By visiting, you are consenting to our Privacy Policy (“Policy”). This Policy applies to all users and visitors (“User”, “You”, “Your”) of this website (“Site”). Ohan The Money Doctor and Ohan Kayikchyan, Ph.D., CFP® (“We,” “Our,” “Us”) are committed to protecting and respecting Your privacy online. We are providing this Policy so that you can better understand how we collect, use, store and share any data from our users.


The term “Personal Information” is information that You voluntarily provide to Us. This inforamtion personally identifies You and/or Your contact information, such as Your name, and email address.

We may collect personal information from You in different ways, including, but not limited to visiting our Site, subscribing to Our newsletter, contacting Us and in connection with other activities and services available on Our Site. You have the right to refuse to provide personal information except that it might prevent You from engaging in certain activities available on the Site.

We may use the personal Information You provided to contact You, to send You information about Our services and/or the services/resources of the third parties which We think would interest You.

In case You contact Us by email, messaging/communication platforms, or through Our social media channels, we may collect and save Your Personal iInformation and any other data You provide. If you use a third-party platform to submit Your information, it will also be subject to the privacy policies and other agreements of that third party regarding the collection, usage and sharing of Your data. We do not sell or share Your personal information with the third-parties for their marketing use without Your consent. 

We may also ask You to provide feedback, fill out a survey or participate in a promotion via our Site or a third-party platform. In case You take part in these activities, We will collect and store the Personal Information and any data You provide Us. 


We may ask for Your personal testimonials, customer review or a case study about You/Your results and make it publicly available on Our Site only if we have Your consent and permission to do so and use that information You provided Us. You have the right to request the removal of Your testimonial, customer review or case study. You can do so by contacting us at [email protected]  


Our Site, the products and the services available through it are not intended for minors. We do not knowingly collect, use or share personal information from minors. If You are a parent or guardian and You are aware that Your child has provided Us with personal information, please contact Us here with sufficient detail to enable Us to delete that information. If We become aware that a minor provided Us with personally identifiable information, We take steps to remove that information from Our records. 


We may collect and use Your Personal Information for the following purposes:

  • to respond to Your comments, questions, and requests 
  • to provide You with requested customer support 
  • to improve Our customer service 
  • to improve content, services, communications, or features that match Your interests and needs
  • to contact You with information regarding the use of this Site
  • to improve Our marketing services


We will retain Your Personal Information only for as long as it is necessary for providing You with information and/or updates from Our Site, services, products, newsletter and for other legitimate business purposes. We will retain Your Personal Information if necessary to comply with applicable laws.


You may choose to be removed from our mailing list and not to receive Our newsletter or any future emails from Us, by following the unsubscribe link at the bottom of any email We send or by contacting Us at [email protected].


We may collect and record information about Your use of the Site, which may include the pages You visit and view, the searches You do, Your browser name, type and version, computer type, Your Device's Internet Protocol address (e.g. IP address), requested URL, referring URL, operating system and the Internet service providers, the date and time of Your visit and other diagnostic data about the purpose of using our Site.

When You access Our Site by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use and other diagnostic data. The information We receive may depend on the settings of Your device and browser.


Our site may use cookies to identify Your browser, track Your activity, improve the quality of Our services and enhance User experience. "Cookies" are small files that are placed on Your computer, mobile device or any other device by the Site while You are viewing it. Cookies contain the details of Your browsing history on the Site among its many uses. You can set up Your browser to refuse all Cookies or to indicate when Cookies are being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Site. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies. 

We may use both "Persistent" or "Session" Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser.


Certain sections of Our Site and Our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit Us, for example, to count users who have visited those pages or opened an email and for other related website statistics.


We are utilizing third party advertising services based on information We collected and the information the advertisers know. Depending on Your interests the ads may be customized on your activities over the time and across different sites and services to improve and analyze their effectiveness. For this reason third party advertisers may use “cookies”, as well as web beacons to collect and track information. Neither We have control over nor do We have access to the third party advertisers “cookies” or similar tracking technology they may use and We are not addressing them in Our Policy. 


The security of Your Personal information is important to Us. We undertake security measures and will do Our best to protect against unauthorized access, alteration, misuse, disclosure or destruction of Your Personal Information. However, no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to protect Your Personal Information shared with Us through our Site, We cannot guarantee its absolute security. Hence, You acknowledge that any information transmitted to Us through Our Site is at Your own risk. 


"Do Not Track (DNT)” is a concept that has been promoted by US regulatory authorities, in particular the U.S. Federal Trade Commission (FTC), for the Internet industry to develop and implement a mechanism for allowing internet users to control the tracking of their online activities across websites. According to the "Do Not Track" Policy required by California Online Privacy Protection Act (CalOPPA) we need to inform you how We respond to web browser Do Not Track (DNT) signals.

If you are a resident of California, You have the right to request certain data regarding what personal information We share with third parties for their direct marketing purposes. Since no industry standard has been adopted, as of this moment our Site does not respond to Do Not Track signals. 

However, some third party websites do keep track of Your browsing activities. If You are visiting such websites, You can set Your preferences in Your web browser to inform websites that You do not want to be tracked. You can enable or disable DNT by visiting the preferences or settings page of Your web browser.


We may update Our Privacy Policy from time to time and We reserve the right to do so without notice. You are advised to review this Privacy Policy periodically to be aware of any modifications and updates. Changes to this Privacy Policy are effective when they are posted on this page.


If You have any questions about this Privacy Policy, You can contact Us by sending an email at [email protected].


By visiting, You are accepting Our Privacy Policy. If You do not agree to this policy, please do not use Our Site.