Privacy Policy

Senior Budget Living does not sell personal information.

Effective July 30, 2026. The website is operated by J.M. Atencio (Michael Atencio). Privacy questions may be sent to info@SeniorBudgetLiving.com.

Newsletter information

The newsletter stores an encrypted email address, a one-way keyed lookup hash, delivery frequency, selected subjects, confirmation status, and delivery dates. Subscribers do not create passwords. Unconfirmed signup records are removed after 30 days.

Optional website analytics

Analytics do not begin until a visitor selects “Allow private analytics.” When allowed, the website records page views, approximate unique visits, clicks, searches, zero-result searches, referral domains, device class, and dates. The random visitor identifier expires after 30 days. Analytics records are retained for no more than 395 days. Raw IP addresses and full browser-identification strings are not stored in analytics records.

Visitors who select “Use without analytics” can still use the complete website. The Analytics choices control in the footer can change the selection.

Security and abuse protection

Public forms and owner sign-in use short-lived, keyed connection hashes to limit automated abuse. Raw connection addresses are not written to the rate-limit table, and rate-limit records are removed after no more than two days.

Reader questions

The question form stores the submitted question, an optional name, and an optional encrypted reply email. Do not submit government identifiers, medical records, financial account numbers, passwords, or other sensitive records.

Cookies and local storage

The private owner dashboard uses a secure session cookie. The public website stores an analytics-choice cookie. When analytics are allowed, the browser also stores a random identifier with a 30-day expiration. This release does not use third-party advertising trackers.

Why information is used

Information is used to deliver requested updates, answer submitted questions, protect the service from abuse, understand which subjects require more coverage, correct weak search results, maintain security, and operate the website.

Cancellation, correction, and deletion requests

Every newsletter includes an unsubscribe link. Subscribers may also request a time-limited management link without creating a password. Other requests may be sent to the privacy contact above.

Outside links

Official-source and advertiser links lead to other organizations with their own privacy practices. Senior Budget Living does not control those outside websites.