Last updated: August 2, 2026
"David Joel" and this web site, Payouts Playbook, is committed to lawful, fair, and transparent collection of your data. This policy governs data collection by us and our affiliates (collectively the "Company") when you purchase or use our products, services, software, and website (collectively the "Services"). It was drafted to help you understand the types of information we collect from you, how we use it, as well as how we share, store and protect it. If you do not agree with this policy, you should not use our Services. By accessing or using our Services, you agree to this policy, which may change from time to time to better reflect our practices and applicable laws. Your continued use after we make change(s) is deemed acceptance of those changes.
Our Services are not intended for minors (children under 13 years of age or equivalent depending on jurisdiction, ("Children"), and use of our Services by Children is strictly prohibited. We do not knowingly collect personally identifiable information from Children. If we learn we have collected or received personal information from Children without verification of parental consent, we will delete that information. If you believe we might have any information from or about Children, please contact us.
We collect information if you voluntarily provide it to us. For example, if you sign up for our Services, you might give us your name and email address. You might also give us data when you email us or give us feedback. In addition, you may submit information online through surveys, forms, portals, or other interactive activities on our website, as well as details about transactions you carry out through our website. It is always your choice whether or not to provide personal data. Do not provide personal data unless you are authorized to do so.
We may collect the following information directly from you: information that may be personally identified, such as name, address, e-mail address, and other identifier by which you may be contacted online or offline ("personal information"); information that is about you but individually does not identify you; and/or information about how you interact with our website, such as internet connection or the equipment you use to access the Services.
This policy does not apply to third-party sites that may link to, or be accessible from, our site. We do not control these third parties' tracking technologies or how they may be used. Your interactions with these sites are governed by the third parties' applicable privacy statements. If you have any questions about these sites, you should contact the responsible provider directly.
We may also collect information automatically. As you interact with our website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including: details of your visits to our website and information about your computer and internet connection. The information we collect automatically does not include personal information.
The technologies we use for this automatic data collection may include cookies. You may refuse to accept browser cookies by activating the appropriate setting on your browser, but if you do you may be unable to access certain parts of our website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to us.
We use information that we collect about you or that you provide to us, including personal information to present our Services to you; to provide you with information, products, or services that you request from us; to fulfill any other purpose for which you provide it; to provide you with notices about your purchase, including delivery and support communications; to carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection; to comply with legal obligations; or for any other purpose with your consent.
If you are an EU resident, we will collect and use your personal data only if we have one or more legal bases for doing so under the GDPR. This means we collect and use your personal data only where you have given your consent for one or more specific purposes; it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests; it is necessary to protect the vital interests of you or another natural person; or it is necessary to comply with a legal obligation.
We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.
We may disclose personal information that we collect or you provide as described in this policy to our team members, agents, subsidiaries and affiliates who have a business need to know; to contractors, service providers, and other third parties we use to support our business; to a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of the Company's assets; to fulfill the purpose for which you provide it; for any other purpose disclosed by us when you provide the information; and/or with your consent.
We may also disclose your personal information: to comply with any court order, law, or legal process, including to respond to any government or regulatory request; and/or to enforce or apply our terms of use and other agreements, including for billing and collection purposes.
If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of the Company, our customers, or others.
We may store your personal data in any region or in any country where we or our service providers have facilities. We implement reasonable processes and adhere to best practices in order to protect your Personal Information from accidental loss and from unauthorized access, use, alteration, and disclosure. Unfortunately, the transmission of information via the internet is not completely secure. We will do our best to protect your personal information, but we cannot guarantee the security of your personal information transmitted to our website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the website. We will store your personal data only until it is no longer needed to fulfill the purpose(s) for which it was collected or as required or permitted by law; at that point it will be anonymized, deleted, or isolated.
You can request to access, correct or delete any personal information that you have provided to us by contacting us at hello@payoutsplaybook.com. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.
To ask questions or comment about this privacy policy and our privacy practices, contact us at: hello@payoutsplaybook.com.
These Terms of Use ("Terms") govern your purchase and use of the Payouts Playbook digital products and this website, operated by David Joel ("we," "us"). By purchasing or using our products, you agree to these Terms and to our Privacy Policy above. If you do not agree, do not purchase or use our products.
The Payouts Playbook is a digital informational product consisting of a PDF guide, a payout tracker spreadsheet, and related materials (the "Product"), delivered electronically after purchase. The Product describes third-party bonus and reward programs. We are not affiliated with, endorsed by, or acting on behalf of any program, bank, or company referenced in the Product.
The Product is provided for general informational and educational purposes only. Nothing in the Product or on this website constitutes financial, investment, tax, or legal advice. You are responsible for your own decisions. Consult a qualified professional before making financial decisions.
Any earnings figures, payout amounts, or results referenced on this website or in the Product — including the author's personal results and reader results — are illustrative examples only and are not a guarantee or promise of your results. Individual results vary based on effort, timing, eligibility, and third-party program availability. Many factors are outside our control. You may earn nothing.
The programs described in the Product are operated by third parties. Program terms, eligibility requirements, payout amounts, and availability change without notice and may be discontinued at any time. We do not control these programs and are not responsible for their actions, payment decisions, or terms. Your participation in any program is between you and that program's operator.
The Product is a one-time purchase of $37 USD (or the price displayed at checkout), processed securely by our third-party payment processor. No subscription, recurring charge, or automatic renewal applies to the Product.
If your first payout from following the Product does not cover the purchase price you paid, email us at hello@payoutsplaybook.com within 90 days of purchase and we will refund your purchase in full to your original payment method. Refunds are processed within 10 business days of approval. This is our sole refund policy; because the Product is delivered digitally and immediately, no other refunds are offered except where required by law.
Upon purchase, we grant you a personal, non-exclusive, non-transferable license to use the Product for your own individual use. All content in the Product and on this website is owned by David Joel and protected by copyright. You may not resell, redistribute, share, publish, or create derivative works from the Product without our prior written permission.
The Product and website are provided "as is" and "as available" without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the information in the Product is complete, current, or error-free.
To the maximum extent permitted by law, our total liability to you for any claim arising out of or relating to the Product, the website, or these Terms shall not exceed the amount you paid for the Product. We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost savings, or lost opportunities.
We may update these Terms from time to time. The "Last updated" date above reflects the current version. Your continued use of the Product or website after changes are posted constitutes acceptance of the revised Terms.
These Terms are governed by the laws of the State of Tennessee, without regard to conflict-of-law principles. Any dispute shall be resolved in the state or federal courts located in Hamilton County, Tennessee.
David Joel
PO Box 21505
Chattanooga, TN 37424
Email: hello@payoutsplaybook.com
Site: payoutsplaybook.com
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