Here is where you will find policies, terms and conditions, and disclaimers pertaining to the Money for the Rest of Us:
- General Education Policy
- Privacy Policy and Use of Personal Information
- General Data Protection Regulation (GDPR)
- Cookie Policy
- Disclaimer
- Advertising and Affiliate Policy
- Refunds and Cancellation
- Contact
NOTICE: Please read the Disclaimer and policies set forth below, which are legally binding. By visiting, viewing, or using this website and/or by using any program, product, course or service from us, you agree to be bound by this Disclaimer and our
General Education
Money for the Rest of Us is a media company and the guides, podcasts, strategies, and reports are provided for informational and educational purposes only and should not be construed as personalized investment advice. The information provided does not consider the economic status or risk profile of any specific person.
The information and opinions expressed should not be construed as investment/trading advice or investment recommendations and do not constitute an offer, or an invitation to make an offer, to buy and sell securities.
The information and opinions contained on this website are for investment education and considered general communications in the form of an online financial newsletter / broadcast video and audio shown to the general public.
The model asset allocations and model portfolios on the site are hypothetical examples and not investment recommendations. Individuals who are considering applying the model asset allocations and model portfolios to their individual situations should consider their other assets, income, and investments such as home equity, individual retirement plan assets, savings accounts, interest in other qualified and non-qualified plans, and may want to consult with a qualified financial advisor.
The information on the site was obtained from various sources. Darby Creek Advisors LLC (dba Money for the Rest of Us) does not guarantee the accuracy or completeness of such information provided by third parties.
Money for the Rest of Us and Darby Creek Advisors LLC assume no obligation to update this information, or to advise on further developments relating to it.
Any return expectations provided for individual asset categories, model asset allocations, or model portfolios are not intended as, and must not be regarded as, a representation, warranty, or prediction that an investment will achieve any particular rate of return over any particular time-period or those investors will not incur losses.
It is your responsibility to take all necessary steps to independently verify and ascertain that any information you choose to rely on from, access through or take action based upon this website or our Products is accurate, as we are not responsible for your use of the information obtained from or accessed through this website or our Products. Any views expressed on this website are solely the personal views of the author and do not necessarily reflect the views of the Darby Creek Advisors LLC.
Privacy Policy and Use of Your Personal Data
This
Darby Creek Advisors LLC (dba Money for the Rest of Us) is committed to protecting your
What Information Do We Collect?
The information we collect depends on how you interact with our website.
We use cookies, as do most companies, to make the Money for the Rest of Us website easier to use and to improve our services and marketing (see our cookies policy below). These place small amounts of information on your computer and cookies are used by most major websites and by data processors, such as Google Analytics and ActiveCampaign LLC, Meta (Facebook & Instagram), X/Twitter, Matomo, and Hotjar Ltd, to help see how users use our site. We do not ourselves see or process that information other than through Google Analytics, ActiveCampaign LLC, Meta, Matomo, and Hotjar. You may refuse these cookies in your browser, but this might disrupt the functioning of some services or features.
When subscribing to the Insider’s Guide by Money for the Rest of Us, or other dedicated email lists related to courses or notifications regarding Plus membership enrollment, you submit to us your email address, geolocation (via IP address), and name (depending on your email settings), which is stored by ActiveCampaign LLC, our email platform, in accordance with our agreement with ActiveCampaign LLC. You may unsubscribe from these emails at any time request that your information is erased.
Using Deadline Funnel (integrated with email) we collect cookies and IP addresses to facilitate special offers.
We use Meta Pixel for marketing and analytics. Information collected through the pixel includes data present in HTTP headers (such as IP address, the person using the website, web browser information, and more), Pixel-specific Data, Button Click Data, Optional Values, and Form Field Names. You can learn more here.
We use X/Twitter for advertising purposes. The information we collect, which may be hashed or anonymized to ensure your
We also collect device information, such as software, hardware, and screenshot (Google reCAPTCHA), as well as other activity indications to aid with security and site function.
By joining to Money for the Rest of Us Plus, you consent to our storage and use of the personal data which concerns you and that you have willingly and voluntarily transmitted to us. Money for the Rest of Us Plus collects and stores only your email, your selected username and the personal name which you submitted during signup and account creation. For information on payment information, see the “Payment Transactions” section below.
How Will Your Information Be Used?
Subscribers to the Insider’s Guide and other dedicated Money for the Rest of Us email lists have their email, geolocation, and name stored by ActiveCampaign LLC, our email platform. We use this platform to securely email all of our subscribers and by submitting your email, you consent to receive emails and occasional promotions from Money for the Rest of Us. You may unsubscribe from these emails at any time.
