Legal

Privacy Policy

Last updated: September 28, 2026

Welcome to Lucro! We are excited to introduce you to our financial education platform, designed for real people, with real budgets. This Privacy Policy (“Privacy Policy” or “policy”) describes the information we collect about you when you interact with our website (https://wwwlucro.net, the “Site”) and any of the tools, structured lessons, and other content available through our Site. Through our Site, you can sign up for a Lucro account and gain access to curated lessons that can assist you in boosting your financial understanding and confidence. When we collect personal information about you through our Site, we will use that information to maintain our waitlist, create your Lucro account, validate your Access Keys, maintain sessions and track your progress, respond to support requests, and improve the Site, including through the collection of aggregate usage metrics. We do not sell your personal information. You can find more information about what types of personal information we collect and what we do with it in this policy.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, you should not access or use our Site. We update this policy from time to time, so you should check back regularly for updates. Your continued use of this Site after we have posted changes to this Privacy Policy is deemed to be agreement to and acceptance of those changes, so please check the policy periodically for updates.

This policy does not apply to websites we do not own or control, even if we have provided a link to that website for your information or use.

Although Lucro is based in Montana, we understand that you may be visiting from a different state. Without conceding that we are subject to a privacy framework that may apply in your home state, we want you to know that we are committed to protecting your information. If you have a question or concern about what we have covered in this policy, feel free to send us an email! We will do our best to address whatever concerns you may have.

Categories of Personal Data

For purposes of this policy, “personal data” means any information that is linked or reasonably linkable to an identified or an identifiable individual. Different states use different definitions of “personal data” or “personal information.” Because we operate out of Montana, we use the definition in Montana’s Consumer Data Privacy Act. Common examples of personal data include your name and address, email address, registration and contact information, billing and payment information, and data about the device you are using to access our website or services. The personal data we collect depends on the extent of your interactions with our Site, the features you use, and applicable law. The categories of personal data we collect can include the following:

Individual Identifiers

Identifiers such as your name, unique personal identifier or username, internet protocol (IP) address, email address, phone number, date of birth, and other similar identifiers. We use this information to register you for an account and to contact you directly regarding your waitlist status or to provide you with your Access Key, should one be granted to you.

Account History

Information about the course content we have linked to your account, including your lesson history, tool use, account status, Access Key usage, and other related measures connected to account activity.

Credentials

Account credentials, passwords, password hints, and similar security information used for account access and authentication.

Correspondence

Records and copies of your correspondence (including email addresses and phone numbers), if you elect to contact us.

Usage Data

Data generated by your activity on our Site, including the following:

  • Interactions. Data about your interactions with the Site, including the time and date of your visit, the webpages you view and the amount of time you spend on each page, amount of time spent on each lesson, amount of lessons completed, usage frequency of the tools on our site, search queries you submit, your use of any of the features or functionality available through our Site (including those provided by our third-party vendors and partners), and any content that you download or stream.
  • Devices and Configuration Data. Data about your device and your device configuration, such as the domain name of your Internet Service provider, the IP address assigned to the computer you are using to access the Internet, the name and version of your web browser, and your computer’s operating system and platform.
  • Error Reports and Performance Data. Data concerning the performance of our Site, including any problems or errors you may experience.

Surveys and Requests for Information

Data submitted by you in connection with a student survey or request for feedback through our Site, including specific topics of interest, your geographic location, your email address and other contact information, and any additional information you may choose to include in an unstructured message to us.

Internet or Other Electronic Network Activity Information

Data collected through the use of cookies, pixels, or similar technologies about your interactions with our Site. These technologies are saved by your computer and will recognize your device in the future. The types of information collected by cookies, pixels, and similar technologies includes network and connection information (IP and ISP identifiers), computer and device information (such as device, application or browser type and version, operating system, or time zone setting), the location of your device or computer, authentication and security credential information, and content interaction information (such as lesson progress and downloads). You can find out more about cookies here: https://allaboutcookies.org/what-is-a-cookie.

How We Use Your Information

We use information that we collect about you and that you provide to us, including any personal information:

  • To operate, host, maintain, administer, troubleshoot, secure, and improve the Site, including its educational content, tools, waitlist forms, account access features, password management functions, Beta Access features, and contact functions.
  • To create and maintain user profiles, authenticate users, manage passwords, issue or validate Beta Access keys, administer account permissions, detect unauthorized access, and respond to account-related requests.
  • To communicate with you, including by responding to inquiries and support requests, sending administrative messages, delivering notices about privacy or security matters, and providing updates about Site access features, updates, or requested information.
  • To improve the performance of our Site.
  • To allow you to participate in the interactive features on our Site, including by tracking and logging your progress.
  • To comply with federal, state, or municipal ordinances or regulations, or a civil, criminal, or regulatory inquiry or subpoena.
  • To investigate, establish, and enforce our rights arising from any contracts entered into between you and us, including the Terms of Use of our Site.
  • To preserve the integrity or security of our systems.
  • To cooperate with law enforcement agencies concerning conduct or activity that may be illegal.
  • For any other purpose with your consent, such as providing you special offers, information about upcoming courses or new material, and other promotional correspondence. You can unsubscribe from our promotional correspondence at any time.

