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Effective Date: November 1, 2022
This Website Privacy Policy explains the privacy practices governing the types of information collected through the website (https://moneyguy.com) (the “Site”) owned and operated by 88 Times Over, LLC (“Company”, “we,” “our” or “us”), our use of that information, and your privacy choices and rights.
This Website Privacy Policy applies to the information we collect from or about you from:
You must read this Website Privacy Policy carefully because when you use the Site, you are consenting to the collection, processing, and retention of your information as described in this Website Privacy Policy. If you have questions about the Website Privacy Policy, you can contact us at [email protected].
If you do not agree with any part of this Website Privacy Policy, you may not use the Site.
If you are in the European Economic Area, and you use this site, you consent and permit to the transfer of your data from the European Economic Area to the United States only for purposes laid out in this Website Privacy Policy.
We collect information that falls into two categories: information you voluntarily provide, and information that your computer, mobile phone, tablet, or other device (all referred to as “Device”) or browser provides automatically.
When you interact with our Site, we, or our service providers (acting on our behalf), collect “Personal Information” — information that relates to you as an identifiable individual — that you intentionally and actively provide to us, such as your first and last name, address, email address, and when necessary, credit card or bank information. We collect this information when you:
We may collect content you make available through social media accounts or memberships with third parties if you choose to create an account using a social media login.
When you browse our Site, we also automatically receive your computer’s internet protocol (IP) address as well as other information that helps us learn about your browser and operating system (“Usage Information”). Usage Information includes your Device type, your unique Device identifier, your location, and the type of browser software and operating system you are using.
We, and/or our third party service providers, use “cookies” (data files placed on a Device when it is used to visit our Site) and other identifiers to collect Usage Information, for security purposes, to enable you to use the Site, to collect information regarding your preferences, to allow you to share content via social media when you are logged in to a particular platform, to deliver relevant advertising to you, and to generally make the Site perform better.
For example, we use a tool called “Google Analytics” to collect information about visitors’ use of this Site. Google Analytics collects information such as how often users visit this Site, how users find the Site, and what pages they visit. We use the information we get from Google Analytics to improve this Site. Although Google Analytics plants a permanent cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google. To opt-out of Google Analytics, please use Google’s opt-out tool: https://tools.google.com/dlpage/gaoptout.
You can opt out of cookies, but if you do, some features of the Site may not work correctly. To learn how to reduce the number of cookies you receive or delete cookies that have already been installed in your browser’s cookie folder, you can check your browser’s help menu or other instructions related to your browser. (For example, Safari has a help article entitled “Manage cookies and website data in Safari on Mac,” and Firefox currently has a variety of optional security features, including blocking cross-site tracking cookies and sending websites a “Do Not Track” signal that you don’t want to be tracked.)
The Site also contains “web beacons” or clear GIFs, or similar technologies, which are small pieces of code placed on a web page or in an email, to monitor the behavior and collect data about the visitors viewing a web page or email. For example, web beacons may be used to count the users who visit a web page or to deliver a cookie to the browser of a visitor viewing that page. Web beacons may also be used to provide information on the effectiveness of our email campaigns (e.g., open rates, clicks, forwards, etc.).
The Site will also feature social buttons from networks such as Facebook, Twitter, YouTube, TikTok, and Instagram. To do so we embed code that they provide. We do not control that code ourselves. In order to function, their buttons generally know if you’re logged in. We do not have any access to that information, nor can we control how those networks use it.
If you access the Site via a mobile app, we use additional identifiers, such as the advertising ID provided by Apple or Android, for similar purposes.
We use the Personal Information we collect about and from you:
While we rely on your consent as a legal basis for collecting and processing your information, if you consent to a particular use of your information and you ultimately change your mind, you may withdraw your consent at any time by contacting us at [email protected] or sending us physical mail at the address below.
If you no longer wish to receive email marketing communications, you may use the unsubscribe tool located at the bottom of that communication. If you withdraw your consent, we will not use your information going forward.
We share your Personal Information with other service providers that we have engaged to perform business-related functions for us (“Service Providers“). This includes service providers that:
These Service Providers may use your Personal Information to help us perform necessary actions that support those activities.
Our online store is hosted on Kajabi., which provides us with an e-commerce platform to sell our products and services. If you choose to pay with a credit card to complete your purchase, then Kajabi stores your credit card data. We do not have access to your full credit card information. You can read more about how Kajabi uses your Personal Information here: https://kajabi.com/policies.
We will share your Personal Information if we are acquired or purchased by, or merge with, another company, or if we otherwise reorganize our business. However, if that happens, any acquirer of that information will be subject to the provisions of our commitments to you in this Privacy Policy!
We may transfer and disclose information, including your Personal Information, to third parties to comply with a legal obligation or subpoena, when we believe in good faith that the law requires it, at the request of governmental authorities conducting an investigation, to verify or enforce our Terms of Use, Privacy Policy or other applicable policies, to respond to an emergency, or otherwise to protect the rights, property, safety, or security of the Site, third parties, visitors to the Site, or the public.
