Privacy Policy

1. Who We Are

TrueMoneyTalk (“we”, “us”, “our”) operates the website truemoneytalk.com. This Privacy Policy explains how we collect, use, store, and protect your personal information when you visit our site, purchase a product, or use our services.

2. Information We Collect

📝 Information you provide directly

• Account info: name, email, username, password (encrypted)
• Order info: billing address, payment details (processed by our payment partners — we never store credit card numbers)
• Communication: messages you send via contact form, email, or chat
• Coaching forms: niche, goals, current income (only if you book a coaching call)
• Comments: any blog comments you submit (name, email, IP address, browser info)

📊 Information collected automatically

• Device & browser data: IP address, browser type, operating system, device type
• Usage data: pages visited, time on site, referring URL, clicks (via Google Analytics)
• Cookies: see our Cookie Policy section below

🤝 Information from third parties

If you log in via Google, Facebook, or other social accounts, we may receive your name, email, and profile picture. Payment processors (NOWPayments, Payoneer) share transaction confirmations with us.

3. How We Use Your Information

• 📦 Process orders and deliver digital products / account credentials
• 💼 Schedule and conduct coaching sessions
• 📧 Send transactional emails (receipts, login info, support replies)
• 📬 Send marketing emails (newsletter, new content) — only if you opt in
• 📈 Improve our website and content based on usage analytics
• 🛡️ Prevent fraud, abuse, and unauthorized access
• ⚖️ Comply with legal obligations (tax records, court orders)

4. Legal Basis (GDPR)

If you are in the European Economic Area (EEA), our legal basis for processing your data is:

• Contract: when you purchase a product or service
• Consent: when you opt in to marketing emails or cookies
• Legitimate interest: for fraud prevention, analytics, and improving our services
• Legal obligation: when required by law

5. Cookies & Tracking

We use cookies and similar technologies to:

• Essential cookies: remember your login, cart contents, language preference
• Analytics cookies: Google Analytics 4 (anonymized IP)
• Marketing cookies: Facebook Pixel, Pinterest Tag (only with your consent)

You can manage or disable cookies through your browser settings. Disabling essential cookies may affect site functionality.

6. Sharing Your Information

We never sell your personal data. We share information only with:

• Payment processors (NOWPayments, Payoneer) — to process transactions
• Email service (MailerLite) — to send transactional and marketing emails
• Hosting provider — to operate our website
• Analytics (Google Analytics) — anonymized usage data only
• Legal authorities — only when legally required by valid court order or law

7. Data Retention

• Account data: as long as your account is active + 2 years after closure
• Order records: 7 years (for tax & accounting compliance)
• Email subscriptions: until you unsubscribe
• Comments: indefinitely (you can request deletion)
• Analytics data: 26 months (Google Analytics default)

8. Your Rights

Depending on your location, you have the right to:

• 📥 Access the personal data we hold about you
• ✏️ Correct inaccurate or incomplete data
• 🗑️ Delete your personal data (“right to be forgotten”)
• 📤 Export your data in a portable format
• ⛔ Object to certain types of processing
• 🛑 Withdraw consent for marketing or analytics at any time
• 📞 Lodge a complaint with your local data protection authority

To exercise any of these rights, email us at privacy@truemoneytalk.com. We respond within 30 days.

9. Data Security

We implement industry-standard security measures including:

• 🔐 SSL/TLS encryption for all data in transit (HTTPS)
• 🛡️ Secure password hashing (bcrypt)
• 🔒 Regular security audits and software updates
• 🚫 Limited employee access on a need-to-know basis
• 💾 Encrypted database backups

However, no method of internet transmission is 100% secure. While we do our best, we cannot guarantee absolute security.

10. Children’s Privacy

Our services are not intended for children under 18. We do not knowingly collect data from children under 18. If you believe we have collected such data, please contact us immediately and we will delete it.

11. International Data Transfers

Your data may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place (Standard Contractual Clauses for EEA transfers) to protect your data in line with this Privacy Policy.

12. Third-Party Links

Our website contains links to third-party sites (e.g. affiliate links, social media). We are not responsible for the privacy practices of those sites. We encourage you to review their privacy policies.

13. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated via email or a prominent notice on our site. The “Last updated” date at the top reflects the most recent version.

14. Contact Us