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Privacy Policy for Financial Wellness Academy

Last Updated: October 2025

I. Introduction

Financial Wellness Academy (“FWA”) has created this Privacy Policy to demonstrate our commitment to protecting the privacy of users and customers of the website financialwellnessacademy.net (the “Site”). This Privacy Policy explains how FWA collects, uses, maintains, and discloses information obtained from users of the Site and services offered by FWA. By accessing or using the Site, you agree to this Privacy Policy and to our https://financialwellnessacademy.net/terms-and-conditions. The Site is not directed at individuals under 18 years of age.

II. Information We Collect

FWA collects personal information in several ways, including when you register for a program, complete an online form, make a payment, subscribe to updates, or otherwise interact with our Site. This information may include your name, email address, billing and mailing address, telephone number, and other details necessary to process your registration or provide requested services.

We also collect information automatically through cookies, analytics tools, and similar technologies to help us understand how visitors use our Site. This may include your IP address, browser type, device information, referring URLs, and the pages you visit. This data helps us improve the Site experience and measure marketing effectiveness.

Additionally, we may collect information you choose to provide for newsletters, inquiries, or downloadable materials. All information is used only for legitimate business purposes as described in this Privacy Policy.

III. What Are Cookies?

Cookies are small text files that a website places on your device to help the Site function properly and improve your experience. FWA uses both temporary “session” cookies (which expire when you close your browser) and “persistent” cookies (which remain for a set period or until deleted).

We use cookies and similar technologies for purposes such as:

  • Remembering your preferences and settings;
  • Analyzing how visitors use our Site to improve performance; and
  • Delivering relevant content and advertising, including through remarketing or social media networks.

Cookies do not typically contain personally identifiable information, but we may link data collected through cookies to information you have provided to help improve your experience with FWA.

IV. Managing Cookies

You can manage or disable cookies through your browser settings. Each browser provides options to delete existing cookies or block new ones. For detailed instructions, see your browser’s support page (for example: Chrome, Firefox, Safari, Edge) or visit www.allaboutcookies.org for general information about cookies.

Users located in the European Union may also visit www.youronlinechoices.eu for guidance on managing cookies and online advertising preferences.

Please note that disabling certain cookies may limit some Site functionality. Cookies used by FWA do not store personal information and are designed only to improve performance and user experience.

V. Log Files

Like most websites, FWA automatically collects certain technical information to help us maintain and improve our Site. This information may include your IP address, browser type, operating system, referring pages, and the date and time of your visit. We use this data only in aggregate form to analyze Site usage trends and performance. It is not linked to personally identifiable information and is used solely to improve the Site’s functionality and security.

VI. Google Analytics

FWA uses Google Analytics to understand how visitors use the Site and to help improve its performance. Google Analytics collects information such as the pages visited, time spent on the Site, and general location data based on IP address. This information is aggregated and does not identify individual users.

Google may use cookies and other technologies to collect this data on our behalf. FWA does not send personally identifiable information to Google Analytics, and Google’s policies prohibit the collection of such information. Any data linked to personally identifiable details provided by users is stored securely within FWA’s own systems and is not shared with Google.

We use these insights solely to enhance the user experience, improve our programs and services, and measure marketing effectiveness.

You can learn more about how Google uses this information at https://policies.google.com/technologies/partner-sites, and you can opt out of Google Analytics tracking by installing the browser add-on available at https://tools.google.com/dlpage/gaoptout.

VII. Special Offers and Updates

Users who create an account, register for a program, or subscribe to updates may occasionally receive communications related to Financial Wellness Academy offerings. These may include newsletters, special offers, educational resources, or reminders about upcoming classes, events, or appointments.

FWA may also use a customer relationship management (CRM) system to send automated or personalized follow-up messages, course updates, or promotional information, and may deliver certain notifications by text message (SMS) if you have provided a mobile number and consented to receive such messages. Standard message and data rates may apply.

Out of respect for privacy, FWA provides clear opt-out or unsubscribe options in every promotional email or text message. You can also contact FWA at privacypolicy@financialwellnessacademy.net to stop receiving marketing communications at any time. Transactional or service-related messages necessary to complete your registration, payment, or program participation will continue as needed.

VIII. Service Announcements

From time to time, FWA may send service-related announcements, such as notices about Site maintenance, program updates, or payment confirmations. These messages are purely informational and not promotional. Because they are necessary for account or service operation, users may not opt out of these communications while their account or registration remains active.

IX. Legally-Required Disclosures

FWA may disclose personal information when required by law or when we believe disclosure is necessary to protect our legal rights or comply with a judicial proceeding, court order, subpoena, or other legal process. We may also disclose information if required for national security, law enforcement, or other issues of public importance. Any such disclosures will be made in accordance with applicable privacy laws and only to the extent required.

X. Third-Party Websites

The Site may contain links to third-party websites or services that are not operated or controlled by FWA. This may include embedded content such as videos, images, or articles from external platforms (for example, YouTube).

When you interact with embedded content, those third parties may collect data about you, use cookies, or track your interaction with the embedded material according to their own privacy policies. FWA does not control these third-party data practices and is not responsible for their privacy or security policies.

We encourage users to review the privacy policies of any external sites or platforms they visit or interact with. This Privacy Policy applies only to information collected directly through the Site.

