Disclosure/Terms of Use and Privacy Policy

The following terms (“Terms of Use”) constitute an agreement between Stellar Brands, LLC (“Millennial Money Man” or “we”), and you that governs your use of this website and all of its associated services, content, and functionality. This policy applies to the website administered by Millennial Money Man (the “Website”), located at https://millennialmoneyman.com/. Millennial Money Man, owner and operator of the Website, is a limited liability company formed under the laws of the state of Texas, United States.

Your use of the Website constitutes your acceptance of, and agreement to, the following Terms of Use. Millennial Money Man reserves the right to modify, alter, amend or update its Website, policies and these Terms of Use. These Terms of Use are subject to change without notice. If you do not agree with or do not accept any part of these Terms of Use, you must not use the Website.

These Terms of Use contain:

Purchase Policies
Privacy Policy
Disclaimer
Terms of Use

PURCHASE POLICIES

On the Website, you may purchase certain products, such as a course (“Products”).

Refund Policy

Refunds are not available for Products.

REGISTRATION & RESTRICTED ACCESS

Access to certain areas of the Website may be restricted. Millennial Money Man reserves the right to restrict areas of the Website at its sole discretion.

Some restricted areas of the Website may be made available to you as a registered user. When you are registered, you are required to create a user profile, which may include a username and password (“User Account”). You agree to keep your username and password confidential. You may not use as a username the name of another person or entity that is not lawfully available for use, a name or trademark that is subject to any rights or another person or entity or is offensive, vulgar or obscene. If you suspect your password has been compromised, you must notify Millennial Money Man immediately at [email protected]. Millennial Money Man will not be liable for any loss caused by the unauthorized use of your account; however, you may be liable to Millennial Money Man or other third parties for any losses incurred due to such unauthorized use.

When you create a User Account with Millennial Money Man, you guarantee that you are 18 years of age or older, are able to consent to these Terms of Use, and that the information you provide to us is accurate, complete, and current at all times. Violation of this paragraph may result in the immediate termination of your User Account without refund, in Millennial Money Man’s sole discretion.

Millennial Money Man may disable your username and password at its sole discretion, refuse to register a user for the Service, remove or edit any content contributed to the Website or cancel any User Account. Millennial Money Man may, without notice, refuse access to its Website, in whole or part, to any person that fails to comply with these Terms.

Millennial Money Man reserves the right to modify methods for registration and access levels of registered users from time to time.

LICENSE FOR USE OF PRODUCTS

All Products available for sale on the Website were developed solely for your personal use and may not be reproduced for publication or for the personal or commercial use of others without permission.

PRIVACY POLICY

The following privacy policy (“Privacy Policy”) sets forth Stellar Brands, LLC’s (“Millennial Money Man”) policy with respect to information, including personally identifiable data (“Personal Data”) and other information, Millennial Money Man collects from visitors to the Millennial Money Man website located at https://millennialmoneyman.com/ (“Website”). Millennial Money Man, owner and operator of the Website, is a limited liability company formed under the laws of the state of Texas, United States.

We respect your privacy and are committed to protecting it. The purpose of this Privacy Policy is to inform you what Personal Data we may collect and how it may be used. This statement only applies to this Website. This Privacy Policy does not apply to information of any kind that we collect by means (including offline means) or from sources other than those specified herein.

WHAT INFORMATION DO WE COLLECT AND HOW IS IT USED?

Information You Voluntarily Submit to the Website: The Website may collect personal information from you such as your name or email address. For example, you may voluntarily submit information to the Website by leaving a comment, subscribing to a newsletter, or submitting a contact form. Personal Data may include, but is not limited to, your name, email address and phone number.

Our legal basis for processing this information is your consent, and by voluntarily providing us with Personal Data, you are consenting to our use of it in accordance with this Privacy Policy. If you provide Personal Data to us, you acknowledge and agree that such Personal Data may be transferred and stored from your current location to the offices and servers of Millennial Money Man and the authorized third parties referenced below.

Information We Collect from Others: The Website may receive information about you from other sources. For example, if you use a third-party software through the site, they may transfer information to us for fulfillment. We do not control the data privacy or protection policies of third parties, and we are not responsible for the privacy practices of these third parties. Our legal basis for processing this information is our legitimate interests, namely monitoring and improving our services, and the legitimate interests of our customers.

Automatically-Collected Information: The Website automatically collects certain information about you and the device with which you access the Website. For example, when you use the Website, The Website will log your IP address, operating system type, browser type, referring website, pages you viewed, and the dates/times when you accessed the Website. The Website may also collect information about actions you take when using the Website, such as links clicked.

Cookies: The Website may log information using cookies, which are small data files stored on your browser by the Website. The Website may use both session cookies, which expire when you close your browser, and persistent cookies, which stay on your browser until deleted, to provide you with a more personalized experience on the Website.

