• FAQ

    What's the difference between a money mentor/financial coach and a financial planner, and how do I decide which one to hire?

    Most certified financial planners and investment advisors only concentrate on the numbers. They have a comprehensive knowledge of investments, taxes, insurance, and how to create retirement calculations. As a certified life coach and certified financial coach, I combine the practical tools (like budgeting, debt repayment, retirement calculations, etc.) with spiritual concepts (like money is energy) to help you create your overall financial plan as well as shift your thinking from one of scarcity, meaning living paycheck to paycheck, to one of wealth and abundance. I'm also invested in helping you get to YOUR goals, so I can work alongside your fiduciary financial planner or investment advisor to release any money blocks, so you can get to your goals even quicker.

    If I'm in debt and living paycheck to paycheck, how can I spend more money on a money mentor?

    I hear you! Let's do a free financial assessment first to see if you really need a money mentor. Not everyone does! You may just need to get some questions answered. I also believe in investing in yourself and sometimes you need some assistance to get to where you want to be.

    Since you say money is energy, what are some ways you give back?

    I give to different charitable organizations throughout the year, and I am a financial wellness mentor at ImagineLA, a "not-for-profit organization dedicated to ending the cycle of family homelessness and chronic poverty via a supercharged blend of mentoring and social services."

    I don't really care about money and numbers are not my thing. Will this be boring and painful?

    I'm a creative, right-brained type, who isn't great at math and have to use a calculator. I give you creative and spiritual tools to help you understand your money style and how to achieve your goals without using any financial terms or jargon. Check out this entire website and my blog posts to get a feel for how I write and talk. Clients say I make it FUN and empowering!

    What if I don't have the time to commit to doing the work?

    You have to be ready to do the work. If you're here on my website, it means it's probably the right time for you and that you're ready to get some clarity around your personal finances and to set yourself up for success in future goals. I believe that you always make time for what you value or what you think is important. Plus, with coaching, we can work around your schedule. Everything is personalized for you.

    I'm still young. Don't I have time to deal with this later?

    The earlier you get started, the more money you can earn and the quicker you can become financially free! For example, take Brooklyn and Seattle for example. They're 18 years old. Brooklyn's dad gives her $2000 to start an IRA (an individual retirement account), and she contributes every year until 28. Seattle, on the other hand, goes to college, then to grad school. She doesn't start contributing to her retirement account until she's 28. She puts away $2000 every year until she retires at 68. Let's say they're both earning about 10% interest (which is pretty high, but it's easier for me to calculate). Brooklyn only contributed $20,000 in the 10 years. Seattle saved a total of $80,000. When they both retire at 68, Brooklyn has $1,442,631, while Seattle's account has grown to $885,185. Brooklyn's a millionaire, and she only contributed $20,000 for just 10 years! Time is what makes your money grow like crazy, so it's never to early to start! In fact, it's actually much smarter to start early.

    I'm too old. I'm so close to retirement. Will this still help me?

    Absolutely! Besides time, it also matters how much you start with and the rate of return or interest, and you're most likely making more now than you were at 22 or even 32, and getting really clear about your finances and your money story will help you to earn even more. Also, as soon as you just begin to take action on your finances, you still start to feel more empowered to make decisions that will benefit your future.

    What should I do if I'm scared about my finances, looking at my debts and discussing my money stories? 

    It's perfectly normal to feel fear when you want to grow and learn new things. Remember when you first went to college or started a new job? I bet you were nervous and felt fear of the unknown, about whether you'd make friends and if you would succeed. A lot of times, fear comes from the unknown, and the more we dive into our finances, the more our brains calm down and will actually enjoy the process of creating change and growing our accounts and our mentality. Courage isn't the absence of fear. Instead, courage is taking action, despite the fears. Also, I'm here to guide and mentor you every step of the way to release a lot of your fears, so you can learn, grow and have a plan in place so you won't be afraid of looking at your finances.

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    Terms and Conditions
    
    Last updated: May 28, 2018
    
    Please read these Terms and Conditions ("Terms", "Terms and Conditions") carefully before using the http://www.katychenmazzara.com website (the "Service") operated by 168 Media Inc. ("us", "we", or "our").
    
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    Privacy Policy
    Effective date: May 28, 2018
    
    168 Media Inc. ("us", "we", or "our") operates the http://www.katychenmazzara.com website (the "Service").
    
    This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data.
    
    We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible from http://www.katychenmazzara.com
    
    Definitions
    Service
    
    Service is the http://www.katychenmazzara.com website operated by 168 Media Inc.
    
    Personal Data
    
    Personal Data means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).
    
    Usage Data
    
    Usage Data is data collected automatically either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
    
    Cookies
    
    Cookies are small pieces of data stored on your device (computer or mobile device).
    
    Data Controller
    
    Data Controller means the natural or legal person who (either alone or jointly or in common with other persons) determines the purposes for which and the manner in which any personal information are, or are to be, processed.
    
    For the purpose of this Privacy Policy, we are a Data Controller of your Personal Data.
    
