Stop Guessing
With Your Money.
Start Building
Real Wealth.

1. Information We Collect

We collect information you provide directly to us and information collected automatically when you interact with our website. This includes:

• Personal identification information (full name, email address, mailing address, telephone number)
• Payment information processed securely through third-party payment processors. We do not store full credit card numbers.
• Purchase history and transaction records for products purchased through our Payhip storefront
• Email address and name when you subscribe to our newsletter or download a free product
• Technical data including IP address, browser type, device identifiers, and pages visited

2. How We Use Your Information

• To process and fulfill your digital product purchases and deliver purchased content
• To send transactional emails including purchase confirmations, download links, and receipts
• To send promotional emails and newsletters — only with your explicit consent
• To improve our website content, product offerings, and customer experience
• To comply with applicable laws, regulations, and legal obligations
• To detect, prevent, and address fraud or unauthorized access

We will never sell, rent, trade, or transfer your personally identifiable information to outside parties without your explicit consent.

3. Information Sharing and Third Parties

We do not sell your personal information. We may share it with trusted service providers including Payhip (product delivery), email platforms (Mailchimp/ConvertKit), web hosting providers, analytics providers (Google Analytics), and payment processors (Stripe/PayPal). We may also disclose information when required by law or court order.

4. Data Retention

Purchase records are retained for a minimum of seven (7) years for tax purposes. Email subscriber data is retained until you unsubscribe or request deletion. Customer service communications are retained for up to three (3) years.

5. Your Rights and Choices

• Right to Access: Request a copy of the personal information we hold about you
• Right to Correction: Request correction of inaccurate information
• Right to Deletion: Request deletion of your personal information, subject to legal requirements
• Right to Opt-Out: Unsubscribe from marketing communications at any time

California residents have additional rights under the CCPA. European residents have additional rights under the GDPR. Contact us at support@thenewageofdigitalmoney.com to exercise any rights.

6. Cookies

Our website may use cookies for functionality, analytics, and marketing purposes. You may control cookie settings through your browser preferences. Disabling certain cookies may affect website functionality.

7. Children's Privacy

Our website and products are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have done so inadvertently, contact us immediately.

8. Security

We implement commercially reasonable measures to protect your personal information. However, no method of internet transmission is completely secure. We disclaim liability for unauthorized access beyond our reasonable control.

9. Changes to This Policy

We reserve the right to update this Privacy Policy at any time. We will update the effective date and notify you of material changes. Continued use of our Services constitutes acceptance of the revised Policy.

10. Contact Us

• Email: support@thenewageofdigitalmoney.com
• Phone: (818) 337-5488
• Hours: Monday – Friday, 9:00 AM – 5:00 PM MST

1. Acceptance of Terms

These Terms of Use constitute a legally binding agreement between you and The New Age Of Digital Money LLC governing your access to and use of our website and all associated digital products, content, tools, and services. We reserve the right to modify these Terms at any time. Continued use constitutes acceptance of updated Terms.

2. Description of Services

The New Age Of Digital Money LLC provides digital educational products and informational content relating to personal finance, cryptocurrency, credit management, and wealth-building strategies. Products include e-books, PDF guides, Excel templates, letter templates, and courses. All products are delivered electronically via instant download through Payhip. No physical products are shipped.

3. Digital Product Purchases and Refund Policy

All sales of Digital Products are FINAL. Due to the immediate, irrevocable nature of digital content delivery, we do not offer refunds, exchanges, or credits once a product has been purchased and download access granted, except as required by applicable consumer protection law. By completing a purchase you agree that:

• You have reviewed the product description and understand what you are purchasing
• Digital products cannot be returned once downloaded or accessed
• No refunds will be issued for dissatisfaction with content or change of mind
• In the event of a technical failure preventing download, we will make reasonable efforts to resolve the issue

If you believe you have a valid claim under applicable law, contact us within 7 days of purchase.

4. Intellectual Property and License

All content and Digital Products are the exclusive intellectual property of The New Age Of Digital Money LLC protected by United States and international copyright law. Upon purchase you receive a limited, non-exclusive, non-transferable, revocable license for personal non-commercial use only. You agree NOT to:

• Reproduce, copy, distribute, sell, or commercialize any Digital Product
• Share or provide access to any Digital Product to third parties
• Modify, adapt, or create derivative works without express written consent
• Remove any copyright, trademark, or proprietary notices from our materials
• Use our products for commercial training or resale without a separate written licensing agreement

5. Credit Repair Products — Not Legal Advice

6. Disclaimer of Warranties

THE SERVICES AND ALL DIGITAL PRODUCTS ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE NEW AGE OF DIGITAL MONEY LLC, ITS MEMBERS, OFFICERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OUR SERVICES OR DIGITAL PRODUCTS. IN NO EVENT SHALL OUR TOTAL AGGREGATE LIABILITY EXCEED THE AMOUNT PAID BY YOU FOR THE SPECIFIC PRODUCT GIVING RISE TO THE CLAIM.

