Privacy Policy

Effective date: 2025-11-11

Last updated: 2025-11-11

1) Who we are

Your Money Essentials ("Company", "we", "us") operates yourmoneyessentials.com (the "Site") and may offer related products and services (collectively, the "Services"). Our contact details are at the bottom of this policy.

2) What this policy covers

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit the Site or use the Services. If you do not agree with this policy, please do not use the Services.

3) Information we collect

Information you provide: name, email address, billing address, shipping address, phone number, account credentials, messages you send us, content you submit, and preferences.

Payment information: processed by Stripe. We do not store full credit/debit card numbers. See the processor’s privacy policy for details.

Automatically collected data: IP address, device and browser type, operating system, pages viewed, referring/exit pages, timestamps, and general location (via IP). This may be collected via cookies, pixels, local storage, and similar technologies.

Third-party data: if you connect or interact with third parties (e.g., social login, analytics, ad platforms), we may receive information as permitted by their policies.

4) How we use information

We use information to:

Provide and improve the Services

Process orders, payments, and fulfill purchases

Communicate with you (support, transactional, and—if you opt in—marketing)

Personalize content and measure performance

Detect and prevent fraud and abuse

Comply with legal obligations and enforce our terms

5) Legal bases for processing (EEA/UK)

If you are in the EEA/UK, we process personal data under these legal bases: contract, legitimate interests, consent (for marketing/cookies where required), and legal obligations.

6) Cookies & similar technologies

We use cookies and similar technologies for functionality, analytics, and advertising/retargeting. You can manage preferences through any cookie banner presented and your browser settings. For details about the tools we use, see the next section.

7) Analytics & advertising

We use Google Analytics and advertising platforms such as Meta and Google Ads. These providers may set their own cookies and collect usage data subject to their policies. Where required, we obtain your consent before setting non-essential cookies.

We also use HighLevel for email communications and CRM/helpdesk functions.

8) Sharing your information

We share information with:

Service providers (e.g., hosting, analytics, payment processing, email/SMS providers, customer support tools) bound by confidentiality and data-protection obligations

Business transfers in connection with a merger, acquisition, or asset sale

Legal and safety where required by law, court order, or to protect rights, property, or safety

We do not sell personal information.

9) International transfers

Your information may be processed in countries outside your own (including Canada/USA/EEA/UK). Where required, we use appropriate safeguards (such as standard contractual clauses) to protect your data.

10) Data retention

We keep personal data only as long as needed for the purposes described here, to comply with legal obligations, resolve disputes, and enforce agreements. Retention periods vary by data type and context.

11) Your rights

Your rights depend on your location. Subject to exceptions, you may have rights to access, correct, delete, or port your data; restrict or object to processing; and withdraw consent for marketing/cookies at any time. To exercise rights, contact us at [email protected].

Region-specific disclosures

Canada (PIPEDA): You may request access to and correction of personal information we hold about you. Contact [email protected].

California (CPRA): California residents can request to know, delete, or correct personal information and can opt out of "sharing" for cross-context behavioral advertising. We do not "sell" personal information. Email [email protected]. We do not "sell" personal information. Email [email protected].

EEA/UK (GDPR): You may lodge a complaint with your local supervisory authority. Our EU/UK representative (if applicable) is Not applicable.

12) Security

We implement administrative, technical, and physical safeguards appropriate to the nature of the data. No security measure is perfect; transmission and storage risks remain.

13) Children’s privacy

The Services are not directed to children under 13 (or the minimum age in your jurisdiction). We do not knowingly collect personal information from children. If you believe a child has provided personal information, contact [email protected].

14) Third-party links

The Services may link to third-party sites or services that we do not control. This policy does not apply to their practices.

15) Changes to this policy

We may update this policy from time to time. Material changes will be posted on the Site with an updated “Last updated” date.

16) Contact us

Email: [email protected]
Address: PO Box 869

Mt. Pleasant, 29465