PRIVACY POLICY

Money with Michael Mac

Effective Date: March 21, 2026  |  Last Updated: March 21, 2026

Welcome to Money with Michael Mac. Your privacy matters deeply to us. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you visit our website, sign up for our email list, download our free resources, or engage in one-on-one financial coaching services.

By using our website or services, you agree to the collection and use of information in accordance with this policy. If you do not agree with the terms described here, please do not use our services.

Money with Michael Mac provides financial education and coaching services. We are not a licensed financial advisory firm. This Privacy Policy governs personal data only — not the financial education or coaching guidance we provide.

We collect information you provide directly to us, as well as information gathered automatically when you interact with our website and services.

• Full name and email address — collected when you sign up for our email list, download free resources such as our PDF guides, or complete a contact form
• Phone number — collected if provided voluntarily during consultation booking or intake forms
• General financial background information — shared voluntarily during coaching sessions to help us serve you better (e.g., retirement savings status, age, income range)
• Payment information — collected when purchasing consultations or digital products. Payments are processed securely through third-party processors; we do not store full credit card numbers on our systems
• Messages, questions, or feedback — submitted via contact forms, email, or social media

• IP address and browser type
• Pages visited and time spent on our website
• Referring website or traffic source
• Device type (desktop, mobile, tablet)
• Cookies and similar tracking technologies (see Section 7 for details)

We use the personal information we collect for the following purposes:

• To deliver coaching services, paid consultations, and digital educational products
• To send you our email newsletter, retirement planning tips, and relevant updates — only with your consent
• To respond to your questions, inquiries, or support requests in a timely manner
• To process payments for consultations and paid digital products
• To deliver free resources such as PDF opt-in guides you have requested
• To improve our website content, course materials, and overall user experience
• To analyze how our content is used so we can better serve our audience
• To comply with applicable laws and protect our legal rights

We will never sell your personal information to third parties for their own marketing purposes.

We do not sell, rent, or trade your personal information. We may share your data only in the following limited circumstances:

We work with reputable third-party platforms to operate our business. These may include:

• Email marketing platforms (e.g., ConvertKit, Mailchimp, or similar) — to deliver newsletters and email nurture sequences
• Payment processors (e.g., Stripe, PayPal, or similar) — to handle transactions securely on our behalf
• Website analytics tools (e.g., Google Analytics) — to understand site traffic and user behavior
• Appointment scheduling software — to book and manage coaching consultations
• Digital product delivery platforms — to fulfill purchases of paid PDF guides or courses

These providers are contractually obligated to protect your data and use it only for the services they perform on our behalf.

We may disclose your information if required to do so by law, court order, or governmental authority, or if we believe disclosure is necessary to protect the rights, property, or safety of ourselves, our clients, or others.

In the event of a merger, acquisition, or sale of business assets, your personal data may be transferred to the new owner. We will notify you of any such change in advance and provide an opportunity to opt out.

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, including any legal, accounting, or reporting obligations.

• Email subscriber data: Retained for as long as you remain subscribed. You may unsubscribe at any time via the link in any email.
• Coaching session notes and intake forms: Retained for up to 3 years to support ongoing service quality and continuity.
• Payment records: Retained for 7 years as required for tax and financial compliance.
• Website analytics data: Typically aggregated or deleted after 26 months.

Depending on your location, you may have the following rights regarding your personal data:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request that we correct inaccurate or incomplete information.
• Deletion: Request that we delete your personal data, subject to certain legal exceptions.
• Opt-Out of Marketing: Unsubscribe from emails at any time using the unsubscribe link in any email, or by contacting us directly.
• Data Portability: Request a copy of your data in a portable, machine-readable format where technically feasible.
• Restriction: Request that we limit how we process your data in certain circumstances.

To exercise any of these rights, please contact us using the details in Section 10. We will respond to your verified request within 30 days.

Our website uses cookies and similar technologies to enhance your browsing experience, analyze site traffic, and understand how visitors engage with our content. Cookies are small data files placed on your browser or device.