HOW YOUR INFORMATION MAY BE USED

The Website may use the information collected in the following ways:

To operate and maintain the Website;
To send you promotional information, such as newsletters. Each email promotion will provide information on how to opt-out of future mailings;
To send you administrative communications, such as administrative emails, confirmation emails, technical notices, updates on policies, or security alerts;
To respond to your comments or inquiries;
To provide you with user support;
To track and measure advertising on the Website; or,
To protect, investigate, and deter against unauthorized or illegal activity.

LEGAL BASES FOR PROCESSING DATA UNDER THE GENERAL DATA PROTECTION REGULATION (“GDPR”)

Below are the types of lawful basis that we will rely on to process your Personal Data:

Legitimate Interest means the interest of our business in conducting and managing our business to enable us to give you the best service/product and the best and most secure experience. We make sure we consider and balance any potential impact on you (both positive and negative) and your rights before we process your Personal Data for our legitimate interests. We do not use your Personal Data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law). You can obtain further information about how we assess our legitimate interests against any potential impact on you in respect of specific activities by contacting us at [email protected].
Performance of Contract means processing your data where it is necessary for the performance of a contract to which you are a party or to take steps at your request before entering into such a contract.
Comply with a legal or regulatory obligation means processing your Personal Data where it is necessary for compliance with a legal or regulatory obligation that we are subject.
Consent means where you have consented to a certain use of your Personal Data.

THIRD-PARTY USE OF PERSONAL INFORMATION

Millennial Money Man may share your Personal Data with certain third parties as set forth below:

Third Party Vendors: We may share your information with third party vendors or service providers who help us provide the Services or the Website, including database hosting and data processing services, and assist us in responding to requests by you for information that you request.

Parent Companies and Affiliates: We may share your information with a parent company, any subsidiaries, joint ventures, or other companies under a common control (collectively, “Affiliates”), provided that we require our Affiliates to honor this Privacy Policy.

Business Transfers: As we develop our business, we might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, dissolution or similar event, Personal Data may be part of the transferred assets.

Related Companies: We may also share your Personal Data with our Related Companies for purposes consistent with this Privacy Policy.

Third Parties with Permission: We may share your information with third parties to whom you ask us to send your information.

Agents, Consultants, and Related Third Parties: Millennial Money Man, like many businesses, sometimes hires other companies to perform certain business-related functions. Examples of such functions include mailing information, maintaining databases and processing payments. When we employ another entity to perform a function of this nature, we only provide them with the information that they need to perform their specific function.

Legal Requirements: Millennial Money Man may disclose your Personal Data if required to do so by law or in the good faith belief that such action is necessary to (i) comply with a legal obligation or to respond to requests from law enforcement or other government officials relating to investigations or alleged illegal activity or in connection with our own investigation of suspected or actual illegal activity, in which case we may (and you hereby authorize us to) disclose information without subpoenas or warrants served on us, (ii) protect and defend the rights or property of Millennial Money Man, (iii) act in urgent circumstances to protect the personal safety of users of the Website or the public, (iv) protect against legal liability including to resolve disputes, investigate problems, or enforce our Customer contracts.

The Website may share your information with third parties when you explicitly authorize us to share your information. Additionally, the Website may use third-party service providers to service various aspects of the Website. Each third-party service provider’s use of your personal information is dictated by their respective privacy policies. The Website currently uses the following third-party service providers:

Google Analytics, Google Tag Manager and Woopra – these services track Website usage and provides information such as referring websites and user actions on the Website. Google Analytics and Woopra may capture your IP address, but no other personal information is captured by Google Analytics and Woopra. Google Tag Manager may also use a tracking pixel to track your data after you provide information to the Website.
ActiveCampaign and MailChimp – these services are used for delivery of email updates and newsletters. We store your name and email address for purposes of delivering such communications.
OptinMonster – this service is used to provide information to newsletter subscribers. This service may capture your name and email address and any other information you provide.
PushCrew – this service is used to provide push notifications. This service may capture your name and email address and any other information you provide.
Lucky Orange – This service allows us to aggregate scroll and click data on certain pages of our site. It also allows us to collect feedback from people who visit our site. This software may also complete session recordings to allow us to improve the Website; however, it does not attach this usage data to any of your other personally identifiable information.
FullContact – This service allows us to confirm the contact information you provide to us through the Website. You may manage how FullContact utilizes and stores your data through their service.
Thrive Leads – this service is used to provide information to newsletter subscribers. This service may capture your name and email address and any other information you provide.
Influencer Networks – from time to time, as described herein, the Website may post sponsored content which contains tracking pixels for networks. These tracking pixels may capture information such as your IP address to evaluate the effectiveness of the marketing campaigns. This information is not stored on the Website.

At this time, your personal information is not shared with any other third-party applications. This list may be amended from time to time in the Website’s sole discretion.

