Privacy Policy

Here are a few items I want to bring to your attention about my advertising.  I have a cookie on my website that will allow me to show you ads across the internet after you visit my page using Google’s ad network.  This also includes Facebook and LinkedIn.  I do this so you can find me again once you visit my website.  You can always opt-out by visiting Google’s Ad Settings page at www.google.com/settings/ads or by updating your privacy settings on Facebook. I also have a cookie on my website that, if you are an email subscriber, I can email you more information about a page you just visited.

Attention Users that are using our website at no charge:  We may share or sell your personal and non-personal information with trusted third parties, such as advertisers, data analytics providers, and other business partners. This helps us provide free access to our content and services. If your account is a paid account, either through your employer or other means, then your information will never be sold nor will we share your personal information beyond what is necessary to provide our services.

I want to make sure you have a great experience both on my site and off my site, so you can contact me at jake at prepaidpm.com if you have any questions or concerns.

This Privacy Policy governs the manner in which Prepaid Program Management LLC collects, uses, maintains and discloses information collected from users (each, a “User”) of the www.prepaidpaidpm.com, www.paymentsacademy.net and www.prepaidacademy.com websites (“Site”). This privacy policy applies to the Site and all products and services offered by Prepaid Program Management.

The legal version of this is below.

Prepaid Program Management LLC (“we,” “us,” or “our”) is committed to protecting your privacy and ensuring you have a positive experience while using our websites, including www.prepaidpm.com, www.paymentsacademy.net, and www.prepaidacademy.com (collectively, the “Site”). By using the Site, you agree to the terms outlined in this Privacy Policy. If you do not agree with the terms, please discontinue use of the Site.

Personal Identification Information

We collect personal identification information when Users voluntarily provide it, including but not limited to their name, email address, and payment details. Free Users should note that their information may be shared or sold to third parties, as detailed in the section “Sharing and Selling Your Information.” Paid Users’ information is not sold.

Non-Personal Identification Information

We may collect non-personal identification information, such as browser type, operating system, and IP address, when Users interact with the Site. This data helps us improve User experience and optimize our services.

Web Browser Cookies

Our Site uses cookies to enhance your experience. Cookies may be used for the following purposes:

• Retargeting Ads: To show you ads on platforms like Google, Facebook, and LinkedIn after visiting our Site.
• Email Engagement: To provide tailored email content if you are a subscriber and interact with specific pages.
• Sales: We may use third-party services to obtain your personal information and contact information based on the information we collect.

You can opt out of retargeting ads by visiting Google Ad Settings or updating your privacy settings on Facebook and LinkedIn. However, note that disabling cookies may affect your experience on the Site.

How We Use Collected Information

We may use your information for the following purposes:

• To provide and improve our services.
• To enhance customer support.
• To process payments: Payment information is used solely to process orders and is not shared with third parties beyond what is necessary for order fulfillment.
• To send updates and newsletters: You may unsubscribe from marketing emails at any time.

Sharing and Selling Your Information

For Free Users:

We may share or sell your personal and non-personal information with trusted third parties, such as advertisers, data analytics providers, and other business partners. This helps us provide free access to our content and services.

For Paid Users:

We do not sell or share your personal information beyond what is necessary to provide our services.

Third-Party Websites and Services

Our Site may link to external websites, including advertisers and business partners. We are not responsible for the privacy practices of these external sites. Users should review their privacy policies independently.

Advertising and Analytics

We use third-party advertising services, including Google Adsense and Facebook Ads. These services may collect non-personal information to deliver targeted ads. To opt out of Google’s DART cookie, visit Google’s Privacy Policy.

Google Analytics, Advertising, and User-Provided Data

We use Google Analytics 4 (“Google Analytics”), a web analytics service provided by Google, to better understand how visitors use our website, measure website performance, improve our products and services, and evaluate the effectiveness of our marketing.

Google Analytics may collect information such as:

• Pages viewed and actions taken on our website
• Date, time, and duration of visits
• Referring websites or sources
• Browser and device information
• Operating system information
• Approximate geographic location
• IP address and related network information
• Cookies, device identifiers, and similar technologies
• Information about how users interact with our website

Google Analytics generally collects information such as session statistics, approximate geographic location, and browser and device information as part of its standard implementation.

Google Signals and Advertising Features

We have enabled certain Google Analytics advertising features, which may include Google Signals, demographics and interests reporting, remarketing, advertising personalization, and integration with Google advertising products.

