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Privacy Policy

Privacy Policy & Website Disclaimer

Website: https://leanthony.com
Website Operator: Leanthony Stephens
Effective Date: November 1, 2026
Contact: leanthonywebsite@gmail.com

PART I — PRIVACY POLICY

1. Who We Are

Leanthony.com is an independently operated financial education website created and maintained by Leanthony Stephens.

The Website provides general educational information relating to banking, credit, lending, personal finance, investing fundamentals, financial literacy, and professional development.

Our goal is to make financial concepts easier to understand through articles, educational guides, calculators, worksheets, and other informational resources.

Our website address is:

Homepage

2. Information We Collect

When you visit or interact with this Website, certain information may be collected.

This may include:

We collect information to operate the Website, respond to inquiries, improve visitor experience, maintain security, and provide requested services.

Please do not submit sensitive financial information through this Website. This includes bank account numbers, passwords, Social Security numbers, credit card numbers, or financial login credentials.

3. Comments

When visitors leave comments, we collect the information displayed in the comments form, along with the visitor’s IP address and browser user-agent string to assist with spam detection and website security.

An anonymized string created from your email address (also known as a hash) may be provided to the Gravatar service to determine whether you use it.

Gravatar’s privacy policy is available at:

After approval, your profile picture may be visible publicly alongside your comment.

4. Media

If you upload images to the Website, you should avoid uploading images containing embedded location information, including EXIF GPS data.

Visitors may be able to download publicly accessible images and extract information contained within those files.

5. Cookies

This Website may use cookies to improve functionality and visitor experience.

Cookies may be used to:

If you leave a comment, you may choose to save your name, email address, and website in cookies for convenience. These cookies may last up to one year.

If you visit a login page, a temporary cookie may be used to determine whether your browser accepts cookies. This cookie contains no personal information and is removed when you close your browser.

If you log in, additional cookies may save your login information and screen preferences. Login cookies generally last two days, while screen preference cookies may last one year. Selecting “Remember Me” may extend your login session to two weeks.

If you edit or publish an article, an additional cookie may be saved to identify the post you edited. It generally expires after one day.

You may disable cookies through your browser settings. Certain website features may not function properly if cookies are disabled.

6. Embedded Content From Other Websites

Articles and pages may include embedded content such as videos, images, social media posts, and other external materials.

Embedded content from other websites behaves as though you visited those websites directly.

Those websites may collect information, use cookies, employ tracking technologies, and monitor your interaction with their content.

Leanthony.com does not control the privacy practices of external websites. Visitors should review the applicable third-party privacy policies.

7. Who We Share Your Information With

We may share limited information with service providers when reasonably necessary to operate the Website.

These providers may include:

We do not intend to sell visitors’ personal information as a source of revenue.

We may disclose information when required by law, to respond to lawful legal processes, or to protect the Website, its visitors, and our legal rights.

If you request a password reset, your IP address may be included in the reset email, consistent with standard WordPress functionality.

8. How Long We Retain Your Information

Comments and their metadata may be retained indefinitely to recognize and approve follow-up comments.

For registered users, personal information provided in user profiles may be retained while the account remains active.

Visitors may request the deletion of personal information, subject to applicable legal, administrative, and security requirements.

Other information may be retained for as long as reasonably necessary to operate the Website, maintain security, respond to inquiries, or comply with legal obligations.

9. Your Privacy Rights

Depending on applicable law, you may have the right to:

To submit a privacy request, contact:

leanthonywebsite@gmail.com

We may request reasonable information to verify your identity before responding.

10. Where Your Information Is Sent

Visitor information may be processed by website hosting companies and other service providers.

Visitor comments may be checked through automated spam detection services.

Some third-party services may process information outside the United States. Their individual privacy policies and terms govern their handling of information.

11. Data Security

We take reasonable measures intended to protect information collected through the Website from unauthorized access, disclosure, alteration, or destruction.

Nevada Revised Statutes NRS 603A.210 addresses reasonable security measures for certain data collectors maintaining personal information of Nevada residents. We recognize the importance of protecting visitor information and seek to maintain appropriate safeguards.

However, no website, electronic transmission, or storage system can be guaranteed to be completely secure.

12. Children’s Privacy

This Website is intended for general educational purposes. It is not designed to knowingly collect personal information from children under the age of 13 without appropriate parental consent.

If you believe a child has submitted personal information without appropriate authorization, contact us at leanthonywebsite@gmail.com.

13. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in website functionality, technology, legal requirements, or business practices.

Updated versions will be published on this page with a revised effective date.

PART II — FINANCIAL EDUCATION DISCLAIMER

14. Educational Purposes Only

All information published on Leanthony.com is provided for general educational and informational purposes only.

