Last updated: September 18, 2026
Penny Brief ("Penny Brief", "we", "us" or "our") operates the newsletter and website at www.pennybrief.com. This Privacy Policy explains what information we collect, why we collect it, and what choices you have.
We keep this short and specific on purpose. If anything here is unclear, contact us at [CONTACT EMAIL].
Penny Brief is an independent consumer finance newsletter published for a general audience, primarily readers in the United States. It is operated by an individual publisher, not a registered investment adviser, broker-dealer, law firm or tax advisory firm.
Our newsletter and website are hosted and delivered by beehiiv, Inc., a third party publishing platform. beehiiv processes subscriber and website data on our behalf. You can review beehiiv's own privacy practices at beehiiv.com.
Information you give us directly. When you subscribe, we collect your email address. If you choose to provide it, we may also collect a name, and any information you include when you reply to an email or submit a form.
Information collected automatically. When you visit the website or open our emails, our platform automatically records technical and usage information, which may include your IP address, approximate location derived from that IP address, browser and device type, operating system, referring page, pages viewed, time spent, and the date and time of access.
Email engagement data. Our emails contain standard tracking that records whether an email was opened and which links were clicked. This is how we understand which articles are useful. If you prefer not to be tracked this way, most email clients allow you to block remote images, which disables open tracking.
What we do not collect. We do not ask for and do not want your Social Security number, bank account details, brokerage account information, credit card numbers, or copies of identity documents. Penny Brief will never request these. If you receive a message claiming to be from us asking for them, it is not from us.
We use the information described above to:
deliver the newsletter you subscribed to
operate, maintain and improve the website
understand which topics readers find useful, in aggregate
respond to messages you send us
detect and prevent abuse, fraud and technical problems
comply with legal obligations
We do not use your information to make automated decisions that produce legal or similarly significant effects about you.
We do not sell your personal information, and we do not share it for cross-context behavioral advertising as those terms are defined under California law. We do not rent or trade subscriber lists.
We share information only in these limited circumstances:
Service providers. beehiiv, as our publishing and email platform, processes data on our behalf under its own terms. Other technical providers may process data strictly to keep the service running.
Legal requirements. If required by law, subpoena, court order or other valid legal process, or where necessary to protect our rights or the safety of others.
Business transfer. If the publication is sold or transferred, subscriber information may transfer as part of that transaction. We would notify subscribers before their information became subject to a materially different policy.
Some articles contain affiliate links. When you click one, the destination company may set its own cookies and collect its own data about your visit, under its own privacy policy rather than ours. We do not receive your personal information from those companies; we may receive aggregate reporting about clicks and conversions.
Our articles also link extensively to government sources such as ssa.gov, irs.gov and medicare.gov. Those sites have their own privacy policies. We are not responsible for the content or privacy practices of any third party site.
See our Affiliate Disclosure page for full details on these relationships.
Our platform uses cookies and similar technologies to keep you logged in where applicable, remember preferences, and measure site usage. Most browsers let you refuse or delete cookies through their settings. Blocking cookies may affect how parts of the site function.
We do not run third party advertising networks or behavioral ad trackers on this website.
We retain subscriber information for as long as you remain subscribed, and for a reasonable period afterward to honor unsubscribe requests and to meet legal and record keeping obligations. Aggregated or de-identified analytics data, which cannot reasonably be used to identify you, may be retained indefinitely.
If you unsubscribe, we retain a minimal record of your email address solely so that we do not email you again.
Everyone. You can unsubscribe at any time using the link at the bottom of any email. This takes effect immediately and requires no explanation.
California residents. Under the California Consumer Privacy Act as amended, you have the right to know what personal information we collect and how it is used, to request deletion, to request correction, and to not be discriminated against for exercising these rights. As stated above, we do not sell or share personal information for cross-context behavioral advertising.
Residents of the EEA and the United Kingdom. Where the GDPR or UK GDPR applies, you have rights of access, rectification, erasure, restriction, objection and data portability. Our legal bases for processing are your consent, which you give when you subscribe and may withdraw at any time, and our legitimate interest in operating and improving the publication.
Other jurisdictions. Several other states and countries grant similar rights. We apply the same process to all requests regardless of where you live.
To exercise any right, email us at [CONTACT EMAIL] with the email address you subscribed with. We will respond within the timeframe required by applicable law. We may need to verify that the request comes from you before acting on it.
Penny Brief is operated with service providers located in the United States. If you access the newsletter or website from outside the United States, your information will be transferred to and processed in the United States, where data protection laws may differ from those in your country.
Penny Brief is written for adults and is generally intended for readers approaching or in retirement. It is not directed to children. We do not knowingly collect personal information from anyone under 16. If you believe a child has provided us information, contact us at [CONTACT EMAIL] and we will delete it.
We rely on our publishing platform's technical and organizational security measures to protect subscriber information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security. Because we do not collect financial or identity documents, the information at risk is limited to your email address and engagement data.
We may update this Privacy Policy from time to time. When we do, we will revise the date at the top of this page. If we make a material change to how we handle personal information, we will notify subscribers by email before it takes effect.
Questions, requests or complaints about this policy can be sent to [CONTACT EMAIL].