Except when required by law, Millennial Money Man will not sell, distribute, or reveal your email addresses or other personal information without your consent; however, Millennial Money Man may disclose or transfer personal information collected through the Website to third parties who acquire all or a portion of our business, which may be the result of a merger, consolidation, or purchase of all or a portion of our assets, or in connection with any bankruptcy or reorganization proceeding brought by or against us.

ANONYMOUS DATA

From time to time, Millennial Money Man may use anonymous data, which does not identify you alone, or when combined with data from other parties. This type of anonymous data may be provided to other parties for marketing, advertising, or other uses. Examples of this anonymous data may include analytics or information collected from cookies.

COOKIES

The Website uses cookies to store visitors’ preferences, record user-specific information on what pages users access or visit, ensure that visitors are not repeatedly sent the same banner ads, customize content based on visitors’ browser type or other information that the visitor sends. Cookies may also be used by third-party services, such as Google Analytics, as described herein.

Users may, at any time, prevent the setting of cookies, by the Website, by using a corresponding setting of your internet browser and may thus permanently deny the setting of cookies. Furthermore, already set cookies may be deleted at any time via an Internet browser or other software programs. This is possible in all popular Internet browsers. However, if users deactivate the setting of cookies in your Internet browser, not all functions of our Website may be entirely usable.

ADVERTISING

Retargeting Ads
From time to time, the Website may engage in remarketing efforts with third-party companies, such as Google, Facebook, or Instagram, in order to market the Website. These companies use cookies to serve ads based on someone’s past visits to the Website. This means, after visiting the Website, you may see an ad for our services. However, your personally identifiable information is not used by any remarketing service other than to present you offers from Millennial Money Man. We use the following third-party service providers for remarketing:

Facebook: Opt-out of Facebook remarketing here
Google: Opt-out of Google remarketing here
Microsoft: Opt-out of Microsoft remarketing here.

Sponsored Content Tracking Pixels
This Website may engage in sponsored campaigns with various influencer networks, brands, and agencies. All sponsored content is duly disclosed in accordance with the FTC’s requirements. From time to time, these sponsored campaigns utilize tracking pixels (aka web beacons), which may contain cookies to collect data regarding usage and audience. This information is collected by the sponsoring company to track the results of the campaign. As stated above, these pixels may capture your IP address on behalf of the content sponsor. No personally identifiable information collected by the Website is used in conjunction with these tracking pixels.

Affiliate Program Participation
The Website may engage in affiliate marketing, which is done by embedding tracking links into the Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions.

Millennial Money Man is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and links to Amazon.com. As part of this Amazon Associates program, the Website will post customized links, provided by Amazon, to track the referrals to their website. This program utilizes cookies to track visits for the purposes of assigning commission on these sales.

Newsletters
On the Website, you may subscribe to our newsletter, which may be used for advertising purposes. All newsletters sent may contain tracking pixels. The pixel is embedded in emails and allows an analysis of the success of online marketing campaigns. Because of these tracking pixels, Millennial Money Man may see if and when you open an email and which links within the email you click. Also, this allows Millennial Money Man to adapt the content of future newsletters to the interests of the user. This behavior will not be passed on to third parties.

RIGHTS RELATED TO YOUR PERSONAL INFORMATION

Under laws in certain states or countries in which we operate, customers and other visitors to our Website from those countries have a right to access Personal Data about themselves, and to amend, correct or delete Personal Data that is inaccurate, incomplete or outdated. The following sections will apply, as stated, to the residents of the particular jurisdiction.

Generally, for those in the states and jurisdictions listed below, we will, upon request, provide you with confirmation regarding whether we are processing Personal Data about you, consistent with applicable law. In addition, upon your request, we will take reasonable steps to correct, amend, or delete your Personal Data that is found to be inaccurate, incomplete or processed in a manner non-compliant with this Privacy Policy or applicable law, except where the burden or expense of providing access would be disproportionate to the risks to your privacy, where the rights of persons other than you would be violated or where doing so is otherwise consistent with applicable law. Unless prohibited by applicable law, we reserve the right to charge a reasonable fee to cover costs for providing copies of Personal Data that you request.

Please note that while any amendments, corrections or deletions will be reflected in active user databases (as updated with a reasonable period of time), we may retain all Personal Data for backups, archiving, prevention of fraud and abuse, analytics, and satisfaction of other legal obligations we reasonably believe applicable.

You authorize us to use and disclose any new or modified information that you provide in accordance with this Privacy Policy, and you agree that we are under no obligation to delete or modify information that you have previously chosen to provide us as to which you have not instructed us to take such action. Please remember, however, that if we have already disclosed some of your Personal Data to third parties, we cannot access that Personal Data any longer and cannot force the deletion or modification of any such information by the parties to whom we have made those disclosures.

