Master the Time Value of Money

1. Information We Collect

We collect information you provide directly to us, such as when you request educational resources, contact us, or sign up for our services. This may include your name, email address, phone number, and educational preferences.

2. How We Use Your Information

We use the information we collect to provide educational services, respond to inquiries, send educational content, and improve our services. We may also use your information to comply with legal obligations and protect our rights.

3. Information Sharing

We do not sell, rent, or share your personal information with third parties except as described in this policy or with your consent. We may share information with service providers who assist us in operating our website and providing services.

4. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

5. Your Rights

You have the right to access, update, or delete your personal information. You may also opt out of receiving marketing communications from us at any time.

6. Contact Information

If you have questions about this Privacy Policy, please contact us at [email protected] or +1 (212) 555-7832.

Last updated: December 2024

1. Acceptance of Terms

By accessing and using Time Value Guides, you accept and agree to be bound by the terms and provision of this agreement.

2. Educational Purpose

All content provided is for educational purposes only and should not be considered as professional financial advice. Individual results may vary, and we recommend consulting with qualified financial professionals for personalized advice.

3. User Responsibilities

You agree to use our services only for lawful purposes and in a way that does not infringe the rights of others or restrict their use and enjoyment of the service.

4. Intellectual Property

All content, materials, and resources provided are protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without written permission.

5. Limitation of Liability

Time Value Guides shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services.

6. Modifications

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting on our website.

7. Governing Law

These terms shall be governed by and construed in accordance with the laws of New York, United States.

What Are Cookies

Cookies are small text files stored on your device when you visit our website. They help us provide you with a better user experience and allow certain features to function properly.

Types of Cookies We Use

Essential Cookies: These cookies are necessary for the website to function and cannot be switched off. They are usually set in response to your actions such as setting privacy preferences or logging in.

Analytics Cookies: These cookies help us understand how visitors interact with our website by collecting and reporting information anonymously.

Functional Cookies: These cookies enable the website to provide enhanced functionality and personalization based on your preferences.

Managing Cookies

You can control and manage cookies in various ways. Please note that removing or blocking cookies can impact your user experience and parts of our website may no longer be fully accessible.

Third-Party Cookies

We may use third-party services that place cookies on your device. These services have their own cookie policies which we encourage you to read.

Updates to Cookie Policy

We may update this Cookie Policy from time to time. We will notify you of any changes by posting the new policy on this page.

Contact Us

If you have any questions about our Cookie Policy, please contact us at [email protected]

Digital Millennium Copyright Act Policy

Time Value Guides respects the intellectual property rights of others and expects users to do the same. We will respond to clear notices of alleged copyright infringement.

Filing a DMCA Notice

If you believe that content on our website infringes your copyright, please provide our designated agent with the following information:

• A physical or electronic signature of the copyright owner or authorized representative
• Identification of the copyrighted work claimed to be infringed
• Identification of the infringing material and its location on our website
• Your contact information including address, telephone number, and email
• A statement of good faith belief that the use is not authorized
• A statement of accuracy and authorization to act on behalf of the copyright owner

Designated Agent

DMCA notices should be sent to:

Time Value Guides LLC
DMCA Agent
456 Wall Street, Suite 2301
New York, NY 10005
Email: [email protected]

Counter-Notification

If you believe your content was removed in error, you may file a counter-notification containing the required information as specified in the DMCA.

Repeat Infringers

We maintain a policy of terminating access for users who are repeat infringers of copyright.

Your Data Protection Rights Under GDPR

If you are a resident of the European Union (EU), you have certain data protection rights under the General Data Protection Regulation (GDPR).

Right to Access

You have the right to request copies of your personal data. We may charge you a small fee for this service.

Right to Rectification

You have the right to request that we correct any information you believe is inaccurate or complete information you believe is incomplete.

Right to Erasure

You have the right to request that we erase your personal data, under certain conditions.

Right to Restrict Processing

You have the right to request that we restrict the processing of your personal data, under certain conditions.

Right to Data Portability

You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

Legal Basis for Processing

We process your data based on legitimate interests, contract fulfillment, legal obligations, and your consent where applicable.

Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected and processed.

Exercising Your Rights

To exercise any of these rights, please contact us at [email protected] or +1 (212) 555-7832. We will respond to your request within 30 days.

Data Protection Officer

For GDPR-related inquiries, you may contact our Data Protection Officer at [email protected]