Privacy Disclaimer

Effective Date: November 12, 2026

1. Introduction Welcome to Practical Penny, LLC ("we," "our," or "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains what information we collect when you visit bypracticalpenny.com, how we use it, and your rights regarding that information, in compliance with the Illinois Personal Information Protection Act (PIPA) [cite: 1.1.3].

2. Information We Collect We may collect the following types of information:

• Personal Information: When you voluntarily submit a request through our "Contact Me" form or subscribe to our newsletter, we collect personal information such as your first and last name, email address, phone number, and any details you provide about your organizing project. Under PIPA, sensitive personal information can also include financial account numbers, medical information, or passwords, which we will only collect if strictly necessary for our services and protected accordingly [cite: 1.1.3].

• Automatically Collected Data: Like most websites, we use cookies, analytics tools (e.g., Google Analytics), and similar tracking technologies to collect basic usage data. This includes your IP address, browser type, operating system, and browsing behavior on our site.

3. How We Use Your Information We use the information we collect to:

• Respond to your direct inquiries and provide customer support.

• Schedule consultations or organizing sessions.

• Improve our website functionality and analyze visitor trends.

• Send periodic marketing communications (only if you have opted in, and you may unsubscribe at any time).

4. Data Security and Disposal (Illinois Compliance) We implement reasonable security measures to protect your personal data from unauthorized access, use, or modification, as required by Illinois law [cite: 1.1.3]. Furthermore, in compliance with PIPA data disposal regulations, any paper or electronic records containing personal information that we no longer need will be safely destroyed or made unreadable and unrecoverable [cite: 1.1.3].

5. Data Breach Notification In the unlikely event of a data breach compromising your sensitive personal information, we will notify affected individuals in writing or electronically as soon as possible and without unreasonable delay, in accordance with Illinois breach notification requirements [cite: 1.1.3]. If a breach affects more than 500 Illinois residents, we will also report the incident to the Illinois Attorney General [cite: 1.1.4].

6. Sharing Your Information We do not sell, rent, or trade your personal information to third parties. We only share your data with trusted third-party service providers (such as website hosts or email marketing platforms) necessary to operate our business, and only under strict confidentiality agreements.

7. Contact Us If you have questions or comments about this Privacy Policy, please contact us at:Practical Penny, LLC Email: penny@bypracticalpenny.com