Privacy Policy

Your privacy is very important to us. We want to make your experience on the Internet as enjoyable and rewarding as possible, and we want you to use the internet’s vast array of information, tools, and opportunities with complete confidence.

To ensure your privacy policy complies with the Federal Trade Commission (FTC) guidelines, the Fair Credit Reporting Act (FCRA), the General Data Protection Regulation (GDPR), and the California Consumer Privacy Act (CCPA), it should encompass the following key elements:

Effective Date: 01/27/2025

1. Introduction

Welcome to MyMoneyEDU LLC. We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your data in compliance with applicable laws and regulations, including the Federal Trade Commission (FTC) guidelines, the Fair Credit Reporting Act (FCRA), the General Data Protection Regulation (GDPR), and the California Consumer Privacy Act (CCPA).

2. Information We Collect

We collect the following types of personal information:

  • Contact Information: Name, email address, phone number.
  • Financial Information: Soft credit data, wallet balance, and unsecured credit line approvals (collected in compliance with FCRA regulations).
  • Usage Data: Information about how you use our services, including interaction data and preferences.

3. How We Collect Information

We collect information through:

  • Direct Interactions: When you provide information by filling out forms or communicating with us.
  • Automated Technologies: Through cookies and similar tracking technologies as you interact with our website.
  • Third Parties: From partners and service providers who assist us in delivering our services.
  • Credit Pre-Screening: We may collect financial data through a soft credit pull authorized under the FCRA for the purpose of determining financial qualifications.

4. Purpose of Data Processing

We process your personal information for the following purposes:

  • Service Delivery: To provide and manage our services effectively.
  • Personalization: To tailor our services to your preferences.
  • Communication: To send updates, newsletters, and marketing materials, where permitted.
  • Compliance: To adhere to legal obligations, including FCRA compliance for credit pre-screening.

5. Legal Basis for Processing (GDPR Compliance)

Our legal grounds for processing personal data include:

  • Consent: When you have given explicit consent for specific purposes.
  • Contractual Necessity: To fulfill our contractual obligations to you.
  • Legal Obligation: To comply with legal and regulatory requirements, including FCRA mandates.
  • Legitimate Interests: For purposes such as improving our services, provided these interests are not overridden by your rights.

6. Consumer Rights

Under GDPR:

  • Access: You have the right to request access to your personal data.
  • Rectification: You can request correction of inaccurate data.
  • Erasure: You have the right to request deletion of your data.
  • Restriction: You can request the restriction of processing under certain conditions.
  • Data Portability: You have the right to receive your data in a structured, commonly used format.
  • Objection: You can object to processing based on legitimate interests.

Under CCPA:

  • Right to Know: You can request disclosure of the categories and specific pieces of personal information we have collected.
  • Right to Delete: You can request deletion of your personal information.
  • Right to Opt-Out: You can opt-out of the sale of your personal information.
  • Non-Discrimination: You have the right not to be discriminated against for exercising your CCPA rights.

Under FCRA:

  • Access to Credit Data: You can request information about your credit data collected during the pre-screening process.
  • Dispute Inaccuracies: You have the right to dispute any inaccuracies in your credit information and request corrections.
  • Purpose Disclosure: We conduct soft credit pulls strictly for the purpose of financial qualification, as permitted by FCRA regulations.

To exercise these rights, please contact us at support@mymoneyedu.com.

7. Data Sharing and Disclosure

We may share your personal information with:

  • Service Providers: Third parties who assist us in providing our services.
  • Legal Obligations: Authorities when required by law or to protect our rights.
  • Business Transfers: In connection with mergers, acquisitions, or asset sales.

Soft credit pull data is shared only with authorized entities in compliance with FCRA regulations.

8. Data Retention

We retain personal information only as long as necessary to fulfill the purposes for which it was collected, including legal, accounting, or reporting requirements. FCRA data is retained securely for the duration required by law.

9. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction, in compliance with FTC, GDPR, CCPA, and FCRA standards.

10. International Data Transfers (GDPR Compliance)

If we transfer personal data outside the European Economic Area (EEA), we ensure appropriate safeguards are in place, such as Standard Contractual Clauses or adequacy decisions.

