Introduction
Wealth Decoded ("we," "us," "our") is operated by DJLRC Inc. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you visit wealthdecoded.com (the "Site"), enroll in our courses, use our tools and services, or otherwise interact with us.
By accessing the Site or using our services, you agree to this Privacy Policy.
1. Information We Collect
We collect information in the following ways:
1.1 Information You Provide Directly
- Name, email, phone (if provided), age, and location.
- Account credentials (passwords are encrypted and never stored in plain text).
- Payment information processed by third party processors (not stored on our servers).
- Enrollment selections, scholarship application responses, and referral details.
- Coaching communications and community posts/messages.
- Any other information voluntarily provided through forms or email.
1.2 Information Collected Automatically
- IP address, browser/version, operating system, and device type.
- Pages visited, navigation patterns, date/time of visits, and referring sources.
- Cookies and similar tracking technologies.
1.3 Information from Third Parties
- Payment status confirmations from payment processors.
- Aggregated analytics from analytics partners.
- Social channel and referral partner information where applicable.
2. How We Use Your Information
We use personal information to:
- Create and manage accounts and enrollments.
- Process payments, billing, and refunds.
- Deliver course tools, coaching sessions, and community services.
- Evaluate scholarship applications.
- Send enrollment, account, and support communications.
- Send marketing communications with consent (opt out available anytime).
- Improve services, detect fraud, and enforce terms.
- Comply with legal obligations.
We do not sell personal information.
3. How We Share Your Information
We do not sell, rent, or trade personal information. Limited sharing includes:
3.1 Service Providers such as payment processors, email delivery tools, hosting, analytics, support systems, video hosting, and community platforms.
3.2 Legal Requirements where disclosure is required by law or necessary for safety, rights, fraud investigation, or legal response.
3.3 Business Transfers where information may transfer during merger, acquisition, sale, or bankruptcy.
3.4 Consent Based Sharing where you explicitly authorize sharing.
3.5 Aggregated / De Identified Data that cannot reasonably identify you.
4. Data Retention
Retention periods generally include:
- Account/enrollment data: account duration + 3 years.
- Payment records: 7 years for tax/financial requirements.
- Scholarship applications: 2 years after each cycle.
- Community content: membership duration + 1 year.
- Coaching records: 3 years after session date.
- Marketing preferences: until opt out and preference archival.
- Aggregated analytics: retained in anonymized form.
5. Cookies and Tracking Technologies
5.1 Essential Cookies are required for core site functionality and security.
5.2 Analytics Cookies help us understand site usage and improve experiences.
5.3 Marketing Cookies are used only with consent where required.
5.4 Managing Cookies can be done via browser settings; disabling cookies may impact site functionality.
6. Data Security
We use administrative, technical, and physical safeguards, including SSL/TLS encryption in transit, secure password hashing, least privilege access controls, and PCI aligned payment processing through third party providers.
No method of transmission or storage is 100% secure. If you suspect unauthorized account access, contact privacy@wealthdecoded.com.
7. Your Rights and Choices
Depending on your jurisdiction, you may have rights to access, portability, correction, deletion, and marketing opt out.
To request rights exercise, contact privacy@wealthdecoded.com. We may verify identity before processing requests and typically respond within 30 days.
8. California Privacy Rights (CCPA)
California residents may have rights to know, delete, and receive non discriminatory treatment for exercising CCPA rights. Wealth Decoded does not sell personal information.
9. Children's Privacy
Services are not directed to children under 14, and we do not knowingly collect personal information from children under 14.
Users ages 14-17 require parental consent for enrollment. The Student & Parent(s) Combo supports supervised participation.
10. Third Party Links
Our Site may link to third party sites or tools not operated by us. We are not responsible for third party privacy practices and encourage review of those policies.
11. International Users
Services are operated from the United States. By using our services from outside the U.S., you consent to transfer and processing of data in the U.S.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Material updates will be communicated through site notice or email where appropriate. Continued use after changes constitutes acceptance.
13. Contact Us
DJLRC Inc. d/b/a Wealth Decoded
Email: privacy@wealthdecoded.com
Website: wealthdecoded.com
Mailing address available upon legal finalization.