Next Dollar Legal

Cookie Policy

Effective date: August 1, 2026

This Cookie Policy explains how Riley Marshall, operating as Next Dollar (“Next Dollar,” “we,” “us,” or “our”), uses cookies and similar technologies on next-dollar.com and within the Next Dollar online school and course platform.

Cookies help us operate the website, keep users signed in, remember preferences, process payments, understand how the website is used, and, when permitted, measure advertising. This policy should be read together with our Privacy Policy and Terms and Conditions.

1. What Are Cookies?

Cookies are small text files stored on a computer, phone, tablet, or other device when someone visits a website. Similar technologies may include pixels, tags, local storage, software development kits, and other tools that store or access information on a device.

Some cookies last only while a browser is open. Others remain for a set period or until they are deleted. Cookies may be placed directly by Next Dollar or by third-party services that support our website.

2. How We Use Cookies

Strictly Necessary

Required for security, account access, checkout, payment processing, navigation, and essential website functions.

Functional

Remember choices and support optional features such as video playback, language settings, and user preferences.

Analytics

Help us understand visits, page use, performance, and course engagement so that we can improve Next Dollar.

Marketing

Help measure advertisements, understand conversions, and provide more relevant advertising when these tools are enabled.

Strictly necessary cookies may be used because they are required for the website to function. Functional, analytics, and marketing cookies are used according to the choices made through our cookie banner or cookie manager where consent is required.

3. Cookies and Services We Use

The following tables describe the main cookies and services that may be used on Next Dollar. A cookie name may include additional letters, numbers, or an account or container identifier. Expiration periods can also vary based on browser settings, provider changes, consent choices, and how the service is configured.

Strictly Necessary Cookies

Cookie or Service	Provider	Purpose	Typical Duration
XSRF-TOKEN	LearnWorlds / Next Dollar	Supports website security and helps protect forms and account requests from unauthorized activity.	Browser session
DPSettings	LearnWorlds / Next Dollar	Stores the visitor’s cookie and privacy preferences.	Approximately 12 days
slim_session	LearnWorlds / Next Dollar	Maintains login status and other necessary account-session information.	Approximately 2.5 days
affiliate	LearnWorlds / Next Dollar	May record a referral source when a visitor arrives through an authorized affiliate or referral link.	Depends on referral settings
__stripe_sid, __stripe_mid, and related payment cookies	Stripe	Help prevent fraud, recognize a browser, and securely process course purchases and payment transactions.	Session to approximately 1 year
cf_clearance and related security cookies	Cloudflare	Help protect the website from malicious traffic, automated abuse, and security threats.	Varies

Functional and Media Cookies

Cookie or Service	Provider	Purpose	Typical Duration
player, vuid, and related media cookies	Vimeo	Support video playback, remember video-player settings, and measure video performance when Vimeo-hosted content is displayed.	Session to approximately 2 years

Analytics Cookies

Cookie or Service	Provider	Purpose	Typical Duration
_ga	Google Analytics	Distinguishes visitors and helps generate statistical information about how the website is used.	Up to 2 years
_ga_<container-id>	Google Analytics	Maintains session information for a specific Google Analytics 4 property.	Up to 2 years

Advertising and Marketing Cookies

Cookie or Service	Provider	Purpose	Typical Duration
_fbp	Meta	Identifies a browser for advertising measurement, conversion reporting, and website analytics when the Meta Pixel is enabled.	Approximately 90 days
_fbc	Meta	May store information connected with a visit that originated from a Meta advertisement.	Approximately 90 days
fr and related Meta cookies	Meta	May be used by Meta to deliver, measure, and improve advertising and to help determine whether an advertisement led to a visit or purchase.	Typically up to 90 days
_gcl_au and related Google advertising cookies	Google Ads	Help measure advertisement performance, attribute conversions, and understand whether an advertisement led to a visit or purchase.	Varies by configuration

Important: The exact cookies present depend on which pages are visited, whether a person is signed in, whether a payment is made, the cookie choices selected, and which Next Dollar features are active. Third-party providers may update their cookie names and retention periods.

4. Consent and Cookie Choices

When required, visitors are shown a cookie banner before nonessential cookies are activated. Visitors may accept cookies, reject nonessential cookies, or choose categories through the available cookie controls.