We may retain your Personal Data to comply with laws, prevent fraud, resolve disputes, troubleshoot problems, assist with any investigations, enforce our contracts, and take other actions otherwise permitted by law.

European Union and United Kingdom

If you are domiciled within the European Union or United Kingdom, you are entitled to certain information and have certain rights under the General Data Protection Regulation (“GDPR”) or UK GDPR. Throughout this policy, we have disclosed what information the Website collects and how it is used. Under these laws, we are a data controller and must provide you with certain information regarding the data we collect, our legal bases for doing so, and your rights related to your data. Our legal bases have been outlined above.

Where we hold your data: Generally, your personal information may be held in our offices (including our affiliates or parent companies), third-party companies, data processors or service providers.

Under GDPR, you have the following rights to your data:

Right to Be Informed – You may be informed as to how we use your personal information. This notice includes much information about this, but you may also inquire with us.
Right to Access – You may access the personal information we have about you by submitting a request.
Right to Opt-out – You may opt-out of future email communications by following the unsubscribe links in our emails. You may also contact us at the email below to be removed from our mailing list. We reserve the right to continue to send transactional emails such as customer service emails or receipts.
Right to Amend/Rectify – You may contact us to amend or update your personal information.
Right to Erase or Be Forgotten – In certain situations, you may request that we erase or forget your personal data.
Right to Restrict Processing – Similar to the right to erase, you may request that we restrict processing of your personal data.
Right to Data Portability – You have the right to port your personal data, when applicable.
Right to Object – In some situations, you may have the right to object to how your personal data is being processed by filing a complaint.
Rights related to Automatic Decision Making and Profiling – You may have the right to not be subject to automatic decision making and profiling.

You may exercise any of these rights by emailing hello@millennialmoneyman.com.

California Privacy Rights

Pursuant to the California Consumer Privacy Act of 2018 (“CCPA”) and the California Privacy Rights Act (“CPRA”), California residents have additional rights related to their data. This Privacy Policy has previously disclosed how we collect information, but California requires that we disclose additional information regarding our data collection practices.

Information Collection and Sharing

The Website collects information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household (“Personal Information”). The Website has collected the following categories of Personal Information from you, which are detailed below.

We may share your Personal Information by disclosing it to a third party for a business purpose. We only make these disclosures under written contracts that describe the purposes, require the recipient to keep the Personal Information confidential, and prohibit using the disclosed information for any purpose other than performing the contract. We have disclosed the information listed in the categories below for a business purpose.

We do not sell your Personal Information OR We may also share your personal information by selling it to third parties, subject to your right to opt out of those sales.

In the preceding 12 months, we have completed the activities listed below in the categories covered by CCPA and CPRA.

Identifiers:

This category includes your: real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol (“IP”) address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers.

The Website does collect information in this category when you submit it to us for the purpose of receiving newsletters, leaving comments on posts, or making purchases.
The Website has not sold the following information in this category in the past twelve months.
The Website has disclosed the following information in this category in the past twelve months for a business purpose to fulfill voluntary requests, such as sending newsletters and granting access to purchased materials: name, address, email address.

Personal Information as Described in California Customer Records Statute (CA Code 1798.80):

This includes your: name, signature, social security number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.

The Website does collect information in this category when you submit it to us for the purpose of receiving newsletters, leaving comments on posts, or making purchases. Typically the only information we collect in this category is your name.
The Website has not sold the following information in this category in the past twelve months.
The Website has disclosed the following information in this category in the past twelve months for a business purpose to fulfill voluntary requests, such as sending newsletters and granting access to purchased materials: name. If you make a purchase on the Website, our financial provider will collect your financial information in order to fulfill the transaction. We do not receive access to this information.

Protected Classification Characteristics (under California or federal law).

This includes: Age (over age 40), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental health disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, or genetic information.

The Website does not collect information in this category.
The Website has not sold the information in this category in the past twelve months.
The Website has not disclosed the information in this category in the past twelve months for a business purpose.

Commercial Information:

This includes records of personal property, products, or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.

The Website does collect information in this category, only related to purchases you have made through the Website. We may receive information about your purchases from our affiliate partners, if it is part of their policy to share purchase information with affiliates.
The Website has not sold the information in this category in the past twelve months.
The Website has disclosed the following information in this category in the past twelve months for a business purpose: product/service purchases made through the Website. The business purpose was to fulfill your purchases and to market to our audience.

Biometric Information:

This includes: an individual’s physiological, biological or behavioral characteristics, including an individual’s DNA, that can be used, singly or in combination with each other or with other identifying data, to establish individual identity.

The Website does not collect information in this category.
The Website has not sold the information in this category in the past twelve months.
The Website has not disclosed the information in this category in the past twelve months for a business purpose.