8. Governing Law and Dispute Resolution

These Terms shall be governed by the laws of the State of Colorado, United States of America. Disputes shall be resolved through binding arbitration under the American Arbitration Association's Commercial Arbitration Rules in Weld County, Colorado. You waive any right to a jury trial or class action participation.

9. Contact Information

• Email: support@thenewageofdigitalmoney.com
• Phone: (818) 337-5488
• Hours: Monday – Friday, 9:00 AM – 5:00 PM MST

1. Not Financial Advice — Educational and Entertainment Purposes Only

The New Age Of Digital Money LLC is an educational content company. NOTHING published, sold, distributed, or otherwise made available by the Company constitutes or should be interpreted as:

• Financial advice or investment advice of any kind
• A recommendation to buy, sell, hold, or transact in any security, cryptocurrency, digital asset, commodity, or financial instrument
• Legal advice or legal representation of any kind
• Tax advice or tax preparation services
• Accounting advice or accounting services
• Credit counseling, debt management advice, or legal counsel regarding credit disputes
• Any other form of regulated professional advisory service

All content is provided strictly for general informational, educational, and entertainment purposes only. Any perceived resemblance to personalized advice is unintentional and should not be relied upon as such.

2. Mandatory Consultation With Qualified Professionals

BEFORE MAKING ANY FINANCIAL, INVESTMENT, LEGAL, TAX, CREDIT, OR BUSINESS DECISION, you are strongly urged and legally advised to consult with one or more of the following licensed professionals:

• A licensed Financial Advisor or Investment Advisor registered with FINRA and the SEC or applicable state securities regulator
• A licensed Attorney or Counselor at Law for any legal matters including credit disputes, debt collection, contracts, or securities law
• A Certified Public Accountant (CPA) or licensed tax professional for all tax planning, compliance, and cryptocurrency tax matters
• A licensed Tax Attorney for complex tax matters or disputes with tax authorities
• A Certified Financial Planner (CFP®) for comprehensive financial planning
• A HUD-Approved Credit Counselor or consumer law attorney for credit repair and debt management matters

No content produced by The New Age Of Digital Money LLC is a substitute for individualized professional advice tailored to your specific financial situation, goals, risk tolerance, tax circumstances, and legal jurisdiction.

3. Credit Repair and Debt — Specific Legal Disclaimer

4. Cryptocurrency and Digital Asset Risk Disclosure

• Cryptocurrencies carry an extremely high degree of risk including total loss of all capital invested
• Crypto markets are highly volatile — prices can drop 50%, 80%, or 100% in short periods
• Cryptocurrencies are NOT insured by the FDIC or any government entity
• The regulatory environment for cryptocurrency is uncertain and rapidly evolving
• Past performance is NOT indicative of future results
• Many cryptocurrencies and tokens have failed entirely and become worthless
• Crypto transactions are irreversible — errors can result in permanent, unrecoverable loss

NEVER invest more in cryptocurrency or any speculative asset than you can afford to lose completely. Never invest funds required for living expenses, emergency reserves, or debt repayment.

5. Tax Implications Disclaimer

Cryptocurrency transactions, investment gains, and financial activities discussed in our materials may have significant tax implications. The IRS treats cryptocurrency as property (IRS Notice 2014-21), meaning buying, selling, trading, or earning crypto may constitute taxable events. The New Age Of Digital Money LLC does NOT provide tax advice. YOU MUST CONSULT A QUALIFIED CPA OR TAX ATTORNEY with cryptocurrency experience before making any decisions with tax consequences.

6. No Guarantees of Results

The New Age Of Digital Money LLC makes no representations, warranties, or guarantees regarding the accuracy, completeness, or timeliness of any information in our products or website, or any particular financial, legal, or credit outcome from using our content. Information may become outdated as markets, laws, and regulations change.

7. Limitation of Liability for All Losses

TO THE FULLEST EXTENT PERMITTED BY LAW, THE NEW AGE OF DIGITAL MONEY LLC, ITS MEMBERS, OFFICERS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY FINANCIAL LOSSES, INVESTMENT LOSSES, LEGAL CONSEQUENCES, CREDIT OUTCOMES, LOSS OF PROFITS, OR ANY OTHER DAMAGES ARISING FROM YOUR USE OF OR RELIANCE ON ANY INFORMATION, CONTENT, OR DIGITAL PRODUCT PROVIDED BY THE COMPANY. YOUR USE OF OUR CONTENT AND PRODUCTS IS ENTIRELY AT YOUR OWN RISK.

8. Acknowledgment and Agreement

By accessing our website, downloading free content, or purchasing any product, you acknowledge and agree that:

• All content is for educational and entertainment purposes only
• You will not rely on our content as financial, investment, legal, tax, or credit advice
• You will consult qualified licensed professionals before making any financial or legal decision
• You accept full personal responsibility for any decisions you make
• You release The New Age Of Digital Money LLC from any and all liability for losses or damages resulting from use of our content

9. Contact

• Email: support@thenewageofdigitalmoney.com
• Phone: (818) 337-5488
• Hours: Monday – Friday, 9:00 AM – 5:00 PM MST
• The New Age Of Digital Money LLC · Craig E. West II, Managing Member · Colorado, USA