• Essential cookies: Required for the website to function properly. These cannot be disabled.
• Analytics cookies: Help us understand how visitors interact with our site and which content performs best (e.g., Google Analytics).
• Marketing/conversion cookies: Used to measure the effectiveness of our advertising and promotional campaigns, where applicable.

You can manage or disable cookies through your browser settings at any time. Note that disabling certain cookies may affect website functionality. By continuing to use our website, you consent to our use of cookies as described in this section.

We take the security of your personal and financial information seriously. When you make a purchase through Money with Michael Mac:

• All payment transactions are processed through PCI-DSS compliant third-party processors such as Stripe or PayPal
• We do not store, transmit, or have access to your full credit card numbers or bank account details
• Payment confirmation data (such as transaction IDs and last 4 digits) may be retained for billing and support purposes

In addition to payment security, we implement the following general security measures across our business:

• Secure HTTPS encryption across our website
• Password-protected and access-controlled storage of client records
• Use of reputable, security-audited third-party platforms for all email, scheduling, and payment functions

While we employ commercially reasonable security practices, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security and you share information at your own risk.

Our services are specifically designed for adults — primarily individuals in their 40s and 50s who are planning for retirement. We do not knowingly collect personal information from individuals under the age of 18. If we become aware that we have inadvertently collected data from a minor without verifiable parental consent, we will take prompt steps to delete it from our records.

We may update this Privacy Policy periodically to reflect changes in our business practices, services, or applicable laws. When material changes are made, we will:

• Update the 'Last Updated' date at the top of this document
• Notify active email subscribers of significant changes via email
• Post the revised policy on our website with the new effective date

We encourage you to review this page from time to time to stay informed about how we protect your personal information.

If you have any questions, concerns, or requests related to this Privacy Policy or how your personal data is handled, please reach out to us:

Money with Michael Mac

Email: 

info@MoneywithMichaelMac.com

Website: www.moneywithmichaelmac.com

Location: United States

This Privacy Policy was last reviewed and approved on March 21, 2026.

SMS TERMS & CONDITIONS

Money with Michael Mac

Effective Date: March 21, 2026 | Last Updated: March 21, 2026

QUICK REFERENCE SUMMARY

Program Name: Money with Michael Mac SMS Alerts

Sender: +1 (972) 787-4361

Message Types: Appointment reminders, coaching follow-ups, promotional offers, and retirement education tips

Message Frequency: Varies — typically 2 to 4 messages per month

Charges: Message and data rates may apply

To Opt Out: Reply STOP at any time

For Help: Reply HELP or contact info@moneywithmichaelmac.com

Money with Michael Mac (referred to as 'we,' 'us,' or 'our') operates an SMS messaging program to communicate with clients, subscribers, and prospective coaching clients who have opted in to receive text messages from us at +1 (972) 787-4361.

By opting in to our SMS program, you agree to receive text messages from Money with Michael Mac related to:

• Coaching session reminders and appointment confirmations

• Follow-up messages after coaching consultations to support your progress

• Announcements about new digital products, guides, or courses

• Promotional offers, limited-time discounts, or special events

• Retirement education tips, insights, and actionable resources

• Important updates about our services or programs

Participation in this SMS program is entirely voluntary. You are not required to opt in as a condition of purchasing any product or service from us.

You may opt in to receive SMS messages from Money with Michael Mac through one or more of the following methods:

• Submitting your mobile phone number on our website opt-in form and checking the SMS consent checkbox

• Texting [KEYWORD] to +1 (972) 787-4361

• Providing your mobile number during a coaching consultation booking and consenting to SMS communications at that time

• Completing a digital intake form that includes an SMS opt-in checkbox

By opting in through any of these methods, you confirm that:

• You are the owner or authorized user of the mobile phone number provided

• You are at least 18 years of age

• You consent to receive recurring text messages from Money with Michael Mac at +1 (972) 787-4361

• You understand that consent is not a condition of any purchase

Message frequency varies based on your engagement with our services and any active promotions. On average, you can expect to receive approximately 2 to 4 text messages per month. During special events, product launches, or limited-time promotions, the frequency may temporarily increase.