Internet or Other Electronic Network Activity Information:

This includes, but is not limited to, browsing history, search history, and information regarding a consumer’s interaction with the Website, application, or advertisement.

The Website does collect information in this category, which may include browsing history and search history for actions taken on the Website. This is used to aid in the performance and improvements of the Website.
The Website has not sold information in this category in the past twelve months.
The Website has disclosed the following information in this category in the past twelve months for a business purpose: browsing habits and information related to your interaction with the Website. The business purpose was to aid in our improvements to the Website and to track user activity. This information is typically anonymized. We may also use this information to market our products and services to you, but it is not shared with third parties.

Geolocation Data:

This includes your physical location or movements.

The Website does collect information in this category to aid Company in understanding the location of the Website’s visitors; however, the information is anonymized and is not used in connection with your other personal information.
The Website has not sold the information in this category in the past twelve months.
The Website has not disclosed the information in this category in the past twelve months for a business purpose.

Audio, Electronic, Visual, Thermal, Olfactory, or Other Similar Information:

The Website does not collect information in this category.
The Website has not sold the information in this category in the past twelve months.
The Website has not disclosed the information in this category in the past twelve months for a business purpose.

Professional or Employment-related information:

This may include your current or past employment history or other information related thereto.

The Website does not collect information in this category.
The Website has not sold the information in this category in the past twelve months.
The Website has not disclosed the information in this category in the past twelve months for a business purpose.

Education Information:

This is defined as information that is not publicly available personally identifiable information as defined in the Family Educational Rights and Privacy Act, which includes: records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, schedule, student identification codes, student financial information, or student disciplinary records.

The Website does not collect information in this category.
The Website has not sold the information in this category in the past twelve months.
The Website has not disclosed the information in this category in the past twelve months for a business purpose.

Inferences Drawn from Personal Information:

This includes inferences drawn from the Personal Information collected by the Website to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

The Website does not collect information in this category.
The Website has not sold information in this category in the past twelve months.
The Website has not disclosed information in this category in the past twelve months for a business purpose.

Use of Your Personal Information under CCPA and CPRA

All uses of your Personal Information are provided within this Privacy Policy and are incorporated into your rights under CCPA and CPRA.

Rights related to Your Personal Information under CCPA and CPRA

CCPA and CPRA provide California residents with specific rights regarding their Personal Information. This section describes your rights and explains how to exercise those rights.

Right to Access – You have the right to request that we disclose certain information to you about the personal information we collect and how it has been used over the past 12 months. After we receive and confirm your verifiable consumer request, we will disclose the following:

The categories of your personal information we collected;
The categories of your personal information we sold;
The categories of any third parties to whom we have sold your personal information;
A list of which categories of your personal information we sold to each party; and,
The categories of your personal information we disclose for business purposes.

Right to Deletion – You have the right to request that we delete your personal information.

Please note that this right does not apply when we need to retain your personal information to do the following:

Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, or otherwise perform our contract with you.
Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
Debug products to identify and repair errors that impair existing intended functionality.
Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.
Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
Comply with a legal obligation.

Right to Non-Discrimination – You have the right not to be discriminated against for exercising your rights under CCPA. In particular, we may not:

Deny you goods or services;
Charge you different prices for goods or services, whether through denying benefits or imposing penalties;
Provide you with a different level or quality of goods or services; or,
Threaten you with any of the above.

Opt-Out of Sale of Personal Information

Information is shared for a business purpose with third-party vendors who aid us with our marketing. While this is for a business purpose, if you would like to opt-out, visit this page.

How to submit a verifiable consumer request

To exercise these rights, you must submit a verifiable consumer request to us by contacting us at [email protected].

Please note that only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a request on behalf of a minor child.

You may only make a request under these rights twice in a twelve-month period. Your verifiable consumer request must:

Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information (or that it is an authorized representative acting on your behalf);
Describe your request with sufficient detail that allows us to properly understand and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.

We will confirm receipt of your request within ten (10) business days. If you do not receive confirmation within the 10-day timeframe, please email [email protected].

We endeavor to substantively respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to another 45 days), we will inform you of the reason and extension period in writing.

Any disclosures we provide will only cover the 12-month period preceding receipt of your request.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Please note that we may need to retain certain information for recordkeeping purposes or to complete transactions, or when required by law.

Rights of Residents of Virginia

Virginia provides its residents with the rights to:

Confirm whether we process their personal information.
Access and delete certain personal information.
Data portability.
Opt-out of personal data processing for targeted advertising and sales.
Correct inaccuracies in their personal information, taking into account the information’s nature processing purpose.
Opt-out of profiling in furtherance of decisions that produce legal or similarly significant effects.

Under these statutes, we do not sell your information, but we may use vendors to assist us with offering targeted advertising and sales to our audience.

To exercise any rights under this law, please contact [email protected].

