Privacy notice

How High Yield handles account, community, contact and newsletter information.

Operator, audience and contact

MOMENTUM FI LLC, based in Pennsylvania, operates High Yield. Community accounts are for adults aged 18 and older worldwide. For privacy questions or requests, use our contact form. Public registration is currently closed.

Contact form →

Information and purposes

Reader accounts use an email address, a public display name, an opaque connection to the community, authentication and security records, and the posts and operational metadata needed to operate the service. These support sign-in, verification, security, discussion, moderation and requests. Public posts and display names are visible to others; email addresses and authentication records are restricted. Do not submit bank account numbers, identity documents or private financial records.

The contact form asks for your email address, the reason for contacting us and your message. You may also provide your name and a page or discussion link. We use these details to respond to your request, investigate the issue and verify account or privacy requests where necessary. Sending a message does not subscribe you to the newsletter. Do not include passwords, security codes, bank account numbers, identity documents or private financial records.

Services and newsletter choices

HYSA manages reader sign-in and its connection to the Discourse community. DigitalOcean hosts the application and its storage. Postmark handles transactional mail. Kit independently manages newsletter confirmation, preferences and suppression. A reader account does not subscribe you to the newsletter. Deleting a reader account does not silently change separate newsletter consent; tell us if you also want newsletter action, or use the unsubscribe link.

Retention and deletion

Unverified registrations expire after seven days. After an authorized deletion request, we revoke access immediately and complete deletion or anonymization within 30 days. Public discussion may remain after anonymization; identifying text and attachments need separate review. Restricted audit and closed moderation records follow a 12-month retention rule, with a documented limited extension where justified.

Contact-message retention

We delete routine contact messages and replies from active systems within 90 days after the request is resolved, or sooner for a verified deletion request. Necessary account, privacy, moderation and security case records follow their separate retention rules. At resolution, we delete corresponding external Inbox, Sent and Trash copies, avoid exports, and remove necessary temporary local copies within seven days. Archiving is not deletion.

Provider copies and backups

HYSA targets no more than 35 days for operational database and forum backups. These restricted copies are used for recovery; deletion and suppression records must be reapplied before access is reopened after a restore.

Email providers have separate retention. Our current Postmark plan retains message content and activity for 45 days before queuing deletion. Minimal bounce and complaint suppression records are maintained separately to prevent unwanted mail. Contact notifications contain an opaque reference and a private administrative link rather than your message text.

Google processes deletion from its backend systems over a period generally around two months, sometimes longer. Encrypted backup copies can remain for up to six months. These are provider-controlled periods, not a promise that every provider copy is erased within 35 days.

Cookies, security and requests

Sign-in and security use essential cookies and session records. Use the contact form for access, correction or deletion requests. We verify the requester before disclosing or changing account information. We cannot recall public copies held by other people.