Effective Date: September 15, 2026
The River of Wealth ("Company," "we," "us," or "our") respects your privacy and is committed to protecting it through this Privacy Policy. This policy explains how we collect, use, disclose, and safeguard your information when you visit theriverofwealth.com (the "Site"), use our services, join our membership, or communicate with us by phone, email, or text message (collectively, the "Services").
By using our Services, you agree to the collection and use of information in accordance with this policy. If you do not agree, please do not use the Services.
1. Information We Collect
We may collect the following categories of information:
Information you provide directly:
Name, email address, phone number, and mailing address
Billing and payment information (processed by our third-party payment processors)
Account credentials and membership details
Information submitted through forms, surveys, chat, or customer support requests
Content you post in community areas (e.g., community platform discussions)
Information collected automatically:
IP address, browser type, device information, and operating system
Pages visited, time on site, referring URLs, and click activity
Cookies and similar tracking technologies (see Section 6)
Information from third parties:
Data from payment processors, scheduling tools, community platforms, and marketing/CRM platforms we use to operate the Site and Services
2. How We Use Your Information
We use collected information to:
Create and manage your membership account
Process payments and manage billing, including free trials and renewals
Provide access to River Edge, learning content, live calls, and community features
Respond to inquiries and provide customer support
Send transactional communications (e.g., billing notices, account alerts)
Send marketing communications, including by email and SMS text message, where you have consented (see Section 3)
Improve, secure, and personalize the Site and Services
Comply with legal obligations and enforce our Terms & Conditions
3. SMS / Text Messaging Program (TCPA Disclosure)
If you provide your mobile phone number and opt in, The River of Wealth may send you SMS/text messages related to your account, membership, live calls, promotions, and other updates ("SMS Program"). This section governs your participation in the SMS Program and is provided in compliance with the Telephone Consumer Protection Act (TCPA) and related regulations.
a. Consent. By providing your mobile number and checking the applicable consent box (or otherwise opting in), you expressly consent to receive recurring SMS/text messages from The River of Wealth, including autodialed or automated messages, at the mobile number provided. Consent to receive SMS messages is not a condition of purchasing any goods or services. Message content may include appointment reminders, account notifications, membership updates, promotional offers, and other information related to our Services.
b. Message Frequency. Message frequency varies. You may receive multiple messages per month depending on your account activity and communication preferences.
c. Message and Data Rates. Message and data rates may apply, depending on your mobile carrier and plan. The River of Wealth is not responsible for any charges from your wireless carrier.
d. Opt-Out. You may opt out of the SMS Program at any time by replying STOP to any message you receive from us. After you send "STOP," we will send a confirmation message, and you will no longer receive SMS messages from us unless you opt back in. You may also contact us directly at the information listed in Section 12 to request removal.
e. Help. For help, reply HELP to any message, or contact us at the phone number or email listed in Section 12.
f. Carriers. Supported carriers are not liable for delayed or undelivered messages. Carriers are not responsible for any delays or failures in message delivery.
g. No Sharing for Third-Party Marketing. Mobile opt-in information and phone numbers collected for the purposes of SMS consent will not be shared with third parties or affiliates for their own marketing or promotional purposes.
h. Other Channels. Your consent to receive SMS messages is separate from any consent you may provide for phone calls or email marketing. You may opt out of each communication channel independently.
4. Legal Basis and Consent for Communications
Where required by law, we rely on your consent, our legitimate business interests, or the necessity of processing to perform a contract with you (such as providing membership access) as the basis for collecting and using your personal information.
You may withdraw consent for marketing communications (email, SMS, or phone) at any time without affecting the lawfulness of processing carried out before withdrawal.
5. How We Share Your Information
We do not sell your personal information. We may share information with:
Service providers who perform functions on our behalf, such as payment processing, hosting, email/SMS delivery, scheduling, analytics, and customer relationship management
Community platform providers (e.g., our community hosting platform) to facilitate community participation
Professional advisors, such as legal, accounting, or compliance consultants
Regulators or law enforcement, where required to comply with legal obligations, protect our rights, or respond to lawful requests
A successor entity, in the event of a merger, acquisition, or sale of assets
We require third parties who process personal information on our behalf to maintain appropriate confidentiality and security safeguards.
6. Cookies and Tracking Technologies
We use cookies, pixels, and similar technologies to operate the Site, remember preferences, analyze traffic, and support advertising and marketing efforts. You can control cookies through your browser settings; disabling cookies may affect Site functionality.
7. Data Retention
We retain personal information for as long as necessary to provide the Services, comply with legal obligations, resolve disputes, and enforce our agreements. SMS opt-in records are retained as required to demonstrate TCPA compliance.
8. Your Privacy Rights
Depending on your state of residence, you may have rights to:
Access, correct, or delete personal information we hold about you
Opt out of the sale or sharing of personal information (we do not sell personal information)
Opt out of targeted advertising
Withdraw consent for marketing communications, including SMS and email
California Residents: Under the California Consumer Privacy Act (CCPA/CPRA), California residents have the right to know what personal information is collected, request deletion, and opt out of certain processing. To exercise these rights, contact us using the information in Section 12.
To exercise any privacy rights, please contact us as described in Section 12. We may need to verify your identity before processing your request.
9. Data Security
We implement reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, or disclosure. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.
10. Children's Privacy
Our Services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children. If we learn we have collected information from a child without parental consent, we will delete it.
11. Third-Party Links
Our Site may contain links to third-party websites, including our community platform and social media pages. We are not responsible for the privacy practices of those third parties. We encourage you to review their privacy policies.
12. Contact Us
If you have questions about this Privacy Policy, wish to exercise your privacy rights, or need help with the SMS Program, please contact us:
The River of Wealth Newport Beach, CA 92663
Email: hello@theriverofwealth.com
13. Changes to This Policy
We may update this Privacy Policy from time to time. The "Last Updated" date at the top of this page reflects the most recent changes. Continued use of the Services after changes are posted constitutes acceptance of the updated policy.
This Privacy Policy is intended for general informational purposes and does not constitute legal advice. We recommend having this document reviewed by a qualified attorney familiar with TCPA, CCPA, and applicable state and federal privacy laws before publishing it live on your Site.