We use ActiveCampaign to gather statistics about email opening and clicks as well as to track users’ interactions with our website and other content. This allows us to better understand how the site is used, better serve our users, understand users’ interests, and run/improve our marketing. You can read ActiveCampaign’s
We also use Hotjar to track users’ interactions on our website to help with marketing and create content that best serves our users. You can read Hotjar’s
Using Deadline Funnel (integrated with email) we collect cookies and IP addresses to facilitate special offers. You can find Deadline Funnel’s
We use Meta for advertising and analytics and may share users’ names and emails with Meta for these purposes. This is done only with permission. In this case, Meta is acting as a data processor and is strictly and legally limited in how they are able to use this data. You can read specifics in their Data Processing Terms. You have a right to opt-out and have your information permanently deleted.
We also run lead generation ads on Meta platforms, where users may voluntarily provide their contact details (such as name, email address, or phone number) by filling out forms. When you provide this information, it is collected by Meta and shared with us for the purpose of providing you with relevant offers or information. We handle your data according to our
We use X/Twitter for advertising purposes. The information we collect, which may be hashed or anonymized to ensure your
Members of Money for the Rest of Us Plus have only their email, submitted given names, and username stored. This data is necessary for us to maintain your account, contact you about upcoming events, newsletters, additional site benefits, promotions, and other mutually agreed-upon reasons. By signing up for Money for the Rest of Us Plus, you agree and specifically allow us to contact you in this manner unless you otherwise specifically notify us in writing. Members’ payment information is also processed through and stored with Stripe Inc.
With Whom Will Your Information Be Shared
Without your consent, Darby Creek Advisors LLC dba Money for the Rest of Us does not sell, rent or otherwise transmit your personal data to third parties, outside those used to maintain or operate the website and services or when it may be necessary by law, litigation, or requests from government authorities within or outside your country of residence. Our necessary third-party affiliates include in the chart below. In these limited cases, your information is handled securely in accordance with the
| Recipient | Purpose of processing | Lawful basis | Data location and security | Personal data collected by the third party | Privacy policy |
|---|---|---|---|---|---|
| Active Campaign | To send out service and marketing emails, track marketing and affiliates, track website usage, and sort geo locations of users. | Consent and/or Contract | United States, Australia, Ireland, and other countries. | Name, email address, geo-location | Link |
| Cloudflare | Help prevent spam bots | Legitimate Interest | Cloudflare may transfer data to other countries. | IP address, browser type, Google ID, device info, clicking and typing, screen information, language used in the browser, browser plugins. | Link |
| Deadline Funnel | Create and facilitate marketing offers | Consent | Deadline Funnel strives to not transfer data, but we assume does. | IP address and email | Link |
| Glow Technologies Inc. | Deliver products | Contract | USA | Name, email, and use information. | Link |
| Google reCAPTCHA | Help prevent spam bots | Legitimate Interest | Google moves and stores data around the world. | IP address, browser type, Google ID, device info, clicking and typing, screen information, language used in the browser, browser plugins. | Link |
| Google Workspace | Buisiness operations and record keeping | Legitimate Interest | Worldwide | All informaion held in Google Workspace is encrypted and not accessible by Google. This informaiton may include any that you privide to us as part of using our producs or services. Such as name, email, addresses, etc. | Link |
| Matomo Cloud | To collect and analyse information about how you interact with our websites | Consent | Germany and Ireland | Anonymised IP address, Pages visited, browser and device used, mouse movements, anonymised key strokes, and more. | Link |
| Meta | Marketing | Consent | Worldwide | Ad interactions, name, email, cookie IDs, device IDs, phone numbers, web page you visited, interests, demographics, IP address, browser type, operating system, cookie information, and conversion data. | Link |
| Stripe | To collect and process payment information | Contract | Stripe transfers data to the United States and may do so globally. | Credit card details, name, billing address, IP address | Link |
| Twilio | Send out emails | Contract | We believe Twilio transfers user data to third-party countries. | Email and name. | Link |
| WP Engine | Website and data hosting | Contract | Worldwide | WP Engine Hosts information you share with us. This can include name, emails, IP addresses, etc. | Link |
| X/Twitter | Marketing | Consent | Worldwide | Ad interactions, name, email, cookie IDs, device IDs, phone numbers, web page you visited, demographics, interests, IP address, browser type, operating system, cookie information, and conversion data. | Link |
| Zapier | Buisiness operations and record keeping | Legitimate Interest | USA | Name and email | Link |
We also participate in affiliate marketing, which involves the placement of cookies that share personally identifiable information. You can learn more about our policies regarding affiliate marketing and cookies in our Cookie Policy below.