We respect your time and are committed to sending only relevant, valuable messages.

Money with Michael Mac does not charge a fee to participate in our SMS program. However, message and data rates may apply depending on your mobile carrier and your individual wireless plan. These charges are billed by your carrier, not by us.

Please contact your wireless carrier if you are unsure about your messaging plan or potential charges. Money with Michael Mac is not responsible for any fees charged by your mobile carrier.

You may opt out of receiving SMS messages from Money with Michael Mac at any time. To unsubscribe:

• Reply STOP to any text message you receive from +1 (972) 787-4361

• Email us at hello@moneywithmichaelmac.com with your phone number and a request to be removed

After texting STOP, you will receive one final confirmation message letting you know you have been successfully unsubscribed. You will then receive no further SMS messages unless you choose to opt in again.

Please note that opting out of SMS does not unsubscribe you from our email list. To unsubscribe from emails, use the unsubscribe link in any email we send you.

If you need assistance with our SMS program or have questions about messages you are receiving:

• Reply HELP to any text message from +1 (972) 787-4361 — you will receive an automated response with support information

• Email us at hello@moneywithmichaelmac.com

• Visit our website at www.moneywithmichaelmac.com

We aim to respond to all support inquiries within 1 to 2 business days.

Our SMS program is compatible with most major U.S. wireless carriers, including but not limited to:

• AT&T

• Verizon

• T-Mobile

• Sprint (now part of T-Mobile)

• US Cellular

• Boost Mobile

• Cricket Wireless

• Metro by T-Mobile

Carrier support is not guaranteed for all carriers. If you experience issues receiving messages, please contact your carrier or reach out to us directly.

Your mobile phone number and SMS communication data are handled in accordance with our full Privacy Policy, available at www.moneywithmichaelmac.com/privacy-policy.

Specifically regarding SMS data:

• We collect and store your mobile phone number solely for the purpose of sending messages you have opted in to receive

• We do not sell, rent, or share your mobile phone number with third-party marketers

• Your phone number may be shared with our SMS platform provider solely to facilitate message delivery

• SMS opt-in data and consent records are stored securely and used only for message delivery and compliance documentation

For full details on how we handle your personal information, please review our Privacy Policy.

By participating in our SMS program, you agree that you will not:

• Provide a phone number that you do not own or are not authorized to use

• Use our SMS program for any unlawful or unauthorized purpose

• Impersonate any person or entity when communicating with us via SMS

• Attempt to interfere with, disrupt, or circumvent our SMS systems

We reserve the right to terminate your access to our SMS program at our discretion if we believe these terms are being violated.

Money with Michael Mac provides financial education and retirement coaching services. SMS messages sent through our program are for informational and educational purposes only. Nothing communicated via SMS constitutes licensed financial advice, investment recommendations, or a formal client-advisor relationship.

We make no guarantees about the timeliness of SMS delivery, as message delivery is subject to network availability and wireless carrier conditions. We are not responsible for any delays, failures, or errors in message delivery outside of our control.

We reserve the right to update or modify these SMS Terms & Conditions at any time. When material changes are made, we will:

• Update the 'Last Updated' date at the top of this document

• Notify active SMS subscribers of significant changes via text message

• Post the revised terms on our website

Your continued participation in our SMS program after any changes constitutes your acceptance of the updated terms.

If you have any questions about these SMS Terms & Conditions or our text messaging program, please contact us:

Money with Michael Mac

SMS Number: +1 (972) 787-4361

Email: 

info@moneywithmichaelmac.com

Website: www.moneywithmichaelmac.com

Location: United States

These SMS Terms & Conditions were last reviewed and approved on March 21, 2026.