Privacy Policy for Time N Money.

Effective Date: May 17, 2025

Welcome to Time N Money! I'm Kyle Kudrna, and I'm committed to fostering a space of trust, exploration, and connection as we delve into Consciousness. Your privacy is a vital part of that trust, and this policy outlines how your personal information is collected, used, and protected when you visit my Substack website and subscribe to my newsletter.

This policy applies to the information collected through Time-N-Money | Kyle Kudrna | Substack

1. What Information We Collect (and Why We Collect It)

My aim is to collect only the information necessary to deliver my newsletter, foster our community, and understand how I can better serve you.

• Information You Provide Directly:

  • Email Address: When you subscribe to [Your Newsletter Name], you provide your email address. This is the primary piece of information I collect, and it's used solely to send you new posts, updates, and any other communications directly related to the newsletter.

  • Name (Optional): Substack may allow you to add your name. If you provide it, it might be used to personalize communications.

  • Comments and Interactions: If you choose to leave comments on posts, that information (your comment, name/profile as displayed on Substack) will be publicly visible. This is to foster community discussion.

  • Direct Communications: If you email me directly, I will have your email address and any information you provide in that communication, used to respond to your inquiries.

• Information Collected Automatically (by Substack):

  • Our newsletter and website are hosted by Substack. Substack, as the platform provider, automatically collects certain information when you visit the site or interact with emails. This may include:

    • Usage Data: Information about how you interact with the website (e.g., pages visited, time spent on pages, links clicked).

    • Analytics: Aggregated data on newsletter opens, click-through rates on links, and subscriber growth.

    • Technical Data: IP address, browser type, operating system, and other technical details.

  • I, [Your Name], have access to some of this aggregated and anonymized data through Substack's dashboard, which helps me understand what content resonates with you and how to improve the newsletter. I do not directly control Substack's automatic data collection. For more details on their practices, please refer to Substack's Privacy Policy.

2. How We Use Your Information

Your information is used with respect and for specific purposes:

• To Deliver the Newsletter: To send you the content you subscribed to.

• To Foster Community: To enable and manage comments and discussions.

• To Communicate With You: To respond to your direct inquiries or feedback.

• To Improve the Newsletter: To understand reader engagement through aggregated analytics provided by Substack, helping me refine content and focus.

• To Comply with Legal Obligations: If required by law.

3. Sharing Your Information

Your trust is paramount. I do not, and will not, sell, rent, or trade your personal email address or name with any third-party marketers.

• Substack: As mentioned, Substack hosts this newsletter and website. They have access to your information as per their platform functionalities and their own privacy policy. This includes processing your subscription and delivering emails.

• Payment Processors (If Applicable): If [Your Newsletter Name] offers paid subscriptions, Substack integrates with payment processors like Stripe. Your payment information is provided directly to them and is subject to their privacy policies. I do not store your full payment card details.

• Legal Requirements: I may disclose your information if required to do so by law or in the good faith belief that such action is necessary to comply with a legal obligation, protect and defend my rights or property, or protect the personal safety of users or the public.

4. Cookies and Tracking Technologies

Substack uses cookies and similar tracking technologies to operate and improve their platform, analyze usage, and personalize content. You can typically manage cookie preferences through your browser settings. For detailed information on Substack's use of cookies, please consult Substack's Cookie Policy (often part of their main Privacy Policy).

5. Data Retention

• I will retain your email address for as long as you remain a subscriber to [Your Newsletter Name] or until I cease publishing the newsletter.

• Comments you make on posts will remain as long as the post is active, or until you delete them (if Substack provides that functionality).

• For data retained by Substack, please refer to their policies.

6. Your Rights and Choices

You have control over your personal information:

• Unsubscribe: You can unsubscribe from the newsletter at any time by clicking the "unsubscribe" link at the bottom of any email you receive from me.

• Access, Correction, Deletion: You can access, update, or request deletion of your personal information held by Substack by managing your Substack account or contacting Substack directly. If you have specific requests regarding information I might personally hold (like direct email correspondence), please contact me.

• Managing Comments: You may be able to edit or delete your comments via your Substack account.

7. Security

I rely on Substack's security measures to protect your information, as they manage the platform's infrastructure. I also take reasonable precautions from my end (like using strong passwords for my Substack account). However, please understand that no method of transmission over the Internet or electronic storage is 100% secure.

8. Children's Privacy

[Your Newsletter Name] is intended for a general audience and is not directed at children under the age of 13 (or 16 in certain jurisdictions like the EEA). I do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact me, and I will take steps to delete it.

9. Links to Other Websites

My newsletter or website may contain links to other websites not operated by me. If you click on a third-party link, you will be directed to that third party's site. I strongly advise you to review the Privacy Policy of every site you visit. I have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

10. Changes to This Privacy Policy

I may update this Privacy Policy from time to time to reflect changes in my practices or for other operational, legal, or regulatory reasons. If I make material changes, I will notify you by posting the new policy on this page and updating the "Effective Date" at the top. I may also notify you via email if the changes are significant.

11. A Note on Our Shared Journey

Your presence here is valued. Just as we explore concepts of connection and awareness in [Your Newsletter Name], I aim for this policy to reflect a similar respect and transparency in how your information is handled. My intention is to build a community based on mutual trust.

12. Contact Me

If you have any questions, concerns, or thoughts about this Privacy Policy or your personal information, please don't hesitate to reach out to me at:
kylekudrna3@gmail.com

Thank you for being a part of the Time N Money community.

Warmly,
Kyle K.
Time N Money