Strictly necessary cookies cannot generally be disabled through our cookie manager because the website, user accounts, security systems, or checkout may not function properly without them.

Cookie preferences can be changed through the cookie settings made available on the website. Cookies can also be deleted or blocked through browser settings. Blocking cookies may cause parts of the website, course, checkout, videos, or account area to stop working correctly.

5. Advertising and U.S. Privacy Choices

Next Dollar does not sell personal information for money. However, the use of some advertising cookies or pixels may be considered “sharing,” “targeted advertising,” or a similar activity under certain United States privacy laws.

Visitors can opt out of nonessential marketing cookies through our cookie controls. A person may also contact us at hello@next-dollar.com with a privacy request.

6. Third-Party Providers

Third-party services process information under their own terms and privacy policies. Depending on the features used, these providers may include:

LearnWorlds for course hosting, accounts, website functions, and learning delivery.
Stripe for payment processing, checkout security, and fraud prevention.
Google for analytics, conversion measurement, and advertising services.
Meta for advertising measurement and conversion tracking.
Cloudflare for website security and network protection.
Vimeo when Vimeo-hosted videos or media services are used.

7. Children and Teen Users

Next Dollar is designed primarily for teenagers age 13 and older and for parents or guardians helping teens prepare for financial independence. Children under 13 may not create their own Next Dollar account.

A parent or legal guardian should purchase, authorize, or supervise use of the course for a minor. If we learn that personal information was collected from a child under 13 without appropriate parental involvement, we will take reasonable steps to review and delete that information.

8. Changes to This Cookie Policy

We may update this Cookie Policy when our website, course platform, integrations, advertising tools, or legal obligations change. The updated policy will be posted on this page with a revised effective date.

9. Contact Us

Questions about cookies or privacy?

Next Dollar is operated by Riley Marshall in the United States.

Email: hello@next-dollar.com

Website: next-dollar.com

This website next-dollar.com uses Cookies and similar technologies in order to distinguish you from other users. By using Cookies, We are able to provide you with a better experience and to improve Our Site by better understanding how you use it. Please read this Cookie Policy carefully and ensure that you understand it. Your acceptance of Our Cookie Policy is deemed to occur when you press the “accept” button on Our Cookie banner or when you have selected your preferred Cookie options in Our Cookie manager and pressed the “Continue” button. If you do not agree to Our Cookie Policy, please stop using Our Site immediately.

In this Cookie Policy, unless the context otherwise requires, the following expressions have the following meanings:

Cookie: means a small file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site;

Cookie Law: means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003 and of EU Regulation 2016/679 General Data Protection Regulation (“GDPR”);

Personal data: means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data, as defined by EU Regulation 2016/679 General Data Protection Regulation (“GDPR”); and

We/Us/Our: means “Our Website/School/Company”, the brand owned and operated by Company name or Person.

3.1 Our Site may place and access certain first-party Cookies on your computer or device. First party Cookies are those placed directly by Us and are used only by Us. We use Cookies to facilitate and improve your experience of Our Site and services. We have carefully chosen these Cookies and have taken steps to ensure that your privacy and personal data is protected and respected at all times.
3.2 By using Our Site, you may also receive certain third-party Cookies on your computer or device. Third-party Cookies are those placed by websites, services, and/or parties other than Us. Third-party Cookies are used on Our Site for analytics and for marketing purposes. For more details, please refer to section 4 below.
3.3 All Cookies used by and on Our Site are used in accordance with current Cookie Law. We may use some or all of the following types of Cookie:

