Privacy Policy

Last Updated: January 26, 2026

1. Introduction

MeiggsMedia LLC (“Company,” “we,” “us,” or “our”) operates multiple websites and services including but not limited to My Millennial Guide, MoneyGPT, BeerMoney, BeerMoneys, Smarts, GigsDoneRight, and our affiliate program. This Privacy Policy applies to all MeiggsMedia LLC properties, websites, applications, and services (collectively, the “Services”).

By using our Services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies and practices, do not use our Services.

2. Information We Collect

2.1 Information You Provide to Us

We collect information that you voluntarily provide when you:

• Create an account: Name, email address, username, password
• Apply to affiliate program: Name, email, Reddit username, PayPal email, experience level, promotional strategy
• Contact us: Name, email, message content
• Complete forms: Survey responses, feedback, preferences
• Make payments: Billing information, payment details (processed by third-party payment processors)
• Use MoneyGPT: Questions, prompts, conversation history with AI chatbot
• Post comments or content: User-generated content, forum posts, reviews

2.2 Information Collected Automatically

When you access our Services, we automatically collect:

• Device information: IP address, browser type, device type, operating system
• Usage data: Pages viewed, time spent, links clicked, referring URLs
• Location data: Approximate geographic location based on IP address
• Cookies and tracking technologies: See Section 4 below
• Affiliate tracking data: Click IDs, conversion data, referral sources

2.3 Information from Third Parties

We may receive information about you from:

• Affiliate networks: Conversion data, performance metrics
• Analytics providers: Google Analytics, traffic statistics
• Advertising partners: Ad performance, audience data
• Social media platforms: If you interact with our social media pages
• Data brokers: Demographic and interest information (aggregated)
• Payment processors: PayPal, Stripe transaction confirmations

3. How We Use Your Information

We use the information we collect for the following purposes:

3.1 To Provide and Improve Our Services

• Process affiliate applications and manage affiliate accounts
• Track conversions and calculate commissions
• Send affiliate dashboard access and tracking links
• Operate and maintain MoneyGPT AI chatbot functionality
• Personalize your experience and content recommendations
• Analyze usage patterns and improve website performance
• Develop new features and services

3.2 To Communicate With You

• Send transactional emails (account confirmations, payment notifications)
• Respond to inquiries and support requests
• Send marketing emails about our services (with opt-out option)
• Notify you of important changes to our Services or policies
• Send newsletters and promotional content (you can unsubscribe)

3.3 For Business Operations

• Process payments and issue invoices
• Prevent fraud and abuse
• Enforce our Terms of Service
• Comply with legal obligations
• Protect our rights and property
• Resolve disputes and troubleshoot problems

3.4 For Marketing and Advertising

• Display targeted advertisements on our websites
• Show you relevant offers and promotions
• Measure advertising effectiveness
• Build audience segments for advertising partners
• Retarget visitors across the web

4. Cookies and Tracking Technologies

4.1 What Are Cookies?

Cookies are small text files stored on your device when you visit our websites. We use cookies and similar technologies (pixels, web beacons, local storage) to track activity and enhance your experience.

4.2 Types of Cookies We Use

4.3 Third-Party Cookies

Our Services use third-party cookies from:

• Google Analytics: Website analytics and reporting
• Google AdSense: Display advertising
• Affiliate Networks: Prodege, Panthera, Impact, Aragon, Adbloom
• Social Media Pixels: Facebook, Twitter, Reddit
• Advertising Partners: Various ad networks and exchanges

4.4 Managing Cookies

You can control cookies through your browser settings. However, disabling cookies may limit your ability to use certain features of our Services. Most browsers accept cookies by default, but you can usually modify settings to decline cookies or alert you when cookies are being sent.

5. How We Share Your Information

We may share your information with third parties in the following circumstances:

5.1 With Service Providers

We share information with trusted third-party service providers who perform services on our behalf:

• Hosting providers: Cloud infrastructure, web hosting
• Email services: AWeber, email delivery platforms
• Analytics providers: Google Analytics, data analysis tools
• Payment processors: PayPal, Stripe, payment gateways
• Affiliate networks: Conversion tracking and reporting
• Customer support tools: Help desk software, chat systems

5.2 With Advertising Partners

We share information with advertising partners to deliver targeted ads:

• Google AdSense and ad exchanges
• Retargeting platforms
• Social media advertising networks
• Affiliate marketing networks

5.3 For Legal Reasons

We may disclose your information if required to do so by law or in response to:

• Valid legal requests (subpoenas, court orders, government investigations)
• Protect our rights, property, or safety
• Prevent fraud or illegal activity
• Enforce our Terms of Service
• Comply with regulatory requirements

5.4 Business Transfers

If MeiggsMedia LLC is involved in a merger, acquisition, bankruptcy, or sale of assets, your information may be transferred to the acquiring entity.

5.5 With Your Consent

We may share your information with third parties when you explicitly consent or direct us to do so.

