Last modified: [20200719]

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1.  INTRODUCTION.  Financial Abstinence L.L.C. (“Company” or “We”) respects your privacy and is committed to protecting it through our compliance with this policy.

This policy describes the types of information we may collect from you or that you may provide when you visit the website(s)www.financialabstinence.com,https://financialabstinenceacademy.thinkific.com/ or use and purchase any of our products, mobile applications, or services (all website(s), products, mobile applications, and services collectively deemed “Website”) and our practices for collecting, using, maintaining, protecting, and disclosing that information.

This policy applies to information we collect:

It does not apply to information collected by:

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this privacy policy. This policy may change from time to time (see the section titled Changes to Our Privacy Policy below). Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.


2.  CHILDREN UNDER THE AGE OF 13.  Our Website is not intended for children under 13 years of age. No one under the age of 13 may provide any information to or on the Website. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on this Website or on or through any of its features, register on the Website, make any purchases through the Website, use any of the interactive or public comment features of this Website or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at [email protected]‌


3.  INFORMATION WE COLLECT ABOUT YOU AND HOW WE COLLECT IT.  We collect several types of information from and about users of our Website, including information:

We collect this information:


(a) Information You Provide to Us. The information we collect on or through our Website may include:

You also may provide information to be published or displayed (from now on, “posted”) on public areas of the Website or transmitted to other users of the Website or third parties (collectively, “User Contributions”). Your User Contributions are posted on and transmitted to others at your own risk. Please be aware that no security measures are perfect or impenetrable. Additionally, we cannot control the actions of other users of the Website with whom you may choose to share your User Contributions. Therefore, we cannot and do not guarantee that your User Contributions will not be viewed by unauthorized persons.

    (b) Information We Collect Through Automatic Data Collection Technologies.  As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

The information we collect automatically may include personal information, or we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:

The technologies we use for this automatic data collection may include:

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4.  HOW WE USE YOUR INFORMATION. We use information that we collect about you or that you provide to us, including any personal information:

We may also use your information to contact you about our own and third-parties’ goods and services that may be of interest to you. If you do not want us to use your information in this way, adjust your user preferences in your account profile. For more information, see the section titled Choices About How We Use and Disclose Your Information.

We may use the information we have collected from you to enable us to display advertisements to our advertisers’ target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.


5.  DISCLOSURE OF YOUR INFORMATION.  We may disclose aggregated information about our users and information that does not identify any individual without restriction.

We may disclose personal information that we collect, or you provide as described in this privacy policy:

We may also disclose your personal information:



6.  CHOICES ABOUT HOW WE USE AND DISCLOSE YOUR INFORMATION.  We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

We do not control third parties’ collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt-out of receiving targeted ads from members of the Network Advertising Initiative (”NAI”) on the NAI’s website.

7.  ACCESSING AND CORRECTING YOUR INFORMATION.  You can review and change your personal information by logging into the Website and visiting your account profile page.

You may also send us an email at [email protected]‌ to request access to, correct, or delete any personal information that you have provided to us. We may only be able to delete your personal information by deleting your user account.] We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

If you delete your User Contributions from the Website, copies of your User Contributions may remain viewable in cached and archived pages or might have been copied or stored by other Website users. Proper access and use of information provided on the Website, including User Contributions, is governed by our terms of use www.financialabstinence.com.

If you are an EU resident, you have the right to access personal information we hold about you and to ask that your personal information be corrected, updated, or deleted.  If you would like to exercise this right, please contact us through the contact information below. Additionally, you are entitled to see information third parties provide us as part of our fraud detection, prevention, and risk assessment efforts if all of the following factors apply: (i) we use third parties to carry out automated checks or risk assessments, (ii) we make a decision which has legal consequences for you or which significantly affects you, and (iii) such decision is based solely on such automated checks or risk assessments.

Requests should be addressed to:

Financial Abstinence L.L.C.

2210 Cedar Street

Santa Anna, CA 92707


8.  YOUR CALIFORNIA PRIVACY RIGHTS.  Under the California Consumer Privacy Act of 2018 (“CCPA”), California residents have certain rights around our collection, use, and sharing of their personal information.  We do not sell your personal information and will not do so in the future without providing you with notice and an opportunity to opt-out of such sale as required by law. Similarly, we do not offer financial incentives associated with our collection, use, or disclosure of your personal information.


We collect various categories of personal information when you use the Website, which may include, but not be limited to, identifiers, commercial information, and internet or other electronic network or device activity information. A more detailed description of the information we collect and how we use it is provided above in Section 3. Sections 4 and 5 describe the categories of third parties, if any, with whom we share personal information, and what information may be shared under different circumstances.

If you are a resident of California, you have the right to request to know what personal information has been collected about you and to access that information. You also have the right to request the deletion of your personal information. However, exceptions under the CCPA may allow us to retain and use certain personal information, notwithstanding your deletion request.  You may also send your request by email to [email protected]‌ or through regular mail to 2210 Cedar Street, Santa Anna, CA 92707. We will not discriminate against you for exercising your rights under the CCPA. An agent may submit a request on your behalf, but you must verify that your agent is authorized to do so.

Separate from the CCPA, California's “Shine the Light” law (Civil Code Section § 1798.83) permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to [email protected]‌

9.  DATA SECURITY. We have implemented measures designed to secure your personal information from accidental loss and unauthorized access, use, alteration, and disclosure. The safety and security of your information also depend on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website. 

10.  DATA RETENTION & PROCESSING.  We will keep the information you store with us for as long as we need it to provide you the Website, and we may store, use, and transmit information in locations around the world, including those outside your country. Even if you delete your account, We will keep this information and any data collected regarding all activities you have already engaged under your use of the Website for some time as allowed by state and federal law. 

For EU residents, upon written request to [email protected]‌ , any personal data we would have been processing on your behalf would be deleted permanently within 30 calendar days.

After such a period passes, we will delete this information. Still, there may be some latency in deleting this information from our servers and back-up storage, and we may keep this information if necessary, to comply with any legal obligations such as resolving disputes or enforcing our relevant agreements.  We may also retain cached or archived copies of your information until it is deleted on our servers within a period congruent with our normal course of business.  For EU residents, upon written request to [email protected]‌, any personal data we would have been processing on your behalf would be deleted permanently within 30 calendar days.

For users outside the United States: We are headquartered in California, and to provide the Website to you, we must transfer your data to the United States and process it there.  By visiting or using the Website, you consent to the storage of your data on servers located in the United States.  If you are using the Website from outside the United States, you consent to the transfer, storage, and processing of your data in and to the United States or other countries.  Specifically, personal data collected in Switzerland and the European Economic Area (“EEA”) is transferred and stored outside those areas.  That data is also processed outside of Switzerland and the EEA by us, or our service providers, including to process transactions, facilitate payments and provide support services.  By submitting your data or using the Website, you consent to this transfer, storage, and processing by us and our processors.]

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11.  CHANGES TO OUR PRIVACY POLICY.  It is our policy to post any changes we make to our privacy policy on this page. If we make material changes to how we treat our users’ personal information, we will notify you through a notice on the Website home page, an email, or other such means to bring the changes to your attention. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and this privacy policy to check for any changes.  By continuing to use or access the Website after the revisions come into effect, you agree to be bound by the revised Privacy Policy.


12.  CONTACT INFORMATION. To ask questions or comment about this privacy policy and our privacy practices, contact us at: [email protected]‌