LEGAL & PRIVACY

Privacy Policy

PRIVACY POLICY — Last updated August 14, 2025

This Privacy Notice for Prosperity Planning LLC ("we," "us," or "our"), describes how and why we might access, collect, store, use, and/or share ("process") your personal information when you use our services ("Services"), including when you:

Visit our website at https://prosperityplanningllc.net or any website of ours that links to this Privacy Notice
Use Credit / Income Consulting Service. Prosperity Planning LLC provides comprehensive financial coaching and strategic planning. We empower our clients with the knowledge and tools they need to achieve their financial goals, including credit improvement, debt management, budgeting, and income generation.
Engage with us in other related ways, including any sales, marketing, or events

Questions or concerns? Reading this Privacy Notice will help you understand your privacy rights and choices. We are responsible for making decisions about how your personal information is processed. If you do not agree with our policies and practices, please do not use our Services. If you still have any questions or concerns, please contact us at info@prosperityplanningllc.net.

SUMMARY OF KEY POINTS

This summary provides key points from our Privacy Notice, but you can find out more details about any of these topics by clicking the link following each key point or by using our table of contents below to find the section you are looking for.

What personal information do we process? When you visit, use, or navigate our Services, we may process personal information depending on how you interact with us and the Services, the choices you make, and the products and features you use.

Do we process any sensitive personal information? Some of the information may be considered "special" or "sensitive" in certain jurisdictions, for example your racial or ethnic origins, sexual orientation, and religious beliefs. We may process sensitive personal information when necessary with your consent or as otherwise permitted by applicable law.

Do we collect any information from third parties? We do not collect any information from third parties.

How do we process your information? We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent. We process your information only when we have a valid legal reason to do so.

In what situations and with which parties do we share personal information? We may share information in specific situations and with specific third parties.

How do we keep your information safe? We have adequate organizational and technical processes and procedures in place to protect your personal information. However, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information.

What are your rights? Depending on where you are located geographically, the applicable privacy law may mean you have certain rights regarding your personal information.

How do you exercise your rights? The easiest way to exercise your rights is by submitting a data subject access request, or by contacting us. We will consider and act upon any request in accordance with applicable data protection laws.

WHAT INFORMATION DO WE COLLECT?
HOW DO WE PROCESS YOUR INFORMATION?
WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?
DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?
DO WE OFFER ARTIFICIAL INTELLIGENCE-BASED PRODUCTS?
HOW LONG DO WE KEEP YOUR INFORMATION?
HOW DO WE KEEP YOUR INFORMATION SAFE?
DO WE COLLECT INFORMATION FROM MINORS?
WHAT ARE YOUR PRIVACY RIGHTS?
CONTROLS FOR DO-NOT-TRACK FEATURES
DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
YOUR PRIVACY RIGHTS
DO WE MAKE UPDATES TO THIS NOTICE?
HOW CAN YOU CONTACT US ABOUT THIS NOTICE?
HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

1. WHAT INFORMATION DO WE COLLECT?

Personal information you disclose to us — In Short: We collect personal information that you provide to us.

We collect personal information that you voluntarily provide to us when you express an interest in obtaining information about us or our products and Services, when you participate in activities on the Services, or otherwise when you contact us.

Personal Information Provided by You. The personal information that we collect depends on the context of your interactions with us and the Services, the choices you make, and the products and features you use. The personal information we collect may include the following: names, phone numbers, email addresses, and technical & usage data.

Sensitive Information. When necessary, with your consent or as otherwise permitted by applicable law, we process the following categories of sensitive information: financial data, credit worthiness data.

Payment Data. We may collect data necessary to process your payment if you choose to make purchases, such as your payment instrument number, and the security code associated with your payment instrument. All payment data is handled by our payment orchestration stack: Hyperswitch (self-hosted, card vault only) → Authorize.net gateway → Elavon/U.S. Bank merchant account, with Stripe retained as a fallback processor during our parallel-run period. Card numbers (PANs) are stored only in the Hyperswitch vault/locker, never in our application database or logs. For processor privacy notices see: Authorize.net (https://www.authorize.net/about-us/privacy.html), Elavon (https://www.elavon.com/privacy-policy.html), and Stripe (https://stripe.com/privacy) for fallback transactions.

Application Data. If you use our application(s), we also may collect the following information if you choose to provide us with access or permission: Geolocation Information, Mobile Device Data.

All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.

Information automatically collected — In Short: Some information — such as your Internet Protocol (IP) address and/or browser and device characteristics — is collected automatically when you visit our Services.

We automatically collect certain information when you visit, use, or navigate the Services. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Services, and other technical information.

