Privacy Policy

Effective Date: February 8, 2026

Last Updated: February 8, 2026

1. Introduction

The Points Preneur (“we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at thepointspreneur.com (the “Site”).

Please read this Privacy Policy carefully. By using the Site, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use the Site.

2. Information We Collect

2.1 Information You Provide Directly

We may collect information that you voluntarily provide when you:

  • Subscribe to our email newsletter or updates
  • Contact us via email or contact forms
  • Request consulting services
  • Participate in surveys or provide feedback
  • Comment on blog posts (if applicable)
  • Register for webinars or events

This information may include:

  • Name
  • Email address
  • Phone number (for consulting clients)
  • Company name (for corporate clients)
  • Message content and correspondence
  • Payment information (processed by third-party payment processors)

2.2 Information Collected Automatically

When you visit the Site, we automatically collect certain information about your device and usage:

Log Data:

  • IP address
  • Browser type and version
  • Operating system
  • Pages visited and time spent
  • Referring website
  • Date and time of access
  • Device identifiers

Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies to:

  • Remember your preferences
  • Understand how you use the Site
  • Analyze traffic and user behavior
  • Deliver personalized content
  • Measure advertising effectiveness
  • Track affiliate link clicks and conversions

See Section 6 for more details about cookies.

2.3 Information from Third Parties

We may receive information from:

Affiliate Networks and Partners:

  • Confirmation of credit card applications through our links
  • Commission data (aggregated, not personally identifiable)

Analytics Providers:

  • Google Analytics: demographic and interest data
  • Usage patterns and traffic sources

Email Service Providers:

  • Email open rates, click-through rates
  • Subscriber engagement metrics

We do not knowingly collect personally identifiable information from credit card issuers about your applications or account status.

3. How We Use Your Information

We use collected information for the following purposes:

3.1 Providing and Improving the Site

  • Deliver content and services you request
  • Process newsletter subscriptions
  • Respond to your inquiries and support requests
  • Improve Site functionality and user experience
  • Develop new features and content

3.2 Marketing and Communications

  • Send newsletters and educational content (with your consent)
  • Notify you of new content, products, or services
  • Send promotional offers from us or selected partners
  • Conduct surveys and gather feedback

You can opt out of marketing communications at any time using the unsubscribe link in emails.

3.3 Analytics and Performance

  • Analyze Site traffic and usage patterns
  • Understand user demographics and interests
  • Measure content effectiveness
  • Optimize content for search engines
  • A/B test different Site features

3.4 Affiliate Relationship Management

  • Track clicks on affiliate links
  • Attribute credit card applications to our referrals
  • Calculate and receive commission payments
  • Analyze which content drives conversions

3.5 Legal and Security

  • Comply with legal obligations
  • Enforce our Terms of Service
  • Protect against fraud and abuse
  • Resolve disputes
  • Protect our rights and property

4. How We Share Your Information

We do not sell your personal information to third parties. We may share your information in the following circumstances:

4.1 Service Providers

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

  • Email service providers (e.g., Mailchimp, ConvertKit): to send newsletters
  • Analytics providers (e.g., Google Analytics): to analyze Site usage
  • Hosting providers: to host the Site and databases
  • Payment processors (e.g., Stripe, PayPal): to process consulting payments
  • Affiliate networks: to track referrals and receive commissions

These providers are contractually obligated to protect your information and use it only for the services we request.

4.2 Affiliate Partners

When you click on affiliate links and apply for credit cards or services:

  • The credit card issuer or service provider collects information directly from you
  • We may receive confirmation of your application (but not your personal details)
  • We receive commission payments based on approved applications
  • Your relationship is directly with the issuer, governed by their privacy policy

4.3 Business Transfers

If The Points Preneur is involved in a merger, acquisition, asset sale, or bankruptcy, your information may be transferred as part of that transaction. You will be notified via email and/or prominent notice on the Site of any change in ownership or use of your information.

4.4 Legal Requirements

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

  • Court orders or subpoenas
  • Legal process or government requests
  • Enforcement of our Terms of Service
  • Protection of our rights, property, or safety
  • Investigation of fraud or security issues

4.5 With Your Consent

We may share your information with third parties when you explicitly consent to such sharing.

5. Affiliate Tracking and Attribution

How Affiliate Links Work:

When you click on credit card offers or affiliate links on our Site:

  1. A cookie is placed on your browser to track the referral
  2. If you apply for the product, the affiliate network notifies us
  3. We receive a commission if you’re approved
  4. We do NOT receive your application details, financial information, or approval/denial status

Cookie Duration: Affiliate cookies typically last 30-90 days, meaning we may receive credit for applications made within that timeframe.

Multiple Visits: If you visit the issuer’s site multiple times, the most recent affiliate cookie generally determines attribution.

6. Cookies and Tracking Technologies

6.1 Types of Cookies We Use

Essential Cookies: Required for the Site to function (e.g., security, session management)

Analytics Cookies: Help us understand how visitors use the Site (e.g., Google Analytics)

Advertising Cookies: Track affiliate link clicks and conversions

Preference Cookies: Remember your settings and preferences

6.2 Third-Party Cookies

Our affiliate partners and advertising networks may place cookies to:

  • Track conversions and attribute referrals
  • Deliver targeted advertising
  • Measure ad campaign effectiveness

These third parties have their own privacy policies governing their use of cookies.