6. MoneyGPT AI Chatbot Data

6.1 Conversation Data Collection

When you use MoneyGPT, we collect and process:

• Your questions, prompts, and inputs
• AI-generated responses and recommendations
• Conversation history and context
• Timestamps and session data
• Feedback and ratings

6.2 How We Use Conversation Data

• Provide AI-powered financial guidance and recommendations
• Improve MoneyGPT accuracy and performance
• Train and fine-tune AI models
• Generate usage analytics and insights
• Identify and fix errors or issues

6.3 AI Model Provider

MoneyGPT is powered by Anthropic's Claude AI. Conversation data may be processed by Anthropic in accordance with their privacy policy. We encourage you to review Anthropic's privacy practices at anthropic.com.

7. Data Retention

We retain your information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

8. Data Security

We implement reasonable security measures to protect your information from unauthorized access, alteration, disclosure, or destruction:

• SSL/TLS encryption for data transmission
• Secure server infrastructure and firewalls
• Regular security audits and monitoring
• Access controls and authentication requirements
• Encrypted storage for sensitive data
• Employee training on data protection

9. Your Privacy Rights

9.1 Access and Correction

You have the right to access and update your personal information. You can do this by:

• Logging into your account dashboard
• Contacting us at [email protected]

9.2 Data Deletion

You may request deletion of your personal information. Note that we may retain certain information as required by law or for legitimate business purposes.

9.3 Marketing Opt-Out

You can opt out of marketing emails by:

• Clicking the “unsubscribe” link in any marketing email
• Adjusting preferences in your account settings
• Contacting us directly

9.4 Cookie Controls

You can manage cookies through your browser settings or opt out of interest-based advertising at:

• Network Advertising Initiative: optout.networkadvertising.org
• Digital Advertising Alliance: optout.aboutads.info

10. State-Specific Privacy Rights

10.1 California Residents (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act:

• Right to Know: Request disclosure of personal information collected, used, and shared
• Right to Delete: Request deletion of your personal information
• Right to Opt-Out: Opt out of “sale” or “sharing” of personal information
• Right to Correct: Request correction of inaccurate information
• Right to Limit: Limit use of sensitive personal information
• Non-Discrimination: We will not discriminate against you for exercising your rights

Categories of Information We Collect (California):

• Identifiers (name, email, IP address)
• Commercial information (purchase history, affiliate earnings)
• Internet activity (browsing history, interactions)
• Geolocation data (approximate location)
• Professional information (affiliate experience)
• Inferences (preferences, behavior patterns)

10.2 Virginia Residents (VCDPA)

Virginia residents have the right to:

• Confirm whether we process your personal data
• Access and obtain a copy of your personal data
• Request correction of inaccuracies
• Request deletion of your personal data
• Opt out of targeted advertising and sale of personal data

10.3 Other States

Residents of Colorado, Connecticut, Utah, and other states with comprehensive privacy laws may have similar rights. Contact us to exercise your rights.

10.4 How to Exercise Your Rights

To exercise any of your privacy rights:

• Email us at [email protected] with your request
• Include “Privacy Rights Request” in the subject line
• Provide sufficient information to verify your identity
• We will respond within 45 days (may be extended by 45 days if needed)

11. International Users and Data Transfers

MeiggsMedia LLC is based in the United States. If you access our Services from outside the U.S., your information will be transferred to, stored, and processed in the United States.

The United States may have data protection laws that differ from your country. By using our Services, you consent to the transfer of your information to the U.S. and processing in accordance with this Privacy Policy.

11.1 European Union / EEA Users (GDPR)

If you are in the EU or EEA, you have additional rights under the General Data Protection Regulation (GDPR):

• Right of access and data portability
• Right to rectification
• Right to erasure (“right to be forgotten”)
• Right to restrict processing
• Right to object to processing
• Right to withdraw consent
• Right to lodge a complaint with a supervisory authority

Legal Basis for Processing: We process your data based on:

• Your consent
• Performance of a contract with you
• Compliance with legal obligations
• Our legitimate business interests

12. Children's Privacy

Our Services are not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18. If we discover that we have collected information from a child under 18, we will delete it immediately.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us at [email protected].

13. Third-Party Links

Our Services contain links to third-party websites, affiliate offers, and services. We are not responsible for the privacy practices of these third parties. We encourage you to read the privacy policies of every website you visit.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be effective immediately upon posting to our websites. We will notify you of material changes by:

• Posting a notice on our website
• Sending an email to your registered email address
• Updating the “Last Updated” date at the top of this policy

Your continued use of our Services after changes are posted constitutes acceptance of the updated Privacy Policy.

15. Contact Us

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

MeiggsMedia LLC
Email: [email protected]
Website: meiggsmedia.com
Subject Line: “Privacy Inquiry”

16. Do Not Track Signals

Some browsers have “Do Not Track” features. Currently, there is no industry standard for how to respond to Do Not Track signals. Our Services do not respond to Do Not Track signals at this time.

17. Automated Decision-Making

We may use automated systems (including AI) to:

• Approve or deny affiliate applications
• Detect fraud and suspicious activity
• Personalize content and recommendations
• Analyze user behavior and preferences

You have the right to request human review of automated decisions that significantly affect you.