The information we collect includes: Log and Usage Data, Device Data, Location Data.

Google API — Our use of information received from Google APIs will adhere to Google API Services User Data Policy, including the Limited Use requirements.

2. HOW DO WE PROCESS YOUR INFORMATION?

In Short: We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent.

We process your personal information for a variety of reasons, depending on how you interact with our Services, including: To deliver and facilitate delivery of services to the user, to respond to user inquiries/offer support to users, to send administrative information to you, to enable user-to-user communications, to request feedback, to send you marketing and promotional communications, to deliver targeted advertising to you, to post testimonials, to protect our Services, to evaluate and improve our Services, to identify usage trends, to determine the effectiveness of our marketing and promotional campaigns, and to comply with our legal obligations.

3. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?

In Short: We may share information in specific situations described in this section and/or with the following third parties.

We may need to share your personal information in the following situations: Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.

4. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?

In Short: We may use cookies and other tracking technologies to collect and store your information.

We may use cookies and similar tracking technologies (like web beacons and pixels) to gather information when you interact with our Services. Some online tracking technologies help us maintain the security of our Services, prevent crashes, fix bugs, save your preferences, and assist with basic site functions.

We also permit third parties and service providers to use online tracking technologies on our Services for analytics and advertising. To the extent these online tracking technologies are deemed to be a "sale"/"sharing" (which includes targeted advertising, as defined under the applicable laws) under applicable US state laws, you can opt out of these online tracking technologies by submitting a request as described below under section "DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?"

Google Analytics — We may share your information with Google Analytics to track and analyze the use of the Services. To opt out of being tracked by Google Analytics across the Services, visit https://tools.google.com/dlpage/gaoptout.

5. DO WE OFFER ARTIFICIAL INTELLIGENCE-BASED PRODUCTS?

In Short: We offer products, features, or tools powered by artificial intelligence, machine learning, or similar technologies.

As part of our Services, we offer products, features, or tools powered by artificial intelligence, machine learning, or similar technologies (collectively, "AI Products"). These tools are designed to enhance your experience and provide you with innovative solutions. The terms in this Privacy Notice govern your use of the AI Products within our Services.

Use of AI Technologies — We provide the AI Products through third-party service providers ("AI Service Providers"), including OpenAI. As outlined in this Privacy Notice, your input, output, and personal information will be shared with and processed by these AI Service Providers to enable your use of our AI Products.

Our AI Products are designed for the following functions: AI bots, AI automation, AI document generation, AI insights, Natural language processing, Image generation.

How We Process Your Data Using AI — All personal information processed using our AI Products is handled in line with our Privacy Notice and our agreement with third parties.

How to Opt Out — We believe in giving you the power to decide how your data is used. To opt out, you can: Contact us using the contact information provided, or SMS Opt-Out.

6. HOW LONG DO WE KEEP YOUR INFORMATION?

In Short: We keep your information for as long as necessary to fulfill the purposes outlined in this Privacy Notice unless otherwise required by law.

We will only keep your personal information for as long as it is necessary for the purposes set out in this Privacy Notice, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements).

7. HOW DO WE KEEP YOUR INFORMATION SAFE?

In Short: We aim to protect your personal information through a system of organizational and technical security measures.

We have implemented appropriate and reasonable technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure.

8. DO WE COLLECT INFORMATION FROM MINORS?

In Short: We do not knowingly collect data from or market to children under 18 years of age.

We do not knowingly collect, solicit data from, or market to children under 18 years of age, nor do we knowingly sell such personal information. By using the Services, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent's use of the Services.

9. WHAT ARE YOUR PRIVACY RIGHTS?

In Short: You may review, change, or terminate your account at any time, depending on your country, province, or state of residence.

Withdrawing your consent: If we are relying on your consent to process your personal information, which may be express and/or implied consent depending on the applicable law, you have the right to withdraw your consent at any time.

Opting out of marketing and promotional communications: You can unsubscribe from our marketing and promotional communications at any time by clicking on the unsubscribe link in the emails that we send, replying "STOP" or "UNSUBSCRIBE" to the SMS messages that we send, or by contacting us.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with third parties.

Text Messaging. If you opt in to receive text messages from us, we may send you service and scheduling-related messages, including appointment reminders, confirmations, and follow-ups related to requested services. Message frequency varies. Message and data rates may apply. You can opt out at any time by replying "STOP" to any message, and you can get help by replying "HELP" or contacting us at +1 901-621-3159 or info@prosperityplanningllc.net. Consent to receive text messages is not a condition of purchase. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

10. CONTROLS FOR DO-NOT-TRACK FEATURES

Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track ("DNT") feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage, no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online.

11. DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?

In Short: If you are a resident of California, Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah, or Virginia, you may have the right to request access to and receive details about the personal information we maintain about you and how we have processed it, correct inaccuracies, get a copy of, or delete your personal information.

Categories of Personal Information We Collect — The table below shows the categories of personal information we have collected in the past twelve (12) months. The table includes illustrative examples of each category and does not reflect the personal information we collect from you.

A. Identifiers — Contact details, such as real name, alias, postal address, telephone or mobile contact number, unique personal identifier, online identifier, Internet Protocol address, email address, and account name — Collected: YES

B. Personal information as defined in the California Customer Records statute — Name, contact information, education, employment, employment history, and financial information — Collected: NO

C. Protected classification characteristics under state or federal law — Gender, age, date of birth, race and ethnicity, national origin, marital status, and other demographic data — Collected: NO

D. Commercial information — Transaction information, purchase history, financial details, and payment information — Collected: NO

E. Biometric information — Fingerprints and voiceprints — Collected: NO

F. Internet or other similar network activity — Browsing history, search history, online behavior, interest data, and interactions with our and other websites, applications, systems, and advertisements — Collected: NO

G. Geolocation data — Device location — Collected: NO

H. Audio, electronic, sensory, or similar information — Images and audio, video or call recordings created in connection with our business activities — Collected: NO

I. Professional or employment-related information — Business contact details in order to provide you our Services at a business level or job title, work history, and professional qualifications if you apply for a job with us — Collected: NO

J. Education Information — Student records and directory information — Collected: NO

K. Inferences drawn from collected personal information — Inferences drawn from any of the collected personal information listed above to create a profile or summary about, for example, an individual's preferences and characteristics — Collected: YES

L. Sensitive personal Information — Contents of email or text messages, financial information including account access details and precise geolocation — Collected: NO

We only collect sensitive personal information, as defined by applicable privacy laws or the purposes allowed by law or with your consent.

Your Rights — You have rights under certain US state data protection laws. However, these rights are not absolute, and in certain cases, we may decline your request as permitted by law. These rights include: Right to know whether or not we are processing your personal data, Right to access your personal data, Right to correct inaccuracies in your personal data, Right to request the deletion of your personal data, Right to obtain a copy of the personal data you previously shared with us, Right to non-discrimination for exercising your rights, Right to opt out of the processing of your personal data if it is used for targeted advertising, the sale of personal data, or profiling.

How to Exercise Your Rights — To exercise these rights, you can contact us by submitting a data subject access request, by emailing us at info@prosperityplanningllc.net, by visiting https://prosperityplanningllc.net/contact, or by referring to the contact details at the bottom of this document.

California "Shine The Light" Law — California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes.

12. YOUR PRIVACY RIGHTS

You have certain rights concerning your personal data under applicable data protection laws. We are committed to honoring these rights. You have the right to:

The Right to Know: You have the right to know what personal information we collect, use, and share.
The Right to Access: You have the right to request a copy of the personal information we hold about you.
The Right to Rectify: You have the right to ask us to correct any inaccurate or incomplete personal information we have about you.
The Right to Delete: You have the right to ask us to delete your personal information from our records.
The Right to Opt-Out: You have the right to opt out of the processing of your personal information for marketing purposes.
The Right to Non-Discrimination: You have the right not to be discriminated against for exercising any of your privacy rights.

How to Exercise Your Rights — To exercise any of these rights, please contact us by email at info@prosperityplanningllc.net or by mail at 784 S. Clearwater Loop STE B, Post Falls, ID 83854. We will respond to your request within 30 days of receiving it.

13. DO WE MAKE UPDATES TO THIS NOTICE?

In Short: Yes, we will update this notice as necessary to stay compliant with relevant laws.

We may update this Privacy Notice from time to time. The updated version will be indicated by an updated "Revised" date at the top of this Privacy Notice. If we make material changes to this Privacy Notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification.

14. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?

If you have questions or comments about this notice, you may email us at info@prosperityplanningllc.net or contact us by post at:

Prosperity Planning LLC
784 S. Clearwater Loop STE B
Post Falls, ID 83854
United States

15. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

Based on the applicable laws of your country or state of residence in the US, you may have the right to request access to the personal information we collect from you, details about how we have processed it, correct inaccuracies, or delete your personal information. You may also have the right to withdraw your consent to our processing of your personal information. These rights may be limited in some circumstances by applicable law. To request to review, update, or delete your personal information, please fill out and submit a data subject access request.