3.3.1 Strictly Necessary Cookies
A Cookie falls into this category (usually first-party cookies) if it is essential to the operation of Our Site as without them we cannot provide the functionality that you need to use this website. For example, essential cookies help remember your preferences as you navigate through the online school, also support functions such as logging in, and payment transactions.
3.3.2 Functionality Cookies
Functional Cookies allow our web site to remember choices you make, e.g. your user name, log in details and language preferences and any customizations you make to pages during your visit. They are necessary to provide features and services specific to individual users.
3.3.3 Analytics Cookies
It is important for Us to understand how you use Our Site, for example, how efficiently you are able to navigate around it, and what features you use. Analytics Cookies enable us to gather this information, helping Us to improve Our Site and your experience of it.
3.3.4 Marketing/Targeting Cookies
It is important for Us to know when and how often you visit Our Site, and which parts of it you have used (including which pages you have visited and which links you have visited). As with analytics Cookies, this information helps us to better understand you and, in turn, to make Our Site and advertising more relevant to your interests. Some information gathered by targeting Cookies may also be shared with third parties.
3.3.5 Third Party Cookies
Third-party Cookies are not placed by Us; instead, they are placed by third parties that provide services to Us and/or to you. Third-party Cookies may be used by advertising services to serve up tailored advertising to you on Our Site, or by third parties providing analytics services to Us (these Cookies will work in the same way as analytics Cookies described above).
3.3.6 Persistent Cookies
Any of the above types of Cookie may be a persistent Cookie. Persistent Cookies are those which remain on your computer or device for a predetermined period and are activated each time you visit Our Site.
3.3.7 Session Cookies
Any of the above types of Cookie may be a session Cookie. Session Cookies are temporary and only remain on your computer or device from the point at which you visit Our Site until you close your browser. Session Cookies are deleted when you close your browser.

Name of Cookie	Purpose	Strictly Necessary	Expires
XSRF-TOKEN	Preserves User Login information and states	Yes	When you close your browser
DPSettings	Preserves the user's Cookie policy preferences	Yes	12 days
slim_session	Preserves User Login information and states	Yes	2.5 days
affiliate	Tracks purchases made through affiliate links to ensure proper credit is given to the affiliate partner.	No	Depends on your affiliate cookie settings

Name of Cookie	Provider	Purpose	Expires
__stripe_sid	checkout.stripe.com	Used to process payments for our website.	30 minutes
__stripe_mid	checkout.stripe.com	Used to distinguish users.	1 year
cid	checkout.stripe.com	Used to process payments for our website.	3 months
vuid	vimeo.com	These cookies are used by Vimeo to collect analytics tracking information.	3 years
player	player.vimeo.com	These cookies are used by Vimeo to collect analytics tracking information.	1 year
cf_clearance	www.cloudflare.com	Used by clouflare to specify the duration that our website is accessible to a visitor that successfully completed a previous Captcha or challenge.	4 hours

Name of Cookie	Provider	Purpose	Expires
hblid	next-dollar.com	a visitor identifier that we use only on your site to remember this visitor between visits	2 years
wcsid	next-dollar.com	a session identifier that we use only on your site to keep track of a single chat session	When you close your browser
olfsk	next-dollar.com	storage identifier that we use to maintain chat state across pages (e.g. message history)	2 years
_okbk	next-dollar.com	extra state information (e.g. chat box being open/closed)	When you close your browser
_ok	next-dollar.com	most recent Olark site ID (security measure)	When you close your browser
_oklv	next-dollar.com	the Olark loader version (for improved caching)	When you close your browser
_okla	next-dollar.com	used for caching purposes (loaded from CDN vs. loaded from our infrastructure)	When you close your browser
_okgid	next-dollar.com	used for caching by setting a hash for assets to determine if they have changed and if they need to be refreshed	When you close your browser
_okac	next-dollar.com	used for caching by setting a hash for assets to determine if they have changed and if they need to be refreshed	When you close your browser
_okdetect	next-dollar.com	Used for detecting when storage contexts have changed due to things like ssl or host transitions (helps maintain your chat across pages).	When you close your browser
_okck	next-dollar.com	Used to test whether the visitor's browser allows cookies to be stored.	When you close your browser

Name of Cookie	Provider	Purpose	Expires
tawk_uuid_	next-dollar.com	HTTP cookie
twk_idm_key	next-dollar.com	Visitor connection management	Session
twk_token_	next-dollar.com	HTML local storage
tawk_uuid_propertyId	next-dollar.com	Visitor tracking	6 months
tawkUUID (deprecated)	next-dollar.com	Visitor tracking	6 months
__tawkuuid (deprecated)	next-dollar.com	Visitor tracking	6 months
ss (deprecated)	next-dollar.com	Visitor session management	Session
TawkConnectionTime	next-dollar.com	Manages visitor connection	Session
Tawk_xxxxxxx (deprecated)	next-dollar.com	Visitor preference	6 months