You may always direct us not to share your Personal Information with third parties, not to use your Personal Information to provide you with information or offers, to delete information we have collected and maintained about you, or not to send you emails or other communications by:
If you wish to verify, correct, or update any of your Personal Information collected through the Site, or request access to all information that we have collected and maintain about you, you may contact us at the email or address included in the Contact Us section below. In accordance with our routine record keeping, we may delete certain records that contain Personal Information that you have submitted through the Site. We are under no obligation to store such Personal Information indefinitely and disclaim any liability arising out of, or related to, the destruction of such Personal Information. In addition, you should be aware that it is not always possible to completely remove or delete all of your information from our databases without some residual data because of backups or other technology-related reasons.
If you are in the European Economic Area, you have certain rights related to the Personal Information we hold about you:
In addition, if you are in the European Economic Area and you have any complaints about how we use your Personal Information, you have the right to lodge a complaint with the data protection authority in your country. A list of data protection authorities is available at http://ec.europa.eu/newsroom/article29/item-detail.cfm?item_id=612080.
For further information on each of the above-mentioned rights, including the circumstances in which they apply, see the Guidance from the UK Information Commissioner’s Office (ICO) on individual rights under the General Data Protection Regulation.
The Site is governed by and operated in accordance with the laws of the United States. We make no representation that the Site is governed by or operated in accordance with the laws of any other nation. If you are located in the European Union, Canada or elsewhere outside of the United States, please be aware that information we collect may be transferred to and processed in the United States. The laws of the United States may not protect the privacy of your information at the same level as provided by the laws of your country. We transfer and process Personal Information only as permitted under this Privacy Policy.
California residents are entitled once a year, free of charge, to request and obtain a list of all third parties to whom their personally identifiable information was provided for their direct marketing purposes in the preceding calendar year (e.g., requests made in 2017 will receive information about 2016 sharing activities). Company does not disclose any user information to third parties for third party marketing purposes, so we are not required to comply with this law. OR We comply with this law by giving users the ability to tell us not to share personally identifiable information with third parties for their direct marketing purposes. To make such a request, send an email to [email protected]. Company may need additional information to process your request.
The California Consumer Protection Act (or “CCPA”) has additional protections for California residents. Though Company does not buy or sell Personal Information of any of its users, Company will honor the request of any California resident that makes any of the following requests:
The Site may contain links to other websites, maintained by third parties. These links are provided only as a convenience to you. Company has no control over, and is not responsible for any content, products or services offered by or found on third party sites, or their privacy policies or practices. Links to third party sites do not constitute Company’s assumption of liability for or sponsorship, endorsement or approval of these sites or the content contained on these sites. The information practices on those websites may be different from ours and are not covered by this Privacy Policy. Please consult the privacy notices on those websites to learn more about their practices.
We do not knowingly collect information from children under 13 years of age. If we learn that a child under the age of 13 has provided us with any Personal Information without first receiving their parent or guardian’s verified consent, we will use that information only to respond directly to that child (or his or her parent or legal guardian) to inform the child that he or she cannot use the Site. We will then dispose of such Personal Information in accordance with this Privacy Policy. If you believe we may have any information from or about a child under the age of 13, please contact us at [email protected].
We will generally store information associated with your account until it is no longer necessary to provide services to you, until you ask us to delete it, or until your account is deleted, whichever comes first; but there are some exceptions to this general rule. We will retain information from deleted accounts to comply with the law, prevent fraud, collect fees, resolve disputes, troubleshoot problems, assist with investigations, process warranty claims, distribute important product information (such as recall information), enforce our agreements, and take other actions permitted by law.
You can request deletion of your Personal Information at any time by contacting us using the contact details set out below. Note: If you request that data we maintain about you be deleted or erased, no one (neither us nor you) will be able to recover that information later.
We take seriously our obligation to safeguard the confidentiality, security and integrity of personal information collected from our users. As you can see, the Site uses an SSL (or “secure sockets layer”) certificate, which provides secure, encrypted communications between a website and internet browser. We also have appropriate security measures in place to prevent Personal Information from being accidentally lost or used or accessed in an unauthorized way, such as two-way authentication and use of encryption where possible. We limit access to your Personal Information to those who have a genuine business need to know it. You should be aware, however, that no system is completely secure from hackers and network failure and error, and we cannot guarantee the confidentiality, security and integrity of information maintained on our Site for that reason.
In other words, although we will use all reasonable efforts to safeguard the confidentiality of your Personal Information, we cannot guarantee that your information will always be secure.
Email is not a secure form of communication. Please do not send us your credit card number, social security number or other Personal Information via email.
We have procedures in place to deal with any suspected data security breach. We will notify you and any applicable regulator of a suspected data security breach where we are legally required to do so.
We may update and post revisions to this Privacy Policy from time to time and will update the Effective Date when we do so. If our Privacy Policy changes in a way that significantly affects how we handle your Personal Information, we will not use the Personal Information we currently maintain without providing you notice or obtaining your consent, where appropriate. We encourage you to review this page for the latest information about our privacy practices.
If you have any questions or concerns about this Website Privacy Policy, please contact us by email at [email protected] or write us at:
88 Times Over, LLC
317 Main Street #201
Franklin, TN 37064
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