1. Who We Are
This Privacy Policy describes how Jamaal Richard, sole proprietor doing business as Gold Rhino and operating the brand Money Decoded (published under the pen name J. Marque), collects, uses, and protects your personal information when you visit readmoneydecoded.com, purchase our products, or interact with our communications.
Throughout this policy, "we," "us," and "our" refer to Jamaal Richard / Money Decoded. "You" and "your" refer to you, the user.
2. Information We Collect
Information You Provide Directly
When you fill out a form, make a purchase, or contact us, we may collect:
- Name (first and last)
- Email address
- Phone number
- Payment information (credit/debit card details, processed securely through Stripe; we do not store your full card number)
- Mailing address (if applicable)
- Responses to questionnaires or intake forms (for coaching programs)
Information Collected Automatically
When you visit our website, certain information is collected automatically through cookies and tracking technologies:
- IP address
- Browser type and version
- Device type (desktop, mobile, tablet)
- Operating system
- Pages visited and time spent on each page
- Referring website or source
- Click and interaction data
3. How We Use Your Information
We use the personal information we collect to:
- Deliver products and services you have purchased (books, toolkits, coaching access)
- Send email sequences with educational content, product updates, and promotional offers
- Send SMS/text messages related to your purchases, educational content, and promotions (with your consent)
- Process payments securely through Stripe
- Respond to your questions or support requests
- Improve our website, products, and services based on usage data and feedback
- Run retargeting advertisements to reach you on other platforms (with your consent via cookies)
4. SMS and Phone Number Privacy
This section specifically addresses how we handle your phone number and text messaging data, in compliance with wireless carrier requirements and the TCPA.
How We Collect Phone Numbers
We collect your phone number when you voluntarily enter it into a form on our website or through our customer relationship management platform and submit that form, thereby opting in to receive automated text messages.
How We Use Phone Numbers
Your phone number is used solely to send you automated text messages from Jamaal Richard / Money Decoded. These messages may include order confirmations, educational content, promotional offers, and coaching-related communications.
We Do Not Share Your Phone Number
Your phone number is never shared with third parties for their marketing purposes. We do not sell, rent, lease, or trade your phone number to any third party.
We Do Not Sell Your Phone Number
We do not sell your phone number. Period. Your phone number is used exclusively for communication between you and Money Decoded.
Opting Out of SMS
You may opt out of receiving text messages at any time by replying STOP to any message. You will receive one confirmation message, and no further texts will be sent unless you re-subscribe. You can also contact us at hello@readmoneydecoded.com to request removal from our SMS list.
SMS Help
Reply HELP to any text message for assistance, or email hello@readmoneydecoded.com.
5. Third-Party Services
We use the following third-party services to operate our business. Each has its own privacy policy governing how they handle your data:
| Service | Purpose |
|---|---|
| GoHighLevel (GHL) | Customer relationship management, email marketing, SMS messaging, forms, and automation |
| Stripe | Secure payment processing for all transactions |
| Google Analytics (GA4) | Website traffic analysis and visitor behavior tracking |
| Meta Pixel (Facebook) | Advertising measurement and retargeting |
| TikTok Pixel | Advertising measurement and retargeting |
We only share the minimum amount of data necessary for these services to function. We do not sell your personal information to any third party.
6. Cookies and Tracking Technologies
Our website uses cookies and similar tracking technologies to improve your experience and measure the effectiveness of our marketing. Specifically:
- Google Analytics (GA4) tracks page views, session duration, traffic sources, and user interactions to help us understand how visitors use our website.
- Meta Pixel tracks conversions from Facebook and Instagram ads and enables us to serve retargeting ads to visitors on those platforms.
- TikTok Pixel tracks conversions from TikTok ads and enables retargeting on TikTok.
- Google Tag Manager (GTM) manages the deployment of the above tracking scripts.
You can disable cookies through your browser settings. Note that disabling cookies may affect the functionality of our website.
7. Data Retention
We retain your personal information for as long as your account is active or as needed to provide you with our services. Specifically:
- Customer and purchase records are retained for as long as necessary to fulfill our legal and tax obligations (typically 7 years for financial records).
- Email and SMS subscriber data is retained until you unsubscribe or request deletion.
- Website analytics data is retained according to the policies of each analytics provider (typically 14-26 months for Google Analytics).
You may request deletion of your personal data at any time by emailing hello@readmoneydecoded.com. We will process your request within 30 days.
8. Your Rights
You have the following rights regarding your personal information:
- Access: You can request a copy of the personal information we hold about you.
- Correction: You can request that we correct any inaccurate or incomplete information.
- Deletion: You can request that we delete your personal information, subject to legal retention requirements.
- Opt-Out of Marketing: You can unsubscribe from emails by clicking the unsubscribe link in any email, or opt out of SMS by replying STOP to any text message.
To exercise any of these rights, email us at hello@readmoneydecoded.com. We will respond within 30 days.
9. Children's Privacy
Our website, products, and services are not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected information from a child under 13, we will delete that information immediately. If you believe a child under 13 has provided us with personal information, please contact us at hello@readmoneydecoded.com.
10. Security
We take reasonable measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include:
- SSL/TLS encryption on our website to protect data in transit
- Secure payment processing through Stripe (PCI-DSS compliant; we never store your full credit card number)
- Access controls to limit who can access customer data within our systems
While we strive to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.
11. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. When we make changes, we will:
- Update the "Effective Date" at the top of this page
- Notify you by email if the changes are significant
Your continued use of our website and services after changes are posted constitutes your acceptance of the updated policy.
12. Contact Us
If you have questions about this Privacy Policy or how we handle your data, contact us:
- Jamaal Richard / Money Decoded
- 6595 Roswell Rd, Suite G2919, Atlanta, GA 30328
- Email: hello@readmoneydecoded.com
- Website: readmoneydecoded.com