Margin Money ("we," "us," or "our") provides personal financial coaching services. This Privacy Policy explains what personal information we collect through our website and services (together, the "Service"), how we use and share it, and the choices you have.
Please read this policy before using the Service or sharing personal information with us. By using the Service, you agree to the practices described here. If you do not agree, please do not use the Service.
1. Information we collect
Information you give us
We collect personal information when you fill out a form, book a call, sign up for a resource, become a client, or contact us. Depending on what you share, this may include your name, email address, mobile phone number, mailing address, and details about your income, bills, debts, and goals. When you pay for a program, our payment processor (such as Stripe) handles your payment details under its own terms and privacy policy.
Information collected automatically
When you visit the Service, we and our providers may collect:
- Log data, such as your IP address, browser type, the date and time of your visit, and the pages you view.
- Device information, such as your device type, operating system, and browser.
- Usage information, such as the features you use and how long you stay.
- Cookies and similar tools that help the Site work, remember your preferences, and measure visits.
Analytics and advertising
We use analytics and advertising tools from providers such as Google and Meta, including cookies and pixels. These tools can record the pages you visit, the buttons you click, and when you submit a form or book a call, and they send that information to the provider so we can measure our ads and show ads to people who have visited our site. Google, Meta, and other third parties may use cookies, pixels, and similar tools to collect or receive information from our website and elsewhere on the internet, and use it to measure ads and show targeted ads. We do not send your financial details, such as your income or debts, through these tools. You can manage ads from Meta in your Facebook ad preferences and ads from Google in My Ad Center. You can learn how Google uses data at google.com/policies/privacy/partners, and you can opt out of many ad networks through the Network Advertising Initiative. Most browsers let you block or delete cookies, though some features may not work without them. The Service does not currently respond to "Do Not Track" signals.
Session recordings
We may record some coaching sessions to support your coaching. We will tell you and ask for your consent before recording. Recordings are handled under this policy.
2. How we use your information
We use personal information to:
- Provide your coaching, including reviewing your financial information to build your plan.
- Schedule and confirm appointments and respond to your questions.
- Send you service messages, such as reminders and updates to our terms or policies.
- Send you resources and offers you asked for, which you can unsubscribe from at any time.
- Understand how the Service is used and improve it.
- Prevent fraud, keep our systems secure, and meet our legal obligations.
We may also create aggregated or de-identified information that cannot reasonably identify you and use it to improve our Service.
3. Text messages
If you agree to receive text messages, we use your mobile number to send appointment reminders, coaching updates, and related messages. Message frequency varies, and message and data rates may apply. Reply STOP to opt out or HELP for help. We do not sell, rent, or share your mobile phone number or text messaging consent with third parties or affiliates for their marketing or promotional purposes. Text messaging opt-in data and consent are never shared with anyone except the providers who help us deliver the messages.
4. How we share information
We do not sell your personal information. The financial details you share in coaching are kept confidential. We share personal information only as follows:
- Service providers that help us run our business, such as hosting, scheduling, email and text delivery, payment processing, and analytics. They may use your information only to provide their services to us.
- Legal requirements, when needed to comply with the law, respond to legal process, enforce our terms, or protect our rights and the safety of others.
- Business transfers, if we are involved in a merger, acquisition, or sale of assets.
- With your consent, such as when you ask us to refer you to another professional.
5. How long we keep information
We keep personal information only as long as needed for the purposes in this policy, to meet legal requirements, or for legitimate business needs.
6. Your choices
You can ask us to access, correct, or delete your personal information, and you can unsubscribe from marketing emails at any time with the link in each email. Some information is needed to provide coaching, so choosing not to share it may limit what we can do for you.
7. Children
The Service is not meant for anyone under 18, and we do not knowingly collect information from minors. If you believe a child has shared information with us, please contact us so we can delete it.
8. Security
We use reasonable administrative, technical, and physical safeguards to protect your information. No system is completely secure, so please use care when sending information online.
9. Other websites
The Service may link to websites or tools we do not run. Their own privacy policies apply, so please review them directly.
10. Changes to this policy
We may update this policy from time to time. Changes will be posted on this page with a new "Last updated" date. Your continued use of the Service after an update means you accept the revised policy.
11. Contact us
If you have questions about this policy or how we handle your information, please contact us: