SMART MONEY BROKE MINDS — PRIVACY POLICY

Last Updated: September 28, 2026

Smart Money Broke Minds ("SMBM", "we", "us", or "our") is committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, store, and protect your information when you use our website at smartmoneybrokeminds.com and our web application at app.smartmoneybrokeminds.com (collectively, the "Platform").

By accessing or using our Platform, creating an account, or making a purchase, you acknowledge that you have read, understood, and agreed to this Privacy Policy.

1. WHO WE ARE

Smart Money Broke Minds is a financial education platform and community operated by Smart Money Broke Minds LLC, a Florida limited liability company.

• Website: smartmoneybrokeminds.com

• App: app.smartmoneybrokeminds.com

• Contact: smbm@smbm.site

2. INFORMATION WE COLLECT

A. Information You Provide Directly:

• Full name and email address when creating an account

• Password (stored securely — we never see your plain-text password)

• Profile information including display name, bio, and avatar photo

• Phone number, if you choose to provide one

• Payment information (processed securely by Stripe — we do not store card numbers)

• Content you post in community chat rooms including text, images, videos, and voice notes

• Direct messages you exchange with SMBM staff, including admins, partners, and instructors

• SMBM Journal entries, including trades, setups, notes, and discipline ratings you record

• Information you provide when purchasing event tickets or booking consultations, such as your name, email address, and payment details

• Email address and name when you sign up for free resources, newsletters, or other email lists

• Recordings of consultation and coaching calls, as described in our Terms and Conditions

• Communications you send to us via email

B. Information Collected Automatically:

• IP address and general location data

• Browser type, device type, and operating system

• Pages visited, features used, and time spent on the Platform

• Course progress and video viewing activity

• Login and logout timestamps

• Cookies and similar tracking technologies (see Section 7)

C. Information From Third-Party Services:

• Stripe — payment processor for memberships, programs, and event tickets. We receive confirmation of payment status and a customer ID. We do not receive or store full card details

• Supabase — our database and authentication provider. Your account data, community posts, direct messages, journal entries, and subscription status are stored securely in Supabase

• Vercel — our hosting provider. May collect server logs including IP addresses

• Bunny.net — our video streaming provider. Receives your IP address and video playback data when you watch course videos

• Hostinger — hosts our website and business email, sends account and billing emails, and provides our email marketing service

• Calendly — our consultation booking provider. Receives the information you provide when scheduling a consultation

3. HOW WE USE YOUR INFORMATION

We use the information we collect to:

• Create and manage your account

• Process your subscription, program, installment, and event payments and verify your membership tier

• Provide access to courses, community rooms, and platform features based on your subscription

• Display your profile information and community posts to other members

• Deliver direct messages between you and SMBM staff

• Store and display your SMBM Journal entries to you

• Stream course videos and track your course progress

• Send you important account notifications, billing updates, payment reminders, and platform announcements

• Send you marketing emails and newsletters if you sign up for them, which you can unsubscribe from at any time

• Schedule and conduct consultations, and record calls for legal compliance, quality assurance, and training purposes

• Respond to your support requests and inquiries

• Enforce our Terms and Conditions and community rules

• Detect and prevent fraud, abuse, and security threats

• Improve our Platform features and user experience

• Comply with legal obligations

We do NOT sell your personal information to third parties. We do not use your information for automated decision-making that produces legal or similarly significant effects.

4. HOW WE SHARE YOUR INFORMATION

Service Providers:

• Stripe — payment processing — email, payment amount, and subscription or purchase status

• Supabase — database and authentication — account data, posts, direct messages, journal entries, and subscription tier

• Vercel — app hosting and deployment — server logs and IP addresses

• Bunny.net — course video streaming — IP address and video playback data

• Hostinger — website, business email, account and billing emails, and email marketing — name, email address, and email activity

• Calendly — consultation booking and payment — information you provide when booking

Other Sharing:

• Community content you share in community rooms is visible to other members with access to that room

• Content in the Rich Mindset Coaching room is visible only to Rich Mindset Coaching members and SMBM administrators

• Free Mindset preview content is visible to all Smart Money Community members

• Partners and instructors who moderate community rooms may see your posts and username in those rooms

• Direct messages are visible only to you and the SMBM staff member in that conversation, and may be reviewed by SMBM when needed to investigate a reported concern or comply with legal obligations

• SMBM Journal entries are private to you, and SMBM will not display your individual journal entries or statistics to other members without your consent

• We may disclose your information if required by law, court order, or government authority

• We may share information to protect the rights, property, or safety of SMBM, our members, or the public

• In the event of a merger, acquisition, or sale of SMBM, your information may be transferred to the new owner with advance notice

5. DATA STORAGE & SECURITY

• Your account data is stored securely in Supabase using encrypted connections and row-level security policies

• Passwords are hashed and never stored in plain text

• Payment information is processed and stored by Stripe, which is PCI-DSS compliant. SMBM never stores your full card number, CVV, or sensitive payment details

• Media files you upload, including images, videos, and voice notes, are stored in Supabase Storage with access controls

• Course videos are hosted on Bunny.net and delivered through secure, access-controlled links available only to members with active access

• Our Platform is served over HTTPS — all data transmitted between your browser and our servers is encrypted

• We implement reasonable administrative and technical safeguards to protect your data

Important: No method of electronic transmission or storage is 100% secure. While we take reasonable steps to protect your information, we cannot guarantee absolute security. You use our Platform at your own risk.

