Legal

Privacy Policy

Last Updated: February 23, 2026

Money Smarts, LLC

Colorado, USA 80550

privacy@money-smarts.com • (970) 436-0580

Table of Contents

  1. 1. Introduction
  2. 2. Information We Collect
  3. 3. Children's Privacy (COPPA Compliance)
  4. 4. How We Use Your Information
  5. 5. Information Sharing and Disclosure
  6. 6. Data Security
  7. 7. Your Rights and Choices
  8. 8. Data Retention
  9. 9. International Data Transfers
  10. 10. Third-Party Links
  11. 11. Changes to This Privacy Policy
  12. 12. Contact Information
  13. 13. Specific Platform Disclosures

1. Introduction

Money Smarts, LLC ("Money Smarts," "we," "us," or "our") operates multiple digital platforms including money-smarts.com, moneysmarts.org, moneysmarts.news, and moneysmarts.tv (collectively, the "Services"). This Privacy Policy describes how we collect, use, disclose, and protect personal information across all our platforms, including educational games, media content, certification programs, and professional consulting services.

We are committed to protecting your privacy and complying with applicable data protection laws, including the Children's Online Privacy Protection Act (COPPA), Family Educational Rights and Privacy Act (FERPA), General Data Protection Regulation (GDPR), and California Consumer Privacy Act (CCPA).

2. Information We Collect

2.1 Information You Provide Directly

Account Registration

  • ›Name, email address, username, password
  • ›Age or date of birth (for age verification)
  • ›Billing information (processed through Stripe, not stored on our servers)
  • ›Educational institution or corporate affiliation (for institutional accounts)

Profile Information

  • ›Profile picture, learning preferences, progress tracking data
  • ›Certification credentials and course completion records

Professional Services Inquiries

  • ›Contact information, case details, financial documents (for bankruptcy consulting services)
  • ›All professional services data is handled with attorney-client privilege standards

Communications

  • ›Customer support correspondence, survey responses, feedback
  • ›Newsletter subscriptions and communication preferences

2.2 Information Collected Automatically

Usage Data

  • ›Device information (IP address, browser type, operating system, device identifiers)
  • ›Log data (access times, pages viewed, links clicked)
  • ›Game progress, learning module completion, quiz scores
  • ›Video viewing history and content engagement metrics

Cookies and Tracking Technologies

  • ›Session cookies, persistent cookies, web beacons, pixels
  • ›Analytics data through Google Analytics and similar services
  • ›See our Cookie Policy for detailed information

2.3 Information from Third Parties

Payment Processors

  • ›Transaction confirmation data from Stripe (no credit card details stored)

Social Media

  • ›Profile information if you choose to connect social media accounts

Educational Institutions

  • ›Student roster data, grade level information (with proper FERPA compliance)

3. Children's Privacy (COPPA Compliance)

We take children's privacy seriously and comply with COPPA requirements.

Age Verification

  • ›Users must provide their age during registration
  • ›Users under 13 are directed to a parental consent process
  • ›No personal information is collected from children under 13 without verified parental consent

Parental Rights

  • ›Review their child's personal information
  • ›Request deletion of their child's personal information
  • ›Refuse further collection or use of their child's information
  • ›Consent to collection but refuse disclosure to third parties (where applicable)

Limited Data Collection for Children

  • ›We collect only the minimum necessary information to provide the educational services
  • ›Persistent identifiers (cookies) are used only for operational support
  • ›No behavioral advertising is directed at children under 13

Parental Consent Process

  • ›Parents provide consent via credit card verification (small charge, immediately refunded)
  • ›Alternative methods available: signed consent form via mail or digital signature

To exercise parental rights, contact us at parents@money-smarts.com or (970) 436-0580.

4. How We Use Your Information

Educational Services

  • ›Deliver game content, track learning progress, issue certifications
  • ›Personalize learning experiences and recommend relevant content
  • ›Generate progress reports for students, parents, and educators

Platform Operations

  • ›Maintain accounts, process payments, provide customer support
  • ›Secure our systems, prevent fraud, enforce terms of service
  • ›Analyze usage patterns to improve functionality and user experience

Communications

  • ›Send service updates, educational content, newsletters
  • ›Respond to inquiries and provide customer support
  • ›Marketing communications (with opt-out available)

Professional Services

  • ›Evaluate consulting engagement requests
  • ›Manage bankruptcy case files and client communications
  • ›Comply with legal and regulatory obligations

Legal Compliance

  • ›Fulfill legal obligations under bankruptcy law, court orders, subpoenas
  • ›Protect rights, property, and safety of Money Smarts and users
  • ›Enforce agreements and investigate violations

5. Information Sharing and Disclosure

We do not sell personal information. We share information only as described below:

Service Providers

  • ›Payment processors (Stripe), hosting providers (AWS), analytics services (Google Analytics)
  • ›Email service providers, customer support platforms
  • ›All service providers are contractually bound to protect your information

