Privacy Policy

The Top Minds™ and HWH Inc. ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy describes how we collect, use, store, and protect personal information when you use our website at thetopminds.com and any associated services. This Privacy Policy operates alongside our Terms of Service, which together govern your use of the Site.

1. Information We Collect

Information you provide directly:

• Name and email address when registering for a webinar, subscribing to articles, or completing a diagnostic tool
• Financial information you self-report when using diagnostic tools (stored only for session use; not retained)
• Contact and scheduling information when reserving a strategy session
• Communications when you contact us via email or chat

Information collected automatically:

• IP address, browser type, device type, and operating system
• Pages visited, time spent on pages, and navigation patterns (via analytics tools)
• Referring URLs and search terms

2. How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and schedule consultations
• Send educational content and articles you have opted in to receive
• Deliver webinar registration confirmations and reminders
• Send follow-up communications related to strategy sessions or diagnostic tool results
• Improve the functionality and content of our Site
• Comply with applicable legal and regulatory requirements

We do not sell, rent, or trade your personal information to third parties for their marketing purposes.

3. Communications and Marketing

If you provide your email address, you may receive educational emails, article notifications, webinar invitations, and follow-up communications from our team. You may opt out of these communications at any time by clicking the unsubscribe link in any email or contacting us at hello@thetopminds.com.

SMS opt-in data and consent are never shared with third parties. We do not sell or disclose your SMS opt-in information or mobile number to any third party for marketing purposes.

3a. SMS Communications

If you provide your mobile phone number and consent to SMS communications, you may receive messages from The Top Minds™ via text message. We collect SMS consent through two separate, independent, unchecked-by-default checkboxes on our booking and lead-capture forms across thetopminds.com — one for transactional messages and one for promotional/marketing messages. Each consent is optional and independent. You may check either, both, or neither, and you may complete the form without checking either box.

SMS opt-in is collected on the following public website forms:

• English booking form: https://thetopminds.com/pages/book.html
• Spanish booking form: https://thetopminds.com/es/pages/book.html
• Six-Risk Retirement Diagnostic: https://thetopminds.com/pages/SixRisk_Diagnostic_Gated_1_v2.html
• Retirement Income Gap Calculator: https://thetopminds.com/pages/Income_Gap_Gated_2_v2.html

Each form presents the same two-checkbox structure with verbatim consent language. No login is required. Each consent is independent and not bundled with the act of submitting the form.

• Transactional SMS consent: Covers appointment reminders, session confirmations, and retirement income strategy follow-up messages related to your scheduled sessions.
• Promotional/Marketing SMS consent: Covers educational content, webinar invitations, and complimentary strategy session offers.
• Opt-in: Each consent type is obtained through a separate explicit checkbox. Neither checkbox is pre-checked. Consent is never required as a condition of receiving our services. You may submit any of the four forms without checking either SMS box.
• Opt-out: Reply STOP to any SMS message to unsubscribe immediately. Each consent type may be revoked independently. You may also contact us at compliance@thetopminds.com to request removal. Full opt-out terms are described in our Terms of Service §6a.
• Help: Reply HELP to any SMS message for assistance, or contact hello@thetopminds.com.
• Message frequency: Message frequency varies based on your session schedule, follow-up stage, and campaign cycles.
• Message and data rates: Standard message and data rates may apply depending on your mobile carrier plan.
• Sole sender: HWH Inc. is the sole sender of all SMS communications under this program. No third party sends messages on our behalf using your opt-in data.
• No sharing of SMS opt-in data: We do not sell, rent, share, or disclose your SMS opt-in status or mobile phone number to any third party — including affiliates, partners, lead aggregators, or marketing networks — for any marketing or solicitation purpose. SMS opt-in information is never shared with third parties for any reason.

4. Third-Party Services

We use the following third-party services that may collect or process data on our behalf:

• GoHighLevel (GHL) — CRM, scheduling, and communication platform
• Google Analytics — website traffic and behavior analytics
• Google Meet — video conferencing for strategy sessions
• Cloudflare — website hosting, security, and CDN
• Retell AI / ElevenLabs — AI voice and chat services (when active)

Each of these services has its own privacy policy. We encourage you to review them.

5. Data Security

We implement industry-standard security measures to protect your personal information, including HTTPS encryption, Cloudflare security infrastructure, and access controls. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

6. Cookies

Our Site may use cookies and similar tracking technologies to enhance your browsing experience and collect usage analytics. You may adjust your browser settings to refuse cookies, though some functionality may be affected. We do not use third-party advertising cookies.

7. Your Rights

Depending on your location, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information
• Opt out of marketing communications at any time

To exercise any of these rights, contact us at compliance@thetopminds.com.

8. Children's Privacy

Our Site is not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Your continued use of the Site following any changes constitutes acceptance of the updated policy.

10. Contact

For privacy-related questions or requests:
The Top Minds™
compliance@thetopminds.com
(888) 896-8858

© 2026 HWH Inc. All rights reserved.