SENSITIVE PERSONAL INFORMATION

At no time should you submit sensitive personal information to the Website. This includes your social security number, information regarding race or ethnic origin, political opinions, religious beliefs, health information, criminal background, or trade union memberships. If you elect to submit such information to us, it will be subject to this Privacy Policy.

LINKS TO OTHER WEBSITES

This Privacy Policy applies only to this Website. The Website may contain links to other websites not operated or controlled by Millennial Money Man (the “Third-Party Sites”). The policies and procedures described here do not apply to the Third-Party Sites. The links from the Website do not imply that Millennial Money Man endorses or has reviewed the Third-Party Sites. We suggest contacting those sites directly for information on their privacy policies.

OTHER TERMS AND CONDITIONS

Your access to and use of the Website may also be subject to any separate agreements or terms and conditions you have signed or agreed to with Millennial Money Man. Please refer to those agreements as needed.

Regardless of any other provision in this Privacy Policy, we reserve the right to disclose any personally identifiable or non-personally identifiable information about you to: (a) fulfill a government request; (b) conform with the requirements of the law or legal process; (c) protect or defend our legal rights or property, our Website, or other users; or (d) protect, in an emergency, the health and safety of our customers or the general public. This includes exchanging information with third parties and organizations in connection with credit risk reduction and fraud protection.

Changes to Millennial Money Man’s Privacy Policy

The Website may change from time to time. As a result, at times it may be necessary for Millennial Money Man to make changes to this Privacy Policy. Millennial Money Man reserves the right to update or modify this Privacy Policy at any time and from time to time without prior notice. Please review this policy periodically, and especially before you provide any Personal Data. Your continued use of the Website after any changes or revisions to this Privacy Policy shall indicate your agreement with the terms of such revised Privacy Policy.

CHILDREN’S INFORMATION

The Website does not knowingly collect any personally identifiable information from children under the age of 16. If a parent or guardian believes that the Website has personally identifiable information of a child under the age of 16 in its database, please contact us immediately at [email protected] and we will use our best efforts to promptly remove such information from our records.

AFFILIATE MARKETING

From time to time, the Website may engage in affiliate marketing. This means that if you use an affiliate link to make a purchase, the Website will receive a commission on that purchase. All efforts are made to ensure that affiliate links are disclosed in accordance with the FTC.

EARNINGS DISCLAIMER

The earnings referenced on the Website are for illustrative purposes only, actual earnings may differ and depend on expenses.

DOORDASH DRIVER EARNINGS DISCLAIMER

For illustrative purposes only, actual earnings may differ and depend on expenses. Hourly pay is calculated using average Dasher payouts while on a delivery (from the time you accept and order until the time you drop it off) and includes compensation from peak pay, tips, and other incentives.

GENERAL DISCLAIMER

Millennial Money Man has made every effort to ensure that all information on the Website has been tested for accuracy. Millennial Money Man makes no guarantees regarding the results that you will see from using the information provided on the Website.

Millennial Money Man disclaims liability for incidental or consequential damages and assumes no responsibility or liability for any loss or damage suffered by any person as a result of use of the information provided on the Website. Millennial Money Man assumes or undertakes no liability for any loss or damage suffered as a result of the use of any information found on the Website.

FINANCIAL INFORMATION DISCLAIMER

From time to time, the Website may discuss topics related to finance. This information is not advice and should not be treated as financial advice. The financial information provided on the Website is provided “as is” without any representations or warranties, express or implied. The Website makes no representations or warranties in relation to the financial information on the Website.

You must not rely on the information on the Website as an alternative to advice from a certified public accountant or licensed financial planner. There is no accountant-client relationship created from the publication of financial information on the Website. You should never delay seeking financial advice, disregard financial advice, or discontinue professional financial services as a result of any information provided on the Website.

YOUR RESPONSIBILITY

The Website was developed strictly for informational purposes. You understand and agree that you are fully responsible for your use of the information provided on the Website. Millennial Money Man makes no representations, warranties or guarantees. You understand that results may vary from person to person. Millennial Money Man assumes no responsibility for errors or omissions that may appear in the Website.

USE OF THE WEBSITE

Unless otherwise stated, Millennial Money Man owns the intellectual property and rights to all content and material on the Website. Subject to the license below, all intellectual property rights are reserved.

You may view, download (for caching purposes only), and print pages for your personal use, subject to the restrictions set out below and elsewhere in these Terms of Use.

The following uses are not permitted:

Republication of content from the Website, unless content is specifically and expressly made available for republication;
Sale, rental or sub-license of any content from the Website;
Reproduction or duplication of any content on the Website for commercial purposes;
Modification of any content on the Website, unless content is specifically and expressly made available for modification;
Redistribution of content of the Website, unless content is specifically and expressly made available for redistribution. Users are permitted to share content on social media channels, as long as a link to the Website is included.