Educational Institutions

  • ›Student progress data shared with authorized school administrators (FERPA compliant)
  • ›Aggregate, de-identified data for institutional reporting

Corporate Partners

  • ›Employee learning data shared with authorized HR departments
  • ›Only as necessary to provide workplace wellness programs

Legal Requirements

  • ›Court orders, subpoenas, legal processes
  • ›Government agencies as required by law
  • ›Bankruptcy courts and U.S. Trustee offices (for professional services clients)

Business Transfers

  • ›In connection with merger, acquisition, or sale of assets
  • ›Users will be notified of any ownership changes

With Your Consent

  • ›Any other sharing will require your explicit consent

6. Data Security

We implement industry-standard security measures:

Technical Safeguards

  • ›TLS 1.2+ encryption for data in transit
  • ›AES-256 encryption for sensitive data at rest
  • ›Secure authentication and password hashing (bcrypt)
  • ›Regular security audits and penetration testing

Administrative Safeguards

  • ›Employee access controls and confidentiality agreements
  • ›Security training for all personnel handling personal data
  • ›Incident response procedures and breach notification protocols

Physical Safeguards

  • ›Secure data center facilities (AWS infrastructure)
  • ›Controlled access to physical servers and systems

No security system is impenetrable. We cannot guarantee absolute security but maintain commercially reasonable safeguards.

7. Your Rights and Choices

7.1 Access and Correction

  • ›View and update your account information through your profile dashboard
  • ›Request a copy of your personal data by emailing privacy@money-smarts.com

7.2 Deletion

  • ›Delete your account through account settings or by contacting us
  • ›We retain certain data as required by law (tax records, legal compliance)

7.3 Marketing Opt-Out

  • ›Unsubscribe from marketing emails via the link in each message
  • ›Manage communication preferences in your account settings

7.4 Cookie Management

  • ›Disable cookies through your browser settings
  • ›Note: Some features may not function without cookies

7.5 California Residents (CCPA Rights)

  • ›Right to know what personal information is collected
  • ›Right to know if personal information is sold or disclosed
  • ›Right to opt-out of sale of personal information (we do not sell)
  • ›Right to deletion of personal information
  • ›Right to non-discrimination for exercising CCPA rights

To exercise CCPA rights, submit a verifiable request to privacy@money-smarts.com or call (970) 436-0580.

7.6 European Residents (GDPR Rights)

  • ›Right to access, rectification, erasure, restriction of processing
  • ›Right to data portability
  • ›Right to object to processing
  • ›Right to withdraw consent
  • ›Right to lodge a complaint with supervisory authority

Legal basis for processing: Consent, contract performance, legal obligation, legitimate interests. To exercise GDPR rights, contact privacy@money-smarts.com.

8. Data Retention

We retain personal information for as long as necessary to provide services and comply with legal obligations:

  • ›Active accounts: Duration of account plus 30 days after deletion request
  • ›Inactive accounts: Deleted after 3 years of inactivity
  • ›Payment records: 7 years (IRS compliance)
  • ›Educational records: As required by FERPA and state laws
  • ›Legal/compliance records: As required by law or ongoing litigation

9. International Data Transfers

Our servers are located in the United States. If you access our Services from outside the U.S., your information will be transferred to, stored, and processed in the U.S. where data protection laws may differ. By using our Services, you consent to this transfer.

For European residents, we implement appropriate safeguards for international transfers, including Standard Contractual Clauses approved by the European Commission.

10. Third-Party Links

Our Services contain links to third-party websites and services. We are not responsible for their privacy practices. Review their privacy policies before providing personal information.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Material changes will be communicated via:

  • ›Email notification to registered users
  • ›Prominent notice on our website
  • ›Updated "Last Updated" date at the top of this policy

Continued use of our Services after changes constitutes acceptance of the updated policy.

12. Contact Information

Privacy Inquiries

Email: privacy@money-smarts.com

Phone: (970) 436-0580

Mail: Privacy Officer, Money Smarts, LLC, Colorado, USA 80550

Data Protection Officer (for GDPR inquiries)

Email: dpo@money-smarts.com

Parental Rights (COPPA inquiries)

Email: parents@money-smarts.com

Phone: (970) 436-0580

Professional Services Privacy (bankruptcy/legal)

Email: legal@money-smarts.com

13. Specific Platform Disclosures

13.1 Educational Games

Game progress, scores, and achievements are tracked to provide personalized learning experiences. This data is shared with parents/guardians (for minor accounts) and authorized educators (for institutional accounts).

13.2 Media Platforms (MoneySmarts.news, MoneySmarts.tv)

We collect viewing history and engagement metrics to recommend relevant content. This data is not shared with third parties except analytics providers.

13.3 Certification Programs

Certification records are maintained indefinitely for verification purposes. Employers or institutions may verify certifications with your consent.

13.4 Bankruptcy Consulting Services

All client communications are subject to professional confidentiality standards equivalent to attorney-client privilege. Information is disclosed only as required by bankruptcy court procedures and applicable law.