Last Updated: March 27, 2026
Your online privacy is important to Stellar Wealth Management LLC. The purpose of this privacy policy is to provide you with information about our practices with respect to the personal data that we collect from users of our website, myfinancialiqchallenge.com (the "Site"), and the services that are made available through the Site, including our SMS/text messaging programs.
Please email us at [email protected] if you have any questions concerning this privacy policy, our data collection practices, how we handle user information, or if you want to report a security concern.
This Privacy Policy ("Policy"), together with our Terms of Service ("Terms") and any other documents referred to herein, governs the basis of our collection, storage, and use of personal information collected by Stellar Wealth Management LLC, whose office is located at 722 Cottage Ave, Indianapolis, IN 46203.
Information is automatically collected when you use our Services. This may include your geographic location, how you interact with our Services, the type of device you use, your device identification number, date/time stamps of your visits, your unique device identifier, browser type, operating system, Internet Protocol (IP) address, and domain name. We use this information to operate and improve the Site and to provide you with the most relevant experience possible.
As is common with most websites, we automatically gather certain information and store it in log files. This includes IP addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamps, and clickstream data. We use this information to maintain and improve the performance of our Services.
We use analytics services (including, but not limited to, Google Analytics) to help analyze how users interact with the Site. These analytics services use cookies to collect information such as how often users visit the Site. We use this information to improve our Site and Services. The ability of these analytics services to use and share the information they collect is governed by their own terms of use and privacy policies.
If you have enabled location services on your mobile device, we may collect your location information to improve the Services we offer. If you wish to change our access or permissions, you may do so through your device settings.
When you opt in to our SMS/text messaging program through our website or other opt-in methods, we collect your mobile phone number. We may also collect your first name, last name, and email address in connection with the opt-in process. This information is used solely for the purpose of delivering text messages related to the program you have opted in to, and for managing your subscription preferences (including processing opt-out requests).
We do not sell, rent, or share your phone number or SMS opt-in data with any third parties for any purpose other than delivering the text messages you have opted in to receive. Text messaging originator opt-in data and consent will not be shared with any third parties, except the aggregators and providers of the text message services used to deliver messages on our behalf (such as Twilio), who are contractually bound to use such data solely for message delivery.
In general, the personal information you submit to us is used to respond to requests that you make, to help us serve you better, or to market our Services. We use your personal information in the following ways:
• Operate, maintain, and improve our Site and Services
• Respond to comments and questions and provide customer service
• Develop, improve, and promote our Services
• Fulfill and manage services, payments, and other transactions
• Identify you as a user in our system
• Resolve disputes and troubleshoot problems
• Assist law enforcement and respond to subpoenas
• Personalize your experience on the Site based on your usage and preferences
• Prevent fraudulent transactions, monitor against theft, and protect against criminal activity
• Send SMS/text messages related to programs you have opted in to, including notifications, alerts, and promotional messages as described at the time of opt-in
Your personal information may be kept and processed on servers in the United States. We may also create anonymous data records from your personal information by excluding information (such as your name) that makes the data personally identifiable to you. We use this anonymous data to analyze usage patterns so that we may enhance the content of our Services and improve Site functionality. We reserve the right to use anonymous data for any purpose and to disclose anonymous data to third parties at our sole discretion.
We may receive testimonials and comments from users who have had positive experiences with our Services. We may publish such content. When we do, we may identify users by their first and last name. We obtain the user's consent prior to posting this information along with the testimonial.
When you use the Services, the personal information you provide will be shared with the third parties that you authorize to receive such information.
We do not sell, rent, or share your personal information with third parties for their own marketing or promotional purposes. We may share your personal information only with contractors, service providers, and other third parties who perform work on our behalf and who are contractually obligated to use your information solely for the purpose of providing services to us. This includes sharing your phone number with our SMS service provider, Twilio, solely for the purpose of delivering text messages you have opted in to receive. These service providers are prohibited from using your personal information for any purpose other than fulfilling services on our behalf.
We do not sell your personal information. We may disclose aggregated or de-identified information that does not identify any individual without restriction. In addition, we may disclose personal information that we collect or you provide only in the following limited circumstances:
• To fulfill the purpose for which you provide it, for any other purpose disclosed by us when you provide the information, or with your consent
• To third parties designated by you
• To third parties to process payments made through the Services
• With contractors, service providers, and other third parties we use to support our business, solely for the purpose of performing services on our behalf and subject to contractual obligations to keep your information confidential
• To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, in which personal information held by us about users is among the assets transferred
We do not sell, rent, lease, or share your phone number, SMS opt-in data, or SMS consent information with any third parties for any purpose, except as strictly necessary to deliver text messages on our behalf. The only third parties that receive your phone number in connection with our SMS program are the aggregators and service providers (such as Twilio) that are contractually required to use such information solely for the purpose of delivering text messages on our behalf and for no other purpose.
