Privacy Policy

1. Introduction

The Money School ("we," "us," or "our"), operated by Money News Network (MNN), is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and protect personal information when you visit our website at themoneyschool.com, enroll in our courses, use our financial tools, or participate in our community.

This Policy is designed to comply with applicable U.S. privacy laws including the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), the Colorado Privacy Act (CPA), the Connecticut Data Privacy Act (CTDPA), the Virginia Consumer Data Protection Act (VCDPA), and other applicable state privacy laws.

2. Information We Collect

Information You Provide Directly

• Account registration information: email address, first and last name, password
• Payment information: processed securely by Stripe; we do not store full card numbers
• Community posts, messages, and replies you submit
• Profile information including username and profile photo
• Communications with our support team

Information Collected Automatically

• Usage data: pages visited, features used, course progress
• Device and browser information
• IP address (anonymized for analytics purposes)
• Cookies and similar tracking technologies

Sensitive Personal Information

Financial data you voluntarily enter into our interactive calculators and worksheets (such as income, net worth, investment amounts) may constitute sensitive personal information under some state laws. This data is processed locally in your browser and is not transmitted to our servers unless you explicitly save it. See Section 6 for your rights regarding sensitive information.

3. How We Use Your Information

We use personal information to:

• Create and manage your account and course access
• Process payments and verify purchases
• Provide and improve our educational content and tools
• Send transactional emails (purchase confirmations, password resets)
• Send marketing communications (you may unsubscribe at any time)
• Analyze website usage to improve performance and user experience
• Protect against fraud and ensure security
• Comply with legal obligations

4. Sharing and Disclosure

We do not sell your personal information in the traditional sense. However, under the broad definitions in CCPA/CPRA, sharing data with certain third-party service providers for cross-context behavioral advertising may constitute a "sale" or "sharing." The third parties we work with include:

• Kit (ConvertKit): Email marketing platform that receives your email, name, and marketing tags
• Stripe: Payment processor that handles billing information
• Google Analytics (GA4): Website analytics with IP anonymization enabled
• Vimeo: Video hosting with Do-Not-Track enabled
• Affiliate networks: Links to third-party financial services via tracking links

We do not disclose personal information to third parties for their own marketing purposes without your consent, except as described above. We may disclose information as required by law or to protect our legal rights.

5. Cookies and Tracking

We use cookies for authentication (session cookies), analytics (Google Analytics), and to remember your privacy preferences. You may disable cookies through your browser settings, though this may affect site functionality. To opt out of analytics tracking, use our Privacy Choices page.

6. Your U.S. State Privacy Rights

Depending on your state of residence, you may have the following rights:

• Right to Know: You may request information about the categories and specific pieces of personal information we have collected about you.
• Right to Delete: You may request deletion of personal information we have collected, subject to certain exceptions.
• Right to Correct: You may request correction of inaccurate personal information.
• Right to Opt Out of Sale/Sharing: You may opt out of the sale or sharing of your personal information for cross-context behavioral advertising. Use our Privacy Choices page or click the "Do Not Sell or Share My Personal Information" link in our footer.
• Right to Limit Sensitive Information: You may request that we limit the use of your sensitive personal information to purposes necessary to provide our services.
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your privacy rights.
• Right to Data Portability: You may request a copy of your personal information in a portable format.

To exercise any of these rights, visit our Privacy Choices page or contact us at support@themoneyschool.com. We will respond to verifiable consumer requests within 45 days (extendable by an additional 45 days when reasonably necessary with prior notice).

7. Opt-Out Mechanisms

We provide the following opt-out mechanisms in compliance with CCPA/CPRA and similar laws:

• Sale/Sharing opt-out: Available at Privacy Choices
• Targeted advertising opt-out: Available at Privacy Choices (disables Google Analytics)
• Sensitive information limit: Available at Privacy Choices
• Email marketing opt-out: Click "Unsubscribe" in any marketing email
• Global Privacy Control (GPC): We honor GPC signals from your browser as a valid opt-out of sale/sharing

8. Data Retention

We retain personal information for as long as your account is active or as needed to provide services, comply with legal obligations, resolve disputes, and enforce our agreements. You may request deletion of your account and associated data at any time by contacting us.

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately.

10. Security

We implement industry-standard security measures including bcrypt password hashing, HTTPS encryption, and secure session management. Payments are processed by Stripe, which is PCI-DSS compliant. However, no method of transmission over the Internet is 100% secure.

11. Changes to This Policy

We may update this Privacy Policy periodically. When we make material changes, we will notify registered users by email or through a prominent notice on our website. The "Last updated" date at the top of this policy indicates when it was last revised.

12. Contact Us

For privacy-related inquiries, requests, or complaints, please contact our Privacy Team:

You may also use our Privacy Choices page to exercise your rights directly online.