Privacy Policy

MoneyMentor ("we," "us," or "our") is committed to protecting your privacy and ensuring that your personal information is handled in a safe and responsible manner. This Privacy Policy describes how we collect, use, and disclose your personal information through our website at usaconmonnetferma.com, our mobile applications, and our services (collectively, our "Service").

By accessing or using our Service, you agree to this Privacy Policy. If you do not agree with our policies and practices, your choice is not to use our Service. This Privacy Policy may change from time to time (see "Changes to This Policy" section). Your continued use of our Service after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

We collect several types of information from and about users of our Service, including:

• Personal Information: Information that identifies you as an individual or relates to an identifiable individual, such as name, postal address, email address, telephone number, date of birth, and payment information.
• Account Information: Information that you provide when you register for an account, such as your username, password, and profile information.
• Financial Information: Information about your financial situation that you provide during enrollment in our programs or when using our services, such as income, expenses, assets, debts, financial goals, and investment preferences. This information is used solely for educational purposes and to provide personalized guidance.
• Usage Data: Information about how you access and use our Service, such as your browser type, IP address, device information, operating system, the pages you view, time and date of your visit, the time spent on those pages, and other diagnostic data.
• Cookies and Tracking Technologies: Information collected through cookies, web beacons, and other tracking technologies. For more information, please see our Cookies Policy.
• Marketing Preferences: Your preferences in receiving marketing communications from us and our third parties.

We collect this information:

• Directly from you when you provide it to us (e.g., when you register for an account, enroll in our programs, or contact us).
• Automatically as you navigate through the site or use our Service (e.g., usage details, IP addresses, and information collected through cookies).
• From third parties, such as our business partners and service providers.

We use the information we collect for various purposes, including:

• Providing and Improving Our Service: To provide you with the service you requested, process transactions, maintain your account, respond to your inquiries, and improve our Service.
• Personalization: To personalize your experience and to deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our Service, third-party sites, and via email or text message (with your consent, where required by law).
• Communications: To communicate with you about our Service, respond to your inquiries, and provide customer support. This includes sending you technical notices, updates, security alerts, and administrative messages.
• Marketing and Promotion: To send you promotional communications about new products, special features, or other offerings that may be of interest to you. You may opt out of receiving these communications at any time.
• Analytics and Research: To conduct analytics and research to improve our Service, content, marketing, and user experience.
• Security and Fraud Prevention: To detect, prevent, and address technical issues, security incidents, and fraudulent activities.
• Legal Compliance: To comply with legal obligations, resolve disputes, and enforce our terms and policies.

We may disclose personal information that we collect or you provide as described in this Privacy Policy:

• Service Providers: To contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
• Business Transfers: To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding.
• Legal Requirements: To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
• Safety and Rights: To enforce or apply our terms of use and other agreements, or to protect the rights, property, or safety of our company, our customers, or others.
• With Your Consent: In any other way we may describe when you provide the information or for any other purpose with your consent.

We do not sell, rent, or lease your personal information to third parties without your consent.

We may share aggregated, anonymous data that does not identify you with third parties for any purpose, including marketing and analytics.

We have implemented appropriate technical and organizational measures designed to protect the security of your personal information. These measures include:

• Encryption of sensitive personal information
• Secure networks and servers
• Regular security assessments and testing
• Access controls and authentication procedures
• Employee training on data security practices

Despite our efforts, no method of transmission over the Internet or electronic storage is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. The criteria used to determine our retention periods include:

• The length of time we have an ongoing relationship with you and provide the Service to you
• Whether there is a legal obligation to which we are subject
• Whether retention is advisable in light of our legal position (such as in regard to applicable statutes of limitations, litigation, or regulatory investigations)

When we no longer need to use your personal information, we will remove it from our systems and records or take steps to anonymize it so that it no longer identifies you, unless we are required by law to keep it for a longer period.

We use cookies and similar tracking technologies to track activity on our Service and store certain information. Cookies are small data files that are placed on your device when you visit a website. They are widely used to make websites work or improve efficiency, as well as to provide information to the website owners.

Our Service uses the following types of cookies:

• Essential Cookies: Necessary for the functioning of our website
• Functional Cookies: Help us recognize you and remember your preferences
• Performance/Analytics Cookies: Help us understand how visitors interact with our website
• Targeting/Advertising Cookies: Record your visit to our website, pages visited, and links followed

We may also use web beacons (small graphic images) and similar technologies to monitor engagement with our emails and other communications.

You can control cookies through your browser settings and other tools. For more detailed information about the cookies we use, how we use them, and your choices regarding cookies, please see our Cookies Policy.

Depending on your location, you may have certain rights regarding your personal information. These may include:

• Access: You have the right to request a copy of the personal information we hold about you.
• Correction: You have the right to request that we correct inaccurate or incomplete personal information about you.
• Deletion: You have the right to request that we delete your personal information in certain circumstances.
• Restriction: You have the right to request that we restrict the processing of your personal information in certain circumstances.
• Data Portability: You have the right to receive your personal information in a structured, commonly used, and machine-readable format.
• Objection: You have the right to object to our processing of your personal information in certain circumstances.
• Withdraw Consent: Where we process your personal information based on your consent, you have the right to withdraw that consent at any time.

To exercise these rights, please contact us using the information provided in the "Contact Information" section. We may need to verify your identity before responding to your request. We will respond to your request within the timeframe required by applicable law.

You also have the right to opt-out of marketing communications. You can exercise this right by clicking on the "unsubscribe" or "opt-out" link in the marketing emails we send you, or by contacting us using the information provided below.

Our Service is not intended for children under 18 years of age, and we do not knowingly collect personal information from children under 18. If you are a parent or guardian and you believe that your child has provided us with personal information, please contact us. If we become aware that we have collected personal information from children without verification of parental consent, we take steps to remove that information from our servers.

Your personal information may be transferred to, and processed in, countries other than the country in which you are a resident. These countries may have data protection laws that are different from the laws of your country. Specifically, our website servers are located in the United States, and our service providers and partners operate worldwide.

When we transfer your personal information to other countries, we will protect that information as described in this Privacy Policy and in accordance with applicable law. We use appropriate safeguards, such as standard contractual clauses approved by relevant authorities, to ensure that your personal information receives an adequate level of protection in the countries where it is processed.

We may update our Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. The date at the top of this Privacy Policy indicates when it was last updated.

We will post any changes on this page and, if the changes are significant, we will provide a more prominent notice (such as an email notification). We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

Your continued use of our Service after any changes to this Privacy Policy constitutes your acceptance of the revised Privacy Policy.

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

MoneyMentor
278 Financial Avenue, Suite 300
Chicago, IL 60601

Email: privacy@usaconmonnetferma.com
Phone: (844) 376-5432

Data Protection Officer: privacy-officer@usaconmonnetferma.com

Last updated: April 5, 2025