Privacy Policy

Effective Date: May 8, 2026

This Privacy Policy explains how American Ledger, operated by Sellet LLC, collects, uses, and protects your personal information when you subscribe to or visit our Service. By using the Service, you consent to the data practices described in this policy.

Who We Are

Sellet LLC ("us", "we", or "our") operates American Ledger, a financial newsletter and website located at americanledgerdaily.beehiiv.com (the "Service"). American Ledger is dedicated to unpacking U.S. markets with clarity and conviction — delivering straightforward financial analysis to readers who want to stay ahead of the market without the noise.

Company: Sellet LLC
Website: americanledgerdaily.beehiiv.com
Mailing Address: 555 Rue Chabanel O POB 972, Montreal, QC H2N 2J2, Canada

Definitions

Service — The American Ledger newsletter and website operated by Sellet LLC at americanledgerdaily.beehiiv.com.

Personal Data — Data about a living individual who can be identified from that data (or from that and other information either in our possession or likely to come into our possession).

Usage Data — Data collected automatically, either generated by your use of the Service or from the Service infrastructure itself (for example, the pages you visit or links you click in our emails).

Cookies — Small pieces of data stored on your device (computer or mobile device).

Data Controller — The natural or legal person who determines the purposes for which and the way any personal information is processed. For the purpose of this Privacy Policy, Sellet LLC is the Data Controller of your Personal Data.

Data Processor (Service Provider) — Any natural or legal person who processes data on behalf of the Data Controller.

Data Subject (User) — Any living individual who uses our Service and is the subject of Personal Data.

Information We Collect and Use

We collect information about our subscribers and site visitors to operate the American Ledger newsletter and improve the reader experience.

Types of Data Collected

Personal Data

When you subscribe to American Ledger or interact with our Service, we may collect the following personal information:

First name and last name
Email address
Subscription status and preferences
Any information you directly provide to us through a contact form, by email, or otherwise
Your communication and content preferences
Cookies and Usage Data

Usage Data

We automatically collect data about how you interact with our Service, which may include:

Your device's Internet Protocol (IP) address
Browser type and version
Pages of our Service you visit and the time spent on them
Date and time of your visit
Email open rates and click-through data
Links you click within our newsletters
Unique device identifiers and other diagnostic data

Tracking & Cookies Data

We use cookies and similar tracking technologies to improve our Service and deliver a better reader experience. You may configure your browser to refuse cookies, though this may affect your ability to use certain features of our Service.

Types of cookies we use:

Session Cookies — Required for basic Service operation.
Preference Cookies — To remember your settings and content preferences.
Security Cookies — For fraud detection and prevention.
Analytics Cookies — To measure newsletter engagement and website traffic.

How We Use Your Data

Sellet LLC uses the information we collect for the following purposes:

To deliver the American Ledger newsletter directly to your inbox
To provide U.S. market analysis, financial news, and editorial commentary you subscribed to
To communicate service updates, changes to our newsletter, or new features
To respond to subscriber inquiries and provide support
To analyze reader engagement and improve the quality of our financial reporting
To monitor and maintain the technical performance of our Service
To detect and prevent fraudulent activity or abuse of the Service
To comply with legal obligations

Legal Basis for Processing Personal Data

Sellet LLC processes your personal data on the following legal grounds:

Consent — You have expressly consented to the processing of your personal data by subscribing to American Ledger.

Contract — Processing is necessary to perform our agreement with you — specifically, delivering the newsletter you signed up for.

Legitimate Interests — Processing is necessary for our legitimate interests in improving our editorial product and operating a sustainable media business.

Legal Obligation — Processing is required to comply with applicable law or regulatory requirements.

Retention of Data

Sellet LLC retains your Personal Data only as long as necessary for the purposes described in this Privacy Policy. Specifically:

Active subscriber data is retained for the duration of your subscription.
After unsubscribing, we may retain minimal records as required by law or for legitimate operational purposes for a limited time.
Usage Data is generally retained for a shorter period unless required for security, compliance, or service improvement purposes.

Transfer of Data

Your information, including Personal Data, may be transferred to and stored on servers located outside your state, province, or country. If you are located outside the United States, please be aware that your data is transferred to and processed in the United States.

