PRIVACY POLICY

Money Talk RM LLC

Last updated: June 20, 2026

This Privacy Policy describes the policies and procedures of Money Talk RM LLC ("the Company," "We," "Us," or "Our") regarding the collection, use, and disclosure of Your information when You use the website www.moneytalkrashad.com (referred to as "the Website" or "Service"), including our newsletters, courses, community platforms, coaching programs, and software tools, and it outlines Your privacy rights and the protections provided by law.

Interpretation and Definitions

Interpretation

The words with initial capital letters have specific meanings defined under certain conditions. Regardless of whether they appear in singular or plural form, the following definitions shall have the same meaning.

Definitions

For the purposes of this Privacy Policy:

  • Account means a unique account created by You to access our Service or parts of our Service.
  • Cookies are small files placed on Your computer, mobile device, or any other device by a website, containing details of Your browsing history on that website, among other uses.
  • Country refers to: United States.
  • Device means any device capable of accessing the Service, such as a computer, cellphone, or digital tablet.
  • Personal Data is any information that relates to an identified or identifiable individual.
  • Service refers to the Website (www.moneytalkrashad.com), together with our newsletters, courses, community platforms, coaching programs, and Tools.
  • Service Provider means any natural or legal person who processes data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, provide the Service on behalf of the Company, perform services related to the Service, or assist the Company in analyzing how the Service is used.
  • Tools means any software application, dashboard, scanner, screener, calculator, or other interactive utility made available by the Company.
  • Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (e.g., the duration of a page visit).
  • You means the individual accessing or using the Service, or the company or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data

While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:

  • Email address
  • First name and last name
  • Phone number (if You choose to provide it, for example to receive SMS updates)
  • Information You submit through account registration, forms, surveys, support requests, or the Tools

Usage Data

Usage Data is collected automatically when using the Service.

Usage Data may include information such as Your Device's Internet Protocol address (e.g., IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers, and other diagnostic data.

When You access the Service through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device's unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers, and other diagnostic data.

Information Collected Through Our Software Tools

When You use the Tools, We may collect and store information You enter or generate within the Tools, such as account and login details, the inputs, parameters, filters, and criteria You select, any saved preferences, watchlists, or saved scans, and usage information about how You interact with the Tools. We use this information to operate, maintain, personalize, secure, and improve the Tools. The Tools also display market data obtained from third-party data providers (such as Alpha Vantage Inc.); such market data is general financial information and is not Your Personal Data.

Payment Information

Payments for subscriptions, courses, coaching, and other products are processed by third-party payment processors (such as Stripe). When You make a payment, You provide Your payment information directly to the processor, which handles it in accordance with its own privacy policy and applicable payment-card security standards. We do not collect or store Your full payment card number. We may receive limited transaction information, such as confirmation of payment, the last four digits of Your card, billing contact details, and subscription status.

Tracking Technologies and Cookies

We use Cookies and similar tracking technologies to track activity on Our Service and store certain information. Tracking technologies used may include beacons, tags, and scripts, which allow Us to collect and track information and improve and analyze Our Service. The technologies We use may include:

  • Cookies or Browser Cookies: A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service. Unless You have adjusted Your browser setting to refuse Cookies, Our Service may use Cookies.
  • Flash Cookies: Certain features of Our Service may use local stored objects (or Flash Cookies) to collect and store information about Your preferences or Your activity on our Service. Flash Cookies are not managed by the same browser settings as those used for Browser Cookies.
  • Web Beacons: Certain sections of Our Service and Our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and gather other related website statistics.

Cookies can be "Persistent" or "Session" Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser. We use both Session and Persistent Cookies for various purposes, including:

  • Necessary / Essential Cookies: These Session Cookies are essential to provide You with services available through the Website and enable You to use some of its features. They help authenticate users and prevent fraudulent use of user accounts.
  • Cookies Policy / Notice Acceptance Cookies: These Persistent Cookies identify if users have accepted the use of cookies on the Website.
  • Functionality Cookies: These Persistent Cookies allow Us to remember choices You make when You use the Website, such as remembering Your login details or language preference.

Use of Your Personal Data

The Company may use Personal Data for the following purposes:

  • To provide and maintain our Service, including the Tools, and to monitor the usage of our Service.
  • To manage Your Account: to manage Your registration as a user of the Service and to give You access to functionalities available to registered users.
  • For the performance of a contract: the development, compliance, and undertaking of the purchase contract for the products or services You have purchased or any other contract with Us through the Service.
  • To contact You: by email, telephone calls, SMS, or other equivalent forms of electronic communication regarding updates or informative communications related to the functionalities, products, or contracted services, including security updates when necessary or reasonable.
  • To provide You with news, special offers, and general information about other goods, services, and events that We offer and are similar to those that You have already purchased or inquired about, unless You have opted not to receive such information.
  • To manage Your requests: to attend to and manage Your requests to Us.
  • For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets.
  • For other purposes: such as data analysis, identifying usage trends, determining the effectiveness of Our promotional campaigns, and evaluating and improving Our Service, products, marketing, and Your experience.

