1. Introduction

This Privacy Policy explains how Money Where Your Muscle Is™ (“MWYMI™,” “we,” “our,” or “us”) collects, uses, shares, and protects information about you when you use our website, challenge platform, and related products and services (collectively, the “Services”).

By accessing or using the Services, you agree that your information will be handled as described in this Privacy Policy and in our Terms of Use. If you do not agree, please do not use the Services.

2. Information We Collect

We may collect the following types of information:

2.1 Information You Provide Directly

• Account information: name, email address, username, password, and similar identifiers.
• Profile and challenge details: basic demographic info you choose to share, challenge lane selections, goals, and preferences.
• Payment and transaction data: limited payment information (for example, transaction IDs, payment amounts, and billing details) as processed by our third-party payment providers. We do not store full credit card numbers.
• Content and submissions: proof uploads, logs, check-in screenshots, photos, videos, and other information you submit to verify challenge progress, subject to challenge rules.
• Communications: messages you send to us, survey responses, feedback, or support requests.

2.2 Information Collected Automatically

When you use the Services, we may automatically collect:

• Usage data: pages visited, features used, links clicked, time spent, and other activity within the Services.
• Device and log data: IP address, browser type, operating system, device identifiers, access times, and related technical information.
• Cookies and similar technologies: identifiers that help us remember your preferences, keep you logged in, and understand how you interact with the Services.

2.3 Information From Third Parties

Where permitted by law and with your permission where required, we may receive information about you from:

• Payment processors and financial service providers.
• Analytics and measurement partners.
• Fitness or habit-tracking tools or platforms you choose to connect.

3. How We Use Your Information

We use the information we collect for purposes including:

• Providing and operating the Services: creating and managing your account, enrolling you in challenges, tracking participation, and administering payouts where applicable.
• Verification and fairness: reviewing submissions, checking for abuse or fraud, and enforcing challenge rules.
• Communications: sending transactional messages (for example, confirmations, challenge updates, policy changes) and, where permitted, marketing or promotional communications.
• Improving the platform: analyzing usage trends, troubleshooting issues, and developing new products, features, and offerings.
• Safety, security, and legal compliance: protecting the integrity of the platform, enforcing our Terms, and complying with legal obligations.

4. Legal Bases for Processing (Where Applicable)

In some jurisdictions, we process personal information under one or more of the following legal bases:

• Performance of a contract: to provide the Services you sign up for, including challenge participation and related functionality.
• Legitimate interests: to operate, secure, and improve the Services, and to prevent fraud and misuse.
• Consent: where required, for specific uses (for example, certain marketing communications or optional integrations).
• Legal obligations: to comply with applicable laws, regulations, and lawful requests.

5. Cookies & Tracking Technologies

We and our partners may use cookies, pixels, and similar technologies to:

• Keep you signed in and maintain session security.
• Remember your preferences and settings.
• Measure usage and performance of the Services.

You can typically control cookies through your browser settings. Some features of the Services may not function properly if you disable cookies.

6. How We Share Your Information

We do not sell your personal information. We may share information as follows:

• Service providers: with trusted third parties who perform services on our behalf, such as payment processing, hosting, analytics, email delivery, or security.
• Challenge operations: as needed to administer challenges, verify entries, and process payouts.
• Legal and safety: when we believe disclosure is reasonably necessary to comply with law, enforce our Terms, protect our rights, or address security or fraud concerns.
• Business transfers: in connection with a merger, acquisition, asset sale, or similar transaction, subject to appropriate protections.
• With your consent: when you direct us to share information or otherwise consent to a specific disclosure.

7. International Data Transfers

Depending on where you live, your information may be processed in countries that may have different data protection laws than your own. Where required, we take steps to help ensure that appropriate safeguards are in place for such transfers, consistent with applicable law.

8. Data Retention

We retain personal information for as long as reasonably necessary to provide the Services, support legitimate business and legal purposes, and comply with our obligations.

When information is no longer needed, we may delete it, anonymize it, or aggregate it, subject to any retention requirements under applicable law.

9. Your Choices & Privacy Rights

Depending on your location and applicable law, you may have rights regarding your personal information, such as:

• Accessing or obtaining a copy of the information we hold about you.
• Requesting correction of inaccurate or incomplete information.
• Requesting deletion of certain information, subject to legal or operational requirements.
• Objecting to or requesting restriction of certain processing.
• Withdrawing consent where processing is based on your consent.

To exercise these rights, contact us using the details in the Contact Us section below. We may need to verify your identity before responding.

10. Children’s Privacy

The Services are not intended for and may not be used by children under 18. We do not knowingly collect personal information from children under 18. If we learn that we have collected such information, we will take reasonable steps to delete it.

11. Security

We use reasonable technical and organizational measures designed to protect your information. However, no online platform or transmission can be guaranteed to be completely secure, and we cannot promise that unauthorized access, hacking, or data loss will never occur.

12. Third-Party Links & Services

The Services may contain links to third-party websites, apps, or services that are not controlled by MWYMI™. We are not responsible for the privacy practices of those third parties. We encourage you to review their privacy policies before providing any information.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the “Last Updated” date above and may provide additional notice as required by law.

Your continued use of the Services after changes become effective means you accept the updated Privacy Policy.

14. California Privacy Notice

This California Privacy Notice supplements the information contained in the Money Where Your Muscle Is™ (“MWYMI™”) Privacy Policy and applies solely to residents of the State of California (“California Consumers”). We adopt this notice to comply with the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), and other California privacy laws.

Categories of Personal Information We Collect

In the past twelve (12) months, MWYMI™ has collected the following categories of personal information:

• Identifiers (such as name, email address, IP address, and account handle).
• Internet or other electronic network activity information (such as usage data, log data, and interactions with our website).
• Approximate geolocation (derived from IP address).
• Commercial information (such as records of challenges joined or products/services considered).
• Inferences drawn from the above (such as preferences or interest segments).

Business & Commercial Purposes for Collecting Personal Information

We may use or disclose personal information for one or more of the following business or commercial purposes:

• To provide, maintain, and improve MWYMI™ products and services.
• To process sign-ups, respond to inquiries, and communicate with you.
• To personalize content and experiences on the site.
• To perform analytics, debugging, and security monitoring.
• To comply with applicable law, legal process, or enforce our Terms.
• For marketing and promotional purposes, where permitted by law.

Your California Privacy Rights

Subject to certain limitations, California Consumers have the right to:

• Know / Access the categories and specific pieces of personal information we collect, use, disclose, sell, or share.
• Delete personal information we collected from you, subject to certain exceptions.
• Correct inaccurate personal information we maintain about you.
• Opt-out of “sale” or “sharing” of personal information for cross-context behavioral advertising.
• Limit the use and disclosure of sensitive personal information, if and when we collect it.
• Non-discrimination for exercising any of your California privacy rights.

How to Exercise Your Rights

You may exercise your California privacy rights by contacting us at: privacy@moneywhereyourmuscleis.com. To protect your privacy and security, we may need to verify your identity before processing certain requests. You may also authorize an agent to make a request on your behalf, in which case we may require proof of authorization and verification of your identity.

15. Contact Us

If you have questions or concerns about this Privacy Policy or how we handle your information, you can contact us at:

Email: info@moneywhereyourmuscleis.com