Privacy

Privacy Policy

Effective August 30, 2026 · Updated November 9, 2026

This policy explains how Money Trap Academy handles information provided through its owned website and direct communications.

Information we receive

When you contact us, we may receive your name, email address, the contents of your message, campaign attribution supplied by the page, and basic technical information generated when you visit the site.

How information is used

We use information to respond to inquiries, administer a controlled pilot, improve educational material, maintain security, and comply with applicable obligations. We do not sell personal information.

Class registration and lesson feedback

Class registration collects your name, any phone number or email address you choose to provide, communication choices, and submission date. You may skip either contact method or both. These records are stored privately for authorized Money Trap Academy class leaders; they are not a public directory. Contact information is self-reported and is not verified by this form.

Lesson feedback is stored separately without a name, phone number, or email attached. Please leave names and sensitive financial details out of comments. Participation is voluntary and does not affect attendance or support. Leaders use the responses to review clarity, usefulness, emotional impact, practical exercises, and teaching support. The ratings, comments, and practical-step questions are optional. A submitted response includes its materials, response type, role, and privacy acknowledgment. Feedback does not automatically change approved lessons. These forms do not send email or text messages.

A temporary form cookie helps save your submission safely and avoid duplicates. A daily hash of the network address may be retained with temporary form sessions to limit abuse; raw network addresses are not stored in the class database. Hosting providers may maintain their own technical logs. Keep your submission reference if you want a leader to locate, correct, or delete your record. Joining the class list and choosing communication channels are optional. You may attend without registering. Ask a class leader if you want to withdraw a communication choice.

Class-form information updated November 1, 2026.

Personal budget workspace

The budget workspace calculates figures in your browser. It does not send budget entries to the Academy, instructors, registration records, or lesson feedback. It does not connect to bank accounts or move money. You can use it without a name, email address, or account number.

Saving on your device is optional. If you turn it on, one budget is saved in this browser profile and restored when you return. People who use the same browser profile can also open it. Turn device saving off to remove that saved copy; the budget already open on screen remains until you leave or replace it. Browser settings or clearing website data may remove saved budgets. Export a file if you want to keep a separate copy or move your plan to another device. The six-functions calculator also runs in your browser. Its inputs are not saved when you leave. If you explicitly add a monthly estimate to your budget, that new item follows your budget’s device-saving and export choices. Imported files are read in your browser. Exported files and printed copies contain the figures you entered and remain under your control.

If you choose to bring a payment from a bill-helper file into your monthly plan, the plan keeps a private source record. It includes that payment’s amount and dates, statement balance when present, file references and reading notes. The statement balance is kept for reference; it is not added to monthly cost totals. Earlier source records stay after a correction or removal of the payment row. Saving on this device or exporting a monthly file also saves that history. The original PDF is not included. Keep saved files private; removing a row does not erase its source history or copies you already saved elsewhere.

Bill reminder choices

Optional bill due dates, reminder methods and days before due are kept with your private budget, following its device-saving and file-export choices. Email and text delivery are not active. Choosing either method does not enroll you, collect an address or phone number, or send a message. A future message service would require a separate opt-in and a verified destination.

When message delivery is enabled, setting a message reminder will send only its due date, alert timing, time zone, chosen channel and consent record to the private reminder service. Your verified sign-in email, or a phone number checked with a separate text code, will be used as the destination. Bill names, amounts, account numbers and budget files will stay out of that service. An email or text provider will receive the destination and a general bill reminder. Messages can be visible on shared devices and lock screens.

The prepared service erases its saved contact copy when you stop all reminders. A cancelled reminder keeps a coded record to prevent an old request from starting it again. During reminder processing, expired verification contacts are erased; other unused contact copies are erased after seven days. Reminder history is removed 90 days after its alert window or a later cancellation or send attempt. Coded stop records remain to reject older unconfirmed choices. These cleanup rules will require the reminder processor to be running. They do not delete a provider’s records, messages already received, or copies in hosting backups. Provider retention and a working recovery process must be checked before delivery opens.

You may save a calendar reminder file on your device. It contains a general bill note, due date and alert timing, without bill names, amounts or contact details. If you import it into a calendar service, that service handles the event under its own privacy and notification settings. Shared-calendar members may see it. Changes in the budget do not update or delete calendar copies; manage those in your calendar. Importing again may create a duplicate.

Private research and statement-review worksheets

The stock-study worksheet, statement review, and debt-and-obligation inventory process entries in your browser. They do not submit notes, transactions, source references or balances to the Academy, instructors, class records or feedback. Source URLs entered in a research note are plain text and are not fetched by the worksheet. There is no bank connection or automatic transaction import. A CSV selected in the statement-review tool is read locally. Column mapping and a preview require your explicit action before rows replace the worksheet. The original filename, byte count, import time and SHA-256 file hash, when the browser supports hashing, are retained with the worksheet. Original CSV bytes are not stored in the saved worksheet; keep the original file separately.

Each worksheet has its own optional saved copy in this browser profile, separate from the budget. People using that profile can open saved copies. Turning a worksheet’s device saving off removes its saved copy while keeping the open page intact. Exported JSON files and printed copies contain your entries; imports are read locally and do not upload the file to MTA. Clearing website data may remove saved work. Do not enter credentials, account numbers or identity documents.

Sensitive information

Do not send account numbers, Social Security numbers, tax records, passwords, or detailed private financial records by ordinary email. Pilot participation does not require this information.

Email and text messages

We may reply to a message you send or communicate about a pilot you request. Marketing email should include a clear way to stop future messages. We will not treat an email inquiry as consent to recurring SMS messages. Any future SMS program will require a separate, optional consent process.

Service providers and disclosure

The pilot inquiry form sends the information you enter through our transactional email provider to Money Trap Academy. Limited information may also be processed by providers that support hosting, security, or program administration. Information may be disclosed when reasonably necessary to protect rights, safety, or comply with law.

Retention and choices

We retain information only as reasonably needed for the purposes described above. You may ask to correct or delete information, or stop marketing communications, through our inquiry form. The correct request type will be selected automatically. Include your submission reference if you have it, and leave out sensitive financial information. Class participants may also ask a class leader directly. Sending a request does not automatically change or delete a class record.

Children

The pilot is not directed to children under 13, and we do not knowingly collect their personal information.

Changes

We may update this policy as the program develops. The effective date above will identify the current version.