Privacy Policy

Last updated: July 26, 2026

The Hidden Laws of Money, operated under the author name Adrian Vale ("The Hidden Laws of Money," "we," "us," or "our"), operates the website located at thehiddenlawsofmoney.com, together with the related pages, content, features, digital products, payment pages, customer communications, and services made available through the website (collectively, the "Services").

This Privacy Policy explains how we collect, use, disclose, store, and protect personal information when you visit or use the Services, purchase a digital product, communicate with us, or otherwise interact with us.

The Services may include digital books in PDF format, audiobooks, bundles, bonus materials, updates, and other educational or informational digital products. The website is hosted using Wix, payments are processed through Stripe, and order-related workflows or digital delivery may be automated through email services.

Please read this Privacy Policy carefully. By accessing or using the Services, you acknowledge that you have read and understood the practices described in this Privacy Policy. This Privacy Policy does not replace any rights you may have under applicable privacy or consumer-protection laws.

1. Scope of This Privacy Policy

This Privacy Policy applies to personal information processed through the Services, including information collected when you browse the website, submit a form, contact customer support, begin or complete a purchase, receive a digital product, or interact with website analytics, cookies, or similar technologies.

This Privacy Policy does not govern the independent privacy practices of third-party websites, platforms, payment processors, or services that we do not control. When you follow a third-party link or use a third-party service, that provider may process information under its own privacy notice.

2. Who We Are and How to Contact Us

The Hidden Laws of Money is an educational digital-content brand presented under the author name Adrian Vale. For privacy questions, requests, or complaints, contact:

Important: the contact email shown above should be an active inbox that you monitor. If the legal business name, postal address, or data-controller details differ from the brand name shown here, those details should be added before publication where required by applicable law.

3. Personal Information We Collect or Process

"Personal information" means information that identifies, relates to, describes, or can reasonably be linked to an individual. It generally does not include information that has been anonymized or de-identified so that it can no longer reasonably identify a person.

3.1 Information You Provide Directly

Depending on how you interact with the Services, you may provide:

Contact information, such as your name and email address.
Billing information, such as billing name, billing address, country, postal code, and tax-related details where required.
Order information, such as the product purchased, order amount, payment status, transaction identifiers, delivery status, and purchase date.
Communications, such as messages, support requests, refund requests, feedback, survey responses, or information you include when contacting us.
Marketing preferences, such as whether you have agreed to receive promotional emails or other optional communications.
Any other information you voluntarily submit through a form or communication channel made available through the Services.

3.2 Payment and Transaction Information

Payments are processed by Stripe. Stripe may collect and process payment-card details, billing information, transaction information, authentication information, fraud-prevention data, and other information necessary to complete or evaluate a payment. We may receive limited payment-related information from Stripe, such as your name, email address, billing country, transaction amount, payment status, payment method type, and a transaction or customer identifier.

We do not intentionally collect or store complete credit-card or debit-card numbers, card security codes, or full bank-account credentials on our own systems. Payment information submitted on a Stripe-hosted or Stripe-powered checkout is handled according to Stripe's own terms and privacy practices.

3.3 Information Collected Automatically

When you access the website, Wix and other enabled technologies may automatically collect technical and usage information, including:

IP address and approximate location derived from the IP address.
Device type, operating system, browser type, browser settings, language, and screen characteristics.
Website activity, including pages viewed, links clicked, referring or exit pages, dates and times of access, and session duration.
Cookie identifiers, advertising identifiers, analytics identifiers, and similar online identifiers.
Performance, diagnostic, security, and error information.
Information used to detect suspicious, fraudulent, automated, or abusive activity.

3.4 Information from Service Providers or Other Sources

We may receive information from service providers that support the Services, including Wix, Stripe, Make.com, email providers, analytics providers, fraud-prevention services, or customer-support tools. We may also receive information from a referral source, social-media platform, advertising platform, or other third party where permitted by law and consistent with your settings on that service.

