This Privacy Policy explains how Wise Mind Media collects, uses, stores, and protects your personal information when you use Money Command Center (the "Service"), accessible at moneycommandcenter.com. It also explains the rights you have over your personal information and how to exercise those rights.
This policy applies to all visitors and registered users of the Service, regardless of where you are located. If you are a resident of the European Economic Area (EEA), the United Kingdom, or California, you have additional rights described in sections 12 and 13.
By using the Service, you agree to the practices described in this policy. If you do not agree, please do not use the Service.
For purposes of the General Data Protection Regulation (GDPR) and the UK GDPR, the data controller responsible for your personal information is:
Wise Mind Media
Operator of Money Command Center
Contact: via our contact page
Wise Mind Media is a United States based entity. All requests relating to your personal information, including the rights described in sections 11, 12, and 13 of this policy, should be submitted through our contact page using the "Privacy Request" reason option.
When you sign in with Google, we receive your email address, display name, and profile picture from Google. We do not receive or store your Google password. We use this information to create and maintain your account.
You voluntarily enter financial information into the Service. This may include income amounts, expense categories, savings goals, asset values, liability balances, budget allocations, and similar information. You decide what to enter and what to leave out. The Service does not connect to, read from, or import data from your bank, credit card, or any financial institution.
If you subscribe to the Command tier and complete the Personal Readiness Assessment, the Service stores the identity and commitment information you provide during that assessment. This may include your selected core values, your statement about money, your financial vision, your aspirations, your personal principles, your commitments across four domains (showing up, financial health, money relationships, financial growth), your chosen Power Statement, your financial goal and its purpose, your Journey Contract for the current season, your named derailers and early warning signs, your reset moves, your refusals, and your Rule, Routine, and Ritual method.
This information is identity-level personal data. It describes how you relate to money, what you have committed to, and what strategies you use when things get hard. We treat it as the most sensitive personal data the Service stores. It is not shared with other users, it is not used for marketing, and it is not sold. You may delete your Personal Readiness Assessment at any time from the assessment page, which clears the data from our database.
If you subscribe to the Plus, Pro, or Command tier and use the Ask the Coach feature, the Service stores your conversations with the AI Coach. Each conversation includes the messages you send, the responses the AI Coach generates, timestamps, and a few technical fields used to operate the feature (token counts, content filter flags, and a generated conversation title). These conversations are visible only to you and to the operator of the Service acting in a technical support or security capacity. You may delete any conversation at any time from the Ask the Coach sidebar, which permanently removes it from our database.
When you send a message to the AI Coach, the Service sends the following context to Anthropic PBC for the purpose of generating a response: your message, a snapshot of recent messages in that conversation (up to the last 20), a snapshot of your Allocation Command Center balances and recent transactions, a snapshot of your supplementary tool data (income, expenses, net worth, goals, and Economic Engine assessment result if you completed Lesson 10), and, if you are a Command tier subscriber and you have completed the Personal Readiness Assessment, a formatted copy of your assessment data. This transfer happens only at the moment you send a message. Anthropic processes the data under its standard commercial terms, returns a response, and does not use the data to train any AI model. See Section 7 for more detail on Anthropic as a processor.
If you purchase a paid subscription or a founder's lifetime deal, Stripe processes your payment directly. We receive confirmation of the transaction, including a transaction identifier, the tier purchased, and the amount. We do not see, receive, or store your full credit card number, expiration date, or security code at any time.
We collect basic information about how the Service is used, such as which pages are visited, which features are opened, and when sessions begin and end. This information is used to maintain the Service, diagnose technical issues, and identify which features matter most to users. It is not linked to advertising networks and is not sold or shared with third parties.
If you send us a message through the contact form, reply to an email we send, or otherwise communicate with us, we retain the content of that communication along with your email address and the date and time of contact.
If you are located in the EEA or the United Kingdom, we process your personal information on the following legal bases:
We use your information only to:
We do not:
Important: As of the effective date of this policy, Money Command Center does not use Google Analytics, Meta Pixel, TikTok Pixel, advertising retargeting scripts, or any third-party marketing or analytics trackers. If these tools are introduced in the future, this Privacy Policy will be updated before they become active, and residents of jurisdictions that require consent will be asked to opt in through a consent banner before any such tracker loads.
We rely on a small number of third-party service providers to operate the Service. Each processor listed below receives only the information it needs to perform its function, and each is bound by its own privacy practices and applicable data processing agreements.
Used to authenticate users who sign in with Google. We receive your email address, display name, and profile picture. We do not receive your Google password. See Google's privacy policy at policies.google.com/privacy.
Processes subscription and one-time payments. Stripe receives your payment details directly through its secure checkout. We do not see or store your card information. See Stripe's privacy policy at stripe.com/privacy.
Used to deliver transactional and opt-in marketing emails. Amazon SES receives recipient email addresses and message content solely to deliver the messages you expect from us. See AWS's privacy notice at aws.amazon.com/privacy.
