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Legal

Privacy Policy

What we collect, why, and the choices you have — in plain language.

Who we are

Suggested text: Our website address is: http://hardtimeshelper.com.

Comments

Suggested text: When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Media

Suggested text: If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Cookies

Suggested text: If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select "Remember Me", your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

Suggested text: Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Who we share your data with

Suggested text: If you request a password reset, your IP address will be included in the reset email.

How long we retain your data

Suggested text: If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

Suggested text: If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Where your data is sent

Suggested text: Visitor comments may be checked through an automated spam detection service.

Our privacy practices

What information do you collect?

Information you give us: such as your name and email when you sign up for the Free Money Rescue Kit or contact us.

Information collected automatically: like most websites, we and our service providers may collect basic technical information such as browser type, device, pages visited and general location, often through cookies and similar technologies.

What about the calculators and checklists?

Our calculators and checklists run in your browser. Checklist progress is saved in your browser’s local storage on your device and is not sent to us. The AI helper sends the questions you type to an AI service to generate answers — please don’t include sensitive personal information.

How do you use my information?

To send you the kit and emails you requested, respond to messages, understand how the site is used, improve our content, and keep the site secure.

Do you sell my personal information?

We do not sell your email address or contact details. We may use service providers (such as email, hosting and analytics providers) that process data on our behalf.

Cookies and affiliate links

Affiliate partners and advertisers may use cookies to track referrals. You can control cookies through your browser settings.

Your choices

You can unsubscribe from emails at any time using the link in every message. You can clear local storage and cookies in your browser. Depending on where you live, you may have rights to access, correct or delete your personal information — contact us to make a request.

Children’s privacy

This site is intended for adults and is not directed to children under 13. We do not knowingly collect personal information from children.

Links to other sites

We link to many government, nonprofit and business websites. Their privacy practices are their own, so please review their policies.

Changes to this policy

We may update this policy from time to time. We’ll post the updated version on this page.

Questions about this policy? Please reach out through our contact page.