Privacy Policy.

1. Scope and Who We Are

This Privacy Policy applies to dollarsnsense.io and the webpages, forms, articles, calculators, tools, downloadable resources, newsletters, programs, and communications that link to this policy. In this policy, “we,” “us,” and “our” refer to Dollars & Sense and PDCC LLC.

Dollars & Sense provides financial education, courses, coaching-related information, calculators, articles, workbooks, newsletters, and other resources focused on money, debt, budgeting, couples and money, mortgage readiness, and homeownership. The website may also link to landing pages, payment providers, scheduling tools, course platforms, social media services, mortgage-related websites, or other third-party systems. Those separate services may provide their own privacy notices and terms.

2. Information We Collect

We may collect the following categories of information, depending on how you use the website:

Information you provide directly

• Contact information, such as your name, email address, phone number, mailing address, or preferred method of contact.
• Form and communication information, including questions, comments, goals, survey responses, appointment requests, or other details you choose to provide.
• Newsletter and resource information, such as information submitted when you subscribe, register, or request a workbook, guide, calculator, webinar, or other resource.
• Transaction information, if you purchase a product or service. Payment information is generally processed by a third-party payment provider, and we may receive limited details such as payment status, product purchased, or billing contact information.
• Testimonials, reviews, or submissions, when you voluntarily provide feedback or authorize us to use your story.

Information collected automatically

• IP address, browser type, device type, operating system, language, and approximate location derived from IP address.
• Pages viewed, links clicked, referring pages, time spent, date and time of visits, and similar usage activity.
• Cookie identifiers, advertising identifiers, and other online identifiers where used.
• Technical and security information, such as error logs, diagnostics, and attempted misuse of the website.

Information from other sources

We may receive information from service providers, referral partners, social media platforms, event platforms, marketing partners, or other third parties when permitted by law. We may combine that information with information collected through the website.

3. How We Use Information

We may use personal information to:

• Operate, maintain, personalize, and improve the website and its content.
• Deliver newsletters, workbooks, calculators, guides, downloads, webinars, or other resources you request.
• Respond to questions, requests, appointments, support needs, or other communications.
• Provide information about programs, products, services, mortgage or homeownership resources, and related opportunities.
• Process transactions, maintain records, and administer relationships with customers, subscribers, and partners.
• Measure website and campaign performance, understand audience interests, and improve user experience.
• Protect the website, detect fraud or misuse, troubleshoot problems, and maintain security.
• Comply with legal obligations, respond to lawful requests, and establish or defend legal claims.
• Carry out another purpose disclosed at the time information is collected or with your consent.

We may also use information that has been aggregated or de-identified so that it can no longer reasonably identify you.

4. Cookies, Analytics, and Similar Technologies

The website and its service providers may use cookies, pixels, tags, local storage, scripts, and similar technologies to remember preferences, keep the site functioning, measure traffic, understand how visitors use the site, protect against abuse, and evaluate marketing performance.

Types of technologies we may use

• Essential technologies that support security, navigation, forms, and core website functions.
• Analytics technologies that help us understand visits, page performance, and general usage trends.
• Preference technologies that remember choices or improve your experience.
• Advertising or measurement technologies that may help measure campaigns or show more relevant content, where used.

Most browsers allow you to block or delete cookies. Doing so may affect website functionality. You may also use browser privacy settings or privacy tools to limit certain tracking.

5. How We Disclose Information

We may disclose personal information to the following categories of recipients:

• Website and cloud service providers that support hosting, storage, content delivery, security, and technical operations.
• Form, customer relationship, email, and course platforms that help collect submissions, deliver resources, manage contacts, and send communications.
• Analytics and marketing providers that help measure website usage, campaigns, or audience engagement.
• Payment processors and transaction providers when you purchase a product or service.
• Professional advisers, such as lawyers, accountants, insurers, auditors, or consultants.
• Government authorities or other parties when required by law, legal process, safety concerns, or the protection of rights.
• Business transaction participants in connection with a merger, acquisition, financing, restructuring, sale of assets, or similar transaction.
• Other parties at your direction or with your consent.

6. Email, Text, and Other Communications

When you subscribe to the newsletter, request a resource, register for an event, submit a form, or otherwise ask to hear from us, we may send educational, transactional, administrative, or promotional communications.

• You may unsubscribe from marketing email by using the unsubscribe link included in the message.
• You may request that we stop marketing communications by emailing hello@dollarsnsense.io.
• If text messaging is offered, consent to receive marketing texts is not a condition of purchase, and message and data rates may apply. You may opt out by replying STOP.
• Even after you opt out of marketing, we may still send necessary transactional, security, legal, or service-related communications.

7. Third-Party Services, Forms, and Links

The website may contain embedded forms, videos, calendars, payment tools, analytics tools, social media features, and links to third-party websites. Those third parties may collect information directly from you and may use cookies or similar technologies under their own privacy policies.

Links may include separate websites or systems related to newsletters, courses, coaching, downloads, calculators, payment processing, scheduling, mortgage education or applications, real estate services, social media, and landing pages hosted on other domains. When you leave dollarsnsense.io or submit information directly to a third party, that third party’s privacy policy applies.

8. Data Retention

We retain personal information for as long as reasonably necessary to provide requested services, maintain business and legal records, manage communications, resolve disputes, enforce agreements, protect against fraud, and comply with applicable law.

Retention periods vary based on the type of information, the purpose for which it was collected, the sensitivity of the information, contractual requirements, and legal obligations. When information is no longer needed, we may delete it, de-identify it, or securely archive it until deletion is practical.

9. Data Security

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information. These may include access controls, secure service providers, encryption in transit where supported, authentication, backups, monitoring, and policies for handling information.

No website, database, email system, or transmission method can be guaranteed to be completely secure. You are responsible for using caution when sending information online and for protecting any passwords or account credentials you use with third-party services.

10. Your Privacy Rights and Choices

Depending on where you live and subject to legal exceptions, you may have some or all of the following rights:

To exercise a privacy right, email hello@dollarsnsense.io with the subject line “Privacy Request.” Please describe the request and provide enough information for us to identify the relevant records. We may need to verify your identity before completing the request.

You may use an authorized agent where permitted by law. We may request proof of the agent’s authority and may still need to verify your identity directly. We will not discriminate against you for exercising a legally protected privacy right.

11. California Privacy Notice

California residents may have rights under the California Consumer Privacy Act, as amended. Those rights can include the right to know, access, delete, correct, opt out of sale or sharing, limit certain uses of sensitive personal information, and receive equal service and pricing when exercising privacy rights.

Sale and sharing

We do not sell personal information for monetary consideration. If our use of analytics, advertising, or campaign-measurement technologies constitutes “sharing” under California law, California residents may request to opt out by contacting us or by using a valid browser-based opt-out preference signal, such as Global Privacy Control, where required.

Sensitive personal information

The general website is not designed to collect highly sensitive financial or identity information through ordinary forms. Please do not send Social Security numbers, financial account credentials, precise government identification numbers, or similar information through the website or ordinary email. Separate secure application systems may collect information under their own notices.

California “Shine the Light”

California residents may request information about certain disclosures of personal information to third parties for their own direct marketing purposes, where applicable. Requests may be sent to the contact information below.

Verification and response

We will respond to verified requests within the time required by applicable law. We may deny or limit a request when an exception applies, and we will explain the reason when required.

12. Children’s Privacy

Dollars & Sense is intended for adults and is not directed to children under 13. We do not knowingly collect personal information from children under 13 through the general website. If you believe a child has provided personal information to us, please contact us so we can review and address the matter.

We do not knowingly sell or share the personal information of consumers under 16 without the affirmative authorization required by applicable law.

13. International Visitors

PDCC LLC is based in the United States. If you access the website from outside the United States, information may be transferred to, stored in, or processed in the United States and other countries where our service providers operate. Privacy laws in those locations may differ from the laws where you live.

Where required, we will process personal information using an appropriate legal basis and provide additional rights or notices required by applicable law.

14. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in the website, services, technology, legal requirements, or privacy practices. The updated policy will be posted on this page, and the effective date at the top will be revised.

We encourage you to review this page periodically. If a change materially affects how we use previously collected information, we will provide additional notice or obtain consent when required by law.

15. Contact Us

Questions about this Privacy Policy or requests to exercise privacy rights may be sent to:

• Email: hello@dollarsnsense.io
• Mail: PDCC LLC, 254 Lake Ave #213, Pasadena, CA 91101
• Website: dollarsnsense.io