Last updated: March 17, 2026
Welcome to PT Radio. This Privacy Policy describes how League Of Our Own LLC, DBA - PT Radio, LLC ("Company", "we", "us", or "our") collects, uses, and protects your personal information when you use our website and services at peoplestalkradio.com.
Information We Collect
When you register for an account or use our services, we may collect the following information:
- Account information: username, email address, password, and date of birth
- Billing information: full name, address, state, zip code, telephone number, and payment method details (processed securely through Authorize.net)
- Profile information: any additional information you choose to add to your forum profile
- Usage data: IP address, browser type, pages visited, and timestamps of activity
- Content you create: forum posts, private messages, comments, and other contributions
How We Use Your Information
We use the information we collect for the following purposes:
- Account management: to create and maintain your account, process subscriptions, and authenticate your identity
- Transactional emails: to send account activation confirmations, password reset requests, subscription billing notifications, and payment receipts
- Service notifications: to notify you of private messages received, replies to threads you are subscribed to, and other forum activity you have opted into
- Site operation: to moderate content, prevent spam, and maintain the security of our platform
- Customer support: to respond to your inquiries and provide assistance
Email Communications
By creating an account on our site, you consent to receiving transactional emails related to your account and subscription. These include:
- Account activation and verification emails
- Password reset emails
- Subscription renewal and billing notifications
- Private message notifications (can be disabled in your account settings)
- Thread and forum subscription notifications (can be managed in your account settings)
You can manage your email notification preferences at any time through your User Control Panel under "Edit Options". We do not send marketing or promotional emails.
Third-Party Service Providers
We use the following third-party services to operate our platform:
- Postmark (by ActiveCampaign): for email delivery of transactional messages
- Authorize.net: for secure payment processing of subscription fees
- Google reCAPTCHA: for spam prevention during registration (subject to Google's Privacy Policy)
- Cloudflare: for content delivery, security, and performance optimization
These providers process data only as necessary to perform their services and are bound by their own privacy policies. We do not sell, trade, or otherwise transfer your personal information to outside parties for marketing purposes.
Cookies
We use cookies to:
- Keep you logged into your account
- Remember your preferences and settings
- Track site performance and usage patterns
Data Retention
We retain your personal information for as long as your account is active or as needed to provide you with our services. If you wish to delete your account and associated data, please contact us at [email protected].
Data Security
We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Payment information is processed securely through Authorize.net and is not stored on our servers.
Your Rights
You have the right to:
- Access the personal information we hold about you
- Request correction of inaccurate information
- Request deletion of your account and personal data
- Manage your email notification preferences through your account settings
- Opt out of non-essential communications
To exercise any of these rights, contact us at [email protected].
Children's Privacy
Our Service is not intended for anyone under the age of 18. We do not knowingly collect personal information from anyone under 18 years of age. If we become aware that we have collected personal data from a minor, we will take steps to remove that information.
GDPR Compliance (EU Users)
If you are located in the European Union, you have additional rights under the General Data Protection Regulation (GDPR), including the right to data portability and the right to lodge a complaint with a supervisory authority. Our legal basis for processing your data is your consent (provided at registration) and the performance of a contract (your subscription agreement).
Policies and Procedures
MEMBERSHIP FEES
1. Membership cost is $25 auto-recurring each month on date of enrollment
2. Membership cost is $70 for 3 months auto-recurring every 3 months on date of enrollment
CANCELLATIONS
1. Must notify in writing 7 days prior to next billing. You will retain access to Membership until next billing date
2. THERE ARE NO REFUNDS
Editorial Guidelines
Our team follows these guidelines to maintain content integrity and professionalism:
1. Accuracy
- Our proprietary Intel is fact-checked and supported by credible sources.
- We do try and provide references and provide citations where necessary.
- Corrections will be issued promptly for any errors.
2. Objectivity
- All articles must maintain a neutral tone and avoid bias.
- Opinions or analyses must be clearly labeled as such and based on verifiable information.
- Writers must avoid conflicts of interest and disclose any affiliations.
3. Relevance
- Content must be related to banking, finance, currency markets, and related financial technology.
- We prioritize timely and current information but may also include historical context for educational purposes.
Content Submission Guidelines
4. Guest Posts
- Guest posts are welcomed but must align with our niche of banking, finance, and currency.
- Posts should be original, and not previously published elsewhere.
- We reserve the right to edit submissions for clarity, length, and style.
5. Sponsored Content
- Sponsored content will be clearly labeled as such to distinguish it from editorial pieces.
- All sponsored content must still comply with our editorial guidelines for accuracy and relevance.
Ethical Considerations
6. Plagiarism
- Plagiarism is strictly prohibited. All content must be original or properly attributed.
- Violations of this policy will result in immediate removal of the content and potential banning of the contributor.
7. Confidentiality
- We respect the privacy of sources, and anonymous tips will be handled with discretion.
- We do not disclose private financial or personal information unless legally required or agreed upon by the source.
8. Conflicts of Interest
- Contributors must disclose any relationships or financial interests in companies, banks, or currencies they cover.
- Editorial independence will always be maintained, regardless of such interests.
Comments and Community Interaction
9. Moderation Policy
- Comments will be moderated to maintain a respectful and constructive environment.
- Spam, offensive language, and inappropriate content will be removed, and repeat offenders may be banned.
- We encourage readers to engage with our content through comments, shares, and feedback.
- Constructive criticism is welcomed, and we strive to improve based on community feedback.
Legal Compliance
10. Copyright
- All content published on our site is protected under copyright laws. Unauthorized reproduction is prohibited.
- When republishing or referencing our content, proper attribution is required.
11. Liability
- While we strive to ensure the accuracy of our content, we are not liable for any financial decisions made based on information from our site.
- Readers should seek professional financial advice before making investment decisions.
12. Compliance with Regulations
- We comply with applicable financial and news publishing regulations, including GDPR and financial disclosure requirements.
- Contributors must ensure that any specific industry or regulatory requirements related to their content are met.
Reporting Violations
Readers can report policy violations, content concerns, privacy inquiries, or ethical breaches by contacting us at:
League Of Our Own LLC, DBA - PT Radio, LLC
2280 Grass Valley Highway, Suite 256
Auburn, CA 95630
Phone: (530) 367-3625
Email: [email protected]
We take all concerns seriously and will investigate them promptly.
Updates to This Policy
We reserve the right to update this Privacy Policy and our policies and procedures at any time. Updates will be posted on this page with a revised "Last updated" date, and users are encouraged to review it periodically.