If you access the Money for the Rest of Us Plus podcast through glow.fm then you are willing to share your email and use data with them. We have signed a data processing agreement with Glow Technologies Inc. and you can find their
Payment Transactions
Payment transactions for Money for the Rest of Us Plus are hosted through Stripe, Inc.. Darby Creek Advisors LLC dba Money for the Rest of Us does not store or process your personal information in relation to your payment transactions. A copy of the Stripe, Inc.
Protection of Personal Information
Darby Creek Advisors LLC dba Money for the Rest of Us takes the security of your personal information very seriously. We have implemented security procedures, rules and technical measures to protect the personal data that we have under our control from: • Unauthorised access; • Improper use or disclosure; • Unauthorised modification. Our employees, who have access to and are associated with the process of personal data, are obliged to respect the confidentiality of our visitors’ and supporters’ personal data.
Disclosures Made within the Money for the Rest of Us Plus Forums
Users of the forums available on Money for the Rest of Us Plus should be aware that any personally identifiable information posted therein, including display names, can be read, collected, or used by other users of these forums as well as web crawlers. Darby Creek Advisors LLC dba Money for the Rest of Us is not responsible for the potential misuse by third parties of any personally identifiable information that you choose to post in our forums.
If you believe your personal information has been transmitted by Darby Creek Advisors LLC dba Money for the Rest of Us to a third party in violation of this agreement, please notify us immediately and we will take action to resolve the matter in a timely fashion.
With a simple request, we can delete or correct, in case of mistake, your personal information which is held by Darby Creek Advisors LLC dba Money for the Rest of Us.
Contact us at team@moneyfortherestofus.com
General Data Protection Regulation
Your Rights Under the GDPR. If you are a citizen or a resident of a country in the European Union, the GDPR grants you the following rights:
a. Access to Your Personal Data. You have the right to receive a copy of your personal data that is subject to processing by Money for the Rest of Us. Ordinary requests will be granted without charge to you within one calendar month of when you make the request. In cases of excessive, unreasonable, or repeated requests we may charge you a reasonable fee and may require additional time to grant your request. Also, we may use reasonable means to confirm your identity before granting any request for data so as to prevent granting fraudulent requests.
b. To have Your Data Corrected. If Your personal data is erroneous or outdated, You have the right to have it corrected. To do so, please contact us at jd@moneyfortherestofus.com.
c. To be Forgotten. You have the right to be forgotten by Darby Creek Advisors LLC dba Money for the Rest of Us. You may exercise this right by filling out this form and emailing it to jd@moneyfortherestofus.com. We will comply with your request, at no charge to you, within one calendar month by deleting your account, along with all of your personally-identifiable data that is subject to any Money for the Rest of Us processing. Naturally, after we grant your request you will not have access to the Insider’s Guide, Money for the Rest of Us Plus, or other products or services requiring storage of information, unless and until you open a new Money for the Rest of Us account. We may use reasonable means to confirm your identity before granting any request for data so as to prevent the granting of fraudulent requests.
d. To Restrict Processing of Your Data. You can request that your data not be processed via Darby Creek Advisors LLC dba Money for the Rest of Us’ partners. If you wish, you can even specify which third parties to restrict from processing your data. We will respond to your request, at no charge to you, within thirty (30) days from when you make your request. Please be advised that some of our partners, e.g., Stripe Inc., are essential to Money for the Rest of Us or Money for the Rest of Us Plus services, so that if you block processing by them, our services may be unavailable to you.
e. Portability. You have the right to receive a copy of your personal data that is subject to processing by Darby Creek Advisors LLC dba Money for the Rest of Us in a portable format, or to have it transferred directly from us to another party. Ordinary requests will be granted without charge to you within one calendar month of when you make the request. We may use reasonable means to confirm your identity before granting any request to transfer data to you or another party, so as to prevent granting fraudulent requests.
Changes to this Privacy Notice
We regularly review our
Cookie Policy
The following is our general cookie policy. For more specific details on the cookies active on the Money for the Rest of Us website see one of the following pages: UK Cookie Policy, EU Cookie Policy, CA Cookie Policy, AU Cookie Policy, ZA Cookie Policy, BR Cookie Policy.
General Cookie Policy Last updated: December 15th, 2022
Darby Creek Advisors LLC dba Money for the Rest of Us (“us”, “we”, or “our”) uses cookies on the https://moneyfortherestofus.com website (the “Service”). By using the Service, you consent to the use of cookies.
