Effective Date: August 1, 2025

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Life & Money, LLC (“we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or interact with us in any other way.

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By using our website and services, you consent to the practices described in this Privacy Policy.

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1. Information We Collect

We may collect the following types of personal information:

• Personal Identifiers: Name, email address, phone number, mailing address, date of birth.

• Financial Information: Income, expenses, bank account details (if voluntarily submitted), tax information.

• Professional Information: Employer, job title, business income and expense data.

• Account Information: Login credentials, if applicable.

• Usage Data: IP address, browser type, pages visited, time spent on site, and other analytical data.

• Communications: Any messages or inquiries sent to us via contact forms, email, or other channels.

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We collect this information:

• When you voluntarily provide it (e.g., through forms or scheduling appointments),

• Automatically through your use of the site (e.g., cookies and analytics tools),

• From third parties with your consent (e.g., software integrations).

 

2. How We Use Your Information

We may use your information to:

• Provide and manage our services, including financial coaching, bookkeeping, and tax preparation.

• Communicate with you regarding appointments, services, and updates.

• Process payments and deliver invoices.

• Improve our website, services, and client experience.

• Send newsletters or marketing emails (with your consent).

• Comply with legal and regulatory obligations.

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3. Sharing Your Information

We do not sell your personal information. We may share it with:

• Service Providers: Such as payment processors, client management software, and analytics services.

• Legal or Regulatory Authorities: When required by law, subpoena, or similar legal process.

• Business Transfers: In the event of a merger, sale, or transfer of assets.

All third-party service providers are required to uphold confidentiality and data protection standards.

 

4. Data Security

We implement administrative, technical, and physical security measures to protect your personal information. While we strive to use commercially acceptable means to protect your data, no method of transmission over the Internet or method of electronic storage is 100% secure.

 

5. Your Privacy Rights

Depending on your location, you may have the right to:

• Access, update, or delete your personal data.

• Opt out of marketing communications.

• Object to or restrict certain data processing activities.

• Request a copy of your personal data in a portable format.

To exercise these rights, please contact us at: [insert email address]

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6. Cookies and Tracking Technologies

Our website may use cookies and similar technologies to enhance your browsing experience. You can control or disable cookies through your browser settings.

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7. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. Please review their policies before providing personal information.

 

8. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children.

 

9. Data Retention

We retain personal data only as long as necessary to fulfill the purposes outlined in this Policy, unless a longer retention period is required by law (e.g., for tax purposes).

 

10. Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by an “Effective Date” at the top. We encourage you to review this page periodically for the latest information.

 

11. Contact Us

If you have any questions about this Privacy Policy or how your data is handled, you may contact us:

 

Life & Money, LLC
Email: willenea@life-moneyllc.com
Phone: +1 240-200-0864
Website: www.life-moneyllc.com
Mailing Address: 5000 Thayer Center Drive, Suite C, Oakland, MD 21550