From time to time, the Website will utilize various plugins or widgets to allow sharing of content via social media channels, email or other methods. Use of these plugins or widgets does not constitute any waiver of Millennial Money Man’s intellectual property rights. Such use is a limited license to republish the content on the approved social media channels, with full credit to Millennial Money Man.

You must not use the Website in a way that causes, or may cause, damage to the Website or impairs the availability of access to the Website. You must not decompile, reverse engineer, disassemble or otherwise reduce the Website, except to the extent that such activity is expressly permitted by applicable law. You must not use the Website to copy, store, host, transmit, send, use, publish or distribute any material that consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit and/or other harmful code or malicious software.

You must not conduct any systematic or automated data collection activities, including, but not limited to scraping, data mining, data extraction or data harvesting on or in relation to the Website without Millennial Money Man’s express written permission.

You must not use the Website to transmit or send any unsolicited commercial communications.

You must not use the Website for any third-party marketing without Millennial Money Man’s express written permission.

INTELLECTUAL PROPERTY

All original materials provided by Millennial Money Man are owned by Millennial Money Man. Any original materials are provided for your individual use only. You are not authorized to use or transfer any of Millennial Money Man’s intellectual property. All intellectual property remains the property of Millennial Money Man. No license to sell, distribute, reproduce, prepare a derivative work, display or perform is granted or implied. Millennial Money Man will be entitled to injunctive relief to prohibit any such violations to protect against the harm of such violations.

Certain of the names, logos, and other materials displayed on the Website constitute Millennial Money Man’s intellectual property, including, but not limited to, patents, trademarks, service marks, trade secrets and copyrights (“Millennial Money Man IP”). You are not authorized to use any Millennial Money Man IP without Millennial Money Man’s express consent. Ownership of Millennial Money Man IP remains with Millennial Money Man and You agree not to make any claims or assertions of any other party’s ownership of Millennial Money Man IP.

“Millennial Money Man” is a trademark of Millennial Money Man and are protected by United States trademark law. Millennial Money Man’s trademarks and trade dress may not be used in connection with any product or service that is not Millennial Money Man’s, in any manner likely to cause confusion among consumers or in any manner that disparages or discredits Millennial Money Man.

Equitable Relief

You acknowledge and agree that in the event of certain breaches of the Terms of Service, Millennial Money Man may suffer irreparable injury, such that no remedy at law will afford it adequate protection against, or appropriate compensation for, such injury. Accordingly, you agree that Millennial Money Man shall be entitled to any injunctive relief, without having to post a bond, as may be granted by a court of competent jurisdiction.

COPYRIGHT

Unless otherwise noted, the design, content and all components of the Website are copyrights owned by Millennial Money Man or third parties and are protected by United States and international copyright laws and should not be reused or republished without express written permission.

TRADEMARKS

Millennial Money Man’s trademarks and trade dress may not be used in connection with any product or service that is not Millennial Money Man’s, in any manner likely to cause confusion among consumers, or in any manner that disparages or discredits Stellar Brands, LLC, www.millennialmoneyman.com, M$M, or the experts featured on the Website.

From time to time, the Website will legally utilize trademarks owned by third parties related to Millennial Money Man’s services. These trademarks are the respective property of their owners.

FTC DISCLOSURE

From time to time, the Website may post sponsored content from an advertiser. This means that an advertiser, which may be a brand, agency, or influencer network, will contract with Millennial Money Man to create content featuring certain messages or product placement. Pursuant to the FTC’s requirements, all such advertisements on the Website are clearly and conspicuously disclosed.

Even though compensation (cash, free product, services) is received for in exchange for this sponsored content placement, Millennial Money Man gives its honest opinion, findings, believes, or experiences in such content. All views expressed on the Website are those of the content creator. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer, provider, or party in question.

GRANT OF RIGHTS

You grant Millennial Money Man a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute any content you contribute to the Website. This includes, but is not limited to, text, images, audio material, comments, video material and audio-visual material. This license extends to all known and future media. You also grant Millennial Money Man the right to sub-license these rights and the right to bring an action for infringement of these rights.

CONTENT CONTRIBUTED TO THE WEBSITE
Any content you contribute to the Website, including, but not limited to text, images, audio material, comments, video material and audio-visual material, must not be illegal or unlawful, may not infringe on any third-party’s legal rights, and must not be capable of giving rise to legal action whether against you or Millennial Money Man or a third party.

Millennial Money Man reserves the right to edit or remove: (i) any material submitted to the Website; (ii) stored on Millennial Money Man’s servers; or, (iii) hosted or published on the Website. Millennial Money Man takes no responsibility and assumes no liability for any content posted by you or any third party.

Notwithstanding Millennial Money Man’s rights under the Terms of Use, Millennial Money Man does not undertake to monitor the submission of all content to, or the publication of such content on, the Website.