4. How We Use Personal Information

We may use personal information for the following purposes:

4.1 Provide and Operate the Services

Operate, maintain, display, and improve the website.
Create and manage purchase records.
Process payments and confirm transactions.
Deliver PDF files, audiobooks, bundles, bonus materials, or secure download links.
Send transactional messages such as receipts, payment confirmations, delivery emails, access instructions, service notices, and responses to support requests.
Troubleshoot failed payments, missing emails, broken links, or digital-delivery issues.

4.2 Customer Support and Communications

We use contact and communication information to respond to questions, verify purchases, resolve technical or delivery problems, review complaints, administer refunds where applicable, and maintain records of customer-service interactions.

4.3 Security, Fraud Prevention, and Abuse Detection

We may process information to protect the website, payment process, digital products, customers, and our rights. This includes detecting suspicious transactions, preventing unauthorized access or redistribution, investigating abuse, enforcing applicable terms, maintaining logs, and responding to security incidents.

4.4 Analytics and Improvement

We may use usage and device information to understand how visitors find and use the website, measure page performance, identify errors, improve navigation, evaluate product interest, and make business and content decisions. Where required, non-essential analytics technologies will be used only after consent.

4.5 Marketing and Promotional Communications

Where permitted by law, and where any required consent has been obtained, we may use your email address or interaction information to send news, educational content, product announcements, offers, or other promotional communications. You may unsubscribe from promotional emails using the unsubscribe link provided in the message or by contacting us. Unsubscribing from marketing does not prevent us from sending necessary transactional or service-related messages.

4.6 Legal, Compliance, and Business Purposes

We may use personal information to comply with tax, accounting, consumer-protection, data-protection, court, law-enforcement, or other legal obligations; establish, exercise, or defend legal claims; enforce our terms and policies; respond to lawful requests; support audits; and maintain appropriate business records.

5. Legal Bases for Processing in the EEA and United Kingdom

If the GDPR, UK GDPR, or similar law applies, we generally rely on one or more of the following legal bases, depending on the context:

Performance of a contract: processing necessary to take payment, fulfill an order, deliver a digital product, or provide requested support.
Legitimate interests: processing necessary for website operation, security, fraud prevention, service improvement, recordkeeping, and ordinary business administration, where those interests are not overridden by your rights.
Consent: processing based on your freely given consent, such as certain analytics, advertising cookies, or optional promotional messages where consent is legally required.
Legal obligation: processing necessary to comply with tax, accounting, regulatory, consumer-protection, or other applicable legal duties.
Legal claims or vital interests: processing necessary to establish or defend legal claims, or to protect an individual where legally recognized.

Where processing is based on consent, you may withdraw that consent at any time. Withdrawal does not affect processing that was lawful before consent was withdrawn.

6. Cookies and Similar Technologies

The website may use cookies, pixels, local storage, tags, scripts, software development kits, and similar technologies. Some technologies are necessary for the website and payment process to function, while others support preferences, security, analytics, performance measurement, or advertising.

6.1 Types of Cookies We May Use

Strictly necessary cookies: support essential functions such as website security, network management, payment flow, session management, and consent preferences.
Functional cookies: remember choices and provide enhanced website features.
Analytics and performance cookies: help us understand traffic, page performance, and how visitors use the website.
Advertising or targeting cookies: may be used to measure campaigns or display more relevant advertising, but only where enabled and legally permitted.

6.2 Your Cookie Choices

Where a cookie banner or privacy settings tool is available, you can use it to accept, reject, or adjust non-essential cookies. You can also manage cookies through your browser settings. Blocking certain cookies may cause parts of the website, checkout, or delivery process to function incorrectly. Browser "Do Not Track" signals are not handled uniformly across the industry; we respond to legally recognized preference signals where required and technically supported.

7. Digital Purchases, Checkout, and Product Delivery

7.1 Stripe Checkout

When you begin or complete a purchase, you may be directed to a Stripe-hosted or Stripe-powered checkout page. Stripe processes information needed to authorize, authenticate, complete, and record the transaction and to help prevent fraud. Stripe acts under its own privacy documentation for certain processing activities and may also process data on our behalf for payment-related services.