11. Children's Privacy

Our services are not directed to individuals under 16. We do not knowingly collect personal information from children under 16.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on our website.

14. Mobile Information 

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing with subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties

13. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

MyMoneyEDU LLC
1100 Peachtree St. NE Ste. 200
Atlanta, Georgia 30309
Email: support@mymoneyedu.com
Phone: 1-800-835-0863

We have created this Privacy Policy to demonstrate our firm commitment to privacy and security. This Privacy Policy describes how our company collects information from all end users of our Internet Services (the “Services”) – those who access some of our Services but do not have accounts (“Visitors”) as well as those who may purchase Products and/or pay a monthly service fee to subscribe to the Service (“Subscribers”) – what we do with the information we collect, and the choices Visitors and Subscribers have concerning the collection and use of such information. We request that you read this Privacy Policy carefully.

Although we take appropriate measures to safeguard against unauthorized disclosures of information, we cannot assure you that personally identifiable information that we collect will never be disclosed in a manner that is inconsistent with this Privacy Policy.

However, in instances where our company and a partner jointly promote our Services, we may provide the partner certain personal information, such as the name, address, and username of persons who subscribed do the Services as a result of the joint promotion for the purpose of offering you other products and services.

In this instance, personal information may not be used by the partner for any other purpose. We may also generate non-identifying and aggregate profiles from personal information Subscribers provide during registration (such as the total number, but not the names, of Subscribers). 

Our Company Partners and Sponsors Some products and services may be offered to Visitors and Subscribers in conjunction with an affiliate, independent contractor seller or non-affiliated partner. To provide Visitors and Members some of these products and services, the partner may need to collect and maintain personal information.

Online Shopping At some web sites, you can purchase products and services or register to receive materials, such as a newsletter, catalog or new product and service updates. In many cases, you may be asked to provide contact information, such as your name, address, email address, phone number, and credit/debit card information.

If you complete an order for someone else, such as an online gift order sent directly to a recipient, you may be asked to provide information about the recipient, such as the recipient’s name, address, and phone number. Our company has no control over the third parties’ use of any personal information you provide when placing such an order. Please exercise care when doing so.

Responses to Email Inquiries When Visitors or Subscribers send email inquiries to our company, the return email address is used to answer the email inquiry we receive.

Voluntary Customer Surveys We may periodically conduct both business and individual customer surveys. We encourage our customers to participate in these surveys because they provide us with important information that helps us to improve the types of products and services we offer and how we provide them to you.

We may take the information we receive from individuals responding to our Customer Surveys and combine (or aggregate) it with the responses of other customers we may have, to create broader, generic response to the survey questions (such as gender, age, residence, hobbies, education, employment, industry sector, or other demographic information). We then use the aggregated information to improve the quality of our services to you, and to develop new services and products. 

Promotions Our company may offer polls, contests, sweepstakes, drawings, games, content, or other promotions that are sponsored by or co-branded with third parties. You may be entered in a sweepstakes, contest, or other promotion, simply by making a purchase from us or by providing us with personally identifiable information for some other reason or purpose. Due to these third party relationships, the third parties may obtain personally identifiable information that visitors voluntarily submit to our company. Our company has no control over third parties’ use of this information.

Additionally, personally identifiable information may be collected when you order products, enter contests, vote in polls or otherwise express an opinion, subscribe to one of our Services such as our online newsletters, or participate in one of our online forums or communities. The types of personally identifiable information that may be collected at these pages include but may not be limited to: name, address, e-mail address, telephone number, fax number, credit card information, and information about your interests in and use of various products, programs, and services. Our sponsors or third parties may send you material that relates to our company’s services, products or activities.

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Also, we may disclose personal information about Visitors or Subscribers, or information regarding your use of the Services or web sites accessible through our Services, for any reason if, in our sole discretion, we believe that it is reasonable to do so, including: credit agencies, collection agencies, merchant database agencies, law enforcement, or to satisfy laws, such as the Electronic Communications Privacy Act, the Child Online Privacy Act, regulations, or governmental or legal requests for such information; to disclose information that is necessary to identify, contact, or bring legal action against someone who may be violating our Terms of Use and Service, or other user policies; to operate the Services properly; or to protect our company and our Subscribers.