XI. Retaining and Deleting Personal Data

FWA retains personal data only for as long as necessary to fulfill the purposes described in this Privacy Policy, including to provide services, meet legal or accounting requirements, or resolve disputes.

When data is no longer needed for these purposes, it is securely deleted or anonymized. Certain information may be retained for a longer period if required by law, to maintain accurate business records, or to protect FWA’s legal rights.

Users may request deletion of their personal data at any time by contacting FWA at privacypolicy@financialwellnessacademy.net, subject to any legal or contractual obligations requiring its retention.

XII. Maintenance of Information

FWA stores personal information using secure systems that follow industry-standard security practices, including encryption and access controls, to protect against loss, misuse, or unauthorized access. While no online system can be guaranteed 100% secure, FWA takes reasonable steps to safeguard the confidentiality and integrity of all information provided.

Information collected through the Site may be stored or processed on servers located in the United States or other jurisdictions where FWA or its trusted service providers operate. This may include third-party platforms that support email communications, customer relationship management (CRM), or payment processing. These service providers are contractually obligated to protect personal data and process it only for authorized purposes on behalf of FWA.

By using the Site, you consent to the transfer of your information to these locations, which may have different data protection laws than your country of residence. FWA continually reviews its data security measures and updates them as necessary to align with current best practices and legal requirements.

XIII. Your Responsibility

Users are responsible for maintaining the security of their account credentials and any passwords used to access the Site. Do not share your login details with others, and always log out when finished using the Site. You are also responsible for keeping your contact information current so that we can communicate important updates regarding your registration or services.

FWA may retain certain account or transaction details as required by law, to complete services requested, or to resolve disputes and enforce agreements.

XIV. Your Rights

You have certain rights under applicable data protection laws, which may include the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA). These rights include:

  • Access – You may request a copy of the personal data FWA holds about you.
  • Rectification – You may request correction of inaccurate or incomplete data.
  • Erasure (“Right to be Forgotten”) – You may request deletion of your personal data when it is no longer needed for the purposes for which it was collected, or if processing was based on consent that you withdraw.
  • Restriction of Processing – You may request that we limit how your data is used in certain circumstances.
  • Objection – You may object to processing based on legitimate interests, including for direct marketing.
  • Data Portability – You may request to receive your personal data in a structured, commonly used, and machine-readable format.
  • Withdraw Consent – You may withdraw consent at any time when processing is based on your consent.
  • Lodge a Complaint – You may file a complaint with a data protection authority in your region.

Requests may be submitted by emailing privacypolicy@financialwellnessacademy.net or writing to:

Financial Wellness Academy
Attn: Privacy Rights
888 SE 3rd Ave, Suite 502
Fort Lauderdale, FL 33316

FWA will respond to verified requests within the timeframes required by law. Some information may be retained as necessary to comply with legal obligations, complete ongoing transactions, or resolve disputes.

Legal Basis & Exceptions:
FWA processes personal data only where there is a lawful basis to do so, such as consent, the performance of a contract, compliance with a legal obligation, protection of vital interests, or pursuit of legitimate business interests. Certain rights may not apply when processing is necessary for freedom of expression, compliance with law, or the establishment, exercise, or defense of legal claims.

XVI. Your California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). These include the right to:

  • Request to know what categories and specific pieces of personal information FWA has collected about you.
  • Request deletion of your personal information, subject to legal exceptions.
  • Request correction of inaccurate personal information.
  • Opt out of the sale or sharing of personal information, if applicable.
  • Not be discriminated against for exercising any of your privacy rights.

To exercise these rights, you may email privacypolicy@financialwellnessacademy.net or write to:

Financial Wellness Academy
Attn: Privacy Rights
888 SE 3rd Ave, Suite 502
Fort Lauderdale, FL 33316

FWA does not sell personal information for monetary value. Any sharing of information is conducted only as described in this Privacy Policy for operational and service purposes.

XVII. GDPR Compliance

If you are located in the European Union, the United Kingdom, or another region that has adopted data protection laws similar to the GDPR, FWA processes your personal data under one or more of the following lawful bases:

  • Consent – when you have given clear permission for us to process your personal data for a specific purpose.
  • Contractual necessity – when processing is necessary to fulfill a contract with you or to take steps before entering into a contract.
  • Legal obligation – when processing is required to comply with the law.
  • Legitimate interests – when processing is necessary for FWA’s legitimate business interests, provided that your rights and freedoms do not override those interests.

FWA’s primary operations are based in the United States. Personal data collected through the Site may be transferred to and processed in the U.S. or other jurisdictions that may not provide the same level of data protection as your home country. FWA implements appropriate safeguards, including contractual protections and secure transfer mechanisms, to ensure that your personal information is protected in accordance with applicable laws.

Users in the EU/UK may exercise their rights as outlined in the “Your Rights” section of this Privacy Policy.

XVIII. Changes to this Privacy Statement

FWA may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. The updated version will be posted on this Site with a revised “Last Updated” date. If material changes are made, we may also notify you by email or through a notice on the Site. Continued use of the Site after any changes indicates your acceptance of the updated Privacy Policy.

XIX. Questions

If you have questions or concerns about this Privacy Policy or how your personal information is handled, you may contact us at privacypolicy@financialwellnessacademy.net.

To report misuse or security concerns related to the Site, please email abuse@financialwellnessacademy.net. FWA will review and respond to all inquiries in a timely manner.