Name of Cookie	Provider	Purpose	Expires
pubsub_cookie	next-dollar.com	This cookie is used for the freshchat service	When you close your browser
hop-	next-dollar.com	This cookie is used for the freshchat service	When you close your browser
	next-dollar.com	This cookie is used for the freshchat service	When you close your browser
_	next-dollar.com	This cookie is used for the freshchat service	1 year
pnctest	next-dollar.com	This cookie is used for the freshchat service	1 year

Name of Cookie	Provider	Purpose	Expires
ZD-zE_oauth	next-dollar.com	Stores the authentication token once the user has been authenticated.	2 hours
ZD-currentTime	next-dollar.com	Sets the time when page loads.	Forever
ZD-settings	next-dollar.com	Stores a hash of settings so that we don't keep sending blips after the initial one	Forever
ZD-suid	next-dollar.com	Session id for pathfinder.	20 minutes
ZD-buid	next-dollar.com	Collects Machine ID.	Forever
_answer_bot_service_session	next-dollar.com	Used to uniquely identify a user session when using Answer Bot Article Recommendations.	When you close your browser

Name of Cookie	Provider	Purpose	Expires
intercom-id-[app_id]	next-dollar.com	Anonymous visitor identifier cookie. As people visit your site they get this cookie.	9 months
intercom-session-[app_id]	next-dollar.com	Identifier for each unique browser session. This session cookie is refreshed on each successful logged-in ping, extending it one week from that moment. The user can access their conversations and have data communicated on logged-out pages for 1 week, as long as the session isn’t intentionally terminated with Intercom('shutdown');, which usually happens on logout.	1 week
intercom-device-id-[app_id]	next-dollar.com	Identifier for each unique device that interacts with the Messenger. It is refreshed on each successful ping, extending it another 9 months. We use this cookie to determine the unique devices interacting with the Intercom Messenger to prevent abuse.	9 months

4.4 Our Site uses analytics services provided by your analytics services, if any. Website analytics refers to a set of tools used to collect and analyse anonymous usage information, enabling us to better understand how Our Site is used. This, in turn, enables us to improve Our Site and the products and services offered through them.
4.5 The analytics services used by Our Site use Cookies to gather the required information. You do not have to allow us to use these Cookies, however, whilst our use of them does not pose any risk to your privacy or your safe use of Our Site, it does enable us to continually improve Our Site, making it a better and more useful experience for you.
4.6 The analytics services used by Our Site uses the following Cookies (remove cookies not exploited in your school):

Name of Cookie	Provider	Purpose	Expires
_ga	next-dollar.com	Google Analytics: Registers a unique ID that is used to generate statistical data on how the visitor uses the website.	2 years
_gat	next-dollar.com	Google Analytics: Used by Google Analytics to throttle the request rate.	When you close your browser
_gid	next-dollar.com	Google Analytics: Registers a unique ID that is used to generate statistical data on how the visitor uses the website.	When you close your browser
_ga_container-id	next-dollar.com	Used to persist session state.	2 years

Name of Cookie	Provider	Purpose	Expires
__smToken	next-dollar.com	The __smToken is set once you login to Sumo and is checked to verify whether you are logged into Sumo or not	1 year
__smSmartbarShown	next-dollar.com	cookie is set when the Smart Bars are shown on your website	1 year
__smVID	next-dollar.com	Used to display relevant advertising	1 month
__smSessionId	next-dollar.com	Used by Sumo to establish a cookie on a users computer to begin a session to enable Sumo products	When you close your browser
__smListBuilderShown	next-dollar.com	cookie is set when the List Builder is shown on your website	1 year
__smScrollBoxShown	next-dollar.com	cookie is set when the Scroll box is shown on your website	1 year
__smWelcomeMatShown	next-dollar.com	Cookie is set when the Welcome mat is shown on your website	1 year
__smListBuilderOptOut	next-dollar.com	Is set when a visitor clicks an "Opt-Out" button on the List Builder	1 year
__smSmartBarOptOut	next-dollar.com	Is set when a visitor clicks an "Opt-Out" button on Smart bars	1 year
__smScrollBoxOptOut	next-dollar.com	Is set when a visitor clicks an "Opt-Out" button on Scroll box	1 year
__smWelcomeMatOptOut	next-dollar.com	Is set when a visitor clicks an "Opt-Out" button on welcome mat	1 year
__smSubscribed	next-dollar.com	Is set when a visitor subscribes via any of the List Builder, Welcome Mat, Scroll Box or Smart Bars they are shown on your website	1 year