Our Cookies Policy explains what cookies are, how we use cookies, how third-parties we may partner with may use cookies on the Service, your choices regarding cookies and further information about cookies.
What are cookies
Cookies are small pieces of text sent to your web browser by a website you visit. A cookie file is stored in your web browser and allows the Service or a third-party to recognize you and make your next visit easier and the Service more useful to you.
Cookies can be “persistent” or “session” cookies. Persistent cookies remain on your personal computer or mobile device when you go offline, while session cookies are deleted as soon as you close your web browser.
How Money for the Rest of Us uses cookies
When you use and access the Service, we may place a number of cookies files in your web browser.
We use cookies for the following purposes:
- To enable certain functions of the Service
- To provide analytics
- Track website usage, including identifying cross-platform repeat visitors
- To store your preferences
- Marketing and affiliate tracking
- Help prevent spam bots with Google Invisible reCAPTCHA and Cloudflare (see the section on personal data above)
We use both session and persistent cookies on the Service and we use different types of cookies to run the Service:
- Essential cookies: We may use cookies to remember information that changes the way the Service behaves or looks, such as a user’s language preference on the Service.
- Accounts-related cookies: We may use account-related cookies to authenticate users and prevent fraudulent use of user accounts. We may use these cookies to remember information that changes the way the Service behaves or looks, such as the “remember me” functionality.
- Analytics cookies: We use analytics cookies to track information how the Service is used so that we can make improvements. This includes heat maps, visitor site behavior recordings, and identifying cross-platform repeat visitors. We may also use analytics cookies to test new advertisements, pages, features or new functionality of the Service to see how our users react to them.
- Marketing cookies: We may use cookies via the Service and newsletters to enable and run marketing promotions and offers, and for affiliate tracking.
Third-party cookies
In addition to our own cookies, we may also use various third-parties cookies to report usage statistics of the Service, deliver advertisements on and through the Service, and so on.
Affiliate marketing cookies
Money for the Rest of Us partners with affiliate programs to help us earn commissions when referring people to products that we endorse. You will be notified when a link is an affiliate link and when clicked a cookie is placed in your web browser. This cookie allows purchases you make from our affiliate partners within a set period of time to be credited to us as a referral. Other personally identifiable information may also be shared with these partners when these cookies are placed. You can find the
Money for the Rest of Us also runs our own affiliate marketing program. Cookies are placed when users click our affiliate links on partner websites. You should be made aware that you are clicking an affiliate link when you do so. Our affiliate cookies allow us to credit our partners with referrals that lead to sales and they automatically expire after 60 days. You can learn more about our affiliate program here.
What are your choices regarding cookies
If you’d like to delete cookies or instruct your web browser to delete or refuse cookies, please visit the help pages of your web browser. We have listed some of these below.
U.S. users can also opt-out of cookies on our opt-out page by clicking here.
Please note, however, that if you delete cookies or refuse to accept them, you might not be able to use all of the features we offer, you may not be able to store your preferences, and some of our pages might not display properly.
- For the Chrome web browser, please visit this page from Google: https://support.google.com/accounts/answer/32050
- For the Internet Explorer web browser, please visit this page from Microsoft: http://support.microsoft.com/kb/278835
- For the Firefox web browser, please visit this page from Mozilla: https://support.mozilla.org/en-US/kb/delete-cookies-remove-info-websites-stored
- For the Safari web browser, please visit this page from Apple: https://support.apple.com/guide/safari/manage-cookies-and-website-data-sfri11471/mac
- For any other web browser, please visit your web browser’s official web pages.
Where can you find more information about cookies
You can learn more about cookies and the following third-party websites:
- AllAboutCookies: http://www.allaboutcookies.org/
- Network Advertising Initiative: http://www.networkadvertising.org/
Disclaimer
Last Updated on October 11, 2021
General Disclaimer
The content on this website is provided to you “as is” and is intended to serve as general information. While we strive to provide you with quality content, we give no representation or warranty that the content is accurate, complete, updated, timely, relevant or free from typographical, technical, informational or pricing errors and omissions, whether negligent or otherwise. By using this website or any Products, you agree and acknowledge that your use of this website and use of any Products is solely at your own risk.
This Disclaimer and other policies were created with the help of Plug and Law and Privacy Policy Solutions.
Third-Party Links
Our website may contain links to third-party websites, for example, through hyperlinks we provide or through banners or advertisements, solely as a convenience to you. However, we are not responsible for any content found on or accessed through any links to third-party websites. Any links to third-party websites we provide do not serve as endorsements by us for the third-party website or any of the products or services you may find on such website. We have no control over third parties and assume no responsibility for any third-party websites or any of the products or services you may find on such websites, even if you access a third party website through a link on this website. If you choose to access a third-party website, it is solely at your own risk.
