2026 figures 401(k) limit $24,500IRA limit $7,500HSA self / family $4,400 / $8,750Standard deduction (single) $16,10012% bracket from $12,400FDIC coverage $250,000
First Real Salary

Privacy Policy

Last updated: October 4, 2026

This Privacy Policy explains how First Real Salary ("we", "us", "our") collects, uses and shares information when you visit firstrealsalary.com/ (the "Site"). By using the Site, you agree to the practices described here.

Data controller and site operator: Jorge Trigo, NIF 79076396G, Gobelbide 3, bajo izq., 48992 Getxo (Bizkaia), Spain. Contact: firstsalary@gmail.com.

Information we collect

Information you provide. When you contact us, comment on an article or subscribe to a newsletter, we collect the information you submit, such as your name, email address and message.

Information collected automatically. When you visit the Site, we and our service providers automatically collect certain information, including your IP address, browser type, device type, operating system, referring pages, pages viewed, time spent on pages and approximate location derived from your IP address. This is collected through cookies, web beacons and similar technologies. See our Cookie Policy.

We do not knowingly collect sensitive financial information such as bank account numbers, and we ask that you never send it to us.

How we use information

  • To operate, maintain and improve the Site
  • To respond to your messages and correction requests
  • To send newsletters you have subscribed to (you can unsubscribe at any time)
  • To understand how readers use the Site through analytics
  • To display advertising, including personalized advertising where permitted
  • To protect the Site against spam, fraud and abuse
  • To comply with legal obligations

Advertising and Google AdSense

We use Google AdSense to display ads. Google and its partners use cookies to serve ads based on your prior visits to this Site and other websites. Google’s use of advertising cookies enables it and its partners to serve ads to you based on your visits to this and/or other sites on the internet.

You may opt out of personalized advertising by visiting Google Ads Settings. You can also opt out of some third-party vendors’ use of cookies for personalized advertising at www.aboutads.info/choices or www.youronlinechoices.eu (Europe). Learn more about how Google uses information from sites that use its services at policies.google.com/technologies/partner-sites.

Analytics

We use Google Analytics to understand how visitors use the Site. Google Analytics collects information such as pages visited and time on site and reports aggregated trends to us. You can prevent Google Analytics from collecting your data by installing the Google Analytics Opt-out Browser Add-on.

How we share information

We do not sell your personal information for money. We share information only:

  • With service providers who help us run the Site (hosting, analytics, email delivery, security), under appropriate confidentiality obligations
  • With advertising partners such as Google, as described above
  • When required by law, or to protect our rights, users or the public
  • In connection with a merger, sale or transfer of the Site, in which case this policy will continue to apply

Your privacy rights

United States residents. Depending on your state (for example California, Colorado, Connecticut, Virginia and others), you may have the right to know what personal information we collect, request access to or deletion of it, correct inaccurate information and opt out of “sale” or “sharing” of personal information for targeted advertising. To exercise these rights, use the “Privacy choices” link in our footer or email firstsalary@gmail.com. We will not discriminate against you for exercising your rights. We honor Global Privacy Control (GPC) signals where required by law.

European Economic Area, United Kingdom and Switzerland. We process personal data on the basis of your consent (for advertising and analytics cookies), our legitimate interests (operating and securing the Site) and legal obligations. You have the right to access, rectify, erase, restrict or object to processing, to data portability and to withdraw consent at any time, and the right to lodge a complaint with your local data protection authority. Consent for ads is collected through a Google-certified consent management platform.

Applicable law. Because the Site is operated from Spain, we handle personal data in line with the EU General Data Protection Regulation (GDPR) and Spanish data protection law for all visitors, wherever they live. The Spanish supervisory authority is the Agencia Española de Protección de Datos (aepd.es).

International data transfers

Some of our service providers, including Google, process data in the United States and other countries outside the European Economic Area. Where this happens, transfers rely on safeguards recognized under the GDPR, such as the EU-U.S. Data Privacy Framework or the European Commission’s Standard Contractual Clauses.

Data retention

We keep personal information only as long as needed for the purposes described above — for example, contact messages for up to 24 months — unless a longer period is required by law.

Security

We use reasonable technical and organizational measures, including encryption in transit (HTTPS), to protect information. No method of transmission over the internet is completely secure.

Children’s privacy

The Site is intended for adults. We do not knowingly collect personal information from children under 13 (or under 16 in the EEA). If you believe a child has provided us information, contact us and we will delete it.

Third-party links

The Site links to other websites. We are not responsible for their privacy practices; please review their policies.

Changes to this policy

We may update this policy from time to time. The “Last updated” date above shows when it was last revised. Material changes will be highlighted on the Site.

Contact us

Questions or requests regarding privacy: firstsalary@gmail.com.