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Privacy Policy

Effective Date: April 10, 2021

Thank you for using this website (Yongming Universe) and service, which is owned and operated by DollarWalk, Inc. (“Yongming Universe”, “,” “we,” “us,” and “our”) owns and operates this website (this “Site”). This Online Privacy Policy (this “Policy”) describes the information we collect from or about you through the YongmingU-owned websites and mobile apps on which it is posted (collectively referred to as this "site"). It also describes how we use and share that information and some of the steps we take to protect your privacy. 

Scope of This Policy collects certain information about or related to you through this Site. Some of the information collects may be “personal information”—information that identifies you personally, alone or in combination with other information available to us. Other information may be non-personally identifiable, such as your IP address. has provided this Policy so that you will know what information collects, how uses this information, the types of third parties with which may share this information, and some of the choices that are available to you. 

This Policy may be supplemented or amended from time to time by additional privacy notices (“Privacy Notices”), provided at the time we collect your information. For example, certain pages of this Site may contain Privacy Notices providing more details about the information we collect on those particular pages, why we need that information, and choices you may have about the ways we use that information. In other cases, specific Privacy Notices may be required to comply with the privacy laws of one of the countries, provinces, or states in which we do business. 

Your Consent

By using this Site and subscribing to any of our classes, subscriptions, or other offerings, you are consenting to the collection, use, disclosure, and transfer of your information as described in this Policy (and any Privacy Notices that apply to you). If you do not consent to the collection, use, disclosure and transfer of your information as described in this Policy (and any Privacy Notices that apply to you), you may not use this Site or any of our classes, subscriptions, or other offerings. If you have questions about this Policy, or any Privacy Notice, please contact us via e-mail at

Our Terms of Use

This Policy is part of the Terms of Use that govern your use of this Site. A link to our Terms of Use is provided at the bottom of each page of this Site. 

Your Choices

In General. We respect your right to make choices about the ways we collect, use, and disclose your information. This Policy describes some of your choices, such as your choice to opt out of receiving “cookies” and to opt out of having your information shared with third parties for their own marketing purposes. In addition, and as required by applicable law, you can opt out of receiving promotional emails from us by clicking on the “unsubscribe” link at the bottom of each promotional email. 

We may ask you to indicate your choices at the time and on the page where you provide your information. In other situations, and consistent with this Site’s purpose as a networking and education platform, we make certain assumptions about how you want your information shared with others. You can contact us at if you have previously agreed to us using your personal information for direct marketing purposes and wish to change this. 

Do Not Track Mechanisms. California law requires this policy to address how the Service responds to any “Do-Not-Track (“DNT”) signal” delivered by your browser. Because of the changing state of technology and indecision within the industry regarding the meaning of DNT signals, we currently do not make any guarantee that we will honor DNT signals.

This Policy May Change reserves the right to update or modify this Policy and any Privacy Notice, at any time and without prior notice, by posting the revised version of the Policy or Privacy Notice on this Site. These changes will only apply to the information we collect after we have posted the revised Policy or Privacy Notice on this Site. 

Your use of this Site following any such change constitutes your agreement that all information collected from or about you after the revised Policy is posted will be subject to the terms of the revised Policy. You may access the current version of this Policy at any time by clicking on the link marked “Privacy” at the bottom of each page of the public areas of this Site. 

Information We Collect

Information You Manually Provide. collects the information you manually provide (using your keyboard, mouse, or touchpad) when you use this Site. For example, we collect the information you provide when you contact us with questions, register with the Site, sign up for any of our classes or subscriptions, purchase any product or service, create a profile, participate in a forum discussion, or otherwise interact with this Site. Some of the information you manually provide may be personal information, such as your name and contact information. 

Information From Third-Party Social Media Platforms. You may be able to register with, log on to, or enhance your profile on this Site by choosing to automatically populate the requested data fields with information you previously provided to a third-party social media platform (such as Google, Facebook, or Twitter). By doing this, you are asking the third-party platform to send us information, including personal information, from your profile on that platform. We treat that information as we do any other information you give to us when you register, log on, or enhance your profile. 

Information from your browser or device. collects information that is sent to us automatically by your web browser or mobile device. This information typically includes your IP address, the name of your operating system, the name and version of your browser, the date and time of your visit, and the pages you visit. The information we receive may depend on your browser or device settings. 

The information we receive from your web browser and device is not, in and of itself, personally identifiable. Generally, we use this information in the aggregate to help us improve this Site and make it more compatible with the technology used by our visitors. However, we may combine it with other information in an attempt to identify you or we may combine it with information that does identify you. We may also review our server logs for security purposes—for example, to detect intrusions into our network—and we might share our server logs, which contain visitors’ IP addresses, with the appropriate investigative authorities who could use that information to trace and identify you. 

Your Location. Using GPS technology, and with your opt-in consent, we may, but do not currently, also collect precise, real-time location information from your mobile device and use that information to deliver tailored content through this Site. We may also share information about your location with your friends and other contacts, to the extent you interact with them using the social networking tools available on this Site. 

Your mobile device may allow you to adjust your settings so that location information is not available to any mobile website or application. If you have questions about the security and privacy settings of your mobile or tablet device, please refer to instructions from your mobile service provider or the manufacturer of your device. 

The information we receive from your mobile device is not personally identifiable, but we may link it to information that identifies you. 

Information Collected by Cookies and Other Technologies. We use “cookies” and other technologies to collect information and support certain features of this Site. For example, we may use these technologies to: 

  • collect information about the ways visitors use this Site—which pages they visit, which links they use, and how long they stay on each page; 

  • support the features and functionality of this Site—for example, to save you the trouble of reentering information already in our database or to prompt the settings you established on previous visits; 

  • personalize your experience when you use this Site; and 

  • improve our marketing efforts, including through use of targeted advertising. 

The information we collect using cookies and similar technologies is not, in and of itself, personally identifiable, but we may link it to personal information that you provide. If you do not wish to receive cookies, you may set your browser to reject cookies or to alert you when a cookie is placed on your computer. Although you are not required to accept cookies when you visit this Site, you may be unable to use all of the functionality of this Site if your browser rejects our cookies. 

Information About Third-Party Cookies

In addition to the cookies YongmingU delivers to your computer or mobile device through this Site, certain third parties may deliver cookies to you for a variety of reasons. For example, we may use Google Analytics, including the following Google Analytics Advertising Features: Adsense, Adwords, Doubleclick, Remarketing. To learn more about Google Analytics, click here. Please note that the Google Analytics opt-out browser add-on does not prevent information from being sent to 

Other third parties may also deliver cookies to your computer or mobile device for the purpose of tracking your online behaviors across non-affiliated websites and delivering targeted advertisements either on this Site or on other websites.

If you would like to opt-out of having participating entities collect your online behavior for advertising purposes when you are browsing websites, click here for a "Website Opt Out." You will be directed to an industry-developed website that allows you to choose whether each listed entity may collect and use data for interest-based advertising purposes. It may be that some of the third parties that collect interest-based information on this Site do not participate in the Website Opt Out, in which case the best way to avoid the third-party tracking of your online behaviors may be through your browser settings and deletion of cookies.

The Website Opt Out described above only works on websites. To opt out of having participating entities track your behaviors for advertising purposes when you are using our mobile apps, download and use the Digital Advertising Alliance's "App Choices" app. As with the Website Opt Out, the "Mobile App Opt Out" prevents tracking only by participating entities.

Please note that the Website Opt Out and Mobile App Opt Out are device specific. If you wish to opt-out from having interest-based information collected by participating entities across all devices, you need to take the steps outlined above from each device.

How We Use Your Information

  • to provide the information, products and services you request;

  • to bill or process any orders you make on this Site; 

  • to provide you with effective customer service;

  • to provide you with a personalized experience when you use this Site;

  • to contact you with information and notices related to your use of this Site;

  • to contact you with special offers and other information we believe will be of interest to you (in accordance with any privacy preferences you have expressed to us);

  • to invite you to participate in surveys and provide Feedback to us (in accordance with any privacy preferences you have expressed to us);

  • to improve the content, functionality and usability of this Site;

  • to better understand your needs and interests;

  • to improve our products and services;

  • to improve our marketing and promotional efforts;

  • to keep the Site free by selling advertisements;

  • for security, credit or fraud prevention purposes; 

  • for any other purpose identified in an applicable Privacy Notice, click-through agreement or other agreement between you and us. 

  • to contact you about our own and third parties' goods and services that may be of interest to you or that you may have requested information about; 

  • in any other way we may describe when you provide the information; 

  • to fulfill any other purpose for which you provide it; and 

  • for any other purpose with your consent. 

How We Share Your Information

With Third–Party Vendors. shares information collected through this Site with third-party vendors who act for us or on our behalf. For example, we may use third-party vendors to design and operate this Site; to conduct surveys; and to help us with our promotional efforts. These third-party vendors may need information about you to perform their functions. Additionally, we will share your information with third-party vendors when you request us to do so. For instance, you may request that we provide your information to hard money lenders so that you may receive information about offers and rates. 

With Other Users of this Site. One of this Site’s goals is to provide tools and resources to enhance real estate knowledge, networking, deal-making, and marketing. Thus, User-Generated Content you post on this Site can be read, collected, and used by others. (In this Policy, “User-Generated Content” or “UGC” refers to your publicly available profile information and all content that you post using the social networking tools we make available to you. UGC does not include “Feedback” (as that term is defined in our Terms of Use.). We may also use UGC you submit for advertising campaigns and other promotions. We may or may not use your name in connection with such use, and we may or may not seek your consent before using the content for such purposes. You should have no expectation of privacy with respect to UGC you submit on or through this Site. 

Testimonials. We display personal testimonials of satisfied customers on our site in addition to other endorsements. With your consent we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at

With Third-Party Social Media Platforms. We may provide functionality on this Site that allows you to automatically post information about the actions you take on this Site to a third-party social media platform (such as Facebook or Twitter). If you choose to take advantage of this functionality, people with access to your profile on the third-party platform may be able to see the actions you have taken—for example, the items you have purchased. Thus, you should have no expectation of privacy in those actions. Further, if you choose to link your profile on this Site with an account on a third-party social media platform, we may share the information in your profile with that third-party platform. We may share or provide some of your information, such as an email address, to third-party social media platforms so that we can identify you in order to engage with you on those platforms. 

With Other, Carefully Selected Business Partners. From time to time, we may share your information with selected third parties for their own marketing purposes. For example, we may partner with third parties to sponsor contests or other promotions, and we may share with these third parties the information you submit to us to participate in the contest or take advantage of the promotion. Before doing so, however, we may offer you the opportunity to “opt out” or “opt in,” as required by applicable law. 

In Aggregate or De-identified Form. We use information collected through this Site to create a compiled, aggregate view of usage patterns. We may share aggregate information with third parties so they can better understand our user base. We may also share with third parties information about how particular individuals use this Site, but only on a de-identified basis (“Individualized Data”). Individualized Data is not personally identifiable, but it does reflect the usage patterns of a particular Site user, as opposed to Site users collectively. We may provide basic demographic information (gender and age) in conjunction with providing Individualized Data. Third parties typically use this information for analytical purposes and to market their own products and services. It is possible that third parties will attempt to “re-identify” de-identified data, and you should know that this is possible using external points of reference. 

As Part of a Business Transfer. Your information may be transferred to successor organization if, for example, we transfer the ownership or operation of this Site to another organization or if we merge with another organization. If such a transfer occurs, the successor organization’s use of your information will still be subject to this Policy and the privacy preferences you have expressed to us. 

To Comply with Laws and Protect Our Rights and the Rights of Others. We may disclose your information when we, in good faith, believe disclosure is appropriate to comply with the law, a court order or a subpoena. We may also disclose your information to prevent or investigate a possible crime, such as fraud or identity theft; to protect the security of this Site; to enforce or apply our online Terms of Use or other agreements; or to protect our own rights or property or the rights, property or safety of our users or others. 

As Described in a Privacy Notice or click-through agreement. We reserve the right to disclose your information as described in any Privacy Notice posted on a page of this Site where you provide that information. By providing your information on that page you will be consenting to the disclosure of your information as described in that privacy notice. We also reserve the right to disclose your information as described in any click–through agreement to which you have agreed. 