Testimonials Disclaimer
This website may contain testimonials by users of our Products. Each testimonial reflects solely the personal view, opinion, or experience of the individual providing the testimonial and does not reflect our views or opinions. You should not rely on any testimonial as indicative of a certain result or outcome. We do not claim, nor should you assume that your use of our Products will lead to the same result or outcome. We also do not independently verify, nor can we guarantee the accuracy of any information provided in such testimonials.
We do not pay or provide any form of compensation to individuals for providing testimonials.
Advertising and Affiliate Policy and Disclaimer
Money for the Rest of Us is paid by sponsors to advertise on the Money for the Rest of Us podcast. These are direct payments as opposed to affiliate commissions.
Money for the Rest of Us strives to only accept sponsors for products that David has used. Any investment-related products that are sponsors for the show will be products that David has used personally in his own investment portfolio.
This website may contain links to affiliate websites. When you click on and/or make a purchase through an affiliate link placed on our website, we may receive a small commission or other form of compensation at no additional cost to you. Please assume that any links contained on our website are affiliate links. Our use of affiliate links does not influence the products, services and websites that we share with you. This Disclaimer applies to all of the various means we use to communicate with you, including via this website, email, phone, social media, our Products or otherwise.
Amazon Affiliate Disclaimer
We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites. When you click on and/or make a purchase through a link to an Amazon affiliate link placed on our website, we may receive a small commission at no additional cost to you. As an Amazon Associate I earn from qualifying purchases.
Changes to the Disclaimer, Privacy Policy, Cookie Policy, and any other Policies
We reserve the right to amend this Disclaimer and our policies at any time without notice to you. We will alert you to any changes by posting the effective date of the latest version at the top of this page, at which point any changes will become immediately effective. It is your responsibility to check for updates, as your continued use of the website and our Products after this Disclaimer or our policies are amended will constitute your acceptance and agreement to continue to be bound by this Disclaimer, as amended.
Refunds and Cancellation
Last Updated on March 3, 2023
Money for the Rest of Us Plus provides intellectual content such as video courses, audio lessons and other online materials.
Membership to the Money for the Rest of Us Plus is by monthly, annual, or lifetime membership. In order to access the premium content you agree to pay the monthly or annual membership price, or a one-time lifetime payment. Your credit card will be charged each month, annually, or one time depending on which membership type you choose.
If your credit card payment fails, we’ll contact you and if we can’t get the issued resolved, We reserve the right to suspend your account.
Money for the Rest of Us reserves the right to change what is offered as part of a Plus membership. You will never be charged more than the amount you agreed to at the time you joined as a Plus member.
All content is hosted on robust and secure third-party platforms including WP Engine, Vimeo and Amazon Web Services. Your credit card information is processed and stored by Stripe Inc. Everything is done to avoid any slowdown or unexpected downtime of the services, but it is not possible to guarantee these slowdowns will not occur, or to foresee any downtime. No network or server problem or any other breakdown can be covered under any warranty. No repayment can be considered for any break or stop of the services, damage or data loss except under extreme circumstances where any such outage lasts beyond seven (7) consecutive days, in which case, a prorata refund may be offered at the sole discretion of Money for the Rest of Us.
Annual and Lifetime Membership Refunds
Within 30 days of the purchase of your annual or lifetime membership, you may request a refund by emailing jd@moneyfortherestofus.com. After receiving your email, your Money for the Rest of Us Plus membership will be canceled and refunded.
No refunds are provided after the first 30 days, and we do not provide pro-rata refunds for canceled accounts.
If for any reason Plus membership is discontinued during the first three years of your lifetime membership, you will receive a partial refund of your one-time lifetime Plus membership payment based on the amount of time you have been a member.
Monthly Membership
You have the right to cancel your monthly membership at any time and you will have access to the content through the end of the current month’s billing cycle. To cancel, please send me an email at jd@moneyfortherestofus.com. No refunds are provided for monthly memberships.
Delivery/Shipping Policy
Money for the Rest of Us Plus education materials are online in nature and are delivered via hosted video, audio, and written content.
If there is a time when you feel you didn’t receive or get access to the materials, just contact us and we’ll make sure you get what you need. You can email us at team@moneyfortherestofus.com
Charges, Customer Service, and Contact
All credit card charges will appear as:
Money for the Rest of Us
P.O. Box 68544
Tucson, AZ 85737
You can contact us at
team@moneyfortherestofus.com
Or by phone
208-557-9020