4.7 Targeting/Marketing cookies
Targeting/Marketing cookies are used to track visitors across websites. They may be used by those companies to build a profile of your interests and show you relevant adverts on other sites. They do not store directly personal information but are based on uniquely identifying your browser and internet device. The intention is to display ads that are relevant and engaging for the individual user and thereby more valuable for publishers and third-party advertisers. If you do not allow these cookies, you will experience less targeted advertising (remove cookies not exploited in your school):

Name of Cookie	Provider	Purpose	Expires
_fbp	next-dollar.com	Identifies browsers for advertising and site analytics services	90 days
fr	facebook.com	Delivers advertisement products such as real-time bidding from third-party advertisers	90 days
datr	facebook.com	Identifies the web browser used to connect to Facebook; enhances security and site integrity	2 years
c_user	facebook.com	Contains the user ID of the currently logged-in user	1 year<
xs	facebook.com	Contains session number and secret number for security	Varies, tied to session
sb	facebook.com	Helps improve friend suggestions	2 years
oo	facebook.com	Opt-out of Facebook showing ads based on activity on third-party websites	5 years
presence	facebook.com	Contains user's chat state (e.g., which chat tabs are open)	End of session

Name of Cookie	Provider	Purpose	Expires
__hstc	next-dollar.com	The main cookie for tracking visitors. It contains the domain, utk (see below), initial timestamp (first visit), last timestamp (last visit), current timestamp (this visit), and session number (increments for each subsequent session).	6 months
hubspotutk	next-dollar.com	This cookie is used for to keep track of a visitor's identity. This cookie is passed to HubSpot on form submission and used when de-duplicating contacts.	6 months
__hssc	next-dollar.com	This cookie keeps track of sessions. This is used to determine if we should increment the session number and timestamps in the __hstc cookie. It contains the domain, viewCount (increments each pageView in a session), and session start timestamp.	30 min
__hssrc	next-dollar.com	Whenever HubSpot changes the session cookie, this cookie is also set. We set it to 1 and use it to determine if the visitor has restarted their browser. If this cookie does not exist when we manage cookies, we assume it is a new session.	session
messagesUtk	next-dollar.com	This cookie is used to recognize visitors who chat with you via the messages tool. If the visitor leaves your site before they're added as a contact, they will have this cookie associated with their browser. If you have a history of chatting with a visitor and they return to your site later in the same cookied browser, the messages tool will load your conversation history with that visitor.	6 months

(Keep section 5.1 and 5.2 if you are using our cookie opt-in mechanism from School Privacy settings.)

5.1 Before Cookies are placed on your computer or device, you will be shown a banner requesting your consent to set those Cookies. By giving your consent to the placing of Cookies you are enabling Us to provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of Cookies unless those Cookies are strictly necessary; however certain features of Our Site may not function fully or as intended. You will be given the opportunity to allow and/or deny different categories of Cookie that We use.
5.2 In addition to the controls that We provide, you can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all Cookies or only third-party Cookies. By default, most internet browsers accept Cookies but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device.
5.3 The links below provide instructions on how to control Cookies in all mainstream browsers:

Contact: hello@next-dollar.com

Created with

Name of Cookie	Provider	Purpose	Expires
ci_session	refersion.com	Preserves users states across page requests.	When you close your browser
refersion_csrf_code	refersion.com	Sets csrf token to prevent cross site request forgery.	When you close your browser
__cfduid	refersion.com	Used by the content network, Cloudflare, to identify trusted web traffic.	1 year

Cookie policy

1. Definitions and Interpretation

2. Information About Us

3. How Does Our Site Use Cookies?

4. What Cookies Does Our Site Use?

5. Consent and Control

6. Changes to this Cookie Policy

7. Further Information