Privacy policy

Last updated: July 2, 2026

Downloadable Wealth operates this store and website, including all related information, content, features, tools, products, and services (the “Services”), in order to provide you with a curated digital and commerce experience.

Downloadable Wealth is powered by Shopify and integrated with third-party systems including Stripe, payment processors, analytics tools, and internal infrastructure systems.

This Privacy Policy describes how we collect, use, and share personal information when you interact with the Services.

If there is a conflict between this Privacy Policy and any other terms, this Privacy Policy governs data collection, processing, and disclosure.

1. INFORMATION WE COLLECT

We may collect the following categories of personal information:

Contact Information

  • Name
  • Email address
  • Billing and shipping address
  • Phone number

Financial Information

  • Payment card details (processed via Stripe or payment providers)
  • Billing records
  • Transaction history
  • Payment confirmations

Account Information

  • Username
  • Password (hashed)
  • Preferences
  • Access permissions
  • Membership tier

Transaction Data

  • Products viewed or purchased
  • Cart activity
  • Subscription history
  • Refund or cancellation activity

Device & Technical Data

  • IP address
  • Browser type
  • Device identifiers
  • Session activity
  • Log data

Usage Data

  • Pages visited
  • Interaction with editions
  • Click behaviour
  • Navigation patterns

Communications

  • Support messages
  • Email correspondence
  • Feedback or inquiries

2. HOW WE COLLECT INFORMATION

We collect personal information:

  • Directly from you (checkout, signup, forms)
  • Automatically via browsing and usage
  • Through cookies and tracking technologies
  • From payment processors (Stripe, Shopify Payments, Paddle, etc.)
  • From service providers and analytics tools
  • From internal ecosystem systems (e.g. rewards, membership, DCX infrastructure)

3. HOW WE USE YOUR INFORMATION

We use personal information to:

Core Operations

  • Provide and operate the Services
  • Process payments and orders
  • Deliver digital access and memberships
  • Manage accounts and authentication

Personalisation & Experience

  • Recommend products and editions
  • Tailor content and dashboards
  • Improve user experience across the ecosystem

Marketing & Growth

  • Send promotional communications
  • Run targeted advertising
  • Retarget users across platforms

Security & Fraud Prevention

  • Detect fraudulent activity
  • Prevent abuse or chargebacks
  • Monitor suspicious behaviour
  • Protect accounts and transactions

Legal & Compliance

  • Comply with applicable laws
  • Respond to legal requests
  • Enforce platform terms

4. SHARING OF INFORMATION

We may share your personal information with:

  • Shopify (commerce infrastructure)
  • Stripe / payment processors (payment processing + fraud systems)
  • Paddle / alternative merchant providers
  • Whop (community access systems)
  • Hosting and database providers (e.g. Supabase)
  • Analytics tools (e.g. PostHog or equivalent)
  • Customer support tools

We may also share information:

  • To prevent fraud or abuse
  • To enforce our Terms of Service
  • To comply with legal obligations
  • In the event of business restructuring or system migration

We do NOT sell personal data.

5. RELATIONSHIP WITH THIRD-PARTY PLATFORMS

Shopify

Shopify processes data to enable checkout, analytics, and platform functionality.

Stripe / Payment Providers

Stripe and similar processors handle:

  • payment processing
  • fraud detection
  • dispute handling
  • chargeback resolution

Ecosystem Systems (DCX / Internal Systems)

Data may be used across Downloadable Wealth systems to:

  • manage entitlements
  • track rewards
  • assign access to editions
  • enforce subscription status
  • detect fraud or abuse

6. FRAUD, CHARGEBACKS & DISPUTES

When you make a purchase, you acknowledge that:

Chargeback Risk

A chargeback may occur if a transaction is disputed with your bank.

Common reasons include:

  • unrecognised charge
  • subscription confusion
  • accidental purchase
  • fraud claim
  • dissatisfaction

Outcomes

In the event of a dispute:

  • funds may be reversed
  • access may be suspended
  • dispute fees may apply (processor-dependent)
  • evidence may be automatically submitted by the system

Automated Evidence Systems

Downloadable Wealth may automatically generate and submit:

  • access logs
  • IP/device history
  • purchase records
  • usage activity
  • entitlement records

This is used to defend legitimate transactions.

7. DATA SECURITY

We use reasonable technical and organisational measures to protect your information.

However:

  • no system is 100% secure
  • data transmission over the internet carries risk
  • we cannot guarantee absolute security

8. DATA RETENTION

We retain personal information only as long as necessary to:

  • provide Services
  • comply with legal obligations
  • resolve disputes
  • enforce agreements
  • maintain account records

9. YOUR RIGHTS

Depending on your location, you may have rights to:

  • access your personal data
  • request deletion
  • correct inaccurate data
  • request data portability
  • opt out of marketing communications
  • restrict certain processing activities

Requests may require identity verification.

10. COOKIES & TRACKING

We use cookies and similar technologies to:

  • maintain sessions
  • analyse traffic
  • improve performance
  • personalise content
  • support advertising systems

Users may disable cookies, but functionality may be affected.

11. INTERNATIONAL DATA TRANSFERS

Your information may be stored or processed in countries outside your own, including where infrastructure providers operate.

Appropriate safeguards are used where required.

12. CHILDREN

The Services are not intended for individuals under the legal age of majority in their jurisdiction.

We do not knowingly collect data from minors.

13. CHANGES TO THIS POLICY

We may update this Privacy Policy at any time to reflect:

  • system changes
  • legal requirements
  • operational updates

Updates will be posted on this page with a revised “Last updated” date.