site's built-in advertising opt-out preference.
Maintaining, troubleshooting and protecting the Site, addressing misuse and complying with applicable legal obligations.

The newsletter button takes you to The Health Money's external Beehiiv publication. You decide whether to subscribe there. If you subscribe, the information you submit is handled through that service for the newsletter. Visiting this Site or clicking through does not by itself submit a newsletter subscription.

4. Recipients and external services

Depending on the feature you use, information is available to these recipient categories:

Hosting, delivery, security and email providers that support Site requests, communications and operations.
AptiConnect and advertising or offer destinations involved in the built-in placements, widget events, creative resources and followed offers described above.
Beehiiv when you visit the linked publication or choose to subscribe through it.
Resource providers, including Google Fonts for fonts and image infrastructure for requested images. Loading a remote resource involves a request to its recipient.
Affiliate partners and linked websites when you follow their links. Referral information can be used to attribute a visit, signup or purchase and a resulting commission.
Authorities or other recipients where disclosure is required by applicable law or necessary to address a legal claim or protect rights and security.

Some links can earn us a commission at no additional cost to you. A commission does not establish that every data transfer is, or is not, a sale or sharing under a privacy law. Advertising and referral disclosures can fall within those definitions depending on the data, recipient's use and applicable law. Use Do Not Sell or Share My Personal Information for the browser control and broader email request route.

External services have their own notices and choices. This Site's browser preference does not change choices on a website you visit after following a link. Review the destination's disclosures before submitting information there. Questions about a disclosure through this Site can be sent to our privacy address.

Outside the Site integrations described here, we do not sell, rent or provide visitor contact or subscriber lists to agencies or advertisers, or create or share audiences based on health-related information.

5. Cookies, resources and browser signals

Our healthmoney_ad_opt_out cookie remembers the built-in advertising opt-out for up to 400 days. It is restricted to the hostname where it is set and uses Secure, HttpOnly and SameSite Lax settings. Browser limits, clearing site data or using another browser, device or hostname can remove or bypass that saved preference.

An enabled Global Privacy Control signal disables the built-in AptiConnect placements on this Site. The Site also attempts to save that opt-out preference; the signal can disable the current placements even if a cookie cannot be saved. Removing the signal does not erase an existing saved opt-out. Other open tabs should be refreshed after a choice changes to remove advertising already loaded there. This control does not reverse information already sent or automatically identify other records associated with you.

Advertising or external destinations can use their own cookies or similar technologies when their resources are requested or you visit them. Browser cookie restrictions can affect Site or third-party functionality. A browser's Do Not Track setting does not activate this Site's built-in opt-out; use Global Privacy Control or the Site's opt-out control to disable its built-in advertising.

6. Your choices

Use Do Not Sell or Share My Personal Information to stop the built-in AptiConnect placements in this browser on this Site. For a sale, sharing, targeted-advertising or other request involving information beyond that browser control, email privacy@aptitude-media.com. Opening a page or an email link does not itself send an email request. You do not need a Site account to email us, and California sale/sharing opt-outs are not subject to identity verification.

Newsletter subscription is a separate choice at Beehiiv. Use the unsubscribe mechanism in a newsletter to stop those emails, or describe a newsletter request to our privacy address. A Site advertising opt-out does not unsubscribe you from a newsletter. You can also control cookies through your browser and use the privacy choices offered by an external service.

7. Retention

We retain personal information for as long as necessary for the purposes described in this policy, including addressing an inquiry or request, operating and protecting the Site, maintaining required records and meeting applicable legal obligations. The relevant purpose, the nature of the information, unresolved issues and legal recordkeeping or claim requirements determine the period; there is no single period for every record. The Site's advertising-preference cookie has the separate limit described above.

You can request deletion through our privacy address, subject to applicable rights and exceptions. An opt-out does not itself delete earlier communications or records held by recipients, and this Site's cookie lifetime is not a retention period for their data.

