Here is where you will find policies, terms and conditions pertaining to the Money For the Rest of Us:
- General Education policy
- General Data Protection Regulation (GDPR)
- Refunds and Cancellation
- Advertising and Affiliate Policy
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.
Darby Creek Advisors LLC (dba Money For the Rest of Us) is committed to protecting your privacy.
What Information Do We Collect?
The information we collect depends on how you interact with our website.
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 Facebook 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.
By subscribing 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 Facebook for advertising and analytics and may share users’ names and emails with Facebook for these purposes. This is done only with permission. In this case, Facebook 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.
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 express prior permission, 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 Stripe Inc., ActiveCampaign LLC., Google Analytics, Drip by Avenue 81 Inc., Hotjar, Cloudflare, Deadline Funnel, Google (reCAPTCHA), and Zapier. We also share information with Facebook for marketing and analytics. In these limited cases, your information is handled securely in accordance with the privacy and data policies of these companies. We have signed data processing agreements with each of these companies and in the case of Facebook, have agreed to their Data Processing Terms. For members of the EU, these companies and services are GDPR compliant. You can read their privacy policies by following the hyperlinks on each of their names.
WP Engine is the hosting company for the Money For the Rest of Us website. Stripe Inc. is the credit card processor used by Money For the Rest of Us. ActiveCampaign LLC is the email provider used by Money For the Rest of Us. Drip is used to verify Plus membership to access Plus audio content via the Money For the Rest of Us mobile app or through a member’s preferred podcasting app.
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 submitted there can be read, collected or used by other users of these forums. 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 submit 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 firstname.lastname@example.org
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 email@example.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 t0 firstname.lastname@example.org. 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
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.
When you use and access the Service, we may place a number of cookies files in your web browser.
- To enable certain functions of the Service
- To provide analytics
- Track website usage, including identifying cross-platform repeat visitors
- To store your preferences
- 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:
- Accounts-related cookies. We may use accounts-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.
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.
What are your choices regarding cookies
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/
Refunds and Cancellation
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 subscription. In order to access the premium content you agree to pay the monthly or annual subscription price, or a one-time lifetime payment. Your credit card will be charged each month, annually, or one time depending on which subscription type you choose.
If you 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 subscription. 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 Subscription Refunds
Within 30 days of the purchase of your annual or lifetime subscription, you may request a refund by emailing email@example.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.
You have the right to cancel your monthly subscription at any time and you will have access to the content through the end of the current month billing cycle. To cancel, please send me an email at firstname.lastname@example.org No refunds are provided for monthly memberships.
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 me and I’ll make sure you get what you need. You can email me at email@example.com
Charges and Customer Service
All credit card charges will appear as:
Money For the Rest of Us
P.O. Box 9277
Phoenix, AZ 85068
You can contact us at
or by phone
Advertising and Affiliate Policy
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. The only affiliate relationship maintained by Money For the Rest of Us is with Amazon in which commissions are paid on qualifying purchases.
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.