Regardless of any choices you make concerning your personal information (as described below), Stellar Wealth Management LLC may disclose personal information if it believes in good faith that such disclosure is necessary: (i) in connection with any legal investigation; (ii) to comply with relevant laws or to respond to subpoenas or warrants served on our company; (iii) to protect or defend the rights or property of Stellar Wealth Management LLC or users of the Services; and/or (iv) to investigate or assist in preventing any violation or potential violation of the law, this Privacy Policy, or our Terms of Service.
We may periodically send you emails that directly promote the use of our Services. When you receive promotional communications from us, you may indicate a preference to stop receiving further communications from us, and you will have the opportunity to opt out by following the unsubscribe instructions provided in the email you receive or by contacting us directly. Despite your indicated email preferences, we may send you service-related communications, including notices of any updates to our Terms of Service or Privacy Policy.
If you have opted in to our SMS/text messaging program, you may revoke your consent and opt out at any time. You may opt out by texting any of the following standard keywords to the short code from which you are receiving messages: STOP, QUIT, END, REVOKE, OPT OUT, CANCEL, or UNSUBSCRIBE. You may also revoke consent by contacting us directly at [email protected], by replying to any message with a request to stop, or by any other reasonable means. We will honor all revocation requests within 10 business days. After we process your opt-out, we will send you a one-time confirmation message, and you will no longer receive SMS messages from us. You may also text HELP at any time for assistance. If you wish to rejoin after opting out, you may opt in again through the original sign-up method.
If you decide at any time that you no longer wish to accept cookies from our Services, you can instruct your browser, by changing its settings, to stop accepting cookies or to prompt you before accepting a cookie from the websites you visit. Consult your browser's technical information for instructions. If you do not accept cookies, however, you may not be able to use all portions of the Services or all functionality of the Services. If you have any questions about how to disable or modify cookies, please contact us at [email protected].
As a user of our Site, you have the following rights, any of which you may exercise by contacting us at [email protected]:
You have a right of access to any personal information we hold about you. You can ask us for a copy of your personal information, confirmation as to whether your personal information is being used by us, and details about how and why it is being used. Extra requests (particularly repetitive ones) for data may result in a fee being charged.
You have a right to request an update to any of your personal information which is out of date or incorrect.
You have a right to ask us to delete any personal information which we are holding about you in certain specific circumstances. You can ask us for further information on these specific circumstances by contacting us at [email protected]. We will pass your request onto other recipients of your personal information unless that is impossible or involves disproportionate effort.
You have a right to ask us to restrict the way that we process your personal information in certain specific circumstances. You can ask us for further information on these specific circumstances by contacting us at [email protected]. We will pass your request onto other recipients of your personal information unless that is impossible or involves disproportionate effort.
You have the right to opt out of any marketing communications that we may send you, whether by email or SMS, as described in Section 4 above.
The security of your information is important to us, but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal data, we cannot guarantee its absolute security.
We use the following types of cookies on our Site:
• Session Cookies: We use session cookies to operate our Service.
• Preference Cookies: We use preference cookies to remember your preferences and various settings.
• Security Cookies: We use security cookies for security purposes.
We retain personal information only for as long as reasonably necessary to fulfill the purposes for which it was collected, to comply with our legal obligations, and to enforce our agreements. The following describes our general retention practices:
• Website and analytics data (such as log files, IP addresses, and browsing data) is retained for up to 24 months from the date of collection, after which it is deleted or anonymized.
• SMS/text messaging records, including message content and delivery data, are retained for the duration of your active subscription and for up to 6 months after you opt out, unless a longer period is required by law or regulation.
• SMS consent records and opt-in/opt-out records are retained for a minimum of 5 years from the date of consent or revocation of consent to demonstrate compliance with applicable Telephone Consumer Protection Act (TCPA), FCC, and CTIA requirements.
• Account information (such as your name and email address) is retained for as long as your account remains active and for up to 12 months after account closure or your last interaction with the Services.
• Cookie data is retained for varying periods depending on the type of cookie: session cookies expire when you close your browser, while preference and security cookies may persist for up to 12 months. You may also delete cookies at any time by clearing your browser cookies.
When personal information is no longer needed for any of the above purposes, we will securely delete or anonymize it. We may retain anonymized or aggregated data indefinitely, as such data cannot be used to identify you.
We may update this Privacy Policy from time to time. Any changes we make will be posted on this page with the "Last Updated" date amended, and where appropriate, we will notify you by email. Please check back periodically to review any updates or changes to our Privacy Policy.
Our Site and Services are intended solely for individuals who are 18 years of age or older. We do not offer any services to minors under the age of 18 under any circumstances. By using our Site or Services, you represent and warrant that you are at least 18 years old. If we become aware that a person under 18 has used our Services or provided us with personal information, we will take steps to terminate their access and delete their information as soon as possible. In addition, in compliance with the Children’s Online Privacy Protection Act (COPPA), we do not knowingly collect personal information from children under the age of 13. If you believe that a minor has provided us with personal information, please contact us at [email protected] so that we can take appropriate action.
If you have any queries or complaints about our collection, use, or storage of your personal information, or if you wish to exercise any of your rights in relation to your personal information, please contact us at:
Stellar Wealth Management LLC
722 Cottage Ave, Indianapolis, IN 46203
Email: [email protected]