How We Protect Your Information takes reasonable precautions to provide a level of security appropriate to the sensitivity of the information we collect. Although we use reasonable measures to help protect your information against unauthorized use or disclosure, we cannot guarantee the security of information provided over the Internet or stored in our databases and will not be responsible for breaches of security beyond our reasonable control. 

A Note About Children’s Privacy

You must be at least 13 years old to have our permission to use this Site. We do not knowingly collect, use or disclose personal information about visitors under 13 years of age. If you are under the age of 13, you can use this service only in conjunction with your parent’s or guardian’s permission. 


If you are a California resident and our customer, Cal. Civ. Code 1798.83 permits you to request certain information about our disclosure of personal information to third parties for their direct marketing purposes. To request this information, please send an e-mail to or write us at the following address: 527 21st St #216, Galveston, TX 77550.

Links to Other Websites

This Policy applies only to this Site. If you visit another website, please take a moment to review the privacy policy posted on that site to learn what information may be collected through that site and how it is processed. 

This Site may also contain links to websites that are not operated by or its affiliates. These links are provided for your reference and convenience only and do not imply any endorsement of the products sold or information provided through these websites, nor any association with their operators. YongmingU does not control these websites and is not responsible for their data practices. Any information you provide to third parties on their websites is covered under their privacy and data collection policies and is not covered by this Policy. We urge you to review the privacy policy posted on any site you visit before using the site or providing any personal information. 

Access to Your Information 

If you would like to review, correct and update the personal information you have provided to us through this Site, please contact us by email at We will respond to your request within the time limit set out by the applicable privacy legislation. We will use reasonable efforts to comply with your request as required by applicable law. If you believe that any information we are holding on you is incorrect or incomplete, please write to or email us as soon as possible, at the above address. We will promptly correct any information found to be incorrect.

Retention of Personal Information retains the personal information collected on this Site as long as necessary to provide the services, products and information you request or as permitted by applicable law. 

This Site Is Hosted on Servers Located in the United States and/or Canada is a U.S. corporation. The servers that support this Site are located in the United States or Canada. While it is in our possession, your information will generally be stored in databases or databases maintained by our third-party service providers on servers and data storage devices located in the United States or Canada. U.S. and Canadian, as applicable, data protection laws may not provide as much protection as the data protection laws in force in some other countries, however, we will process your information in accordance with this Policy no matter where our data is stored. If you are located in a country outside the United States, by using this Site you consent to the transfer of your information to the United States or Canada. 

Governing Law

This Policy shall be governed under the laws of the State of Texas United States of America without regard to its conflicts of law provisions. 


This document may be posted in English, Chinese, or any other language. The English language version posted online shall be binding upon any users or Buyers. 

Questions About This Policy or YongmingU’s Data Practices

If you have questions or concerns about this Policy, any Privacy Notice, or’s data practices, please contact us by email at



感谢您使用本网站(永明学院)和服务,本网站由DollarWalk股份有限公司(DollarWalk, Inc.)拥有和运营。(“永明学院”、“”、“我们”、“我们”、“我们的”)拥有并经营本网站(本“网站”)。本《在线隐私政策》(本《政策》)描述了我们通过YongmingU.com所属网站和移动应用程序(统称为本“网站”)向您收集的信息或收集的关于您的信息,本《政策》被发布在这些网站和应用程式上。它还描述了我们如何使用和分享这些信息以及我们为保护您的隐私所采取的一些措施。










一般来说。我们尊重您对我们收集、使用和披露您的信息的方式进行选择的权利。本《政策》描述了您的一些选择,例如,您可以选择不接收“cookies”,也可以选择不与第三方分享您的信息,这样他们就无法将您的信息用于他们的营销目的。此外,根据适用法律的要求,您可以通过点击每封促销邮件底部的 "退订 "链接,选择不接收我们的促销邮件。 

我们可能会要求您到时候在提供您的信息的页面上表明您的选择。在其他情况下,并与本“网站”作为一个网络和教育平台的目的相一致,我们会对您希望与他人分享您的信息的方式做出某些假设。如果您之前同意我们将您的个人信息用于直接营销目的,并希望改变这种情况,您可以通过 联系我们。 