    Data Processors (or Service Providers)
    
    Data Processor (or Service Provider) means any natural or legal person who processes the data on behalf of the Data Controller.
    
    We may use the services of various Service Providers in order to process your data more effectively.
    
    Data Subject (or User)
    
    Data Subject is any living individual who is using our Service and is the subject of Personal Data.
    
    Information Collection and Use
    We collect several different types of information for various purposes to provide and improve our Service to you.
    
    Types of Data Collected
    Personal Data
    While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data"). Personally identifiable information may include, but is not limited to:
    
    Email address
    First name and last name
    Cookies and Usage Data
    We may use your Personal Data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or instructions provided in any email we send.
    
    Usage Data
    We may also collect information how the Service is accessed and used ("Usage Data"). This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
    
    Tracking & Cookies Data
    We use cookies and similar tracking technologies to track the activity on our Service and hold certain information.
    
    Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service.
    
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    Examples of Cookies we use:
    
    Session Cookies. We use Session Cookies to operate our Service.
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    Use of Data
    168 Media Inc. uses the collected data for various purposes:
    
    To provide and maintain our Service
    To notify you about changes to our Service
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    To provide customer support
    To gather analysis or valuable information so that we can improve our Service
    To monitor the usage of our Service
    To detect, prevent and address technical issues
    To provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information
    Legal Basis for Processing Personal Data Under General Data Protection Regulation (GDPR)
    If you are from the European Economic Area (EEA), 168 Media Inc. legal basis for collecting and using the personal information described in this Privacy Policy depends on the Personal Data we collect and the specific context in which we collect it.
    
    168 Media Inc. may process your Personal Data because:
    
    We need to perform a contract with you
    You have given us permission to do so
    The processing is in our legitimate interests and it's not overridden by your rights
    For payment processing purposes
    To comply with the law
    Retention of Data
    168 Media Inc. will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.
    
    168 Media Inc. will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer time periods.
    
    Transfer of Data
    Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.
    
    If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to United States and process it there.
    
    Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.
    
    168 Media Inc. will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.
    
    Disclosure of Data
    Legal Requirements
    168 Media Inc. may disclose your Personal Data in the good faith belief that such action is necessary to:
    
    To comply with a legal obligation
    To protect and defend the rights or property of 168 Media Inc.
    To prevent or investigate possible wrongdoing in connection with the Service
    To protect the personal safety of users of the Service or the public
    To protect against legal liability
    Security of Data
    The security of your data is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.
    
    "Do Not Track" Signals
    We do not support Do Not Track ("DNT"). Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked.
    
    You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser.
    
    Your Data Protection Rights Under General Data Protection Regulation (GDPR)
    If you are a resident of the European Economic Area (EEA), you have certain data protection rights. 168 Media Inc. aims to take reasonable steps to allow you to correct, amend, delete, or limit the use of your Personal Data.
    
    If you wish to be informed what Personal Data we hold about you and if you want it to be removed from our systems, please contact us.
    
    In certain circumstances, you have the following data protection rights:
    
    The right to access, update or to delete the information we have on you. Whenever made possible, you can access, update or request deletion of your Personal Data directly within your account settings section. If you are unable to perform these actions yourself, please contact us to assist you.
    
    The right of rectification. You have the right to have your information rectified if that information is inaccurate or incomplete.
    
    The right to object. You have the right to object to our processing of your Personal Data.
    
    The right of restriction. You have the right to request that we restrict the processing of your personal information.
    
    The right to data portability. You have the right to be provided with a copy of the information we have on you in a structured, machine-readable and commonly used format.
    
    The right to withdraw consent. You also have the right to withdraw your consent at any time where 168 Media Inc. relied on your consent to process your personal information.
    
    Please note that we may ask you to verify your identity before responding to such requests.
    
    You have the right to complain to a Data Protection Authority about our collection and use of your Personal Data. For more information, please contact your local data protection authority in the European Economic Area (EEA).
    
    Service Providers
    We may employ third party companies and individuals to facilitate our Service ("Service Providers"), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.
    
    These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
    
    Analytics
    We may use third-party Service Providers to monitor and analyze the use of our Service.
    
    Google Analytics
    
    Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.
    
    You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity.
    
    For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en
    
    Payments
    We may provide paid products and/or services within the Service. In that case, we use third-party services for payment processing (e.g. payment processors).
    
    We will not store or collect your payment card details. That information is provided directly to our third-party payment processors whose use of your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, Mastercard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of payment information.
    
    The payment processors we work with are:
    
    PayPal or Braintree
    
    Their Privacy Policy can be viewed at https://www.paypal.com/webapps/mpp/ua/privacy-full
    
    Links to Other Sites
    Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.
    
    We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.
    
    Children's Privacy
    Our Service does not address anyone under the age of 18 ("Children").
    
    We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.
    
    Changes to This Privacy Policy
    We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.
    
    We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the "effective date" at the top of this Privacy Policy.
    
    You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
    
    Contact Us
    If you have any questions about this Privacy Policy, please contact us:
    
    By visiting this page on our website: http://www.katychenmazzara.com?open=privacy-policy