Effective Date: [March 03, 2025]
Last Updated: [December 28, 2025]

At New Millennium Bankers (“New Millennium Bankers,” “we,” “us,” or “our”), we value the privacy of individuals who use our websites and related services (collectively, our “Services”). This Privacy Notice explains how we collect, use, disclose, and otherwise process personal information about users of our Services (“users,” “you,” or “your”). By using our Services, you agree to the collection, use, disclosure, and processing of your information as described in this Privacy Notice.

Personal information is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked (directly or indirectly) with a particular individual or household. Personal information does not include deidentified or aggregated information.

We may collect personal information and other information about you or your devices from various sources, as described below.

Registration Information. If you sign up for an account, register to use our Services, or sign up for emails or other updates, we may collect basic contact information such as your name, email address, phone number, and/or mailing address. We may also collect certain demographic information you choose to provide, such as age, gender, personal interests, income range, and/or marital status.

Communications. If you contact us directly, we may collect additional information. For example, when you reach out to customer support, we may collect your name, email address, phone number, or other details to verify your identity and respond. We may store the contents of messages, attachments, and information submitted through forms or questionnaires.

Events. If you register for an event we host (in-person or online), we may collect information such as name, address, title, company, phone number, email address, and any event-specific details needed to facilitate your registration and participation.

User Content. We may allow you and other users to share content through our Services (e.g., posts, comments, reviews, or other user-generated content). Unless otherwise stated at the point of collection, content you submit may be visible to others and may be public.

Payment Information. If you make a purchase or payment through our Services, payments are typically processed by third-party payment processors (not us). Depending on the processor and integration, we may receive and store limited payment-related details (such as billing name, billing address, payment status, and transaction identifiers). We do not intentionally collect or store full payment card numbers if handled directly by the processor.

Membership / Program Information. If you enroll in a membership, training, or advisory program, we may collect information needed to administer access and benefits (e.g., membership tier, onboarding responses, progress details, and program preferences).

When you use our Services, we may automatically collect:

• Device and network data: IP address, device identifiers, operating system, browser type, language, and similar technical information.
   
• Usage data: pages viewed, clicks, referring/exit pages, time spent, interaction patterns, and access times.
   
• Approximate location: derived from IP address (not precise GPS unless you explicitly permit it).
   

We (and our service providers) may use cookies, pixels, SDKs, and similar technologies to:

• operate and secure the Services,
   
• remember preferences,
   
• understand usage and improve performance,
   
• deliver and measure marketing (where permitted).
   

You can control cookies through browser settings and (where available) our cookie banner or preference center. Disabling cookies may impact functionality.

We may receive information from third parties such as:

• payment processors (payment confirmation and transaction details),
   
• analytics providers,
   
• advertising/marketing partners (where applicable),
   
• social platforms if you interact with our pages or sign in using social login (if offered).
   

We may use personal information for the following purposes:

• Provide and operate the Services: create accounts, authenticate users, deliver features, and administer membership benefits.
   
• Communicate with you: respond to inquiries, provide customer support, send service-related notices, and deliver updates you request.
   
• Process transactions: confirm payments, prevent fraud, provide receipts, and manage billing-related issues.
   
• Personalize and improve: understand how the Services are used, troubleshoot, test, and develop new features.
   
• Security and integrity: protect against malicious, deceptive, fraudulent, or illegal activity; enforce our policies.
   
• Marketing and promotions: send newsletters, announcements, and offers (you can opt out where required).
   
• Legal and compliance: comply with applicable laws, regulations, and lawful requests; establish or defend legal claims.
   

We may share personal information in the following circumstances:

• Service Providers. With vendors who help us operate the Services (e.g., hosting, email delivery, customer support tools, analytics, event platforms, payment processing, security). They are authorized to use personal information only as needed to provide services to us.
   
• Payment Processing. With payment processors to complete transactions and prevent fraud.
   
• Business Transfers. In connection with a merger, acquisition, financing, reorganization, bankruptcy, or sale/transfer of assets (including negotiations).
   
• Legal Obligations and Safety. To comply with law, respond to valid legal process, protect rights/safety/security of users, New Millennium Bankers, or others, and enforce our agreements.
   
• With Your Direction. When you instruct us to share or when you choose to use features that inherently share information (e.g., posting public content).
   

We do not sell your personal information in the traditional sense. If we engage in advertising practices that could be considered “sharing” under certain state privacy laws (e.g., cross-context behavioral advertising), you may have the right to opt out (see Section 8).

• Email Marketing. You can opt out of promotional emails by using the unsubscribe link in those emails. You may still receive non-promotional service messages (e.g., account, security, transactional notices).
   
• Cookies / Tracking Controls. Adjust cookie settings in your browser and (if available) our cookie preference center.
   
• Account Information. If you have an account, you may be able to review or update certain information via your account settings.
   

We retain personal information for as long as reasonably necessary to provide the Services, fulfill the purposes described in this Privacy Notice, comply with legal obligations, resolve disputes, and enforce agreements. Retention periods vary based on the nature of the data and the reason it is collected.

We implement reasonable administrative, technical, and physical safeguards designed to protect personal information. However, no security measure is perfect. You use the Services at your own risk and should take steps to protect your account credentials.

Our Services are not directed to children under 13 (or under 16 where required by law), and we do not knowingly collect personal information from children without appropriate consent. If you believe a child has provided personal information to us, contact us and we will take appropriate steps to delete it.

Depending on where you live, you may have certain rights regarding your personal information, such as:

• Right to know/access the personal information we collect, use, or disclose
   
• Right to delete certain personal information
   
• Right to correct inaccurate personal information
   
• Right to opt out of certain data sharing/targeted advertising (where applicable)
   
• Right to non-discrimination for exercising privacy rights
   

California Notice (CCPA/CPRA):
We may collect categories of personal information described in Section 1 (identifiers, commercial information, internet/network activity, approximate geolocation, and other information you provide). We use and disclose them for the business purposes described in Sections 2 and 3.

“Selling” / “Sharing.” We do not sell personal information for money. If our use of certain analytics/advertising cookies is considered “sharing” for cross-context behavioral advertising under California law, you may opt out by using:

• our cookie preference center (if available), and/or
   
• enabling a recognized opt-out preference signal such as Global Privacy Control (GPC) (where supported).
   

How to submit a request:
Email: [nmbankers@gmail.com]
Subject line: “Privacy Request”
We may need to verify your identity before fulfilling requests.

Authorized agents (California): You may designate an authorized agent to make a request on your behalf. We may require proof of authorization and identity verification.

If you access our Services from outside the United States, your information may be processed and stored in the United States or other jurisdictions where we or our service providers operate. These locations may have different data protection laws than your country. By using the Services, you understand that your information may be transferred to these locations.

Our Services may include links to third-party websites or services (including embedded content). We are not responsible for the privacy practices of third parties. Your use of third-party services is subject to their privacy notices.

We may update this Privacy Notice from time to time. If we make material changes, we will update the “Last Updated” date and may provide additional notice as required. Your continued use of the Services after changes means you accept the updated notice.

If you have questions or requests regarding this Privacy Notice, contact us at:
Email: [nmbankers@gmail.com]