... for davidpandone.com

Welcome to the unbelievable amount of needless complexity that the tech industry and their lawyers have ushered into the world. Guess how I feel about it… and them.

Last updated: 08/01/2019

Who we are

davidpandone.com is one of the publishing activities administered as a function of:
MyMoneySmart, LLC
Phoenix, Arizona 85027
owned and operated by David A. Pandone
whose activities include books in print, live lectures, videos for training, blogs, commentary, information, articles, and other information related directly or indirectly to business activities. Service descriptions and a library of client reference information for David Pandone Wealth Strategies business activity is also cataloged on this site.

We truly look forward to your participation in our comment sections, future chat, and/or discussion forums.

And then there's all the following legal horsefeathers:

What personal data we collect and why we collect it

It is worthy of mention that in response to the amount of government regulation of financial services here in the United States that discussing financial information, even when that information is specifically qualified as "opinion" and not "financial advice", it becomes prudent to ensure the age and the state of residence of the person being addressed. State and Federal regulatory agencies are rather sticky about the scope of one's licensure or certifications and commentary that financial professionals provide if and when it would be qualified as "advice", to whom, and in what jurisdiction. In the interest of tailoring our commentary and discussion content for each individual comment or question is why your birth year, state, and country of residence are required information here on davidpandone.com.

Your profile is established so that you may access member-only content and may at any time of your choosing contribute to discussions, comment on pages, articles, blog posts, and other content with a profile that connects to your on-site activities. It is our intention to encourage responsible and respectful discussion and we find and have ample evidence that complete anonymity is antithetical to such civil behavior in today's online world. I find that when people's actions are divorced from their identity that they have the tendency to behave in a less-than-civil manner. Therefore, identity will be registered through a "username" until which time it becomes obvious that a first and last name is necessary to discourage poor manners. The site bears it's founders name who regards the site as a virtual home for his thoughts and opinion on these topics and will respect all guests who display good manners, intelligent discussion, thoughtful debate, and respect for others. Those intentionally pursuing discord or disruption will be shown the door.

The Google reCAPTCHA system has been employed to further discourage bots and other non-human or non-civil actors from interjecting distracting or disturbing content into chat and commentary sections.

At this time your registration and profile on davidpandone.com allows you to opt-out of certain information that would reliably locate you as a unique personality in the world. You are only required to register a user name, your first name, a functional email address with which to associate your profile, your birth year, and the state and country in which you reside. While fields do currently exist or may be added in the future where you may (at your option) provide more contact information that would more specifically identify you, those fields are currently optional. We don't require nor do we encourage for our purposes of education and topics of discussion the extensive listing of personal information on the site. The less you disclose, the more secure we shall all be; the internet is still the wild, wild west. davidpandone.com is more focused on information going 'out' as educational or for purposes of discussion from this location than the pursuit of data headed into it; however anti-opportunist or un-monitizing that standing might be.

I do seek through the site the opportunity to attract and serve a larger client base and will maintain contact information through email services as outlined below. If you provide a means of contact, either email or phone number, davidpandone.com, MyMoneySmart, LLC, David Pandone Wealth Strategies, and David Pandone himself each reserve the right to contact you for business purposes through those means. Once contact is established through email or by phone and a "client" relationship is established, your profile maintained on the website as "subscriber" if any and client data maintained for client services will be maintained as wholly separate entities.

Personal data is also generated from technical processes such as contact forms, comments, cookies, analytics, and third party embeds. By default WordPress does not collect any personal data about visitors, and only collects the data shown on the User Profile screen from registered users. However some plugins may collect personal data and this information is listed below.


Any comments, stories submitted, testimonials, or any communication shared publicly here on davidpandone.com becomes a functioning part of the community and therefore the property of davidpandone.com and MyMoneySmart, LLC by proxy. Do not expect if you delete your profile from the site that efforts will be made to "scrub" your presence from the site and any of your historical activity. If you post it, you do so willingly and you surrender your rights to control that which you have posted. No one will make time to clean up after you.

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using Gravatar. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture or icon is visible to the public in the context of your comment.


All uploaded files to the website for display are publicly accessible. If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can likely access images, download, and extract any location data from images posted publicly to the website.

Contact forms

Contact forms may include first and last name, an email address, phone number, and miscellaneous other information that relates to the reason for contact. You may assume that all contact and communication with the site admin is voluntary and this site reserves the right to delete or maintain your contact information as function of this website indefinitely. Contact information gathered for communication is not shared with third parties, nor marketing agencies, and is only used to communicate with the person in question for topics, activities, and business functions of davidpandone.com, David Pandone Wealth Strategies, and MyMoneySmart, LLC.


If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select "Remember Me", your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.


This site employs Google Analytics. You can access and review Google's privacy policies here: https://policies.google.com/privacy By default WordPress does not collect any analytics data. This site employs email marketing through GoDaddy.com whose opt-in opt-out features are user controlled and can be accessed at the bottom of each email generated.

Who we share your data with

davidpandone.com currently has no intention of monetizing your contact information in any way or providing your email or identity information to any third party or associated business partners. Google ads do run on the site and therefore you may see ad placements update with ads that Google has targeted to align with your interests and recent activities on the internet based upon Google's proprietary tracking activities.

If the privacy policy here at davidpandone.com should change to include attempts for monetization or sharing to third party associates of profile information at any time in the future, you will be notified and given time to adjust any information in your site profile as you would feel appropriate.

As mentioned above, any personal contact data submitted to this site is used for business purposes of davidpandone.com, MyMoneySmart, LLC, and/or David Pandone Wealth Strategies activities and is not shared with third-party marketing organizations nor affiliates for the purpose of monetization. By default WordPress does not share any personal data with anyone.

How long we retain your data

When you register with davidpandone.com as a "subscriber" you do so willingly and your profile data is maintained until you as the user deletes your account. Required information as discussed above is deleted with the account and user profile. Any comments, responses, questions, communications, emails or other contact types yet to be determined outside of your own profile information become the property of davidpandone.com and MyMoneySmart, LLC by proxy.

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

The only identifying information required for "subscriber" membership and full site access is a user name, a first name, a functional email address, the year of your birth, the state in which you reside if a US resident, and your country. As explained in the opening paragraphs of this rather painful and lengthy legal snipe hunt, this information allows us to tailor our "opinion" on topics discussed in comments to those inquiring according to their state, their country of residence, and their approximate age, which financial regulatory authorities tend to regard as "an important consideration".

If you have an account on this site, maintaining, adding to the information, or deleting your profile and the information contained therein is under control of the end user who is free to delete their profile, subscriber status, and member-only access at any time.

This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Privacy Specific Concerns:

Members and subscribers may access contact information on the tab on the main menu.

Additional information

There is currently no means by which this site accesses nor processes purchases through its own online store. Merchandising extensions are planned but are not yet active.


%d bloggers like this: