Introduction and Overview
At the RawCents Editorial Team (“RawCents,” “we,” “our,” “us”), our mission is to provide you with absolute clarity for all of your life’s financial decisions. We do so by empowering you with independent financial information, multi-layered data auditing, and structural guidance you can trust, and by providing you with clean, plain-text analysis to help you make the best decisions for your financial needs.
When you use our websites and applications and submit your technical or contextual data, we have an obligation to provide you with absolute clarity regarding how that information is handled, accessed, and managed by RawCents, its server infrastructure, and its technical third-party vendors.
To that end, this Privacy Policy describes the information we collect about you, how we collect it, how we use your information, whom we disclose your information to, and the strict operational steps we take to protect your information.
What This Privacy Policy Covers
This Privacy Policy describes our privacy practices related to your access and use of the RawCents platform.
RawCents Services: When we say “RawCents Services” or “Services,” this means the independent financial research, comparative guides, primary database deconstructions, and plain-language informational assets made available directly by the RawCents Editorial Team through our public websites and core reading interfaces.
Independent Operational Boundaries: RawCents is an independent, non-collegiate consumer research desk. We are not a corporate financial broker, lender, or investment advisory firm. Unlike multi-tiered institutional platforms, we do not host interactive co-branded account dashboards, financial account linking tools (such as Plaid), or credit-report pulling tools. Our platform provides high-contrast, free-access educational reporting.
We encourage you to read the entire Privacy Policy. By accessing the RawCents Services, you acknowledge that you have read and agree to this Privacy Policy. Your use of our platform is subject to the RawCents Terms of Service and our Affiliate Disclosure.
Information We Collect
When we say “Personal Information,” we use this as a general term to mean information relating to an individual from which that person can be reasonably identified.
Information We Collect Directly From You
We collect minimal Personal Information directly from you when you interact with the RawCents Services — primarily when you choose to connect with our editorial desk or provide direct technical feedback.
Here are the specific types of information we may receive:
Contact and Correspondence Information: Information you provide when you send an email inquiry to our desk, including your email address, your name or pseudonymous handle (if provided), and the technical timeline of your transmission.
User-Generated Content and Case Data: When you communicate with our desk regarding a banking dispute, an unannounced card policy change, or systemic financial friction, we collect the text, narratives, screenshots, or fine-print document uploads included within your message to facilitate our independent investigations.
Information Automatically Collected
When you navigate our guides, read our reports, or interact with our platform, our hosting servers and edge networks automatically receive and record certain technical metadata from your web browser or device.
Here are the types of data that we automatically collect:
Usage Information (Clickstream Data): We collect aggregate technical information about your navigation behavior, including the pages you view, your electronic path through our text layout, the links you select, and the specific dates, times, and durations of your research sessions.
Device and Network Metadata: Information regarding the hardware configurations you use to read RawCents, including your anonymized Internet Protocol (IP) address, web browser architecture, device type, and basic operating system settings.
Cookies and Other Technologies
When you use or visit the RawCents Services, we or our integrated programmatic networks may send one or more cookies or similar tracking technologies to your local browser.
Cookies
Cookies are text files containing small amounts of data that are downloaded to your device as you browse the web. We classify cookies on our site into two operational models:
Single-Session (Temporary) Cookies: These temporary files last only as long as your web browser remains open and are used for fundamental technical performance, such as facilitating smoother page navigation. Once you close your browser, the cookie instantly disappears.
Multi-Session (Persistent) Cookies: These persistent assets are stored on your device for longer periods and are utilized by our server networks to recognize repeat traffic patterns, track macro performance metrics, and remember structural display configurations.
Core Cookie Classifications
Non-Targeting Cookies: These files are primarily utilized for operational framework stability, platform page-speed caching, and infrastructure analytics. Combined, they assist our desk in delivering text smoothly to your screen.
Targeting Cookies: These cookies may be set through our platform by programmatic advertising networks (such as Google AdSense). They are used by external advertising companies to build an anonymous profile of your consumer interests and show you contextually relevant adverts on other digital sites based on uniquely identifying your browser type. If you do not allow these cookies, your programmatic ad displays will be less targeted.
How to Control or Delete Cookies
Most desktop and mobile browsers allow you to modify your cookie compliance settings via their “Options” or “Preferences” configuration tabs. To adjust these parameters, consult the “Help” function of your browser or review the online documentation published for your specific browser version.
Third-Party Web Beacons and Ad Analytics
We implement programmatic contextual advertising through premium ad exchanges to fund our free platform. These monetization partners may deploy clear GIFs, web beacons, or tracking scripts that allow the external ad engine to read and write cookies within your browser window to optimize ad delivery.
We engage external analytics tools (such as Google Analytics) to monitor how cleanly our pages load across different regions. These third parties are authorized to automatically collect non-identifiable Clickstream Data using cookies and mobile advertising IDs.
Our monetization partners are bound by their respective privacy disclosures. Many participate in the Network Advertising Initiative (NAI) or the Digital Advertising Alliance (DAA) industry opt-outs. You can access their consumer opt-out tools at:
http://optout.aboutads.info/#!/
http://optout.networkadvertising.org/#!/
You may explicitly opt out of Google Analytics cookies by visiting: https://tools.google.com/dlpage/gaoptout
How We Use Your Information
Your information is used strictly to support our clinical research operations and secure our infrastructure. We use your Personal Information to:
Deliver Requested Services: Process and display our free analytical guides, fee schedules, and comparative financial data tables.
Execute Technical Support and Correspondence: Respond directly to your incoming documentation updates, error reports, and general editorial inquiries sent to rawcents@gmail.com.
Operate and Optimize Performance: Monitor global server performance, optimize page-rendering speeds for mobile networks, and construct a faster reading layout.
Protect System Integrity and Security: Detect, prevent, and mitigate malicious digital activities, including automated spam, DDoS infrastructure attacks, and programmatic vulnerability testing.
Maintain Financial Firewalls: Ensure that display advertisements run cleanly via contextual parameters without transferring your personal correspondence records or investigative tips to any financial institution or advertising network.
Comply with Legal and Regulatory Demands: Fulfill necessary legal duties, cooperate with state or federal consumer protection investigations, and enforce our core Terms of Service.
Defensive Engineering Processing
We may utilize standard, non-generative server-side automated tools, script firewalls, and machine-learning threat models strictly for data security filtering. This includes:
Automated parsing of infrastructure analytics to isolate security threats.
Automated text classification models on incoming mail servers to filter out malicious payloads, phishing scripts, and high-volume commercial email spam.
RawCents never processes consumer data through automated decision-making engines to approve, deny, evaluate, or otherwise determine eligibility for any commercial loan, credit card, or insurance application.
How We Disclose Your Information
RawCents does not operate as an institutional marketplace, lead generator, or credit aggregator. We never sell, rent, lease, or trade your correspondence data, email addresses, or personal research notes to corporate marketing companies or financial lenders.
We disclose information only under the following limited parameters:
With Core Technical Service Providers: We may disclose technical system metadata (such as IP logs or browser types) to trusted cloud infrastructure providers, server hosts, and web security networks. These vendors process technical data strictly to deliver our files securely and are contractually bound to maintain rigorous confidentiality and security safeguards.
For Legal Reasons and Consumer Protection: We may disclose technical or correspondence data if explicitly mandated to do so by applicable state or federal law, court orders, judicial subpoenas, warrants, or in a good-faith belief that exposure is required to cooperate with authorized law enforcement agencies.
For Corporate Reorganization: In the event that RawCents undergoes a structural transaction—such as a merger, asset sale, acquisition, or platform restructuring—our compiled operational text assets and backend technical server logs may be audited or transferred to the successor entity as a core digital asset.
With Your Absolute Consent: If you explicitly instruct our editorial desk to forward a specific billing complaint or customer service dispute narrative to a federal regulatory portal (such as the CFPB) or a specific financial provider on your behalf, we will carry out the disclosure strictly according to your written directives.
Your Privacy Rights
Depending on your geographical location and state of residence within the United States, you may hold distinct statutory rights regarding your personal data footprint. These structural protections may include:
The right to confirm whether we process your data and demand access to those logs.
The right to demand rapid correction of inaccurate or outdated technical details.
The right to mandate complete, permanent erasure of your data footprint from our electronic archives and email systems.
The right to opt-out of specific programmatic advertising or data tracking metrics.
To invoke any of these legal rights, please contact our collective desk at rawcents [@] gmail [dot] com. We will process and confirm your request in full accordance with applicable privacy laws.
Data Security and External Link Disclaimers
Data Security
We deploy comprehensive administrative, physical, and technical network protocols to safeguard our mail exchanges and hosting databases against unauthorized exposure, change, or loss. However, no data node or transmission path across the global web can be classified as permanently unbreachable. While we secure our platform aggressively, we cannot provide an absolute, airtight guarantee of digital security.
External Links
Our financial investigations contain outbound links to external domains, including government databases (.gov), regulatory portals, and third-party banking sites. RawCents exercises zero control over the distinct data architectures, data collection metrics, or privacy choices found on external web entities. We strongly advise reading the specific privacy documentation of any external domain you cross over to.
Contact Us
If you require operational clarity, technical explanations, or want to submit a formal request regarding this Privacy Policy, reach out to our team:
RawCents Editorial Team
Email: rawcents [@] gmail [dot] com
Regulatory Disclaimer: The text and research models compiled by RawCents are structured entirely for general educational, research, and informational objectives. None of the content on this platform constitutes certified financial, legal, tax, or professional investment planning advice. Always verify all primary bank disclosures directly with an official cardmember or account agreement before completing a financial application.