Privacy Policy for Divergent Money

Effective Date: 2024.01.01

Welcome to Divergent Money—a platform built with clarity, trust, and accessibility in mind. This Privacy Policy explains how we collect, use, store, and protect your data, whether you’re just browsing, subscribing to content, or using our tools and services.

We know the neurodivergent experience can come with heightened privacy sensitivities. We’re committed to transparency, consent, and giving you control.

1. Who We Are

DivergentMoney.com is operated by Divergent Money LLC, a U.S.-based company offering personal finance content, tools, and community resources designed for neurodivergent individuals and their allies.

You can contact us at:

📫 Email: privacy@divergentmoney.com

2. What Data We Collect

We collect data in two categories:

a. Data You Provide Directly

Name and email address (e.g., when you subscribe or contact us)
Payment details (processed securely via Stripe or other 3rd-party processors)
Survey or feedback submissions
Uploaded receipts, budgets, or tool inputs (in future app versions)

b. Data Collected Automatically

IP address, browser type, device info
Cookies and similar tracking technologies
Usage data: page views, time on site, clicks, etc.

We do not collect sensitive personal information such as race, religion, health data, or precise geolocation unless explicitly required and consented to (e.g., user research panels).

3. How We Use Your Data

We use your information for:

Providing and improving our services
Sending newsletters and content updates
Responding to support or contact requests
Analytics and performance optimization
Security and fraud prevention
(With consent) Developing personalized financial recommendations

We do not sell your personal information. Ever.

4. Legal Bases for Processing (for EU/UK Visitors)

If you are in the European Economic Area (EEA) or UK, our legal bases under GDPR include:

Consent (e.g., email subscriptions)
Contractual necessity (e.g., providing requested services)
Legitimate interests (e.g., site analytics and security)
Legal obligations (if required by law)

5. Cookies & Tracking Technologies

We use cookies and similar technologies to:

Keep you logged in
Save preferences
Track analytics (via Google Analytics, Plausible, or similar)
Measure performance of content

You can manage cookie preferences in your browser or via our cookie banner.

We only share data with trusted third-party processors, including:

Email tools (e.g., ConvertKit, Mailchimp)
Payment processors (e.g., Stripe)
Analytics tools (e.g., Google Analytics, Plausible)
Hosting and database providers (e.g., Vercel, Supabase, Ghost.org)

These vendors are contractually bound to comply with data protection standards. We never sell your data or share it with advertisers.

7. International Transfers

Your data may be stored or processed outside your country, including in the U.S. We take steps to ensure appropriate safeguards are in place, such as Standard Contractual Clauses (SCCs) for EEA data transfers.

8. Your Rights

Depending on where you live, you may have the right to:

Access or download your data
Request deletion or correction
Withdraw consent
Opt out of marketing emails
Object to certain types of processing

To exercise any of these rights, contact us at privacy@divergentmoney.com.

9. Data Retention

We retain your personal information only as long as necessary for the purposes described above, unless a longer retention period is required by law.

10. Children’s Privacy

Divergent Money is not intended for children under 13. We do not knowingly collect information from children without parental consent. If you believe a child has provided us data, please contact us for immediate deletion.

11. Security

We use industry-standard security measures including:

SSL/TLS encryption
Regular security audits
Limited internal access to personal data
Secure third-party payment processing

Despite this, no system is 100% secure. Please use strong passwords and contact us if you suspect misuse.

12. Changes to This Policy

We may update this policy from time to time. We’ll notify users via email and site notifications when significant changes are made. Your continued use of the site means you agree to the revised terms.

13. Contact Us

Have questions, concerns, or a data request?

📧 Email us at: privacy@divergentmoney.com
🧠 We're neurodivergent-inclusive—if you need accommodations to understand or exercise your rights, just ask.