Effective: January 1, 2026. Mindful Millions ("we", "us") respects your privacy. This policy explains how we collect, use, share and protect personal and financial information.

1. Information We Collect

• Identifiers such as name, address, email, phone number and Social Security number where required for credit or insurance applications.
• Financial information including income, employment, assets, debts and credit history.
• Device and usage data collected through cookies and similar technologies.

2. How We Use Information

We use your information to evaluate and process applications, match you with lenders and insurers, prevent fraud, comply with legal obligations and improve our services.

3. Sharing of Information

In accordance with the Gramm-Leach-Bliley Act, we share nonpublic personal information only with lenders, insurers, service providers and regulators as needed to deliver the services you request. We do not sell your personal information.

4. Credit Reports

With your authorization we may obtain consumer reports under the Fair Credit Reporting Act. You have the right to dispute inaccurate information with the reporting agency.

5. Your Privacy Rights

Depending on your state of residence, including under the California Consumer Privacy Act, you may request access to, correction of or deletion of your personal information, and opt out of certain sharing. Contact us at info@mindfulmillions.info.

6. Data Security

We use encryption, access controls and secure storage. No method of transmission is completely secure, and we cannot guarantee absolute security.

7. Marketing Choices

You may unsubscribe from emails at any time and request removal from calls or text messages in accordance with the Telephone Consumer Protection Act and CAN-SPAM Act.

8. Contact

Mindful Millions, NY, New York City, 136 Madison Avenue, New York, 10016. Email: info@mindfulmillions.info.

Effective: January 1, 2026. By using this website you agree to the following terms.

1. Nature of Services

Mindful Millions is a financial services marketplace and advisory provider. We are not a lender or insurer unless stated; products are offered by third-party partners subject to their own terms and approval criteria.

2. No Guarantee of Approval

Rates, terms and coverage shown, including calculator results, are estimates only. Final terms depend on credit, underwriting and verification.

3. Not Financial, Legal or Tax Advice

Website content is for general information. Consult a qualified professional before making financial decisions.

4. Investment Risk

Investments in stocks, mutual funds, gold and digital currency involve risk, including possible loss of principal. Past performance does not guarantee future results. Investments are not FDIC insured.

5. Electronic Consent

You consent to receive disclosures and sign documents electronically under the Electronic Signatures in Global and National Commerce Act (E-SIGN).

6. User Responsibilities

You agree to provide accurate information and not to use the site for fraud, money laundering or any unlawful activity.

7. Debt Relief Disclosure

Debt settlement and bankruptcy outcomes vary, may affect credit scores and may have tax consequences. Results are not guaranteed.

8. Limitation of Liability

To the fullest extent permitted by law, Mindful Millions is not liable for indirect or consequential damages arising from use of this site.

9. Governing Law and Disputes

These terms are governed by the laws of the State of New York. Disputes will be resolved through binding arbitration in New York County, to the extent permitted by law.

10. Contact

Questions? Email info@mindfulmillions.info.