8. State privacy rights

This section applies to The Health Money, operated by Aptitude Media Inc. You can contact us about privacy at privacy@aptitude-media.com.

This section describes rights that may apply under California, Nevada, Washington, Virginia, and Maryland law. Your rights depend on your residence, the information and processing involved, whether the relevant law applies to our business, and legal exceptions.

California

Where the California Consumer Privacy Act applies, California residents may request to know and access personal information, including information about its collection, use, disclosure, sale, and sharing; request deletion; correct inaccurate information; opt out of sale or sharing for cross-context behavioral advertising; and limit certain uses or disclosures of sensitive personal information. The law also protects against discrimination for exercising applicable rights.

You can email the privacy address above to submit an applicable request, including a sale/sharing opt-out or sensitive-information limitation request. California sale/sharing opt-out requests are not subject to identity verification. Other requests may require verification as permitted by law.

Virginia

Where Virginia's Consumer Data Protection Act applies, eligible consumers may confirm whether their personal data is processed, access it, correct inaccuracies, request deletion, and obtain a portable copy of personal data they previously provided when processing is automated. They may opt out of targeted advertising, sales of personal data, and profiling used for decisions with legal or similarly significant effects. They may also appeal a refusal to act on a request.

Maryland

Where Maryland's Online Data Privacy Act applies, eligible consumers may confirm processing, access their personal data, correct inaccuracies, request deletion, and obtain a portable copy when processing is automated. They may obtain categories of third parties to which personal data has been disclosed and opt out of targeted advertising, sales, and profiling for solely automated decisions with legal or similarly significant effects. They may also appeal a refusal and revoke consent where processing relies on consent covered by that law.

Nevada online privacy

Where Nevada's online privacy law applies, consumers may submit a verified request directing an operator not to sell covered information it has collected or will collect about them. Send a Nevada sale opt-out request to the privacy email above. Nevada's definitions and exceptions differ from those in other states.

Washington and Nevada consumer health privacy

Where Washington's consumer health privacy law applies, consumers may confirm and access covered health data, obtain recipient information, withdraw consent, request deletion, and appeal a refusal. Where Nevada's consumer health privacy law applies, consumers may request confirmation of collection, sharing or sale, a recipient list, cessation of collection/sharing/sale, deletion, and appeal. Send questions or requests to the same privacy email without medical records, diagnoses, treatment details, or other health information.

Requests, representatives, and appeals

Email privacy@aptitude-media.com and identify the website, your state of residence, and the type of request. A website account is not required to send an email request. Where law permits a representative or authorized agent to act for you, they may use this address and identify their representative capacity. Verification of identity or authority may be needed where permitted by law.

To appeal a decision, email the same address, identify the earlier request, and briefly explain what you want reviewed. Suggested subjects are “Privacy request” or “Privacy appeal”; these exact words are not required.

Do not send passwords, government identifiers, financial account details, identity documents, or health details with your initial request.

9. Security

No website, email system or Internet transmission can be guaranteed completely secure. Please limit an initial inquiry to the information needed to explain it. If a request requires additional verification or a response containing personal information, contact us about an appropriate method rather than sending sensitive documents unsolicited.

10. Children and sensitive information

The Site publishes general personal-finance information. Do not send children's personal information, medical details or financial account credentials in general inquiries or privacy requests. If you believe a child has provided personal information through the Site, a parent or guardian may contact our privacy address so the matter can be addressed under applicable law. Reading a health-related article or this policy is not consent to a separate collection or sharing of consumer health data.

11. Changes to this policy

We may update this policy as the Site or its information practices change. The date at the top identifies the latest update. Review the current policy before providing information through a new feature. Where applicable law requires a separate notice or consent for a change, this policy alone does not replace it.

12. Contact

Aptitude Media Inc. — The Health Money
Email: privacy@aptitude-media.com

Identify The Health Money and the kind of question or request. For an appeal, identify the earlier request and explain what you want reviewed. The request instructions above also cover representatives and information to avoid sending initially.