Privacy Policy

Effective Date: 04/1/2025

1. INTRODUCTION

Money Master HQ, operated by SS Coaching, LLC ("Company," "we," "us," or "our"), respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at moneymasterhq.com and all its subdomains and sub-pages (collectively, the "Website"), including any content, functionality, and services offered on or through the Website.

Please read this Privacy Policy carefully. If you do not agree with the terms of this Privacy Policy, please do not access the Website.

2. INFORMATION WE COLLECT

We collect several types of information from and about users of our Website, including:

2.1 Personal Data

Personal Data refers to information that identifies you or makes you identifiable. We may collect the following types of Personal Data:

Identity Data: Includes first name, last name, username or similar identifier, title, date of birth, and gender.
Contact Data: Includes billing address, delivery address, email address, and telephone numbers.
Financial Data: Includes bank account and payment card details, as well as financial information you choose to share with our AI tools.
Transaction Data: Includes details about payments to and from you and other details of products and services you have purchased from us.
Technical Data: Includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access this Website.
Profile Data: Includes your username and password, purchases or orders made by you, your interests, preferences, feedback, and survey responses.
Usage Data: Includes information about how you use our Website, products, and services.
Marketing and Communications Data: Includes your preferences in receiving marketing from us and our third parties and your communication preferences.

2.2 Special Categories of Personal Data

When you use our AI-powered financial tools, you may choose to provide financial information that could be considered sensitive. This may include:

Income details
Expense information
Investment portfolio data
Debt information
Business financial statements
Tax-related information

We process this information only with your explicit consent and solely for the purpose of providing our AI-powered financial analysis and recommendations.

2.3 Non-Personal Data

We also collect non-personal data that does not directly or indirectly reveal your identity or directly relate to an identifiable individual. This may include:

Statistical or aggregated information
Anonymous usage data
General demographic information
De-identified and anonymized data

3. HOW WE COLLECT YOUR INFORMATION

We use different methods to collect data from and about you, including:

3.1 Direct Interactions

You may provide us with your Personal Data when you:

Register for an account
Subscribe to our services
Request information
Fill out forms on our Website
Provide feedback
Upload financial data to our AI tools
Correspond with us

3.2 Automated Technologies or Interactions

As you navigate through our Website, we may automatically collect Technical Data about your equipment, browsing actions, and patterns. We collect this data by using cookies, server logs, and other similar technologies. Please see our Cookie Policy for further details.

3.3 Third Parties or Publicly Available Sources

We may receive Personal Data about you from various third parties and public sources, such as:

Analytics providers
Advertising networks
Search information providers
Identity verification services
Payment processors

4. HOW WE USE YOUR INFORMATION

We will only use your Personal Data when the law allows us to. Most commonly, we will use your Personal Data in the following circumstances:

4.1 Provide and Maintain our Services

To register you as a new customer
To process and deliver your subscription
To manage your account and provide you with customer support
To provide you with the AI-powered financial tools and services
To personalize your experience and deliver content relevant to your interests

4.2 Improve and Develop our Services

To administer and protect our business and this Website
To perform data analysis, testing, and research
To improve our Website, products/services, marketing, and customer relationships
To develop new products, services, features, and functionality

4.3 Communications and Marketing

To communicate with you about your account, subscription, or transactions
To provide you with updates, security alerts, and support messages
To inform you about changes to our terms, conditions, and policies
To deliver relevant website content and advertisements to you
To measure or understand the effectiveness of the advertising we serve to you

4.4 AI-Powered Financial Tools

When you use our AI-powered financial tools, we process your financial data to:

Generate financial analyses and insights
Provide personalized recommendations
Create forecasts and projections
Identify potential cost-saving opportunities
Suggest investment or debt management strategies

4.5 Legal and Safety Reasons

To comply with legal obligations
To enforce our terms, conditions, and policies
To prevent potentially prohibited or illegal activities
To protect the safety of our users, ourselves, or others

This processing is performed using automated means, including artificial intelligence and machine learning algorithms.

5. DISCLOSURE OF YOUR INFORMATION

We may share your Personal Data with the following categories of recipients:

5.1 Service Providers

We may share your information with third-party vendors, service providers, contractors, or agents who perform services for us or on our behalf and require access to such information to do that work. Examples include:

Payment processors
Cloud service providers
Analytics providers
Email service providers
Customer support services

5.2 Business Transfers

If we are involved in a merger, acquisition, financing, reorganization, bankruptcy, or sale of company assets, your information may be transferred as part of that transaction.

5.3 Legal Requirements

We may disclose your information where we are legally required to do so in order to comply with applicable law, governmental requests, a judicial proceeding, court order, or legal process.