This includes:

THE INFORMATION PROVIDED ON THIS WEBSITE DOES NOT CONSTITUTE INDIVIDUALIZED FINANCIAL ADVICE, INVESTMENT ADVICE, LEGAL ADVICE, TAX ADVICE, ACCOUNTING ADVICE, CREDIT COUNSELING, OR A RECOMMENDATION TO PURCHASE, SELL, HOLD, BORROW, OR INVEST IN ANY FINANCIAL PRODUCT.

Content is not prepared based on your individual financial circumstances, income, credit history, assets, liabilities, financial objectives, or risk tolerance.

Reading an article, using a calculator, downloading a resource, or contacting this Website does not establish a financial advisory, fiduciary, banking, lending, attorney-client, or other professional relationship.

You are responsible for evaluating your individual circumstances and seeking qualified professional assistance when appropriate.

15. No Guarantee of Financial Results

Leanthony Stephens and Leanthony.com make no guarantee regarding any financial result or outcome associated with information presented on this Website.

This includes, without limitation:

Financial outcomes depend on numerous factors, including individual circumstances, financial institution requirements, market conditions, interest rates, economic conditions, and applicable laws.

Past performance and hypothetical examples are not guarantees of future results.

16. Financial Calculators, Tools, and Educational Resources

Calculators and interactive tools are provided to help visitors understand financial concepts and explore hypothetical financial scenarios.

Results may be estimates based on information entered by the visitor and assumptions incorporated into the applicable tool.

Calculators may not account for every relevant factor, including:

CALCULATOR RESULTS ARE ESTIMATES ONLY. THEY ARE NOT OFFICIAL BANK QUOTES, LOAN APPROVALS, CREDIT DECISIONS, INVESTMENT PROJECTIONS, OR GUARANTEES OF FINANCIAL PERFORMANCE.

Visitors should independently verify all important calculations and assumptions before relying on them.

17. Always Verify Financial Information

Financial institutions establish their own policies, procedures, underwriting standards, eligibility requirements, fees, and product terms.

Information published on this Website may not reflect the current policies or requirements of your specific financial institution.

ALWAYS FACT-CHECK AND VERIFY IMPORTANT FINANCIAL INFORMATION DIRECTLY WITH YOUR BANK, CREDIT UNION, LENDER, CREDIT BUREAU, INVESTMENT PROFESSIONAL, OR OTHER APPROPRIATE FINANCIAL INSTITUTION BEFORE MAKING A FINANCIAL DECISION.

We also encourage visitors to consult independent and authoritative sources.

Examples include:

Financial products, laws, regulations, and institutional policies change. Always confirm that information is current before acting on it.

18. Accuracy and Reliability of Information

We make reasonable efforts to publish educational information that is understandable, relevant, and accurate at the time of publication.

Nevertheless, we do not guarantee that every article, calculation, example, resource, or explanation will be complete, current, or free from errors.

Information may become outdated due to changes in laws, regulations, financial institution policies, market conditions, interest rates, and industry practices.

We reserve the right to correct, update, modify, or remove content at any time.

Visitors should not rely exclusively on a single article, calculator, or educational resource when making significant financial decisions.

19. Limitation of Liability and Financial Loss

To the fullest extent permitted by applicable law, Leanthony Stephens and Leanthony.com disclaim responsibility for financial decisions made by visitors based on general educational information published through the Website.

To the extent permitted by applicable law, Leanthony Stephens and Leanthony.com shall not be liable for damages or losses arising from the use of, reliance upon, or inability to use the Website, its content, calculators, tools, articles, or downloadable resources.

This includes, but is not limited to:

LEANTHONY STEPHENS AND LEANTHONY.COM ARE NOT RESPONSIBLE FOR FINANCIAL LOSSES RESULTING FROM A VISITOR’S INDEPENDENT FINANCIAL DECISIONS OR RELIANCE ON GENERAL EDUCATIONAL CONTENT, TO THE EXTENT PERMITTED BY LAW.

Visitors acknowledge that they are responsible for independently evaluating information and determining whether any financial action is appropriate for their circumstances.

Nothing in this section excludes liability where applicable law prohibits such exclusion, including rights and remedies that cannot legally be waived.

20. No Professional Financial or Investment Advisory Relationship

The Website is intended to provide general financial education rather than personalized financial services.

The federal Investment Advisers Act of 1940, including 15 U.S.C. § 80b-2(a)(11), contains a statutory definition of an investment adviser that addresses certain compensated investment advisory activities and publications.

A disclaimer alone does not determine whether a particular activity is regulated. Accordingly, this Website does not claim that all financial content or activities are automatically exempt from financial regulation.

Visitors seeking individualized investment advice should consult an appropriately qualified and, where required, registered investment professional.

21. Third-Party Websites and Financial Products

This Website may reference financial institutions, products, services, publications, and external websites.

References are provided for informational and educational purposes.

A reference, link, or mention does not necessarily constitute an endorsement, recommendation, partnership, or guarantee.

Leanthony.com does not control third-party services, their products, their security, or their business practices.