Used to generate responses for the Ask the Coach feature. When you send a message to the AI Coach, we send the following information to Anthropic's Claude API: your current message, a snapshot of recent messages in the same conversation, a snapshot of your Allocation Command Center balances and recent transactions, a snapshot of your supplementary tool data (income, expenses, net worth, goals, and Economic Engine assessment result if completed), and, if you are a Command tier subscriber and have completed your Personal Readiness Assessment, a formatted copy of your assessment data. Anthropic uses this information only to generate a response and return it to us. Anthropic does not use your data to train any AI model. Anthropic acts as a data processor under its standard commercial terms and data processing addendum. See Anthropic's privacy policy at anthropic.com/legal/privacy.
If you do not want your Personal Readiness Assessment data included in Coach requests, you may delete your assessment from the Personal Readiness Assessment page before using the Coach, or you may avoid using the Ask the Coach feature entirely. If you do not want your Command Center data included in Coach requests, you may avoid using the Ask the Coach feature entirely. Other tools in the Service continue to work without sending data to Anthropic.
If you interact with our Instagram account (@moneyoncommand) and trigger a keyword response, ManyChat delivers the automated reply on our behalf. ManyChat processes the Instagram profile information Meta shares with it in connection with that interaction. See ManyChat's privacy policy at manychat.com/privacy.html.
Hosts the Service's web servers and databases. Hostinger provides infrastructure services only and does not have independent access to user content. See Hostinger's privacy policy at hostinger.com/privacy-policy.
Your data is stored in MySQL databases on secured servers operated by our hosting provider. All connections between your browser and the Service are encrypted using HTTPS and TLS. We follow industry-standard practices including parameterized database queries, input sanitization, session management, cross-site request forgery (CSRF) protection on all state-changing requests, and password-less authentication via Google OAuth.
For the Ask the Coach feature, we apply additional safeguards: a content filter that scans AI responses for disallowed advice-shaped language before delivery, a prompt injection defense that neutralizes suspicious patterns in user-submitted identity text before it is sent to the AI processor, and a server-side tier enforcement layer that caps monthly message counts based on your subscription.
No method of transmission over the internet or electronic storage is 100 percent secure. While we work hard to protect your personal information, we cannot guarantee absolute security. If we become aware of a data breach that affects your personal information, we will notify affected users and, where required by law, the relevant authorities within the timeframes required by applicable law.
Money Command Center is operated from the United States, and our infrastructure providers (Hostinger and Amazon Web Services) host data on servers located in the United States. Our AI processor (Anthropic PBC) is also based in the United States. If you access the Service from outside the United States, including from the EEA, the United Kingdom, or any other jurisdiction, your personal information will be transferred to, stored in, and processed in the United States.
The United States may not offer the same level of data protection as the jurisdiction from which you are accessing the Service. When we transfer personal information from the EEA or the United Kingdom to the United States, we rely on appropriate safeguards including the Standard Contractual Clauses published by the European Commission, supplemented by the technical and organizational measures described in section 8 of this policy.
By using the Service, you acknowledge that your personal information will be transferred to and processed in the United States.
We retain your personal information for as long as your account is active or as needed to provide the Service. Specifically:
Regardless of where you live, you have the right to:
To exercise any of these rights, visit our contact page and select "Privacy Request" from the reason dropdown. We will respond within 30 days.
If you are located in the European Economic Area, Switzerland, or the United Kingdom, you have additional rights under the GDPR and the UK GDPR:
To exercise these rights, contact us through our contact page. We will respond within 30 days as required by GDPR Article 12.
If you are a California resident, the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), gives you the following rights:
To exercise any of these rights, visit our contact page and select "Privacy Request" from the reason dropdown. We will verify your identity before processing the request and respond within the timeframes required by California law.
California residents may request information about our disclosure of personal information to third parties for direct marketing purposes. We do not disclose personal information to third parties for their direct marketing purposes.
Money Command Center uses only strictly necessary cookies as of the effective date of this policy. These are:
Strictly necessary cookies do not require your consent under GDPR, the ePrivacy Directive, or similar laws because they are essential to providing a service you have requested. You can configure your browser to refuse cookies, but parts of the Service may not function correctly if you do.
Future tracking technologies: We may introduce analytics, marketing, or advertising cookies in the future. If and when we do, this policy will be updated, and users in jurisdictions that require consent will be presented with a consent banner that allows granular opt-in before any non-essential cookie or tracker loads. You will always be able to change your preferences.
Money Command Center is not intended for use by anyone under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and you believe your child has provided us with personal information, please contact us through our contact page and we will delete the information promptly.
For users in jurisdictions where the age of digital consent is higher than 18, the higher threshold applies.
We may update this Privacy Policy from time to time to reflect changes to our practices, the Service, or applicable law. When we make material changes, we will:
Your continued use of the Service after changes take effect constitutes acceptance of the updated policy. If you do not agree with the changes, you may cancel your account and request deletion of your personal information before they take effect.
For any privacy-related question, request, or concern, including requests to exercise any of the rights described in this policy, please use our contact page and select "Privacy Request" from the reason dropdown. This is the fastest and most reliable way to reach us.
We respond to all privacy requests within the timeframes required by applicable law (typically 30 days under GDPR and 45 days under CCPA). If we need more time, we will let you know and explain why.