5.4 Protection of Rights

We may disclose your information where we believe it is necessary to investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, situations involving potential threats to the safety of any person, or as evidence in litigation.

5.5 With Your Consent

We may share your Personal Data with third parties when you have given us your consent to do so.

6. INTERNATIONAL TRANSFERS

We are based in the United States and process data both within and outside the United States. If you are accessing our Website from outside the United States, please be aware that your information may be transferred to, stored, and processed by us and our service providers in the United States and other countries.

If you are a resident of the European Economic Area (EEA), United Kingdom, or Switzerland, we ensure that any transfer of your Personal Data to countries outside these regions is done in accordance with applicable data protection laws, including through the implementation of appropriate safeguards such as standard contractual clauses approved by the European Commission.

7. DATA SECURITY

We have implemented appropriate technical and organizational security measures designed to protect the security of any Personal Data we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure.

8. DATA RETENTION

We will only retain your Personal Data for as long as necessary to fulfill the purposes for which we collected it, including for the purposes of satisfying any legal, accounting, or reporting requirements.

To determine the appropriate retention period for Personal Data, we consider:

The amount, nature, and sensitivity of the Personal Data
The potential risk of harm from unauthorized use or disclosure
The purposes for which we process your Personal Data
Whether we can achieve those purposes through other means
The applicable legal requirements

In some circumstances, we may anonymize your Personal Data so that it can no longer be associated with you, in which case we may use such information without further notice to you.

9. YOUR DATA PROTECTION RIGHTS

Depending on your location, you may have the following data protection rights:

9.1 For Residents of the European Economic Area, United Kingdom, and Switzerland

Right to access: You have the right to request copies of your Personal Data.
Right to rectification: You have the right to request that we correct any information you believe is inaccurate or complete information you believe is incomplete.
Right to erasure: You have the right to request that we erase your Personal Data, under certain conditions.
Right to restrict processing: You have the right to request that we restrict the processing of your Personal Data, under certain conditions.
Right to object to processing: You have the right to object to our processing of your Personal Data, under certain conditions.
Right to data portability: You have the right to request that we transfer the data we have collected to another organization, or directly to you, under certain conditions.

9.2 For California Residents

Under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), California residents have specific rights regarding their Personal Data:

Right to know: You have the right to request information about the categories and specific pieces of Personal Data we have collected about you, the sources from which we collected the Personal Data, our purposes for collecting the Personal Data, and the categories of third parties with whom we share the Personal Data.
Right to delete: You have the right to request the deletion of your Personal Data that we have collected from you, subject to certain exceptions.
Right to opt-out of sales and sharing: You have the right to opt-out of the sale of your Personal Data and the sharing of your Personal Data for cross-context behavioral advertising.
Right to limit use of sensitive personal information: You have the right to limit the use and disclosure of sensitive Personal Data.
Right to non-discrimination: You have the right not to be discriminated against for exercising your CCPA rights.

9.3 For All Users

Regardless of your location, you can:

Update your account information: You can update your account and profile information through your account settings.
Opt-out of marketing communications: You can opt-out of marketing communications by following the unsubscribe instructions included in our marketing communications.
Cookies and similar technologies: You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. Please see our Cookie Policy for more information.

To exercise any of these rights, please contact us using the contact information provided at the end of this Privacy Policy.

10. CHILDREN'S PRIVACY

Our Website is not intended for children under 18 years of age. We do not knowingly collect Personal Data from children under 18. If you are a parent or guardian and you believe your child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

11. THIRD-PARTY WEBSITES

Our Website may contain links to third-party websites and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our Website, we encourage you to read the privacy policy of every website you visit.

12. AI-SPECIFIC PRIVACY CONSIDERATIONS

12.1 AI Data Processing

Our AI-powered financial tools process your financial data to provide personalized insights and recommendations. This processing involves:

Analyzing patterns in your financial data
Comparing your data with anonymized benchmarks
Generating forecasts based on historical trends
Identifying potential financial opportunities or risks

12.2 AI Training

We may use anonymized and aggregated data to improve our AI models. This process does not use your Personal Data in a way that identifies you. We implement technical safeguards to ensure that your Personal Data is properly anonymized before being used for AI training purposes.

12.3 Automated Decision-Making

Our AI tools may make automated recommendations based on your financial data. However, these recommendations are intended to be educational and informational only. We do not make solely automated decisions that have legal or similarly significant effects on you without human oversight.

12.4 AI Transparency

We strive to make our AI processes transparent. If you have questions about how our AI tools process your data or how we reached a particular recommendation, please contact us.

13. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time. The updated version will be indicated by an updated "Last Updated" date and the updated version will be effective as soon as it is accessible. If we make material changes to this Privacy Policy, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this Privacy Policy frequently to be informed of how we are protecting your information.