Waitlist Submissions

Lucro uses Formspree to process waitlist form submissions. Formspree processes information submitted through waitlist forms, including names, email addresses, message content, form metadata, timestamps, IP addresses, device and browser information, and related anti-spam or security information. To learn more about how Formspree uses your personal information, please review their Privacy Policy, available here: https://formspree.io/legal/privacy-policy/.

Account and Password Management

Lucro utilizes Firebase, a Google service, for account sign-in, user profiles, password management, authentication workflows, and Beta key checks. Firebase and Google may process account identifiers, user profile data, password-related information, authentication tokens, sign-in records, Beta Access key check information, security logs, and related diagnostic information. You can learn more about Firebase’s Privacy and Security practices here: https://firebase.google.com/support/privacy.

Site Development and Management

Lucro uses Netlify to build, deploy, host and manage our Site. Netlify may process technical, hosting, security, and log information, including IP addresses, browser and device information, request metadata, pages requested, timestamps, error logs, and information used to deliver, secure, and maintain the Site, including with the assistance of generative AI tools. You can learn more about Netlify’s services and privacy practices here: https://www.netlify.com/privacy/.

Analytics

When you access our Site on your device, we use first-party cookies to understand your activities on our Site. First-party cookies are installed by us, and we use them to better understand how visitors are using our Site so that we can improve its appearance, responsiveness, and functionality.

Third-Party Sites

For your convenience, plug-ins and hyperlinks may be posted on our Site that link to external websites we do not control. We are not responsible for, and this policy does not apply to, the privacy practices of other companies. You should not assume that our policy applies to any external sites, or that the policies applicable to those sites are similar to ours. You will need to review each site’s privacy policy to understand how your personal data will be collected and used by the owner of the site.

Your Privacy Rights and Options

Lucro is based in the State of Montana. We value your confidence and trust in us and take the privacy of your information extremely seriously. If you have a question or concern about this privacy policy and our use of personal information, please feel free to contact us! Even if the law in Montana is different from your home jurisdiction, we will still do our best to resolve any requests you may have.

If you would like to access, correct, delete, or obtain a copy of your personal data, email [email protected] and put “Privacy Rights Request” in the subject line, so we can get it to the right people. You can also delete the Lucro account tied to your sign-in from your profile. Once we have received your request, the first thing we will do is determine if we have collected and retained any of your personal data. If we are in possession of your personal data, we will confirm receipt of your request and contact you to verify your identity. The method by which we will verify your identity may vary, depending on the type and sensitivity of your personal data, the risk of harm to you, and the technology available to you. If we cannot verify your identity with reasonable certainty, we will deny your request and inform you that your identity could not be verified. Although you are under no obligation to cooperate with our efforts to verify your identity, we cannot act on your request until you have done so.

Please do not send us any sensitive personal information as part of your request. Should we require any information beyond your name and the email address on your Lucro account, we will contact you to discuss a secure and reliable means of transmitting that information to us.

Our resolution of your request will depend on the nature of the personal data and the purposes of our processing of your data. We reserve the right to decline your request if we are unable to authenticate your identity, if we have a good faith, reasonable, and documented belief that your request is fraudulent, or if your request exceeds what is required of us under applicable law. We may elect to fulfill your request without conceding the applicability of any legal requirement that would require us to do so.

Should we decline your request, you may submit an appeal of our decision to [email protected]. Please include “Consumer Privacy Appeal” in the subject of your email.

Children Under the Age of 13 Notice

Our Site is not intended for children under the age of 13 and no one under age 13 may provide any personal information to or on the Site. We do not allow children to establish their own accounts and the financial education materials on our Site are not suitable for children. We do not knowingly collect personal information from children. If we learn we have collected or received personal information from a child under 13 without verification or parental consent, we will delete that information. Use of our Site is subject to our Terms of Use. Should we find that an account has been created or used in violation of our Terms of Use, we reserve the right to terminate the associated account and delete all associated personal data.

Changes to Our Privacy Policy

We strive to be as open and transparent about our data collection and processing as possible. As our Site and the associated products and services evolve, we will make updates to this policy. When we post changes to the policy, we will post the date of the latest update at the top. If there are material changes to the policy, such as a change to the processing of your personal data that is not consistent with the purpose for which it was originally collected, we will notify you by either (i) posting a prominent notice of such changes to our Site before they take effect; or (ii) by sending you a direct notification, via email or your last contact address on file.

We encourage you to periodically review this policy for updates and contact us if you have any questions or concerns. All changes will become effective when posted.

Contact Us

To ask questions or comment about this privacy policy and our privacy practices, contact us at [email protected].