1. Introduction

Welcome to The Millennial Debt Escape Plan.

We respect your privacy and are committed to handling personal information responsibly and transparently.

This Privacy Policy explains how personal information may be collected, used, stored, and shared when you visit our website, subscribe to our communications, download free resources, purchase digital products, or contact us.

It also explains your choices and privacy rights.

2. Who We Are

The Millennial Debt Escape Plan (MDEP) is a financial education brand operated by Tihirou Nicol, Sole Proprietor, based in Sierra Leone.

For the purposes of applicable data protection laws, Tihirou Nicol is responsible for determining how personal information collected through the MDEP website and related services is used.

Business operator/legal identity: Tihirou Nicol, Sole Proprietor

Business location: Sierra Leone

Privacy contact email: support@tyronenicol.com

Website: https://www.tyronenicol.com

For privacy-related questions or requests, you may contact us using the details above or through our website's Contact Us page.

3. Information We Collect

Depending on how you interact with our website, we may collect:

Information you provide directly:

• Your first name and email address when requesting free resources or subscribing.

• Contact information and order details when purchasing digital products.

• Information you submit through our contact form.

• Messages or enquiries you voluntarily send us.

• Your communication preferences.

Information collected through website technologies:

Our website platform and any enabled analytics or similar services may process technical information such as your IP address, browser type, device information, referring pages and website interactions.

The precise information collected depends on the technologies actually enabled on the website.

Payment information:

Where purchases are processed through a third-party payment provider, that provider may collect and process payment information under its own privacy policy.

We do not intend to store full payment card numbers ourselves.

4. How We Use Personal Information

We use personal information, where necessary and permitted, to:

• Deliver requested free educational resources, including the Debt Escape Starter Kit.

• Process purchases and provide access to digital products.

• Send order confirmations and service-related communications.

• Respond to enquiries and customer support requests.

• Send educational newsletters, financial learning materials and promotional offers where we have an appropriate legal basis.

• Maintain, improve and secure our website and services.

• Prevent fraud, misuse and unauthorised activity.

• Meet applicable legal, accounting and regulatory requirements.

We do not promise to use information for purposes inconsistent with this policy without providing appropriate notice or obtaining consent where required.

5. Email Communications and Marketing

If you subscribe to our educational emails or otherwise provide valid permission to receive marketing communications, we may send practical financial education, website updates, free resources and information about our paid products.

Our planned email programme may include a series of educational follow-up messages.

You may unsubscribe from marketing emails at any time using the unsubscribe link provided in those messages.

Unsubscribing from marketing communications does not necessarily prevent essential transactional messages relating to purchases or customer enquiries.

We use permission-based subscription forms and email processes designed to reflect applicable consent and marketing requirements. Where marketing consent is required, subscribers are asked to provide it before receiving promotional communications. We may use a confirmation email to verify subscriptions, and marketing emails include an unsubscribe option.

6. Legal Bases for Processing

Where laws such as the UK GDPR apply, we rely on an appropriate legal basis for processing personal information.

Depending on the circumstances, these may include:

• Consent: For certain marketing communications or optional technologies.

• Performance of a contract: To process and fulfil purchases or provide requested services.

• Legitimate interests: For appropriate website administration, security and customer support, subject to applicable safeguards.

• Legal obligations: Where information must be retained or processed to comply with the law.

We will not treat a request for a free resource as automatic permission for unrelated marketing where separate consent is required.

7. Sharing Information With Service Providers

We may share the minimum personal information reasonably necessary with trusted service providers that support our operations.

These may include website hosting, email marketing, payment processing, digital product delivery, technical support, and analytics providers.

Our website currently uses Systeme.io as a website and marketing platform.

Additional providers will be identified or described as relevant when they are configured.

Service providers may process information on our behalf or under their own applicable privacy terms.

We do not sell personal information to data brokers.

8. Cookies and Similar Technologies

Our website may use cookies or similar technologies required for essential functionality, security, analytics, or other enabled services.

Where legally required, visitors will be provided with appropriate information and choices before optional cookies or comparable tracking technologies are activated.

A separate cookie notice or preference mechanism may be introduced if required by the technologies we use.

9. International Data Transfers

Because our website may be accessed internationally and may rely on service providers operating in different countries, personal information could be processed outside your country of residence.

Where applicable data protection laws require safeguards for international transfers, we will take appropriate measures.

10. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected, subject to applicable legal, accounting, contractual and regulatory requirements.

We determine retention periods according to the following criteria:

• Marketing subscriptions: Contact details are retained while a subscription remains active and are reviewed following withdrawal of consent or an unsubscribe request. Limited suppression information may be retained where necessary to prevent unwanted marketing.

• Purchase and transaction records: Information is retained for the periods required by applicable accounting, tax, payment-processing and dispute-resolution obligations.

• Customer support communications: Records are retained for the period reasonably necessary to resolve enquiries, maintain appropriate records and address potential disputes.

• Technical and security information: Records are retained according to their operational purpose, security requirements and applicable service-provider settings.

When personal information is no longer required, we will delete, anonymise or otherwise handle it appropriately, subject to any continuing legal obligations.

Individuals may request deletion of eligible personal information by contacting support@tyronenicol.com. We will assess these requests in accordance with applicable law.

11. Information Security

We take reasonable organisational and technical steps to protect personal information against unauthorised access, alteration, disclosure or loss.

We also rely on the security measures maintained by our website and other service providers.

However, no online system can be guaranteed to be completely secure.

12. Your Privacy Rights

Depending on your location and applicable laws, you may have rights to:

• Request access to personal information held about you.

• Request correction of inaccurate information.

• Request deletion of personal information in eligible circumstances.

• Object to or restrict certain processing.

• Withdraw consent where consent is the legal basis.

• Request portability of eligible personal information.

• Lodge a complaint with an appropriate data protection authority.

We will consider requests in accordance with the laws applicable to the request.

To exercise your rights, please contact us using the privacy contact details in this policy.

13. California and Other United States Privacy Rights

Residents of certain United States jurisdictions may have additional privacy rights under applicable state laws.

Where such laws apply to our activities, we will honour relevant rights and provide any additional notices required.

We do not currently intend to sell personal information or use it for cross-context behavioural advertising.

Any future advertising arrangements will be reviewed and disclosed as appropriate.

14. Children's Privacy

Our website and financial education resources are intended for adults.

We do not knowingly solicit personal information from children under 18.

If we become aware that personal information from a child has been collected inappropriately, we will take appropriate action.

15. External Websites

Our website may contain links to third-party websites or services.

We are not responsible for the privacy practices of those third parties. We encourage visitors to review their privacy policies before providing personal information.

16. Future Services and Affiliates

We may introduce additional products, educational courses and affiliate-related services in the future.

Before implementing features that materially change how personal information is processed, we will review and update our privacy notices, consent processes and service-provider arrangements as necessary.

17. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our services, technology or applicable legal requirements.

The latest version will be published on this website with an updated revision date.

18. Contact Us

For questions about this Privacy Policy or requests concerning your personal information, please contact:

The Millennial Debt Escape Plan

Operated by: Tihirou Nicol, Sole Proprietor

Email: support@tyronenicol.com

Business location: Sierra Leone

Website: https://www.tyronenicol.com

We will review privacy-related enquiries and requests in accordance with applicable data protection requirements.

The Millennial Debt Escape Plan

Real Life. Real Money. A Better System.