Privacy Policy

1. Overview

ToInvested is owned and operated by YPN Inc., a California-based company ("we," "us," "our"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at toinvested.com (the "Site") and use our services.

By using the Site, you agree to the collection and use of information in accordance with this policy. If you do not agree, please discontinue use of the Site.

2. Information We Collect

Information You Provide Voluntarily

• Contact information — name, email address, phone number when you book a strategy call or submit an inquiry
• Communications — messages, questions, or feedback you send us directly
• Course enrollment data — if you enroll in a premium course, we collect billing and contact information necessary to process your purchase

Information Collected Automatically

• Usage data — pages visited, time on site, referring URLs, browser type, device type, and IP address
• Cookie data — session cookies, analytics cookies, and affiliate tracking cookies (see Section 6)
• Log data — server logs including access times, error logs, and requested pages

Information from Third Parties

We may receive information from third-party services you connect to our platform, including payment processors (Stripe), scheduling tools (Calendly), and analytics providers (Google Analytics).

3. How We Use Your Information

We use the information we collect for the following purposes:

• Providing and improving the Site and its features
• Processing strategy call bookings and course enrollments
• Communicating with you about your inquiries, bookings, or purchases
• Sending educational content and platform updates (with your consent)
• Analyzing Site usage to improve content and user experience
• Complying with legal obligations
• Preventing fraud and ensuring Site security

We do not use your data for automated decision-making or profiling that produces legal or similarly significant effects without your consent.

4. Information Sharing

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

• Service providers — we share necessary data with vendors who help us operate the Site (hosting, payment processing, scheduling, email delivery), under strict data processing agreements
• Legal requirements — we may disclose information when required by law, court order, or governmental authority
• Business transfers — in the event of a merger, acquisition, or sale of assets, user information may be transferred as part of that transaction
• With your consent — we will share information for any other purpose with your explicit consent

5. Amazon Associates Disclosure

This means that when you click on product links in our Investor Store (/store/) or anywhere else on the Site and subsequently make a qualifying purchase on Amazon, we may earn a small commission at no additional cost to you.

Our product recommendations are genuine — we only recommend products we believe provide real value to investors and do-it-yourself renovators. The presence of affiliate links does not influence our editorial judgment or the content of our educational materials.

Amazon affiliate links use tracking cookies to associate your purchase with our affiliate account. These cookies comply with Amazon's program policies and do not store personal information beyond what is necessary for commission attribution.

6. Cookies & Tracking Technologies

We use the following types of cookies and tracking technologies:

• Essential cookies — required for the Site to function. Cannot be disabled.
• Analytics cookies — we use Google Analytics to understand how visitors use the Site (pages viewed, time on site, traffic sources). This data is aggregated and anonymized. You can opt out at tools.google.com/dlpage/gaoptout.
• Affiliate cookies — Amazon and other affiliate programs use cookies to track referral links. These are activated only when you click an affiliate link.
• Preference cookies — we may store your preferences (such as previously viewed tools) to improve your experience.

You can control cookies through your browser settings. Disabling cookies may affect Site functionality. Most browsers allow you to refuse new cookies, delete existing cookies, and receive notification when new cookies are placed.

7. Third-Party Services

Our Site integrates with the following third-party services, each with their own privacy policies:

• Google Analytics — website analytics (privacy policy)
• Amazon.com — affiliate program and product links (privacy notice)
• Calendly or similar scheduling tools — strategy call booking
• Stripe or similar payment processors — course purchases (we do not store payment card information)
• Google Fonts — typography delivery

We are not responsible for the privacy practices of third-party services. We encourage you to review their policies directly.

8. Your Rights & Choices

Depending on your location, you may have the following rights regarding your personal information:

• Access — request a copy of the personal information we hold about you
• Correction — request correction of inaccurate or incomplete information
• Deletion — request deletion of your personal information (subject to legal retention requirements)
• Opt-out of marketing — unsubscribe from email communications at any time using the unsubscribe link in any email or by contacting us directly
• California residents (CCPA) — California residents have the right to know what personal information is collected, request deletion, and opt out of the "sale" of personal information. We do not sell personal information.
• European residents (GDPR) — EU/EEA residents have the right to data portability, the right to object to processing, and the right to lodge a complaint with a supervisory authority.

To exercise any of these rights, contact us at [email protected].

9. Children's Privacy

The Site is not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you believe we have inadvertently collected such information, please contact us immediately and we will take steps to delete it.

10. Data Security

We implement industry-standard security measures to protect your information, including SSL/TLS encryption, secure hosting infrastructure, and limited access controls. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

In the event of a data breach that affects your rights or freedoms, we will notify affected individuals and relevant authorities as required by applicable law.

11. Policy Changes

We may update this Privacy Policy from time to time. We will notify you of material changes by updating the "Last Updated" date at the top of this policy and, where appropriate, by email or prominent notice on the Site. Your continued use of the Site after changes are posted constitutes acceptance of the revised policy.

12. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

• Company: YPN Inc. / ToInvested
• Email: [email protected]
• Website: toinvested.com
• State of Incorporation: California, USA

We aim to respond to all privacy-related inquiries within 30 days.