您在任何此类变更后使用本“网站”,即表示您同意在修订后的《政策》被发布后,从您那里收集的或收集的关于您的所有信息将受修订后的《政策》条款的约束。您可以在任何时候通过点击本“网站”公共区域每个页面底部标有 "隐私 "的链接来访问本《政策》的最新版本。










  • 收集有关访问者使用本“网站”的方式的信息——他们访问哪些页面、使用哪些链接以及他们在每个页面上停留多长时间;

  • 支持本“网站”的特点和功能——例如,为您省去重新输入已经在我们数据库中的信息的麻烦,或提示您在以前访问时建立的设置;

  • 在您使用本“网站”时,为您提供个性化的体验;以及

  • 改进我们的营销工作,包括通过使用目标广告。 

  • 我们使用cookies和类似技术收集的信息本身并不能识别个人身份,但我们可能将其与您提供的个人信息联系起来。如果您不希望收到cookies,您可以将您的浏览器设置为拒绝接受cookies,或者在cookies被放置到您的电脑上时收到提醒。虽然您在访问本“网站”时不需要接受cookies,但如果您的浏览器拒绝我们的cookies,您可能无法使用本“网站”的所有功能。





上述的“网站选择退出”只对网站有效。当您使用我们的移动应用程序时,要选择退出参与实体为广告目的跟踪您的行为,请下载并使用数字广告联盟(Digital Advertising Alliance)的“App Choices”应用程序。与“网站选择退出”一样,“移动应用程序选择退出”只阻止参与实体的追踪。



  • 提供您要求的信息、产品和服务;

  • 对您在本“网站”上下的任何订单进行结算或处理;

  • 为您提供有效的客户服务;

  • 在您使用本“网站”时,为您提供个性化的体验;

  • 与您联系,并提供与您对本“网站”的使用有关的信息和通知;

  • 与您联系,并(根据您向我们表达的任何隐私偏好)来提供我们认为您会感兴趣的特别优惠和其他信息;

  • (根据您向我们表达的任何隐私偏好)来邀请您参加调查并向我们提供“反馈”;

  • 改进本“网站”的内容、功能和实用性;

  • 更好地了解您的需求和兴趣;

  • 改进我们的产品和服务;

  • 改进我们的营销和促销工作;

  • 通过销售广告让本“网站”一直免费开放;

  • 为安全、信用或防止诈骗的目的;

  • 用于适用的《隐私声明》、点击许可协议或您与我们之间的其他协议中确定的任何其他目的。

  • 就您可能感兴趣或您可能要求获得信息的我们自己和第三方的商品和服务与您联系;

  • 在您提供信息时,我们可能描述的任何其他方式;

  • 为了实现您提供信息的任何其他目的;以及 

  • 在您的同意下,用于任何其他目的。




推荐。我们在网站上展示满意客户的个人评价,以及其他认可。在征得您的同意后,我们可能会将您的推荐与您的姓名一起公布。如果您希望更新或删除您的推荐,您可以通过 与我们联系。 



以汇总或去识别化的形式。我们使用通过本“网站”收集的信息来创建一个使用模式的编译、汇总视图。我们可能与第三方分享汇总信息,以便他们能够更好地了解我们的用户群。我们也可能与第三方分享有关特定个人如何使用本“网站”的信息,但只在不可识别的基础上进行("个性化数据")。“个体化数据”不可识别个人身份,但它确实反映了某个特定“网站”用户的使用模式,而不是网站用户的集体情况。在提供“个性化数据”的同时,我们可能会提供基本的人口统计信息(性别和年龄)。第三方通常将这些信息用于分析目的,并用于推销他们自己的产品和服务。第三方有可能试图 "重新识别 "去识别化的数据,您应该知道这有可能使用外部参考点。 









如果您是加州居民并且是我们的客户,《加利福尼亚州民法典》第1798.83节允许您要求获得某些关于我们为直接营销目的向第三方披露个人信息的信息。要获得这些信息,请发送电子邮件至 或写信到以下地址给我们:527 21st St #216, Galveston, TX 77550。
















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