COMMENT POLICY

The Website offers the option for you to leave comments, engaging with the Website’s posts. The following types of comments will not be tolerated and will be deleted:

harassment directed toward any content creator or Millennial Money Man;
spam;
hate speech;
defamatory to Millennial Money Man or any third party;
reference illegal acts; or,
violate the legal rights of a third party.

Millennial Money Man’s sole discretion will be used to determine if a comment is in violation of this comment policy. Any comments in violation will be promptly deleted and no further explanation will be due to you if your comment was determined to be in violation with this policy.

TAKEDOWN REQUESTS

From time to time, the Website will publish posts with images from other third-party websites. Any such use is intended considered fair use under copyright laws and is fully attributed to the owner. If you believe that your copyrighted work has been used on the Website in a way that [email protected] copyright infringement and falls outside of fair use, please send a request to and we will remove the image within 24 to 48 hours.

COMMUNICATION

If you send Millennial Money Man an email, register to use the Website or provide your email to Millennial Money Man in any other way, you consent to receive communications from Millennial Money Man electronically. You agree that all legal notices provided via electronic means from Millennial Money Man satisfy any requirement for written notice.

THIRD PARTIES

The Website may contain links to third-party websites that are not governed or controlled by Millennial Money Man. You represent and warrant that you have read and agree to be bound by all applicable Terms of Use and policies for any third-party website that relates to your use of the Website. Millennial Money Man assumes no control or liability over the content of any third-party sites. You expressly hold harmless Millennial Money Man from any and all liability related to your use of a third-party website.

Prior to engaging in any events or commercial transactions with any third parties discovered through or linked on the Website, you must complete any necessary investigation or due diligence. If there is a dispute for any events or commercial transactions with a third party discovered through or linked on the Website, you expressly hold Millennial Money Man harmless from any and all liability in any dispute.

NO WARRANTIES

The Website is provided on an “as is” and “as available” basis without any representations or warranties, expressed or implied. Millennial Money Man makes no representations or warranties in relation to the Website, or the information and materials provided therein.

Millennial Money Man makes no warranty the Website will meet your requirements; will be available uninterrupted; timely and free of viruses or bugs; or represents the full functionality, accuracy, and reliability of the Website. Millennial Money Man is not responsible to you for the loss of any content or material uploaded or transmitted through the Website. The Website is written in English and makes no warranty regarding translation or interpretation of content in any language.

LIMITATION OF LIABILITY

TO THE EXTENT ALLOWABLE BY LAW, Millennial Money Man WILL NOT BE LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL, INDIRECT, EXEMPLARY, PUNITIVE OR SPECIAL DAMAGES OF ANY KIND, HOWEVER CAUSED, INCLUDING LOSS OF PROFITS, REVENUE, DATA OR USE, INCURRED BY YOU, WHETHER UNDER THEORY OF CONTRACT, TORT (INCLUDING NEGLIGENCE), WARRANTY OR OTHERWISE, EVEN IF THE OTHER PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

INDEMNITY

You agree to defend, indemnify and hold Millennial Money Man, its members, employees, officers, directors, managers and agents harmless from and against any and all losses, claims, suits, actions, liabilities, obligations, costs and expenses (including reasonable attorneys’ fees and expenses) which Millennial Money Man suffers as a result of third-party claims based on: (i) your negligence or intentional misconduct, (ii) your breach of any provision of the Terms of Use (including representation or warranty); (iii) materials prepared or provided by you including, but not limited to, any claims of infringement, or misappropriation of copyright, trademark, patent, trade secret, or other intellectual property or proprietary right, infringement of the rights of privacy or publicity, or defamation or libel; or (iv) death, personal injury, or property damage arising out of, or relating to, your obligations hereunder.

ARBITRATION

The Terms of Use will be governed and construed in accordance with the laws of the Texas. Any controversy or claim arising out of or relating to the Terms of Use, or the breach thereof, shall be settled by arbitration administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules, and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. The place of any such arbitration shall be in Harris County, Texas. The parties also agree that the AAA Optional Rules for Emergency Measures of Protection shall apply to the proceedings.

MISCELLANEOUS PROVISIONS

If any provision(s) of the Terms of Use is held to be invalid, illegal or unenforceable, the remaining provisions shall be severable and enforceable. If a provision is excessively broad, such a provision shall be limited or reduced in scope so as to be enforceable.

The Terms of Use may not be assigned by you without Millennial Money Man’s prior written consent, however, the Terms of Use may be assigned by Millennial Money Man in its sole discretion.

The Terms of Use are the final, complete and exclusive agreement of the parties with respect to the Website offered by Millennial Money Man.

All notices with respect to the Terms of Use must be in writing and may be via email to [email protected] for Millennial Money Man and to your email address.

Last updated: September 25, 2023