6. DATA RETENTION

• We retain your account information for as long as your account exists

• Canceling your membership does not delete your account; your account data is retained so you can rejoin later, unless you request deletion

• Community posts and content may be retained even after account deletion at SMBM's discretion, as they form part of the community record

• Direct message history may be retained after messaging access is removed, for moderation, compliance, and quality assurance purposes

• SMBM Journal entries are retained for as long as your account exists and are deleted along with your account when you request deletion

• Consultation and coaching call recordings are retained for as long as needed for legal compliance, quality assurance, and training purposes

• Payment records are retained as required by law and for accounting purposes

• If you sign up for our email list, your email address is retained until you unsubscribe

• You may request deletion of your account and personal data at any time by emailing smbm@smbm.site; we will respond within 30 days, and some information may be kept where required by law

7. COOKIES & TRACKING

Our Platform uses cookies and similar technologies to enhance your experience:

• Essential cookies — required for login sessions and platform functionality. Cannot be disabled

• Authentication tokens — Supabase uses secure session tokens stored in cookies to keep you logged in

• Analytics cookies — we may use basic analytics on our website and app to understand how visitors and members use the Platform

• Third-party cookies — services built into the Platform, such as Stripe checkout, Bunny.net video playback, and Calendly booking, may set their own cookies under their own privacy policies

By using our Platform you consent to the use of essential cookies. You may control optional cookies through your browser settings, but disabling essential cookies will prevent you from logging in.

8. CHILDREN'S PRIVACY

Our Platform is intended for users who are 18 years of age or older. We do not knowingly collect personal information from anyone under the age of 18. If you believe a minor has provided us with personal information, please contact us immediately at smbm@smbm.site and we will take steps to delete that information.

9. YOUR RIGHTS & CHOICES

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

• Right to Access — Request a copy of the personal information we hold about you

• Right to Rectification — Request correction of inaccurate or incomplete information

• Right to Erasure — Request deletion of your personal information subject to legal retention requirements

• Right to Restrict Processing — Request that we limit how we use your data

• Right to Data Portability — Request your data in a portable format

• Right to Object — Object to processing of your personal data for certain purposes

• Right to Opt Out of Marketing — Unsubscribe from promotional emails at any time using the unsubscribe link in any marketing email

To exercise any of these rights, email us at smbm@smbm.site. We will respond within 30 days. We may need to verify your identity before processing certain requests.

You can update your profile information and manage your membership and billing directly in the app under Settings. Account and billing emails, such as payment confirmations and billing reminders, are part of your membership and are not marketing emails.

10. CALIFORNIA RESIDENTS (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• The right to know what personal information we collect, use, disclose, and sell

• The right to delete your personal information

• The right to opt out of the sale of your personal information

• The right to non-discrimination for exercising your CCPA rights

We do not sell your personal information. To exercise your CCPA rights, contact us at smbm@smbm.site

11. EUROPEAN RESIDENTS (GDPR)

If you are located in the European Economic Area, United Kingdom, or Switzerland, you have additional rights under the General Data Protection Regulation (GDPR). Our legal basis for processing your data includes:

• Contract performance — processing necessary to provide your subscription and Platform access

• Legitimate interests — fraud prevention, security, and Platform improvement

• Consent — for optional cookies and marketing communications

• Legal obligation — compliance with applicable laws

Your data may be transferred to and processed in the United States. We take steps to ensure appropriate safeguards are in place for such transfers. To exercise your GDPR rights, contact us at smbm@smbm.site

12. PARTNER & INSTRUCTOR DATA

Partners and instructors who contribute content to the Platform are subject to additional confidentiality obligations outlined in their Partner & Instructor Agreement. Partner access to member data is limited to what is necessary to perform their moderation and content responsibilities within their assigned course room, and to the direct message conversations they are part of. Partners do not have access to the Rich Mindset Coaching room

13. THIRD-PARTY LINKS

Our Platform may contain links to third-party websites including course resources, webinar platforms, and external tools. We are not responsible for the privacy practices of those websites. We encourage you to review the privacy policies of any third-party sites you visit.

14. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes we will notify you by updating the Last Updated date at the top of this policy and where appropriate by sending you an email notification. Your continued use of the Platform after changes are posted constitutes your acceptance of the updated policy.

15. GOVERNING LAW

This Privacy Policy is governed by the laws of the State of Florida. Any disputes relating to this Privacy Policy shall be resolved in accordance with the dispute resolution provisions in our Terms and Conditions.

16. CONTACT US

If you have any questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact us:

Smart Money Broke Minds LLC
Email: smbm@smbm.site
Website: smartmoneybrokeminds.com
App: app.smartmoneybrokeminds.com
Location: State of Florida, United States

Educational content only. Not financial advice. All investments carry risk.