Last updated: 26 September 2025
We respect your privacy and are committed to protecting your personal information. This Privacy Policy explains what data we collect, how we use it, and your rights. By using The 20% Vault (“we,” “us,” “our”), you agree to this Policy.
1) Information we collect
We collect information in the following ways:
- Account & membership data: When you sign up for free or paid membership, we collect your name, email address, and login credentials.
- Payment data: Payments are processed securely by Stripe. We do not store your card details, but Stripe may collect billing information, card type, and transaction history.
- Email communications: If you subscribe, we may send updates and product announcements via Mailgun (our email service provider).
- Analytics data: We use Google Analytics to understand traffic, usage, and performance. This may include IP address, browser type, pages visited, and approximate location.
- Cookies: Our website uses cookies and similar technologies to improve performance, personalise content, and track usage.
2) How we use your information
We use your information to:
- Provide access to free and paid content.
- Process payments and manage subscriptions.
- Send emails and updates you’ve opted into.
- Monitor usage and improve the Services.
- Comply with legal obligations.
We will never sell your personal information.
3) Sharing your information
We only share your data with trusted third parties that enable our Services:
- Stripe (payments and billing)
- Mailgun (email delivery)
- Google Analytics (site usage and performance tracking)
- Ghost (site hosting and membership system)
These providers may process data on servers outside your country (including the United States or European Union).
4) Your rights
Depending on where you live, you may have rights to:
- Access the data we hold about you.
- Request correction or deletion of your data.
- Opt-out of marketing emails at any time (unsubscribe link in every email).
- Block or delete cookies in your browser settings.
To exercise these rights, contact us at: 20percentvault@gmail.com
5) Data security & retention
- We take reasonable steps to protect your data from loss, misuse, or unauthorised access.
- We retain personal data only as long as necessary for your membership, payments, or legal requirements.
6) Cookies
We use cookies to:
- Keep you logged in as a member.
- Analyse traffic (via Google Analytics).
- Improve site performance.
You can disable cookies in your browser, but some features may not work properly.
7) Children’s privacy
Our Services are not directed to children under 16. If you believe we have collected data from a child, contact us and we will delete it.
8) Changes to this Policy
We may update this Privacy Policy from time to time. Updates will be posted here with a new “last updated” date.
9) Contact
If you have any questions or requests regarding this Privacy Policy, please contact us: