Privacy Policy

Effective Date: June 8, 2025

Money Night Live ("we," "us," or "our") operates the website moneynightlive.com (the "Website"). This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you visit and interact with our Website, especially concerning our use of cookies and other tracking technologies.

We are committed to protecting your privacy and handling your data in a transparent and secure manner, in compliance with applicable data protection laws, including the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA), where applicable.

1. Information We Collect

We collect various types of information from and about users of our Website, which may include personal information:

Information You Provide to Us:

Contact Information: If you fill out forms, subscribe to our newsletter, or contact us, we may collect your name, email address, and any other information you choose to provide in your message.
Financial Education Preferences: Information you provide about your financial interests or educational needs.
Comments and Feedback: If you leave comments on our blog posts or provide feedback, we collect the content of your comment and your name/email address (if provided).
Information We Collect Automatically (through Cookies and Tracking Technologies):

Usage Data: When you visit our Website, we automatically collect certain information about your device and how you interact with our site. This includes:
Your IP address
Browser type and version
Operating system
Referring website address
Pages you visit on our Website
Time and date of your visit
Duration of your visit
Click-stream data (e.g., links clicked)
Device Information: Information about the device you use to access our Website, such as device type, unique device identifiers, and mobile network information.

2. How We Collect Information

We collect information through the following methods:

Directly from You: When you voluntarily provide it to us through forms, subscriptions, or direct communication.
Automatically through Wix and Third-Party Services: Our Website is hosted on Wix.com, which uses cookies and other technologies to collect usage data and facilitate website functionality. We also use third-party services, such as Google Analytics, to help us understand how users interact with our Website.

3. How We Use Your Information

We use the information we collect for various purposes, including:

To Operate and Maintain Our Website: To ensure the proper functioning of our Website and its features.
To Provide and Improve Our Services: To deliver the content and financial education resources you request, and to continuously improve the user experience and offerings on Money Night Live.
To Communicate with You: To respond to your inquiries, send you newsletters, updates, or other information you have requested.
For Analytics and Performance: To monitor and analyze trends, usage, and activities in connection with our Website to understand how our content is being used and to identify areas for improvement. This may include using Google Analytics to gain insights into website traffic and activity.
For Marketing and Advertising (with your consent, where required): To deliver targeted advertising or promotional materials that may be of interest to you, based on your Browse history and preferences.
To Comply with Legal Obligations: To meet our legal and regulatory requirements.
To Protect Our Rights and Interests: To protect our rights, privacy, safety, or property, and that of our users or the public.

4. Cookies and Tracking Technologies

Our Website uses "cookies" and similar tracking technologies to enhance your Browse experience, analyze site usage, and support our marketing efforts.

What are Cookies? Cookies are small text files that are downloaded to your device when you visit a website. They are widely used to make websites work more efficiently, as well as to provide information to the website owners.
Types of Cookies We Use:
Essential Cookies: These cookies are strictly necessary for the Website to function properly (e.g., maintaining user sessions, security). They cannot be switched off in our systems.
Analytics and Performance Cookies: These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site. We use Google Analytics for this purpose.
Functional Cookies: These cookies enable the Website to provide enhanced functionality and personalization (e.g., remembering your preferences).
Marketing and Advertising Cookies: These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant advertisements on other sites.
Third-Party Cookies: Please note that Wix, as our hosting provider, may place certain essential and non-essential cookies. Additionally, third-party services integrated into our Website (e.g., Google Analytics, social media integrations, or any third-party apps you interact with) may also place cookies. We do not control these third-party cookies. Their use is subject to the privacy policies of the respective third parties.
Your Cookie Choices: When you first visit our Website, you will see a cookie consent banner that allows you to manage your cookie preferences. You can choose to accept all cookies, reject non-essential cookies, or customize your settings. You can change your cookie preferences at any time by clicking the "Cookie Settings" link typically found in our Website's footer. Most web browsers also allow you to control cookies through their settings.

5. How We Share Your Information

We may share your personal information in the following circumstances:

With Wix.com: As our website hosting provider, Wix processes data on our behalf. Wix's privacy policy is available on their website.
With Third-Party Service Providers: We may share your information with third-party vendors, consultants, and other service providers who perform services on our behalf, such as website analytics (e.g., Google Analytics), marketing, and technical support. These service providers are obligated to protect your information and use it only for the purposes for which it was provided.
For Legal Reasons: We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court order or government agency).
To Protect Our Rights: We may disclose your information where we believe it is necessary to investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, situations involving potential threats to the safety of any person, or as evidence in litigation in which we are involved.
Business Transfers: In connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business by another company.
With Your Consent: We may share your information with other third parties when you give us explicit consent to do so.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Once the retention period expires, we will securely delete or anonymize your information.

7. Your Privacy Rights

Depending on your location and applicable laws, you may have the following rights regarding your personal information:

Right to Access: You have the right to request a copy of the personal information we hold about you.
Right to Rectification: You have the right to request that we correct any inaccurate or incomplete personal information we hold about you.
Right to Erasure ( "Right to be Forgotten"): You have the right to request that we delete your personal information, under certain conditions.
Right to Restrict Processing: You have the right to request that we restrict the processing of your personal information, under certain conditions.
Right to Object to Processing: You have the right to object to our processing of your personal information, under certain conditions, particularly where we process it for direct marketing purposes.
Right to Data Portability: You have the right to receive your personal information in a structured, commonly used, and machine-readable format and to transmit that data to another controller, under certain conditions.
Right to Withdraw Consent: If we are relying on your consent to process your personal information, you have the right to withdraw that consent at any time. This will not affect the lawfulness of processing based on consent before its withdrawal.
Right to Opt-Out of Sale/Sharing (for California Residents): If you are a California resident, you have the right to opt-out of the "sale" or "sharing" of your personal information, as those terms are defined under the CCPA. We do not "sell" your personal information in the traditional sense (e.g., for monetary compensation), but we may "share" certain data (e.g., for cross-context behavioral advertising) with third parties through cookies. You can exercise this right through our cookie consent banner.
To exercise any of these rights, please contact us using the contact information provided below. We will respond to your request in accordance with applicable law.

8. Data Security

We implement reasonable technical and organizational measures designed to protect your personal information from unauthorized access, disclosure, alteration, and destruction. However, no method of transmission over the Internet or method of electronic storage is 100% secure. Therefore, we cannot guarantee its absolute security.

9. Children's Privacy

Our Website is not intended for children under the age of 18, and we do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18 without verifiable parental consent, we will take steps to delete that information.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will post any changes on this page with an updated "Effective Date." We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

11. Contact Us

If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact us at:

Email: [moneynightlive001@gmail.com]