Make-Money Courses & Coaching
Before the sales call, the application asks what you earn and what you could invest, and the seller's privacy policy almost never mentions it. Partners and ad platforms get your contact details, often beside a promise never to sell them. Nothing says how long any of it is kept.
The read at a glance
The form records your money before anyone calls you, and a payment plan keeps you on the books until it is paid.
A leak shows what you earn, what you could put in, your credit and that you answered a money-making offer: a list of people to sell the next scheme to.
None of the thirteen policies read gives a period; a payment plan and what you owe on it are kept until it is paid.
The application asks for your phone number and your money, rarely an ID; a finance company paying for the programme may ask for more.
Industry profile reviewed 30 September 2026. Also machine-readable via the free API.
If it leaks
A leak shows what you earn, what you could put in, your credit and that you answered a money-making offer. That is a list of people to sell the next scheme to.
What repeats in the policies
Your finances, before anyone calls
The form before the sales call is a financial questionnaire. Of ten sellers' forms read, eight ask what you earn and seven how much you could invest; some ask your credit score, your job and your age. One opens by asking about your religion and sex, and goes no further if you are outside the group it wants. The answers decide, often automatically, whether you get a call. Only one of the ten privacy policies mentions the application at all.
To partners and ad platforms, with a no-sale promise
Four of the ten policies let partners send you their own offers, most of them while saying they never sell or rent your data. Three pass your email or phone number to ad platforms to find you on social media. Ticking the form's required box, or buying, is taken as consent to marketing calls and texts, in one case autodialled and from partners.
No end date, and a payment plan you cannot stop
None of the thirteen policies read gives a period for keeping your data, so how long is their claim. A payment plan is a debt for the whole price: stopping the card does not stop it, and one seller may report a missed payment to a credit reference agency. Coaching calls are recorded, and one seller may publish yours in its marketing.
What a company here typically holds
Worked out from the industry, not from any one company. What you actually handed over is yours to record.
What this can reveal about you
Built only from what this kind of service actually collects. A dimension that the data does not support is not listed.
Money and net worth Highly likely
The application asks what you earn, what you could invest and sometimes your credit score.
What lawfully stays after you leave
Two kinds of hold. Law sets it: a statute makes them keep it. They set it: a ground the company grants itself.
Tax and accounting records Law sets it about 6 years
Tax and company law makes them keep billing and payment records.
Records tied to a live or potential dispute They set it the limitation period of the claim
They can keep records to defend a live or possible legal claim.
A do-not-contact record They set it kept indefinitely, by design
A minimal note kept on purpose so they do not contact you or re-add you.
Who wants this data
People who answer money-making offers are a priced category on the US list-rental market: webinar, seminar and free e-book sign-ups are rented by the thousand. US law makes business-opportunity sellers warn buyers that your contact information can be disclosed in the future to other buyers.
Sold or shared Likely
Partners are given your details to send their own offers, and people who answer money-making offers are rented out as lists.
AI training Moderate
One seller licenses what buyers upload, voice recordings included, to train its AI; sales-call software transcribes calls.
Even anonymised, this can still be you
Your email or phone number is uploaded to ad platforms to find you on social media, and your answers sit beside it.
Name, date of birth, postcode Sometimes
Fifteen demographic attributes re-identify 99.98% of Americans in a released dataset (Rocher, Hendrickx and de Montjoye, Nature Communications, 2019); date of birth, postcode, and sex alone did it for most people in the first study of the problem (Sweeney, 2000).
Payment patterns Typical
Four card transactions identify 90% of people in payment data (de Montjoye et al., Science, 2015).
How you write Typical
Language models infer where a person lives, their income, and their sex from their writing alone, at near-human accuracy and at scale (Staab et al., ICLR 2024).
Face and voice Typical
A face, voice, or fingerprint template identifies a person directly; there is nothing left to anonymise, and it cannot be reissued like a password.
Browsing fingerprint Typical
Browser and device fingerprints were unique for 84% of visitors in the first large study (Eckersley, 2010), and sparse histories of what people viewed re-identified them against public reviews (Narayanan and Shmatikov, 2008).
The studies Estimating the success of re-identifications in incomplete datasets using generative models (Nature Communications 10, 3069, 2019)·Simple Demographics Often Identify People Uniquely (Carnegie Mellon University, Data Privacy Working Paper 3, 2000)·Unique in the shopping mall: On the reidentifiability of credit card metadata (Science 347 (6221), 2015)·Beyond Memorization: Violating Privacy via Inference with Large Language Models (ICLR 2024, 2024)·How Unique Is Your Web Browser? (Privacy Enhancing Technologies Symposium (PETS 2010), 2010)·Robust De-anonymization of Large Sparse Datasets (IEEE Symposium on Security and Privacy, 2008)
The wording that does the work
Clauses that recur across this industry, and what each one actually permits.
“to provide and improve our services”
The catch-all purpose. Analytics, profiling, personalisation and AI training all fit under it. When they want to do something new with your data, this sentence usually already allows it.
The move An objection tells them to use your data to run the service and nothing more.
“we do not sell your personal information”
Usually this means no cash changes hands. Your data can still go to ad networks, analytics firms and partners, because they count that as sharing rather than selling.
The move Use the do-not-sell switch where there is one, and put an objection in writing as well.
“service providers, partners, and affiliates”
This is how your data leaves with no name attached. Recipients are described by what they do rather than named, and you cannot send a request to a company you cannot name.
The move An access request can ask for recipients by name rather than by category, and UK and EU law put that choice with you.
“aggregated or de-identified information”
Taking your name off does not take away the pattern, and the pattern often still points at you. Policies give themselves free use of this data with no end date, on the basis that it is no longer about you.
The move If a deletion comes back as 'anonymised', keep the reply. It usually means de-identified, and it is their claim, not a fact you can check.
“retained as long as necessary, or as required by law”
They can keep it for legal duties, tax rules, fraud prevention, possible lawsuits and their own business reasons. None of those has a firm end date, so deletion turns into something you have to argue for.
The move Which reasons apply to you, and how long each runs, is a request of its own.
“you grant us a licence to use your content”
This is a contract term rather than a data setting, so a privacy request cannot undo it. A careful version ends when your account does. A broad one can be passed on, never expires and survives deletion.
The move Their terms say whether the licence ends when the account does. Close the account and log the date here.
“performance-based refund policy”
The refund depends on records you have to keep and hand over. At one seller that is 25 outreach messages a day for 90 days with time-stamped proof, the modules finished in 14 days and check-ins on set days; any gap voids the claim.
The move A See request asks for what they recorded about your progress, which is what a refund would be judged on.
“offers from us and from our marketing partners”
Your details go to partners so they can send you their own offers. No money is said to change hands, so the same policy can say it never sells or rents your data.
The move A See request asks for the partners by name.
“even if your email address or telephone number is registered on the National Do Not Call List”
Buying is read as agreeing to marketing calls and texts from the seller, its affiliates and its partners, by autodialler or recorded voice, whatever your Do Not Call registration.
The move A Limit request tells them to stop marketing calls and texts. In the UK they must stop once you object.
“to use and publish the recordings for marketing”
Your one-to-one coaching call, where your money, your work and your circumstances come up, becomes theirs to publish in their marketing.
The move A See request asks which of your recordings they hold and where they have used them.
Their own policy is the one that binds them. Pin it down with a request, and keep the reply.