Browser Level Information MyMoneyEDU.com web servers may automatically collect information about a site user’s IP address, browser type and the URL that you just came from (whether this URL is on the website or not) and which URL you next go to (whether this URL is on the website or not) by reading this information from the user’s browser (information provided by every user’s browser). This information is collected in a database and used – in an aggregated, anonymous manner – in our internal analysis of traffic patterns within our website. This information is automatically logged by most websites. The Elevation Group, Inc. may also use a third party to collect information, including through the use of web beacons.

Our company does not maintain a process for an individual consumer who uses or visits our commercial web site or online service to review and request changes to any of his or her personally identifiable information that is collected through our website or online service.

See the section below entitled “Revisions to this Policy” for a description of the process by which our company notifies consumers who use or visit our commercial web site or online service of material changes to our company’s privacy policy for this web site or online service.

The effective date of this privacy policy is listed at the end of this privacy policy under the heading, “Last updated.”

For the purposes of this policy and California compliance the following definitions apply:

Depending on the visitor’s activity, in our commercial web site or online service, the following “personally identifiable information” may be collected, in addition to information set forth in other sections of this document.

The term “personally identifiable information” mans individually identifiable information about an individual consumer collected online by our company from an individual and maintained by our company in an accessible form, and may include any of the following:

  1. A first and last name.
  2. A home or other physical address, including street name and name of a city or town.
  3. An e-mail address.
  4. A telephone number.
  5. A social security number.
  6. Any other identifier that permits the physical or online contacting of a specific individual.
  7. Information concerning a user that the web site or online service collects online, from the user, and maintains in personally identifiable form, in combination with an identifier described within this privacy policy.

“Cookies” and How Our Company Uses Them A “cookie” is a small data file that can be placed on your hard drive when you visit certain websites. Our company may use cookies to collect, store, and sometimes track information for purposes stated herein as well as for statistical purposes to improve the products and services we provide and to manage our telecommunications networks.

Most website browsers automatically accept cookies, but you can usually change your browser settings to display a warning before accepting a cookie, or to refuse all cookies. However, if you choose to disable the receipt of cookies from our website, you may not be able to use certain features of the site. Visit www.aboutcookies.org to learn about how to delete and control cookies using the mail browser types.

Advertisers and partners may also use their own cookies. We do not control use of these cookies and expressly disclaim responsibility for information collected through them.

Our Company Commitment to Children’s Privacy Protecting children’s privacy is especially important to us. It is our policy to comply with the Children’s Online Privacy Protection Act of 1998 and all other applicable laws. Therefore we restrict our web site to persons eighteen years or older.

YOU MUST BE EIGHTEEN (18) YEARS OR OLDER TO ACCESS THIS WEB SIT. IF YOU ARE UNDER EIGHTEEN YEARS OF AGE, YOU ARE NOT PERMITTED TO ACCESS THIS WEB SITE FOR ANY REASON. DUE TO THE AGE RESTRICTIONS FOR USE OF THIS WB SITE, NO INFORMATION OBTAINED BY THIS WEB SITE FALLS WITHIN THE CHILDREN’S ONLINE PRIVACY PROTECTION ACT AND IS NOT MONITORED AS DOING SO.

Public Forums Please remember that any information you may disclose in any Subscriber Directory, or other public areas of our web sites or the internet, becomes public information. You should exercise caution when deciding to disclose personal information in these public areas.

Where to Direct Questions about Our Privacy Policy If you have any questions about this Privacy Policy or the practices described herein, you may contact us through the contact information provided on this web site.

Revisions to This Policy Our company reserves the right to revise, amend, or modify this policy, our Terms of Use and Service, and our other policies and agreements at any time and in any manner, by updating this posting. Your use of this site after such changes are implemented constitutes your acknowledgement and acceptance of there changes. Please consult this privacy statement prior to every use for any changes.