The Modern Reference - Privacy Policy

As of April 2026.

By subscribing to or accessing The Modern Reference (www.themodernreference.com), you agree to the following terms.

1. About The Modern Reference

The Modern Reference is an editorial publication operated by Lise Bacca Ivanov, The Modern Reference, based in Luxembourg. It publishes content related to wellness, lifestyle, and contemporary culture.

2. Subscriptions

The Modern Reference offers free and paid subscriptions. Paid subscriptions are processed via Stripe through Substack. By subscribing, you agree to Substack’s terms of service in addition to these terms.

Subscriptions renew automatically unless cancelled. You may cancel at any time via your Substack account settings. No refunds are issued for partial subscription periods.

3. Content & Intellectual Property

All content published on The Modern Reference — including articles, texts, selections, and editorial formats — is the intellectual property of Lise Bacca Ivanov, The Modern Reference. Reproduction, redistribution, or commercial use of any content without prior written consent is prohibited.

4. Disclaimer

Content published on The Modern Reference is for informational and editorial purposes only. It does not constitute medical, legal, or financial advice. Readers are encouraged to consult qualified professionals before making any decisions.

5. Changes to These Terms

These terms may be updated at any time. Continued use of the publication following any update constitutes acceptance of the revised terms.

6. Governing Law

These terms are governed by the laws of the Grand Duchy of Luxembourg.

Privacy Policy

Last updated: April 2026

1. Data Controller

The data controller is Lise [Nom de famille], operating The Modern Reference, based in Luxembourg.

2. Data Collected

When you subscribe to The Modern Reference, the following data is collected:

• Email address

• Subscription status (free or paid)

• Payment information (processed and stored by Stripe — The Modern Reference does not store payment data directly)

3. Purpose of Data Processing

Your data is used solely to:

• Send you content and communications from The Modern Reference

• Manage your subscription

• Comply with legal obligations

Your data is never sold or shared with third parties for commercial purposes.

4. Legal Basis

Data processing is based on your consent, given at the time of subscription, in accordance with the General Data Protection Regulation (GDPR).

5. Data Retention

Your data is retained for as long as your subscription is active. Upon unsubscribing, your data will be deleted within 30 days, unless retention is required by law.

6. Your Rights

Under the GDPR, you have the right to:

• Access your personal data

• Request correction or deletion of your data

• Withdraw consent at any time

• Lodge a complaint with the Luxembourg data protection authority (CNPD)

To exercise these rights, contact: [email address]

7. Third-Party Services

The Modern Reference operates on Substack and uses Stripe for payment processing. Both services have their own privacy policies, which apply independently.

8. Changes to This Policy

This policy may be updated at any time. Continued use of the publication following any update constitutes acceptance of the revised policy.