Privacy Policy

🔒 Privacy Policy for 4 Minute Finance LLC

Effective Date: April 11, 2025
Last Updated: March 29, 2026

This Privacy Policy describes how 4 Minute Finance (“we,” “us,” or “our”) collects, uses, discloses, and safeguards your personal information when you access our website, purchase our courses, or engage with our educational services.

 

1. Who We Are

4 Minute Finance is a Texas-based financial education company that provides online courses, coaching, and digital content to help individuals grow wealth through financial literacy. We do not currently manage client financial assets nor portray ourselves to have any financial guarantees as a result of our educational courses.

 

Contact Details:
Legal Entity: 4 Minute Finance LLC
Business Address: 30 N Gould St, Suite #11180, Sheridan, WY 82801
Email: [email protected]
Phone: (307) 291-3500
Data Controller: 4 Minute Finance (as defined under applicable laws)

 

2. What We Collect

We collect the following types of information:

1. Personal Data

• Name
• Email address
• Payment information (processed securely via Stripe, Amazon Pay, or PayPal)
• IP address

1. Usage Data

• Login timestamps
• Course progress and quiz completions (via LearnDash)
• Clicks, device/browser info
• Referral source (e.g., marketing campaign)

1. Voluntarily Submitted Financial Data

• Budget estimates, savings goals, or investment data entered into our calculators, downloadable tools, or coaching worksheets

Note: We do not request or store Social Security Numbers, driver’s license numbers, or full bank account credentials unless explicitly stated and required for a specific, opt-in service.

 

3. How We Use Your Information

Purpose	Legal Basis
To provide access to courses and coaching	Contractual necessity
To process payments	Legal obligation (tax, accounting)
To send newsletters, reminders, and promotional emails	Consent (opt-in)
To improve our site and user experience	Legitimate interest
To respond to support inquiries	Contractual necessity
To comply with legal obligations	Legal obligation

 

4. Your Privacy Rights

You may, at any time:

• ✅ Request access to your personal data
• ✅ Request correction or deletion
• ✅ Request data portability (e.g., export your course progress)
• ✅ Withdraw consent (unsubscribe from emails)
• ✅ File a complaint with a regulator

Wyoming Residents:

We comply with Wyoming Business & Commerce Code. We will respond to verified requests within 30 days.

California Residents (CPRA)

While we do not actively target California residents, if you are a resident, you may have additional rights under the California Privacy Rights Act, including the right to limit use of sensitive personal information.

To exercise any of these rights, email us at: [email protected]

 

5. Third-Party Tools & Service Providers

We partner with third-party platforms to deliver our services. These providers process your data per their own privacy policies and under contractual agreements that require confidentiality.

 

Our Key Partners Include:

• Stripe / PayPal – for secure payments
• LearnDash – course hosting and progress tracking
• MailerLite / MailPoet – email newsletter and automation
• Google Analytics – usage analytics and website optimization

We do not permit third-party providers to use your data for their own marketing purposes.

 

6. Cookies and Tracking Technologies

We use cookies and similar technologies for functionality and analytics.

Types of Cookies:

• Essential Cookies: Required for login and account management
• Performance Cookies: Track usage patterns via Google Analytics
• Marketing Cookies: May be used with consent to track referrals and advertising effectiveness

You can manage cookie preferences via your browser settings.

 

7. Children’s Privacy

Our platform is not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If a child has submitted data, please contact us so we can delete it immediately.

 

8. Data Security

We take appropriate security measures to protect your data:

• SSL encryption (HTTPS)
• PCI-compliant payment processing
• Secure access controls for staff
• Regular security audits and plugin updates

No method of transmission over the internet is 100% secure, but we do our best to protect you.

 

9. Data Retention

We retain your data:

• For as long as your account is active
• For legal and accounting obligations (typically 7 years for tax records)
• Until you request deletion (unless restricted by legal need)

Voluntarily submitted data through budgeting or investment tools is stored only as long as necessary to provide the tool’s intended function.

 

10. International Users

Although we are a U.S.-based company, international visitors may access our site. If you’re located in the EU/UK, you may have GDPR rights including data access, erasure, and processing limitation. We will honor such rights to the extent legally required.

 

11. Policy Changes

We may update this Privacy Policy from time to time. If major changes occur, we’ll notify you via:

• Email (if you’re subscribed)
• A banner or notice on our website

 

12. Dispute Resolution

If you have a concern or dispute regarding our handling of your personal data, please contact us first at [email protected]. We aim to resolve complaints directly. If unresolved, you may contact the Wyoming Attorney General or a relevant privacy regulator.

 

13. Contact Us

If you have questions, comments, or concerns about this Privacy Policy:

4 Minute Finance LLC
30 N Gould St, Suite #11180, Sheridan, WY 82801
📧 Email: [email protected]
📞 Phone: (307) 291-3500