When Google Signals is enabled, Google may associate information collected through our website with information from users who are signed into their Google accounts and who have permitted Google to use that information for advertising personalization. This may allow Google Analytics to provide aggregated information regarding demographics, interests, and activity across devices.

Google Analytics Advertising Features may use Google advertising cookies and other identifiers in addition to the information collected through standard Google Analytics.

We may use this information to:

• Better understand our audience
• Measure advertising effectiveness
• Create audiences for advertising campaigns
• Display advertising to people who previously visited our website
• Measure conversions resulting from advertising
• Improve our marketing and website experience

User-Provided Data

We may use Google Analytics features that allow us to provide Google with certain first-party information that you voluntarily provide to us, such as information submitted when registering, purchasing a product, completing a form, or otherwise interacting with our website.

Depending on the information you provide and our configuration, this information may include:

• Email address
• Telephone number
• Name and mailing address

Where supported, this information is normalized and securely hashed before being transmitted to Google. Google may use this information to improve advertising measurement, attribution, audience creation, enhanced conversions, and related advertising services.

We do not intentionally send passwords, payment card numbers, sensitive financial account information, health information, or other categories of information prohibited by Google Analytics policies to Google Analytics.

Google Advertising and Data Processing

Google may process information collected through Google Analytics in accordance with Google’s own privacy policies and terms. Information collected through Google Analytics may also be used with Google advertising services that we have connected to our Google Analytics account.

Google Analytics Advertising Features may allow information collected through our website to be combined with information collected through Google advertising cookies and identifiers.

Cookies and Similar Technologies

Google Analytics and related advertising services may use cookies, browser storage, device identifiers, pixels, tags, and similar technologies to collect and process information about your use of our website.

These technologies may be used to:

• Recognize a browser or device
• Measure website traffic
• Analyze visitor activity
• Maintain session information
• Measure advertising performance
• Support remarketing and advertising personalization
• Prevent fraud and abuse

Your Choices

Depending on your location and applicable law, you may have the right to limit or opt out of certain analytics or advertising activities.

You may:

• Adjust your browser settings to block or delete cookies
• Adjust your Google advertising personalization settings through your Google account
• Use Google’s Google Analytics Opt-out Browser Add-on
• Exercise any privacy rights described elsewhere in this Privacy Policy

Blocking or deleting cookies may affect certain website functionality.

Where required by applicable law, we will obtain consent before using cookies, identifiers, or personal information for analytics or personalized advertising purposes.

Google provides additional information regarding how Google Analytics collects and processes information through its privacy and Analytics documentation.

Microsoft Clarity

We use Microsoft Clarity to understand how visitors interact with selected public pages of our Site. Clarity may collect information about page visits and interactions, including clicks, scrolling, mouse movements, navigation patterns, device and browser information, approximate location derived from an IP address, and website performance data. Clarity may also create session recordings that allow us to review how visitors use the Site.

We use this information to improve website usability, content, marketing, and the overall visitor experience. We have configured Clarity not to record designated course, lesson, topic, transcript, continuing-education, and password-reset pages.

Microsoft Clarity uses cookies and similar technologies, including pseudonymous identifiers, to connect page views and analyze visitor activity. Microsoft may process this information according to the Microsoft Privacy Statement. You may restrict cookies through your browser settings or the cookie preferences available on our Site.

Clarity’s standard cookies include identifiers that associate interactions and page views with a pseudonymous visitor or session.

Compliance with Children’s Online Privacy Protection Act

We do not knowingly collect information from children under 13 years of age. If we become aware that such information has been inadvertently collected, we will delete it promptly.

Security of Your Information

We implement industry-standard security measures, including SSL encryption, to protect your data. However, no data transmission over the internet or electronic storage method is completely secure. By using our Site, you acknowledge and accept this risk.

Changes to This Privacy Policy

We may update this policy at any time. Changes will be posted on this page with the updated date. Users are encouraged to review this policy periodically for any updates.

Your Acceptance of These Terms

By using this Site, you agree to this Privacy Policy. If you do not agree, please discontinue use of the Site. Continued use of the Site following any changes to this policy constitutes your acceptance of the updated terms.

Contact Us

For questions or concerns about this Privacy Policy, please contact:

If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us at:
Prepaid Program Management LLC – www.prepaidpm.com
Jake Posey 8633 Autumn Green Drive Jacksonville, FL 32256
(877) five one seven -5231
jake at the domain prepaidpm.com

This document was Last updated: August 15, 2026