1. Introduction

Jarret Kray and ChangingMoneyBeliefs.com ("we," "us," or "our") is committed to protecting the privacy and personal information of our users and clients ("you" or "your"). This Privacy Policy outlines the types of information we collect, how it is used, disclosed, and safeguarded, and your rights concerning your personal information, in compliance with applicable privacy laws in the United States and Canada, including but not limited to the Personal Information Protection and Electronic Documents Act (PIPEDA) in Canada, and principles derived from U.S. state privacy laws such as the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA).

2. Information We Collect

We collect various types of information from and about you, which may include:

Personal Information: Information that directly or indirectly identifies you. This may include your name, email address, phone number, and any other contact details you provide. Financial Information: Details voluntarily shared by you regarding your money beliefs, financial goals, current financial situation, income, debts, assets, or spending habits. This information is collected solely for the purpose of providing relevant coaching services. Payment Information: When you make a purchase through our website, we collect necessary transaction details. We utilize Stripe, a third-party payment processor, to handle all payment transactions. We do not directly store your full payment card details on our servers. Stripe collects and processes payment information, such as your credit card number, expiration date, and billing address, in accordance with their own privacy policy and terms of service. Technical and Usage Data: Information automatically collected when you access and use ChangingMoneyBeliefs.com, such as your Internet Protocol (IP) address, browser type, operating system, device information, access times, pages viewed, and referring website addresses. This data helps us understand how our services are used and improve our offerings. Communication Data: Information contained in any communication you send to us, whether through our website contact forms, email, social media, or other means.

3. How We Collect Information

We collect information through various methods, including:

Directly from You: When you register for our courses, sign up for our mailing lists, complete forms on our website (e.g., contact forms, intake questionnaires), make purchases, participate in coaching sessions, or communicate with us directly. Automatically: As you navigate through and interact with ChangingMoneyBeliefs.com, we may use cookies, web beacons, and other tracking technologies to collect certain information about your equipment, Browse actions, and patterns. Via Third-Party Payment Processor (Stripe): Payment information is collected and processed by Stripe on our behalf.

4. Purposes for Collecting and Using Information
We collect and use your personal information for the following purposes:

To Provide Services: To deliver the personalized coaching services, course content, resources, and support related to changing money beliefs as described on ChangingMoneyBeliefs.com. To Process Payments: To facilitate and complete financial transactions for courses or services purchased by you, utilizing our third-party payment processor, Stripe. To Communicate with You: To send you important updates, notifications regarding your courses or coaching sessions, administrative messages, and to respond to your inquiries and requests. To Manage Accounts: To establish and manage your user account, process payments, and maintain records of your engagement with our services. For Analytics and Improvement: To understand how our services are used, analyze trends, personalize user experience, and improve the functionality and content of ChangingMoneyBeliefs.com. For Marketing and Promotional Purposes: With your consent where required by law, to send you promotional materials, newsletters, or information about new services that may be of interest to you. You may opt out of receiving marketing communications at any time. To Maintain Security: To detect and prevent fraud, unauthorized access, and other malicious activities, and to protect the integrity of our services and data. To Comply with Legal Obligations: To meet our legal and regulatory requirements, including record-keeping and reporting obligations.

5. Disclosure of Your Information

We do not sell your personal information. We may disclose your personal information in the following circumstances:

Service Providers: We may share your information with trusted third-party service providers who perform functions on our behalf, such as website hosting, payment processing (e.g., Stripe), email delivery, customer support, and analytics services. These service providers are contractually obligated to protect your information and use it only for the purposes for which we disclose it to them. Regarding Payments via Stripe: When you initiate a payment, your payment information is directly provided to Stripe. Stripe's use of your personal information is governed by their Privacy Policy, which we encourage you to review: https://stripe.com/privacy 
Legal Requirements: We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court order, government inquiry, or subpoena). Business Transfers: In the event of a merger, acquisition, restructuring, or sale of all or a portion of our assets, your personal information may be transferred to the acquiring entity. With Your Consent: We may disclose your personal information for any other purpose with your explicit consent.

6. Data Security

We have implemented reasonable physical, technical, and administrative safeguards designed to protect your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. These measures include, but are not limited to, encryption, firewalls, secure server infrastructure, and restricted access to data. While we utilize secure payment processors like Stripe to handle sensitive payment information, no method of transmission over the Internet or method of electronic storage is 100% secure. Therefore, we cannot guarantee its absolute security.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements. To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your personal data, the purposes for which we process your personal data, and whether we can achieve those purposes through other means, and the applicable legal requirements.

8. Your Rights Regarding Your Personal Information

Depending on your jurisdiction (e.g., California, Canada), you may have the following rights concerning your personal information:

Right to Access: You have the right to request access to the personal information we hold about you. Right to Rectification/Correction: You have the right to request that we correct any inaccurate or incomplete personal information we hold about you. Right to Erasure/Deletion: You have the right to request the deletion of your personal information, subject to certain legal exceptions (e.g., where we are required to retain it for legal, tax, or accounting purposes). Right to Withdraw Consent: Where we rely on your consent to process your personal information (e.g., for marketing), you have the right to withdraw that consent at any time. This will not affect the lawfulness of any processing carried out before you withdraw your consent. Right to Opt-Out of Marketing Communications: You can opt-out of receiving marketing communications from us by following the unsubscribe instructions provided in those communications. Right to Complain: You have the right to lodge a complaint with a supervisory authority (e.g., the Office of the Privacy Commissioner of Canada) if you believe our processing of your personal information violates applicable law.

To exercise any of these rights, please contact us using the "Contact Us" details provided below. We may require specific information from you to help us confirm your identity and ensure your right to access your personal information (or to exercise any of your other rights).

9. Children's Privacy

ChangingMoneyBeliefs.com is not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18 without parental consent, we will take steps to remove that information from our servers.

10. International Data Transfers

Your personal information may be stored and processed in any country where we have facilities or in which we engage service providers, including the United States and Canada. By using our services, you understand that your information may be transferred to countries outside of your country of residence, which may have different data protection laws than those in your country. We will ensure that any such transfers comply with applicable data protection laws, including by implementing appropriate safeguards where required.

11. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated Privacy Policy on ChangingMoneyBeliefs.com with a new "Effective Date," and, where appropriate, through other communication channels such as email. Your continued use of our services after such modifications will constitute your acknowledgment of the modified Privacy Policy.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact Jarret Kray at:

[email protected]