Privacy Policy

• Account information: your email address, and your name if you give it to us.
• Purchase information: payments are processed by Stripe. We receive your name, email, billing country and postal code, the amount paid and transaction identifiers. We never receive or store your full card number. If you choose Affirm or Klarna, they collect information directly under their own privacy policies.
• Course activity: lesson progress, practice check results, workbook entries, planning tool inputs, your learning path, and which lessons you open and when. Workbook entries and tool inputs may include financial details you choose to enter. You can use fictional figures if you prefer.
• AI conversations: the questions you ask the AI tutor or website assistant, and the responses.
• Technical information: essential cookies that keep you signed in and secure sign-in and checkout, and security logs such as IP address and browser details. For the website assistant and sign-in protection we store a keyed, one-way hash of your IP address to apply fair-use limits.
• Messages: anything you send us by email.

• To provide the course: create your account, sign you in, save your progress and work, and assemble your personal plan.
• To process purchases, prevent fraud and keep required business records.
• To send service emails, such as sign-in links, enrollment confirmations and important notices about your account.
• To run the AI tutor and website assistant.
• To improve the course, for example by reviewing aggregated progress and common questions.
• To keep the service secure, enforce our Terms and meet legal obligations.

We do not use your workbook entries or tool inputs for advertising. If we ever send marketing emails, we will do so only with your consent, and every message will include a way to unsubscribe.

We share personal information only with service providers that help us run Charted Money, under contracts that limit how they can use it:

• Stripe, for payment processing (and Affirm or Klarna, if you choose them).
• Railway, for website and database hosting.
• Resend, for delivering email.
• Anthropic, for AI processing. Your question and relevant course material are sent to Anthropic to generate a response. Under Anthropic's commercial terms, data sent through its API is not used to train its models.

We may also disclose information if required by law, to protect our rights or the safety of others, or as part of a sale or reorganization of our business, in which case this policy would continue to apply.

Our service providers may store and process information in the United States and other countries. Information stored outside Canada is subject to the laws of those countries and may be accessible to their authorities.

• Account and course data: while your account is active, or until you ask us to delete it.
• Purchase records: as long as tax and accounting laws require, generally six years.
• Website assistant conversations from visitors without an account: up to 12 months.
• Sign-in links and codes expire within 24 hours and are deleted after 30 days.
• Records of unsuccessful sign-in code attempts: 2 days.
• Records of which lessons you opened and when: 30 days.
• Notes about unusual account activity: 12 months.

We use encryption in transit, access controls, and hashed sign-in tokens and session identifiers, and we limit access to people and providers who need it. No system is perfectly secure, but we work to protect your information and will notify you and the authorities of a breach as the law requires.

To protect your account and the course, lessons show your email address in a licence line and carry an invisible mark linked to your account, so copied lesson text can be traced; an account can be signed in on a limited number of devices at once; and we review accounts that open lessons far faster than a person could read them.

We use a strictly necessary cookie to keep you signed in, and a short-lived cookie while you sign in. Your browser may also keep your current assistant conversation in session storage until you close the tab. We do not use advertising cookies.

You can ask to access or correct your personal information, ask us to delete your account, or withdraw your consent (which may mean we can no longer provide the course). Email support@chartedmoney.com and we will respond within 30 days. If you have concerns about how we handle your information, you can also contact the Office of the Privacy Commissioner of Canada.

The course is designed for adults and is not directed to children.

We will post any changes to this policy on this page and tell you by email if a change is significant. Our privacy contact is reachable at support@chartedmoney.com or by mail at Charted Money, Vancouver, British Columbia, Canada.