Privacy policy

Effective May 1, 2018

money.disrupted operates the website (referred to below as the “Service”). This page informs you of our policies regarding the collection, use and disclosure of personal data when you use our Service and the options you have associated with that data. We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information following the rules outlined in this policy. The terms used in this Privacy Policy have the same meanings as in our Terms and Conditions. Please note that our research reports (available for sale) have separate terms and conditions that will be communicated to you should you decide to purchase one of our reports.


Service: the website.

Personal Data: data about a living individual who can be identified from this data (or from this and other information in our possession or likely to come into our possession).

Usage Data: data collected automatically generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).

Cookies: small files stored on your device (computer or mobile device).

Data Service Providers: any natural or legal person who processes the data on behalf of money.disrupted. money.disrupted may use the services of various Service Providers in order to process your data more effectively.

How we collect your data and how we use it

money.disrupted collects several different types of data for various purposes to provide and improve the Service to you.

Personal Data

money.disrupted may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally identifiable information may include, but is not limited to: Email address, First name and last name, Phone number, Cookies and Usage Data.

Usage Data

money.disrupted may also collect information that your browser sends whenever you visit the Service through a laptop or a mobile device. This Usage Data may include information such as your device’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of the Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

Cookies Data

We use cookies and similar tracking technologies to track the activity on the Service and we hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Other tracking technologies are also used such as beacons, tags and scripts to collect and track information and to improve and analyze the Service. You can instruct your browser to refuse cookies or to indicate when a cookie is being sent. You can also erase cookies from your browser. If you do not accept cookies, you may not be able to use some portions of our Service. Examples of Cookies we use include: session cookies, preference cookies and security Cookies.

How we use the data collected

money.disrupted uses the collected data for various purposes, including: providing and maintaining the Service, notifying you about changes to the Service, allowing you to participate in features of the Service, providing customer support, gathering analysis or valuable information so that we can improve the Service, monitoring the usage of the Service, and detecting and addressing technical issues.

How long we keep the data

money.disrupted will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes and enforce our legal agreements and policies. money.disrupted will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of the Service, or we are legally obligated to retain this data for longer periods.

Transfer of data

Your information, including Personal Data, may be transferred and maintained on servers located outside of your governmental jurisdiction where the data protection laws may differ from those of your jurisdiction. If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to the United States and process it here. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

money.disrupted will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure of data

Business Transaction

If money.disrupted is involved in a merger or acquisition or asset sale, your Personal Data may have to be transferred. We will provide you with a notice before your Personal Data is transferred (and we will share the updated Privacy Policy).

Legal Requirements

money.disrupted may disclose your Personal Data in the good faith belief that such action is necessary to comply with a legal obligation, protect and defend the rights or property of none, prevent or investigate possible wrongdoing in connection with the Service; protect the personal safety of users of the Service or the public, protect against legal liability.

Security of Data

The security of your data is a priority to money.disrupted. However, no method of transmission and storage over the Internet is entirely secure. We will always use commercially acceptable means to protect your Personal Data, but we cannot guarantee its absolute security.

Our Policy on “Do Not Track” Signals – California Online Protection Act (CalOPPA)

We do not support Do Not Track (“DNT”). You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser.

General Data Protection Regulation (GDPR)

Legal Basis for Processing Personal Data under GDPR

If you are from the European Economic Area (EEA), money.disrupted’s legal basis for collecting and using the personal information described in this Privacy Policy depends on the Personal Data we collect and the specific context in which we collect it. money.disrupted may process your Personal Data because we have a contract with you, you have given us permission to do so, the processing is in our legitimate interests and it is not overridden by your rights, to comply with the law.

Your Data Protection Rights under GDPR

If you are a resident of the European Economic Area (EEA), you have GDPR data protection rights. money.disrupted aims to take reasonable steps to allow you to correct, amend, delete or limit the use of your Personal Data. You can contact us if you want to be informed about what Personal Data we hold. We can remove or amend this data at your demand.

In certain circumstances, you have the following data protection rights: to access, update or delete the information we have on you; whenever possible, to access, update or request deletion of your Personal Data directly within your account settings section; to rectify your information if it is inaccurate or incomplete; to object to our processing of your Personal Data; to request that we restrict the processing of your personal information; to be provided with a copy of the information we have on you in a structured, machine-readable and commonly used format; to withdraw consent at any time where money.disrupted relied on your consent to process your personal information. We may ask you to verify your identity before responding to such requests.

You have the right to complain to a Data Protection Authority about our collection and use of your Personal Data. For more information, please contact your local data protection authority in the European Economic Area (EEA).

Service Providers and Google Analytics

We may employ Service Providers to facilitate our Service, provide the Service on our behalf, perform or assist us in analysing how our Service is used. These third parties have access to your Personal Data only to perform these tasks and are obligated not to disclose or use your Personal Data for any other purpose.

We use Google Analytics to monitor and analyze the use of the Service. Google Analytics is a web analytics service offered by Google that tracks and reports website usage patterns and traffic. Google uses the data collected to track and monitor the use of the Service. This data is shared with other Google services. For more information on the privacy practices of Google, please visit the Google Privacy web page (

We also use MailChimp to manage our newsletter and email communications with our users. Your data is shared with MailChimp only for the purpose of processing the newsletter service on our behalf. For more information on the privacy practices of MailChimp, please visit the MailChimp Privacy web page (

Links to other sites

The Service will contain links to other websites that are not operated by money.disrupted. If you click on such a link, you will be directed to other websites. These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracing your interaction with the embedded content if you have an account and are logged in to that website.

You should review the Privacy Policy of these websites, as money.disrupted has no control over these Privacy Policies, and assumes no responsibility for the content, privacy policy or any aspect of how other websites or services operate.

Children privacy

The Service is not intended for anyone under the age of 18. We do not knowingly collect personally identifiable information from individuals under the age of 18. If you are a parent or guardian and you are aware that your Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from individuals under the age of 18 without verification of parental consent, we remove that information from our servers.

Changes to this Privacy policy

This Privacy Policy is subject to amendment at any time. We will notify you of any changes by publishing the updated Privacy Policy here. We will let you know via email and/or a prominent notice on the Service, in advance of any change and we will update the effective date on this page. Please review this Privacy Policy periodically. Changes to this Privacy Policy are effective when they are published here.

Other terms of use

  • money.disrupted does not accept sponsorship or advertising and our views are ours alone and not biased by any sponsorships of any kind
  • money.disrupted does not provide investment advice and does not sell or promote any investment. Any information provided to you is not intended as an offer or solicitation with respect to the purchase or sale of any security and should not be relied upon by you in evaluating the merits of investing in any securities or other types of assets.
  • money.disrupted makes no representation or warranty relating to the Service including, without limitation, any representation or warranty as to the merchantability, fitness for any particular purpose or use, accuracy or completeness of the information published on this website

Contact us

If you have any questions about this Privacy Policy, please reach out to us through this form.

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