What Changed?

We’ve updated this Privacy Policy to reflect the following:

• Transitioned from a Teen Millionaires Club™–only privacy policy to a unified Privacy Policy for Readier Today™ LLC
• Clarified that this policy applies to ReadierToday.com, TeenMillionairesClub.com, and all programs operated by Readier Today™ LLC
• Expanded disclosures to account for both youth and adult participants, including coaches, partners, and general subscribers
• Updated contact information to hello@readiertoday.com
• Retained and reinforced protections for minors, including COPPA-related parental rights and consent provisions
• Made structural updates to support the continued growth of Readier Today™ LLC as an Oregon Public Benefit Company

Readier Today™ LLC (“Readier Today™,” “Company,” “we,” “us,” or “our”) respects your privacy and is committed to protecting personal information entrusted to us.

This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit:

• ReadierToday.com
• TeenMillionairesClub.com
• Any websites, programs, courses, communications, or services operated by Readier Today™ LLC, including Teen Millionaires Club™ (“TMC™”)

If you do not agree with this Privacy Policy, please do not use our services.

1. Who We Are

Readier Today™ LLC is an Oregon Public Benefit Company that develops educational programs designed to prepare individuals—especially teens and young adults—with financial, entrepreneurial, and future-ready skills.

Teen Millionaires Club™ (TMC™) is a program operated by Readier Today™ LLC.

We strive to operate responsibly, transparently, and with appropriate parental involvement when serving minors.

2. Information We Collect

A. Information You Provide Voluntarily

We may collect personal information when you:

• Register for programs
• Subscribe to newsletters
• Complete forms or surveys
• Apply to become a coach, mentor, contractor, or partner
• Participate in events or webinars
• Contact us directly

This information may include:

• Name
• Email address
• Phone number (optional)
• Mailing address (if provided)
• Teen’s name, age, or birthday (for youth programs)
• Parent or guardian contact information
• Payment information (processed securely by third-party providers)
• Information shared in applications or surveys

We do not intentionally collect sensitive personal information unless required for a specific program and disclosed in advance.

B. Information Collected Automatically

When you visit our websites, we may collect:

• IP address
• Browser type
• Device type
• Pages visited
• Referring URLs
• Basic usage analytics

This information is used to understand website performance, improve services, and maintain platform security. It is not used to personally identify individuals unless necessary for security or fraud prevention.

3. Children’s and Teen Privacy (COPPA Notice)

Protecting minors’ privacy is important to us.

Certain programs, including Teen Millionaires Club™, are designed for teenagers.

For youth participants:

• Parents or legal guardians are the primary decision-makers.
• We do not knowingly collect personal information from children under 13 without verifiable parental involvement or consent.
• Teen email addresses and phone numbers, if collected, are used only for program-related communication (such as scheduling, reminders, and educational updates).
• We do not sell or use minors’ personal information for third-party advertising.

Parents or guardians may:

• Request access to their child’s information
• Request corrections
• Request deletion
• Revoke consent for email or SMS communications

If we discover that we have collected information from a child under 13 without appropriate parental involvement, we will delete it promptly.

4. How We Use Information

We may use collected information to:

• Operate and administer programs
• Communicate about schedules, updates, and events
• Send newsletters or educational content
• Provide customer support
• Process payments
• Improve curriculum and services
• Ensure compliance with legal obligations
• Protect the security and integrity of our platforms

We do not sell, rent, or trade personal information.

5. Email Communications

If you subscribe to email communications:

• You may receive newsletters, program updates, educational materials, or administrative notifications.
• You may unsubscribe at any time using the link included in any email.
• Signing up for emails does not automatically enroll you in paid programs.

6. SMS / Text Message Communications

If you opt in to receive SMS or text messages:

• Messages may include session reminders, program updates, event notifications, or administrative communications.
• Message frequency may vary.
• Message and data rates may apply.
• Consent to receive SMS messages is not a condition of purchase.

You may opt out at any time by replying STOP.
For assistance, reply HELP or contact us at hello@readiertoday.com.

Mobile carriers are not liable for delayed or undelivered messages.

Opting out of SMS does not automatically unsubscribe you from email communications.

7. Cookies and Tracking Technologies

We use limited cookies and analytics tools to:

• Improve website functionality
• Understand traffic patterns
• Enhance user experience

We do not use third-party behavioral advertising trackers.

If our practices change, we will update this Privacy Policy accordingly.

8. Sharing of Information

We may share limited personal information only:

• With trusted service providers (such as hosting providers, email platforms, SMS services, payment processors, analytics providers, and video platforms) who assist in operating our programs
• When required by law
• To protect legal rights, safety, or property

Service providers are permitted to use information only to perform services on our behalf and must safeguard that information.

9. Data Security

We implement reasonable administrative, technical, and organizational safeguards to protect personal information.

While no system can guarantee complete security, we take appropriate steps to reduce risk and protect data responsibly.

10. Data Retention

We retain personal information only as long as necessary to:

• Fulfill the purposes outlined in this policy
• Comply with legal obligations
• Resolve disputes
• Enforce agreements

11. Your Rights and Choices

Depending on your location, you may have rights to:

• Access personal information
• Correct inaccurate information
• Request deletion
• Withdraw consent
• Opt out of communications

Requests may be submitted to hello@readiertoday.com.

12. Changes to This Privacy Policy

We may update this Privacy Policy periodically.

Changes will be reflected in the “Last Updated” date at the top of this page.

Continued use of our services after updates constitutes acceptance of the revised policy.

13. Contact Information

Readier Today™ LLC
Oregon Public Benefit Company

Email: hello@readiertoday.com
Website: https://www.readiertoday.com

Teen Millionaires Club™ is a program operated by Readier Today™ LLC.