Privacy Policy

A legal disclaimer

Last Updated: April 13, 2026

At Sugar & Gold ("Jean Chatzky," "we," "us," or "our"), we respect your privacy and are committed to protecting the personal and financial information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, [Sugarngold.com] (the "Site"), use our financial diagnostic tools, or connect with our matched experts.

Please read this policy carefully. By accessing our Site or using our services, you consent to the collection and use of your information as outlined in this Privacy Policy.

1. Information We Collect
To match you with the right certified financial expert (such as Marcus Foroud or Frances Kong) and provide customized resources, we collect several types of information:

Personal Identifiers: Your name, email address, phone number, and physical mailing address (for example, when you pre-order Jean's book or sign up for our newsletter).

Financial Profile Data: Information you voluntarily provide during our matching assessments, which may include your approximate income bracket, outstanding debt types, savings goals, homeownership status, and retirement timelines.

Account Credentials: Username, password, and security preferences if you register a client portal account on our Site.

Technical and Usage Data: IP address, browser type, operating system, pages viewed, time spent on our Site, and referral URLs collected automatically via cookies and tracking technologies.

2. How We Use Your Information
We use the information we collect for specific, legitimate business purposes, including:

Providing and Optimizing Our Services: To analyze your financial profile and match you with the appropriate certified expert (e.g., matching you with debt-relief specialists or high-end portfolio architects).

Communication: To send you personalized newsletters, updates on Jean Chatzky’s books (including The Forever Paycheck), and transactional emails regarding your appointments or account status.

Customer Support: To respond to your questions, feedback, or assistance requests.

Site Improvement: To monitor and analyze usage trends to make our digital interface smoother, faster, and more accessible.

Legal Compliance: To prevent fraud, secure our systems, and comply with applicable laws, regulations, or legal processes.

3. How We Share and Disclose Your Information
We do not sell, rent, or trade your personal or financial information to third parties for marketing purposes. We only share your data under the following circumstances:

With Our Certified Partners: To facilitate your consultations, your financial diagnostic profiles are shared directly with our lead partners, Marcus Foroud and Frances Kong, or their certified associate networks.

With Third-Party Service Providers: We share data with trusted vendors who perform services on our behalf, such as website hosting, email delivery systems, book order fulfillment (e.g., third-party bookstores), and analytics platforms. These vendors are legally bound to protect your data and use it only as instructed.

For Legal Reasons: We may disclose your information if required to do so by law, subpoena, or if we believe in good faith that such action is necessary to protect the safety, rights, or property of our users, the public, or the Company.

4. Security of Your Information
We implement industry-standard administrative, technical, and physical security measures designed to protect your personal and financial information from unauthorized access, loss, alteration, or disclosure.

Encryption: Financial diagnostic data and personal identifiers are transmitted securely using Secure Socket Layer (SSL) encryption.

No Absolute Guarantee: While we take proactive, state-of-the-art steps to secure your data, please be aware that no security system is 100% impenetrable, and we cannot guarantee absolute security of data transmitted over the internet.

5. Your Rights and Choices
Depending on where you reside (for example, if you are protected under the CCPA in New Jersey or the GDPR in Europe), you may have specific rights regarding your personal data:

Access and Correction: You can request a copy of the personal information we hold about you or request that we update incorrect details.

Data Deletion: You have the right to request that we delete your personal and financial data from our systems, subject to certain legal exceptions.

Opt-Out of Marketing: You can opt out of receiving promotional emails from us at any time by clicking the "Unsubscribe" link at the bottom of our emails or contacting us directly.

Cookie Preferences: You can modify your browser settings to decline cookies, though this may limit your ability to use some interactive features of our Site.

6. Children's Privacy
Our Services are not intended for, nor do we knowingly collect personal data from, individuals under the age of 18. If we learn that we have collected personal information from a minor without verifiable parental consent, we will delete that data immediately.

7. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our business practices or legal obligations. When updates are made, we will revise the "Last Updated" date at the top of this policy. We encourage you to review this page periodically to stay informed about how we protect your privacy.

8. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data handling practices, please reach out to us at:

Email: Info@Sugarngold.com

Mailing Address: 310 South Orange Ave, NJ 07079