7.2 Automated Workflows and Make.com

We may use Make.com to connect services and automate order-related tasks. For example, after Stripe confirms payment, an automation may receive limited order information and trigger a delivery email, update an order record, or provide the correct digital product. The information used in an automation may include name, email address, product purchased, payment status, transaction identifier, purchase date, and delivery status.

7.3 Email Delivery

Digital products or access instructions may be delivered by email. Email providers may process sender, recipient, subject-line, delivery, bounce, timestamp, and message-content information as necessary to transmit and secure the message. You are responsible for providing an accurate email address and maintaining access to that inbox.

7.4 Download and Access Records

Where supported by the selected delivery method, we may process information about whether a delivery email was sent, delivered, bounced, opened, or clicked, or whether a download link was accessed. We use this information to confirm delivery, prevent abuse, and provide support. We do not promise that every delivery system will collect all of these data points.

8. How We Disclose Personal Information

We do not disclose personal information indiscriminately. We may disclose it to the following categories of recipients when reasonably necessary for the purposes described in this Privacy Policy:

8.1 Hosting and Website Providers

Wix may host the website and provide infrastructure, security, content-delivery, form, analytics, cookie-management, or other website functionality. Information processed through the website may be stored or handled through Wix systems and its authorized providers.

8.2 Payment Providers

Stripe processes payment and transaction information and may provide fraud-prevention, checkout, tax, billing, authentication, dispute, and related services.

8.3 Automation, Email, Storage, and Support Providers

We may disclose limited information to Make.com, email providers, cloud-storage providers, file-delivery services, analytics providers, security providers, professional advisers, or other vendors that help operate and protect the Services. These providers receive information only as reasonably necessary for their role and are expected to handle it under applicable agreements and law.

8.4 Legal and Safety Disclosures

We may disclose information where we reasonably believe disclosure is required by law, subpoena, court order, regulatory request, or other valid legal process; to protect the rights, safety, or property of users, the public, or us; to detect or investigate fraud, abuse, or security threats; or to enforce our terms and policies.

8.5 Business Transactions

If the business or its assets are involved in a sale, transfer, merger, financing, reorganization, bankruptcy, or similar transaction, information may be reviewed or transferred as part of that transaction, subject to applicable law and appropriate confidentiality protections.

8.6 With Your Direction or Consent

We may disclose information when you direct us to do so, request an integration or third-party interaction, or otherwise provide valid consent.

9. Third-Party Websites and Services

The Services may link to third-party websites, social-media pages, marketplaces, review platforms, or other services. We do not control and are not responsible for the content, security, availability, or privacy practices of those third parties. Review the privacy notice and terms of any third-party service before providing information to it.

10. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy, including to provide products and support, maintain transaction and accounting records, comply with tax or legal obligations, prevent fraud, resolve disputes, enforce agreements, and protect our rights.

Retention periods vary depending on the type of information, legal requirements, the status of an account or transaction, the sensitivity of the information, and operational needs. For example, purchase and financial records may be retained longer than ordinary website analytics because of accounting, tax, dispute, or chargeback requirements. When information is no longer required, we may delete, anonymize, aggregate, or securely isolate it, subject to technical limitations and lawful backup-retention practices.

11. Data Security

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure. These safeguards may include access controls, vendor security features, encryption in transit where supported, strong authentication, payment-tokenization practices, logging, backups, and restricted access to order information.

No method of internet transmission, electronic storage, or security control is completely secure. We therefore cannot guarantee absolute security. Do not send sensitive information, payment-card numbers, passwords, or confidential financial information through ordinary email or an unsecured contact form.

12. International Data Transfers

The service providers used to operate the Services may process or store information in countries other than the country where you live. Those countries may have data-protection laws that differ from those in your jurisdiction.

Where required for transfers from the European Economic Area, United Kingdom, or Switzerland, we or our service providers may rely on an adequacy decision, approved standard contractual clauses, a recognized certification framework, binding corporate rules, contractual safeguards, or another lawful transfer mechanism. You may contact us for more information about safeguards relevant to a particular transfer, subject to legal and confidentiality limitations.

