Privacy Policy

Last updated: April 2026

This Privacy Policy describes how THE FINANCIAL COACHING COMPANY LTD ("Stoic Ledger", "we", "us", "our") collects, uses, and discloses your personal information when you use our services.

1. Information We Collect

We collect information you provide directly, including:

• Account Information: Name, email address, company details (for business users).
• Member Information: Name and phone number used for the daily quote card program.
• Mobile Information: If you opt in to receive SMS alerts, we collect your phone number, consent status, and related submission metadata for compliance and messaging operations.
• Habit Data: Daily quote card views, reminder preferences, and check-in completion metadata.

2. How We Use Your Information

• Provide, maintain, and improve our daily Stoic quote card services.
• Send transactional SMS daily quote card links and money habit reminders (with explicit consent).
• Personalize reminder cadence and card relevance to member preferences.
• Send schedule-linked reminders and follow-up check-ins.
• Communicate important updates about your account or reminder settings.
• Monitor and analyze trends, usage, and activity to improve our Services.
• Detect, investigate, and prevent fraudulent transactions and other illegal activities.

3. SMS Communications

This opt-in program is for transactional daily Stoic quote card links and money discipline reminders.

Transactional SMS: If you provide explicit consent, we send transactional daily quote card links, money discipline prompts, and schedule-linked reminder check-ins. Message frequency is daily and may vary based on your chosen reminder schedule.

Consent Records: We retain records of SMS consent, including consent source, timestamp, and submitted number to support carrier and legal compliance requirements.

Opt-Out: You may opt out of SMS at any time by replying STOP to any message. Upon opt-out, we process your request immediately and send a confirmation message.

Mobile Information Sharing: We do not share, sell, or rent mobile phone numbers or SMS opt-in data to third parties for marketing or promotional purposes. We may share mobile information with our SMS service providers acting solely on our behalf to deliver the messages you requested and to maintain required compliance records.

4. Message Examples

Examples of SMS messages we may send:

• "Stoic Ledger: Today's Stoic quote card is ready. Read now: https://stoicledger.space/cards/daily-10482. Reply STOP to unsubscribe."
• "Stoic Ledger: Money discipline reminder — log today's non-essential spend before 8pm. Reply STOP to unsubscribe."
• "Stoic Ledger: Evening check-in is open. Need support? Reply HELP."
• "Stoic Ledger: Weekly reflection card is ready. Review your habit streak here: https://stoicledger.space/cards/weekly-10482"

5. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you services. SMS consent records, along with associated phone numbers, are retained for compliance purposes, or until you request deletion where legally permitted. Habit and reminder metadata is retained according to your selected plan and legal obligations.

6. Your Rights

You have the right to:

• Access and receive a copy of your personal data.
• Rectify inaccurate personal data.
• Request deletion of your personal data.
• Object to processing of your personal data.
• Withdraw SMS consent at any time (reply STOP).

7. Contact Us

THE FINANCIAL COACHING COMPANY LTD
Company Number SC249108
Registered office: 6 Kinneddar Mains Steading, Saline, Dunfermline, Fife, KY12 9LJ, Scotland
Email: max.horne@stoicledger.space