6.3 Managing Cookies

You can control cookies through your browser settings:

  • Block all cookies
  • Accept only first-party cookies
  • Delete cookies after each session
  • Receive notifications when cookies are set

Note: Disabling cookies may limit Site functionality and prevent us from tracking affiliate referrals you generate.

Browser Controls:

  • Chrome: Settings > Privacy and Security > Cookies
  • Firefox: Settings > Privacy & Security > Cookies
  • Safari: Preferences > Privacy > Cookies
  • Edge: Settings > Privacy > Cookies

Opt-Out Tools:

7. Data Security

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

  • Secure Socket Layer (SSL) encryption for data transmission
  • Secure hosting with reputable providers
  • Regular security assessments
  • Limited access to personal information
  • Secure password requirements for accounts

However, no method of transmission or storage is 100% secure. We cannot guarantee absolute security of your information. You are responsible for maintaining the confidentiality of any account credentials.

8. Data Retention

We retain your information for as long as necessary to:

  • Provide services you’ve requested
  • Comply with legal obligations
  • Resolve disputes
  • Enforce our agreements

Specific retention periods:

  • Newsletter subscribers: until you unsubscribe
  • Contact form inquiries: 2 years
  • Consulting client records: 7 years (tax purposes)
  • Analytics data: 26 months (Google Analytics default)
  • Affiliate tracking data: as required by affiliate agreements

You may request deletion of your information (see Section 11).

9. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

9.1 All Users

  • Access: Request information about data we hold about you
  • Correction: Request correction of inaccurate information
  • Deletion: Request deletion of your information (subject to legal obligations)
  • Opt-out: Unsubscribe from marketing communications
  • Objection: Object to certain processing activities

9.2 California Residents (CCPA)

California residents have additional rights:

  • Right to Know: Request specific information about data collected and shared
  • Right to Delete: Request deletion of personal information
  • Right to Opt-Out: Opt out of “sale” of personal information (we do not sell data)
  • Right to Non-Discrimination: Equal service regardless of privacy choices

To exercise CCPA rights: Email neal@thepointspreneur.com with “California Privacy Request” in the subject line.

We do not sell personal information as defined by CCPA.

9.3 European Union Residents (GDPR)

EU residents have rights under GDPR:

  • Legal basis for processing: Consent, legitimate interests, contractual necessity
  • Right to access: Request a copy of your data
  • Right to rectification: Correct inaccurate data
  • Right to erasure: Delete data under certain circumstances
  • Right to data portability: Receive data in machine-readable format
  • Right to object: Object to processing based on legitimate interests
  • Right to lodge a complaint: Contact your data protection authority

To exercise GDPR rights: Email neal@thepointspreneur.com with “GDPR Request” in the subject line.

9.4 How to Exercise Your Rights

To exercise any privacy rights:

  1. Email us at neal@thepointspreneur.com
  2. Specify which right you’re exercising
  3. Provide sufficient information to verify your identity
  4. We’ll respond within 30-45 days (depending on jurisdiction)

We may require verification of your identity before fulfilling requests.

10. Children’s Privacy

The Site is not intended for children under 13 (or 16 in the EU). We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us immediately, and we will delete such information.

11. International Data Transfers

The Site is operated in the United States. If you access the Site from outside the United States, your information may be transferred to, stored, and processed in the United States, where data protection laws may differ from your country.

By using the Site, you consent to the transfer of your information to the United States and other countries where we operate.

12. Third-Party Websites

The Site contains links to third-party websites, including credit card issuer sites. We are not responsible for the privacy practices of these external sites. When you click on affiliate links or visit third-party sites:

  • You are subject to that site’s privacy policy
  • We do not control their data collection practices
  • We encourage you to review their privacy policies

This Privacy Policy applies only to information collected through our Site.

13. Email Communications

13.1 Newsletter Subscriptions

When you subscribe to our newsletter:

  • We collect your email address and name (if provided)
  • We send educational content, updates, and promotional offers
  • We track email opens and clicks to improve content

13.2 Unsubscribing

You can unsubscribe at any time by:

  • Clicking the “unsubscribe” link in any email
  • Emailing us at neal@thepointspreneur.com
  • Updating your preferences in your account settings (if applicable)

Note: Even after unsubscribing from marketing emails, we may send transactional emails related to consulting services or inquiries you’ve initiated.

14. Do Not Track Signals

Some browsers offer “Do Not Track” (DNT) signals. Currently, there is no industry standard for responding to DNT signals. We do not respond to DNT signals, but you can control tracking through cookie settings and opt-out tools described in Section 6.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors.

How we notify you of changes:

  • Updated “Last Updated” date at the top of this policy
  • Prominent notice on the Site for material changes
  • Email notification to subscribers for significant changes

Your continued use of the Site after changes constitutes acceptance of the updated Privacy Policy. We encourage you to review this policy periodically.

16. Contact Us

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

The Points Preneur
Neal Gottlieb
Email: neal@thepointspreneur.com
Address: 86 Washington Park Avenue, Mill Valley, CA 94941

For privacy-specific inquiries:
Privacy Officer: neal@thepointspreneur.com

Response Time: We aim to respond to privacy inquiries within 5 business days.

Last Updated: February 8, 2026

This Privacy Policy is effective as of the date listed above and governs your use of the Site from that date forward.Share

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