Disclosure of Your Personal Data

The Company may share Your personal information in the following situations:

  • With Service Providers: We may share Your personal information with Service Providers to operate and provide the Service (including payment processing, hosting, email, and analytics), to monitor and analyze the use of our Service, and to contact You.
  • For business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.
  • With Affiliates: We may share Your information with Our affiliates, in which case We will require those affiliates to honor this Privacy Policy.
  • With business partners: We may share Your information with Our business partners to offer You certain products, services, or promotions. Where this activity constitutes "selling" or "sharing" under applicable law, You may opt out as described in the "Your California Privacy Rights" section below.
  • With other users: When You share personal information or otherwise interact in the public areas of the Service with other users, such information may be viewed by all users and may be publicly distributed.
  • With Your consent: We may disclose Your personal information for any other purpose with Your consent.

Retention of Your Personal Data

The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with Our legal obligations, resolve disputes, and enforce Our legal agreements and policies. The Company will also retain Usage Data for internal analysis purposes; Usage Data is generally retained for a shorter period, except when this data is used to strengthen the security or improve the functionality of Our Service, or We are legally obligated to retain this data for longer periods.

Transfer of Your Personal Data

Your information, including Personal Data, is processed at the Company's operating offices in the United States and in any other places where the parties involved in the processing are located. The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy, and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place, including the security of Your data and other personal information.

Managing, Accessing, and Deleting Your Personal Data

You may access, update, or delete certain Personal Data directly within Your Account settings. You may also contact Us at moneytalkrashad@gmail.com to request access to, correction of, or deletion of Your Personal Data, and We will respond consistent with applicable law. We may need to verify Your identity before fulfilling certain requests, and We may retain certain information where required or permitted by law.

Security of Your Personal Data

The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.

Your Privacy Rights

Depending on where You live, You may have certain rights regarding Your Personal Data under applicable law. To the extent such laws apply to You, these may include the right to:

  • know or access the Personal Data We hold about You;
  • request correction of inaccurate Personal Data;
  • request deletion of Your Personal Data;
  • request a portable copy of Your Personal Data;
  • opt out of the "sale" or "sharing" of Your Personal Data and of targeted advertising; and
  • not be subject to discrimination for exercising Your privacy rights.

To exercise any of these rights, contact Us at moneytalkrashad@gmail.com. You may use an authorized agent to submit a request on Your behalf where permitted by law. We will not discriminate against You for exercising any of Your privacy rights.

Your California Privacy Rights (CCPA/CPRA)

This section applies to California residents to the extent the California Consumer Privacy Act, as amended by the California Privacy Rights Act ("CCPA/CPRA"), applies to the Company. It describes the categories of Personal Data We collect and Your rights with respect to that data.

Categories of Personal Information We Collect.

In the preceding twelve months, We may have collected the following categories of personal information:

  • Identifiers: such as name, email address, phone number, IP address, and unique device identifiers.
  • Customer records and commercial information: such as products or services purchased or considered, and subscription and billing status.
  • Internet or other electronic network activity: such as browsing and usage data and interactions with our Service and Tools.
  • Geolocation data: such as approximate location derived from Your IP address.
  • Inferences: drawn from the above to understand preferences and improve the Service.

We do not collect sensitive personal information (such as government identifiers, precise geolocation, or financial account login credentials) for the purpose of inferring characteristics, and We do not knowingly collect personal information from individuals under 18.

"Do Not Sell or Share My Personal Information."

We do not sell Your personal information for monetary consideration. To the extent that Our sharing of personal information with business partners for promotional or cross-context behavioral advertising purposes constitutes a "sale" or "sharing" under the CCPA/CPRA, You have the right to opt out. To opt out, email Us at moneytalkrashad@gmail.com with the subject line "Do Not Sell or Share," or use any "Do Not Sell or Share My Personal Information" link provided on Our Website.

Your California Rights.

Subject to the CCPA/CPRA, You have the right to know and access the categories and specific pieces of personal information We have collected, the right to request deletion, the right to request correction, the right to opt out of sale or sharing, and the right not to receive discriminatory treatment for exercising Your rights. To exercise these rights, contact Us at moneytalkrashad@gmail.com. We will verify Your request consistent with applicable law.

Children's Privacy

Our Service is not directed to anyone under the age of 18. We do not knowingly collect personally identifiable information from anyone under the age of 18. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us immediately. If We become aware that We have collected Personal Data from anyone under the age of 18 without verification of parental consent, We will take steps to remove that information from Our servers.

Links to Other Websites

Our Service may contain links to other websites that are not operated by Us. If You click on a third-party link, You will be directed to that third party's site. We strongly advise You to review the Privacy Policy of every site You visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

Changes to this Privacy Policy

We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date at the top of this Privacy Policy. Where required, We will let You know via email and/or a prominent notice on Our Service before the change becomes effective. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If You have any questions, concerns, or complaints about this Privacy Policy, or wish to exercise Your privacy rights, please contact Us:

By email: moneytalkrashad@gmail.com