13. Your Privacy Rights and Choices

Depending on where you live and subject to legal exceptions, you may have some or all of the following rights:

Access or know: request confirmation of whether we process your personal information and obtain access to or a copy of it.
Correction: request correction of inaccurate or incomplete personal information.
Deletion: request deletion of personal information, subject to legal and operational exceptions.
Restriction: request that certain processing be limited.
Objection: object to processing based on legitimate interests or to direct marketing.
Portability: request certain information in a structured, commonly used, machine-readable format.
Withdraw consent: withdraw consent where consent is the legal basis for processing.
Opt out of marketing: stop promotional messages while continuing to receive necessary transactional communications.
Opt out of sale, sharing, or targeted advertising: where those concepts and rights apply under local law.
Appeal: appeal a decision concerning a privacy request where local law provides that right.
Complain: submit a complaint to an applicable data-protection or privacy authority.

13.1 How to Exercise a Right

Send your request to support@thehiddenlawsofmoney.com and describe the right you wish to exercise. To protect personal information, we may ask you to verify your identity, confirm the email address associated with a purchase, provide a transaction identifier, or supply other information reasonably necessary to locate the relevant record. Do not send complete payment-card information.

We will respond within the period required by applicable law. Rights are not absolute, and we may deny or limit a request where permitted by law, including where information must be retained for legal obligations, fraud prevention, payment disputes, or legal claims. We will not unlawfully discriminate against you for exercising a privacy right.

13.2 Authorized Agents

Where permitted by law, you may use an authorized agent to submit a request. We may require evidence of the agent's authority and may ask you to verify your identity or confirm the request directly.

14. Additional Information for California and Certain U.S. Residents

Certain U.S. state privacy laws may grant residents additional rights concerning access, correction, deletion, portability, targeted advertising, sale, or sharing of personal information. The availability and meaning of these rights vary by state and may depend on whether the law applies to the business.

We do not exchange personal information for money in the ordinary meaning of a sale. Some analytics or advertising technologies, if enabled, may be treated as a "sale," "sharing," or targeted advertising under certain state laws. Where required, we will provide an applicable opt-out method through a cookie banner, privacy settings tool, recognized preference signal, or direct request.

The categories of information we may collect, the purposes of use, and the categories of recipients are described in Sections 3, 4, 6, and 8. We do not knowingly sell or share for targeted advertising the personal information of individuals under 16.

15. Children's Privacy

The Services are intended for a general adult audience and are not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided personal information to us, contact support@thehiddenlawsofmoney.com so we can review and, where appropriate, delete the information. A higher minimum age may apply in some jurisdictions for consent-based processing.

16. Marketing Communications

You can unsubscribe from promotional emails at any time by using the unsubscribe link included in the message or by contacting us. It may take a reasonable period to process the request. Even after you opt out of marketing, we may continue to send order confirmations, digital-delivery messages, security notices, policy updates, and responses to your requests.

17. Automated Decision-Making

Payment providers and fraud-prevention services may use automated systems to assess transactions, authenticate users, or identify suspected fraud. We do not currently use solely automated decision-making that produces legal or similarly significant effects on you, except to the extent that a payment or fraud-prevention provider independently uses such systems under its own policies and applicable law.

18. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our Services, vendors, technology, business practices, or legal obligations. We will post the revised version on this page and update the "Last updated" date. Where required by law, we will provide additional notice or obtain consent. Your continued use of the Services after the effective date of an updated policy is subject to the updated policy, to the extent permitted by law.

19. Complaints

If you have a concern about how personal information has been handled, contact us first at support@thehiddenlawsofmoney.com so we can review the issue. Depending on where you live, you may also have the right to complain to a local data-protection, privacy, or consumer-protection authority. For individuals in the EEA or United Kingdom, this may include the supervisory authority in the country where you live or work or where the alleged infringement occurred.

20. Contact Us

For questions about this Privacy Policy, requests concerning personal information, or privacy-related complaints, contact:

Please do not send complete card numbers, passwords, or other highly sensitive information by email.