Sellet LLC takes all steps reasonably necessary to ensure that your data is handled securely and in accordance with this Privacy Policy.

Disclosure of Data

Sellet LLC does not sell, trade, or rent your Personal Data to third parties.

We may disclose your Personal Data if required to do so by law or in the good faith belief that such action is necessary to:

Comply with a legal obligation or government request
Protect and defend the rights or property of Sellet LLC
Prevent or investigate potential wrongdoing in connection with the Service
Protect the safety of users of the Service or the public
Protect against legal liability

Security of Data

We take reasonable technical and organizational measures to protect your Personal Data against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet is completely secure. While we strive to protect your data using commercially acceptable means, we cannot guarantee absolute security.

Your Data Protection Rights

You have the following rights with respect to your personal data:

Right to Access — Request a copy of the personal data we hold about you.

Right to Rectification — Request correction of inaccurate or incomplete personal data.

Right to Erasure — Request deletion of your personal data, subject to applicable conditions.

Right to Restrict Processing — Request that we limit how your data is used.

Right to Object — Object to our processing of your data in certain circumstances.

Right to Data Portability — Request that your data be provided in a structured, machine-readable format or transferred to another organization.

To exercise any of these rights, contact us at the information listed at the bottom of this page. We will respond to your request within 30 days.

Unsubscribing

You may unsubscribe from American Ledger at any time by clicking the "unsubscribe" link included at the bottom of every email we send, or by contacting us directly. Your email will be removed from our active subscriber list promptly after your request.

Service Providers

We work with trusted third-party service providers to operate our newsletter, process subscriber data, and analyze engagement. These providers are granted access to your data only as necessary to perform their specific functions and are bound by contractual obligations to maintain its confidentiality.

Our newsletter is powered by Beehiiv, a newsletter platform. By subscribing to American Ledger, you also agree to Beehiiv's Privacy Policy, available at beehiiv.com/privacy.

Analytics

We use analytics tools to track newsletter performance metrics including email open rates, click-through rates, and subscriber growth. These analytics help us refine our market coverage and deliver content that is relevant and valuable to our readers.

Links to Other Sites

American Ledger may contain links to third-party websites, news sources, or financial platforms. These links are included for informational purposes and do not constitute endorsement. Sellet LLC has no control over the privacy practices of third-party sites and recommends that you review their respective privacy policies.

Children's Privacy

American Ledger is intended for adult readers. Our Service does not target or knowingly collect personal data from children under the age of 13. If we become aware that we have inadvertently collected data from a child under 13, we will take immediate steps to delete that information. If you believe a child has provided us with their data, please contact us.

Affiliate Links and Advertising Disclosure

American Ledger may contain affiliate links within our newsletter issues and on our website. When you click an affiliate link and complete a qualifying action (such as a purchase or sign-up), Sellet LLC may receive a commission. This comes at no additional cost to you.

American Ledger may also publish sponsored content or enter into paid advertising arrangements.

Our editorial standards are not influenced by affiliate relationships or advertising partnerships. The market analysis, financial commentary, and perspectives published by American Ledger represent the independent views of our editorial team.

Clicking on affiliate links in American Ledger constitutes your acknowledgment that Sellet LLC may receive compensation from third-party partners as a result of your interaction.

Financial Disclaimer

American Ledger is an independent financial newsletter published for informational and educational purposes only. Nothing published in American Ledger constitutes investment advice, financial advice, trading advice, or any other sort of professional advice. The content represents the editorial opinions of the team at Sellet LLC and should not be construed as a recommendation to buy or sell any security or financial instrument. Past performance is not indicative of future results. Readers should conduct their own due diligence and consult with a licensed financial professional before making any investment decisions.

Changes to This Privacy Policy

We may revise this Privacy Policy from time to time to reflect changes in our practices or applicable law. When we update the policy, we will revise the effective date at the top of this page. We encourage you to check this page periodically to stay informed about how we handle your data.

Contact Us

If you have questions, concerns, or requests related to this Privacy Policy, please contact us:

Sellet LLC
555 Rue Chabanel O POB 972
Montreal, QC H2N 2J2, Canada
Website: americanledgerdaily.beehiiv.com