Last updated: January 2, 2026
This Privacy Policy explains how ProtectYourMoney.org (the “Website”) collects, uses, and shares information. The Website and Services are operated by Richard Way operating under the ProtectYourMoney brand (“ProtectYourMoney,” “we,” “us,” or “our”).
By using the Website, submitting information, booking Services, making a payment or donation, or attending a session, you agree to this Privacy Policy.
1) Who we are and how to contact us
Operator: Richard Way, operating under the ProtectYourMoney brand (not a limited liability company at this time).
Email: Richard@ProtectYourMoney.org
Phone: +1 269-205-3328
Mailing address: We do not publish a home address. If you need a physical mailing address for legal notices, contact us at the email above and we will provide appropriate delivery details.
2) Platforms we use
Our Website is hosted on the Wix platform. Wix provides the infrastructure and tools that help us operate the Website, including pages, forms, scheduling, and certain analytics and security features. Wix may process information on our behalf in order to provide these services.
We may also use additional third party services for scheduling, email communications, analytics, video conferencing, and payments. These providers may process information as described in this Privacy Policy and under their own policies.
3) Information we collect
A. Information you provide to us
Depending on how you interact with the Website and Services, you may provide:
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Name, email address, phone number, and organization
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Information submitted through contact forms, booking or scheduling requests, and email messages
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Event and logistics details (date, location, audience type, headcount, topics, and requests)
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Communications with us (including messages, questions, and feedback)
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Information you choose to share about fraud or scam concerns or experiences (including during Q&A)
B. Information collected automatically
When you visit the Website, we and our service providers may automatically collect:
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Device and browser information (browser type, operating system, language settings)
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IP address and approximate location (generally city or region level)
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Usage data (pages visited, time spent, links clicked, and referring pages)
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Diagnostic and security data used to protect the Website from fraud, abuse, and attacks
C. Cookies and similar technologies
We and our service providers (including Wix) may use cookies, pixels, tags, and similar technologies to:
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Enable Website functionality and preferences
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Provide security and prevent fraud or abuse
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Understand Website traffic and performance
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Support marketing and advertising if we enable those features
You can control cookies through your browser settings. If you disable cookies, some parts of the Website may not function properly.
D. Virtual sessions and webinars
If you attend a virtual session, we may receive limited information associated with session delivery depending on the platform used, such as:
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Display name and attendance timestamps
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Chat messages, Q&A submissions, and poll responses you submit
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Technical data needed to provide the session (for example connection quality)
We do not intentionally request sensitive personal information during sessions. Please avoid sharing account numbers, passwords, or other highly sensitive details during group sessions.
E. Payments and donations
If you make a payment or donation, transactions are processed by third party payment providers (which may include Wix Payments and its underlying processors depending on your checkout method). We do not store full credit card numbers.
We may receive limited transaction details such as your name, email, billing city and state, amount, date, and a transaction reference.
4) How we use information
We use information to:
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Respond to inquiries and provide requested information
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Schedule, deliver, and improve Services (virtual and in person)
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Send administrative communications about bookings, logistics, and changes
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Provide customer support and respond to requests
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Maintain business records, accounting, and tax documentation
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Improve Website performance, functionality, and content
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Protect the Website and our users from fraud, abuse, and security incidents
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Send marketing communications if you opt in or if permitted by applicable law, and you can unsubscribe at any time
5) How we share information
We may share information in limited circumstances:
A. Service providers
We may share information with service providers who help us operate the Website and deliver Services, such as:
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Wix (website hosting, forms, scheduling, security, and related site tools)
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Payment processors (to process payments and donations)
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Email and communications providers (to send and manage messages)
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Analytics providers (to understand Website traffic and performance)
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Virtual session platforms (to host and deliver virtual sessions)
These providers are permitted to process information only as needed to provide services to us and typically are required to protect it.
B. Legal and safety reasons
We may disclose information if we believe it is necessary to:
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Comply with applicable laws, regulations, lawful requests, subpoenas, or court orders
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Protect our rights, safety, and security or that of others
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Prevent fraud, abuse, or security incidents
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Enforce our agreements
C. Business transfers
If we are involved in a business transition such as a merger, acquisition, or sale of assets, information may be transferred as part of that transaction.
D. We do not sell your personal information
We do not sell your personal information in exchange for money in the ordinary sense of selling personal data.
6) Cookies, analytics, and advertising choice
We may use analytics to understand Website usage and improve content. If we use advertising or retargeting tools, they may use cookies or similar technologies to show ads based on visits to the Website.
You can control cookies through your browser settings. You may also opt out of certain interest based advertising through industry opt out tools provided by third parties.
If you do not run ads or retargeting today, you can keep this section as is. It still stays accurate if you enable marketing later.
7) Email and communications
If you contact us or book Services, we may send you messages about your request, scheduling, or session logistics.
If you subscribe to marketing updates, you can unsubscribe at any time using the link included in our emails. Unsubscribing from marketing does not stop essential messages related to an active booking or request.
8) Data retention
We keep information for as long as reasonably necessary to:
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Provide Services and respond to you
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Maintain business records, accounting, and tax documentation
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Enforce agreements and resolve disputes
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Meet legal obligations
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Protect the Website and users from fraud and abuse
9) Security
We take reasonable steps to protect information. No method of transmission or storage is 100 percent secure, so we cannot guarantee absolute security.
10) Children’s privacy
The Website is not intended for children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child provided personal information, contact us and we will take reasonable steps to delete it.
11) Your choices and rights
Depending on where you live, you may have rights to request access to, correction of, or deletion of certain personal information.
To make a request, contact us using the information in Section 13. We may need to verify your identity before acting on a request.
12) Visitors from different states and outside the United States
We operate in the United States and may work with Clients and Participants located in multiple states. Privacy laws vary by state and certain rights may apply depending on where you live.
13) Changes to this Privacy Policy
We may update this Privacy Policy from time to time. The Effective Date at the top shows when changes take effect. Continued use of the Website after changes means you accept the updated policy.