Your financial details are confidential
The private details you save on your account — estimated income, whether you are a W-2 earner or a business owner, business revenue, entity type, filing status, state, dependents, planned retirement year, goals, notes, Fragility Test scores, and any debt or credit figures you enter — are locked to your own account at the database level. Access rules on our systems allow only the signed-in owner of that account to read or change them through the site.
Other members, partners and advisors cannot read them, and no administrator screen displays them. Administrators manage accounts, roles, access and purchases.
Database rules mean your saved details, goals and Monet conversations are readable only by your own signed-in account through the site. No administrator screen displays them. Separately, our systems hold privileged credentials used by background processes such as scoring, billing, email and aggregate reporting, and our hosting, database and email providers keep operational logs and backups. Access through those routes is restricted to authorized systems and personnel for specific operational, security or legal purposes.
We do not sell your information and we do not share it with advertisers or data brokers. We do use service providers — hosting and database, payment processing, email delivery and the AI provider behind Monet — which necessarily process the data required to run those features on our instructions.
Your conversations with Monet
If you are signed in, your conversations are saved to your own account so you can continue them later, and the same owner-only rules apply. If you are not signed in, guest conversations are kept only in your own browser.
Monet's answers are generated by an external AI provider. Your question, and any saved context you have chosen to share, are sent to that provider to produce the answer. We do not sell that content or use it to advertise to you. We do not control the provider's own logging or retention, and we cannot promise your content is never retained or never used to improve models — so please do not enter account numbers, full Social Security numbers or passwords.
You can delete your saved private details at any time from your account page, and you can ask for your account and its data to be deleted entirely.
Please avoid entering account numbers, full Social Security numbers, passwords or other sensitive identifiers into the chat. Monet does not need them, and you should never need to share them to get an educational answer.
Credit, debt and Fragility Test information
Anything you enter about balances, interest rates, credit score ranges or a credit report summary is used solely to produce your own plan on your own screen. It is stored against your account only, under the same owner-only rules described above, and it is not pooled, resold, or shown to partners.
We do not keep your credit report. If you choose to connect your card and loan accounts, that connection is read-only, it needs your explicit permission, and the balances, interest rates and payments that come back are shown to you and are not written to our records at all.
The connection itself is deleted automatically three days after you create it, and you can remove it sooner at any time from the Debt Freedom page. Deletion removes it at our end and at the connection provider.
Because nothing is retained, we encourage you to download your own copy of your accounts and your plan from the Debt Freedom page and keep it on your own device. You can upload that file again later to carry on where you left off, without reconnecting or paying again.
We are not a credit bureau, credit repair organisation, lender or debt settlement company.
How your information is protected
Traffic travels over encrypted connections and our hosting and database providers encrypt stored data at rest. Encryption protects data from outsiders; it does not prevent access by the platform's own authorized systems and personnel.
Your private records carry owner-only access rules enforced by the database itself, not just by the pages you see, so no ordinary sign-in — staff included — reads them. Privileged background access exists for operations, security and legal purposes, as described above.
Sensitive fields are kept out of anything the public part of the site can read: partner contact emails and fee terms, seller contact emails on marketplace listings, and purchased files are all served only to the people entitled to them. Card details are handled entirely by our payment processor and never reach us.
Passwords are never stored in readable form, sign-in is handled by our authentication provider, and administrator areas require both a verified sign-in and an administrator role. We keep the amount of information we hold to the minimum the feature needs, and we delete what is no longer needed.
What we do collect
Account basics: your name, email address, and optionally a phone number, so you can sign in, recover access and receive the messages you asked for.
Purchases and memberships: our payment processor handles your card details and we never see or store your full card number. We keep a record of what you purchased so your access works.
Newsletter and messages: if you subscribe or send an enquiry, we keep your email address and the content of what you sent so we can reply. Every newsletter includes a one-click unsubscribe.
Basic technical logs used to keep the site secure and working.
Anonymous usage counts: which pages are opened, the device type, and where a visit came from, recorded against a random session id. We do not run session replay or screen recording, and we do not use advertising trackers.
Logs, error reports, backups and support
Our hosting and database providers keep server logs, error reports and routine backups so the platform can be operated, debugged and restored. Backups are encrypted copies of the database, which means confidential records are included in them; they are held by the provider and restored only for recovery.
If you contact support and ask us to look into something on your account, authorized personnel may need to use privileged access to investigate. We use it for that purpose, keep it to the minimum required, and do not browse member records for any other reason.
Access to all of these routes is restricted to authorized systems and personnel for specific operational, security or legal purposes.
Who we share with, and why
Only the service providers needed to run the platform: hosting and database, the payment processor, the email provider and the AI provider that powers Monet's answers. They process data on our instructions.
If you explicitly request an introduction to an advisor, partner or professional, we pass only what you submitted in that request — not your saved private profile.
We may disclose information where the law requires it, or to protect the safety and rights of people using the platform.
Your choices
You can view and update your account details, change your email or password, delete your private financial profile, unsubscribe from emails, and request full deletion of your account. Requests can be sent through the contact details published on this site.
Downloads, watermarks and the protection agreement
Our strategies, guides, playbooks and Monet answers are original work owned by Hariom Helps Foundation. Before you download anything, you are asked once to read and sign our Content Protection Policy: the material is licensed to you for your own personal use, and copying, sharing, reselling, republishing or using it to train an AI model is not permitted.
When you sign, we record your account, the name you typed, the version of the policy, the date and time, and the network address and browser used to sign. That record is evidence that the licence was accepted; you can see your own record on your account page, and it cannot be edited or deleted by anyone through the site.
Every file you download carries a visible watermark, a copyright line, and a licence stamp with the name on your account, a licence reference and the date. Pages printed from the site carry the same stamp. The stamp includes your name by design, so a leaked copy can be traced back to the account it came from — that is a use of your personal information we want you to know about before you download.
We do not publish these records, share them with partners, or use them for marketing. They are used only to operate the licence and, if it ever became necessary, to enforce it.
Education only
Everything on Let Money Grow™ is educational. Nothing here is financial, tax, legal, insurance or credit advice, and no confidentiality promise on this page changes that. Please read the full disclaimer and risk disclosure as well.
This policy may be updated as the platform grows. Questions can be sent through the contact details published on this site.