Visitors are responsible for reviewing third-party terms, privacy policies, fees, agreements, and disclosures before entering into transactions.

22. Advertising, Affiliate Links, and Sponsored Content

If Leanthony.com participates in affiliate marketing, sponsorships, paid promotions, or other compensated relationships, those relationships will be disclosed where required by applicable law.

The Federal Trade Commission’s Endorsement Guides, 16 C.F.R. Part 255, address disclosures of material connections in endorsements and testimonials.

Any compensation or business relationship will not eliminate a visitor’s responsibility to independently evaluate a product or service.

PART III — PROFESSIONAL INDEPENDENCE AND EMPLOYMENT DISCLAIMER

23. Independent Website — No Official Representation

Leanthony.com is an independently operated personal financial education platform.

Leanthony Stephens publishes content in a personal capacity. The Website is not an official communication channel, publication, department, or representative of any employer, financial institution, military branch, or government organization.

Professional experience and industry background may be referenced to provide context for educational discussions.

Those references do not mean that an organization has approved, reviewed, sponsored, supervised, or endorsed this Website or its content.

24. Important Professional Disclaimer

IMPORTANT NOTICE — INDEPENDENT PERSONAL CONTENT

LEANTHONY STEPHENS DOES NOT SPEAK FOR, REPRESENT, OR ACT ON BEHALF OF THE ARMED FORCES, DICKERSON FINANCIAL CORPORATION, DICKERSON FINANCIALS, ACADEMY BANK, OR ANY OTHER EMPLOYER, FINANCIAL INSTITUTION, OR ORGANIZATION.

ALL CONTENT PUBLISHED ON LEANTHONY.COM IS PROVIDED IN A PERSONAL AND INDEPENDENT CAPACITY. IT DOES NOT REPRESENT AN OFFICIAL STATEMENT, POLICY, POSITION, RECOMMENDATION, OR ENDORSEMENT OF ANY OF THESE ORGANIZATIONS.

References to Dickerson Financial Corporation, Dickerson Financials, Academy Bank, the Armed Forces, or other organizations are included solely to identify relevant professional background, explain general industry experience, or provide educational context.

Such references do not establish an affiliation, partnership, sponsorship, or authorization to speak on behalf of those organizations.

25. Use of Professional Experience and Organization Names

Any mention of professional experience, financial institutions, or organizations is intended to provide relevant context when explaining general financial concepts.

For example, references to banking experience may help explain how certain banking concepts are encountered in a professional environment.

However:

The practices of one financial institution should not be assumed to apply to every other financial institution.

Visitors seeking official policies, products, procedures, or services must contact the relevant organization directly.

26. Confidentiality and Nonpublic Information

Leanthony.com is intended to provide general financial education and professional commentary.

The Website is not intended to disclose confidential customer information, nonpublic financial information, proprietary business information, internal institutional documents, or restricted workplace materials.

Any professional examples should be general educational illustrations and should not identify customers, disclose confidential information, or imply access to an organization’s internal records.

Nothing on this Website should be interpreted as authorization to disclose information belonging to an employer, customer, financial institution, or other organization.

27. No Employer Endorsement

The operation of Leanthony.com does not imply that any employer or organization has approved, sponsored, reviewed, or authorized the Website.

Any professional titles or employment references are included for background and identification purposes only.

All content is independently published and should not be attributed to an employer or organization.

PART IV — LEGAL PROVISIONS

28. Applicable Legal Frameworks

This Website seeks to operate consistently with applicable federal and state laws.

Legal frameworks that may be relevant, depending on the Website’s actual activities, include:

Nevada Revised Statutes Chapter 603A

Federal Trade Commission Act — 15 U.S.C. § 45

Addresses unfair or deceptive acts or practices in or affecting commerce.

Investment Advisers Act of 1940 — 15 U.S.C. § 80b-2(a)(11)

Provides the federal statutory definition of an investment adviser.

Federal Trade Commission Endorsement Guides — 16 C.F.R. Part 255

Address endorsements, testimonials, and disclosure of material connections in advertising.

These legal references are provided for transparency and educational context. They do not constitute a legal opinion that every provision applies to every feature of this Website. SECURITY AND PRIVACY OF PERSONAL INFORMATION+3

29. Severability

If any provision of this Privacy Policy or Disclaimer is found to be invalid or unenforceable, the remaining provisions shall remain in effect to the fullest extent permitted by applicable law.

30. No Waiver of Legal Rights

Nothing in this Privacy Policy or Disclaimer is intended to waive any right or remedy that cannot legally be waived or to exclude liability where applicable law prohibits such exclusion.

31. Contact Information

For questions, privacy requests, corrections, or general inquiries concerning this Website, please contact:

Leanthony Stephens
Website: https://leanthony.com
Email: leanthonywebsite@gmail.com

Please do not send sensitive financial information, bank account numbers, passwords, or Social Security numbers through ordinary email.

Thank you for visiting Leanthony.com.

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