Last Updated on 2/22/2024

NOTICE: Please read the Privacy Policy set forth below carefully, as it is designed to provide important information on how and why we collect, use, store and share your personal information. It also outlines the rights you can exercise regarding your personal information and how you can contact us if you have any questions or complaints. The Privacy Policy set forth below is legally binding. By visiting, viewing or using this website and/or by using any program, product, course or service from us, you agree to be bound by this Privacy Policy.

Your privacy is important to Personal Financial Freedom LLC, https://www.personalfinancialfreedom.com (“Website”), which is operated by Kelly Craig(“Company”, “we”, “us”, or “our”).

We use the term “personal information” to refer to data we collect that may, directly or indirectly, identify, describe, relate to or be associated with you. This privacy policy (“Privacy Policy”) applies to personal information we collect when you interact with us through different means, including by visiting and using our website. The term “you” refers to any visitor, viewer or user of the website and/or any user of any Product. Please note that we cannot control the privacy practices of websites and services that we do not own. Please read the entire Privacy Policy before you visit or use the website or perform any Actions (as defined below). By visiting the website or performing any Actions (as defined below), you consent to the terms of this Privacy Policy. This Privacy Policy was created with the help of Plug and Law and Privacy Policy Solutions.

INFORMATION WE COLLECT AND HOW WE COLLECT IT

The following describes the categories of personal information we collect and how we collect such information. Information You Provide. We collect information you provide to us directly. This includes information you provide when you (i) receive any free or purchase any paid programs, products, courses or services from us (each, a “Product”), (ii) sign up to receive any emails, (iii) comment on any posts or otherwise communicate with us on any social media platform, (iv) register for presentations or classes, (v) fill out any forms, (vi) access public or private membership groups, including those hosted via a third-party platform (i.e., Facebook), (vii) sign up to become our affiliate partner, (viii) respond to any survey, (ix) participate in any contest or sweepstakes, or (x) contact us through any other means, including via an online form, phone call, or email (collectively, the “Actions”). 

Examples of data we may receive include your first name, last name, telephone number, email address, shipping address, billing address, physical address (such as your address, state, province, ZIP/postal code and city), date of birth, gender, account name, billing information (such as your credit card number), financial information, Social Security Number, Tax Identification Number, Employer Identification Number, PayPal address, social media information, and other information you provide to us through survey responses, feedback, reviews and other means of communication. 

Information Collected Automatically. We collect some data automatically when you visit or use our website or open or respond to our emails. For example, we may automatically collect information when you open or respond to our emails, make a choice with respect to communications we send to you, visit any page that displays our content, provide information to our service providers or purchase or return a Product. 

Information from Third Party Sites. We collect some data when you connect with us, comment on or like our posts or otherwise interact with us on any social media platform, or when you access public or private membership groups hosted on a third party platform (i.e., Facebook). Examples of data we may receive include your profile information, profile picture, social media information, social media handles or nicknames, name, purchase history, email address, device identifiers and demographic information. 

Information from Internet or Other Electronic Network Activity. We automatically collect some data about your computer or mobile device when you access our website. Examples of data we may receive include your Internet Protocol (“IP”) address, browser type, browser version, cookies from your browser, unique device identifiers, web browser software (i.e., Google Chrome), information about the referring website, the date, time and length of your visit, including the specific pages you visit, information on how you interact with the website, Products and tools and other diagnostic data. Examples of additional data we may receive when you access our website through a mobile device include the type of mobile device you are using, the unique mobile device ID, your mobile operating system, web browser software on mobile, unique device identifiers and other diagnostic data. 

PURPOSES FOR COLLECTING INFORMATION

We use your information for business and commercial purposes. For example, we may use your information to: 

Register you for a course, presentation or class.

Grant you access to a public or private membership group or other account, andmaintain and service your profiles for such accounts.

Validate and authenticate your profile when logging into a public or privatemembership group or other account or when purchasing a Product.

Analyze interactions with you to improve quality.

Identify your product preferences and shopping preferences.

Secure our website and data.

Create Products that you are interested in.

Ship or otherwise deliver, process payment for, communicate about, and trackorders of any Products.

Suggest Products you may like based on past purchases and otherwisepersonalize your experience with the website.

Provide promotional and marketing communications and information if you electto receive it, including email marketing.

Improve the design, functionality and ease-of-use of our website and Products.

Respond to any inquiries, reviews or other feedback you submit to us.

Provide customer service.

Conduct research to improve our business processes.

Administer affiliate programs.

Administer contests, sweepstakes, surveys or promotions.

Administer any business needs related to your purchase of any Products.

Detect security incidents and protect against, stop, resolve and prevent any fraudand fraudulent transactions and any malicious, deceptive or illegal activity.

Comply with all applicable law.

Respond to legal and regulatory inquiries and assist law enforcement.

THIRD PARTIES WE SHARE INFORMATION WITH 

The following is a list of third parties that we may share your information with or for. 

Affiliate Partners. We may share your information with affiliate partners to generate traffic or leads or for other business purposes. 

Analytics Providers. We may share your information with analytics providers. 

Business Transfers. If we and/or our website are acquired by a third party as a result of a transfer, sale, merger, acquisition, reorganization, liquidation, consolidation, merger or sale of some or all of our Company and/or our website, your personal information 

may be a transferred asset. We may also share personal information to prospective purchasers to diligence the proposed transaction. 

Cloud Service Providers. We may share your information with cloud service providers. 

Customer Analysis Providers. We may share your information with customer analysis providers, such as those used to analyze visitors clicks and navigation around the website. 

Customer Service Providers. We may share your information with customer service providers. 

Delivery Partners. We may share your information with delivery partners, such as those we use to ship or otherwise deliver any Products. 

Email Marketing and Advertising Providers. We may share your information with marketing and advertising providers, including email marketing and campaign providers, marketing software providers, direct mail providers, marketing analytics providers and sales funnel providers. We may share your information with email marketing service providers, in order to send you emails, newsletters, promotional materials, marketing materials or other information. 

Fraud Prevention Partners. We may share your information with fraud prevention partners. 

Fulfillment Partners. We may share your information with fulfillment partners, such as those we use to fulfill any Products. 

Government Agencies. We may share your information with government agencies, courts, regulators and law enforcement in the event we are required to comply with applicable laws and regulations or a legally binding process, or in response to subpoenas, warrants, government inquiries or investigations, and court orders. We may also share your information (i) to establish, exercise, protect or enforce our legal rights and the legal rights of our agents, employees and affiliates, (ii) to defend against a legal claim, (iii) to protect you, us or third parties against injury, interference, fraud or harm or (iv)to take action related to violations of our policies, including this Privacy Policy andour Terms & Conditions, or potentially illegal activities.

Other Service Providers. We may share your information with service providers.

Payment Processors. We may share your information with payment processors, such as those we use to collect and process payment for any Products you purchase. 

Public Forum. Our website may allow you to leave a post, comment or review on the website. If you choose to submit that information on a public forum, that information will be available to the public and we may elect to share your post, comment or review outside of the website. 

Social Media Platforms. We may share your information with social media platforms (i.e., Facebook). Their use of your information is not governed by this Privacy Policy. 

Technology Service Providers. We may share your information with technology service providers. 

Third Parties. We may share your information with third parties whom we have contractual relationships with, such as auditors, consultants, lawyers, and other professionals who rely on the data to provide us with professional services. 

Third Party Partners. We may share your information with third parties we have partnered with to jointly create or offer a product, service or joint promotion. 

WE DO NOT SELL YOUR PERSONAL INFORMATION 

We do not sell, rent or trade your personal information to any third parties, as we value your privacy. We also do not “sell” your personal information as defined by the California Consumer Privacy Act. 

COOKIES AND OTHER TRACKING TECHNOLOGIES 

We may collect and access, and may permit our business partners and third party service providers, such as advertising companies, to collect and access your Internet Protocol (IP) address, browsing metadata and other numerical identifiers, such as your browser type, version and operating system (collectively, the “Browsing Information”). We may also use, place, collect and store, or allow our third party service providers to use, place, collect and store, cookies, web beacons, remarketing pixel tags, or other similar tracking technologies. 

We, our business partners and third party service providers may use this information and these technologies to, among other things, improve and personalize your user experience, understand how you use the website, provide tailored ads, analyze trends, data, and website performance, administer the website, identify and track you when you 

use different devices, determine if you are logged onto the website, provide security and provide a range of features, customization and functionality. 

By using the website and not opting out of cookies, you consent to the use of Browsing Information, cookies and other tracking technologies as described in this Privacy Policy. Note that we have no control over these third party service providers and their use of such tracking technologies. We cannot and do not control the privacy policies and practices of any third party service providers. We encourage you to visit their websites directly to learn about their privacy policies. 

YOUR CHOICES 

It is important to us that you understand your choices regarding your personal information. 

Opting Out of/Blocking Cookies. Most browsers accept cookies by default. However, most browsers will allow you to prevent accepting new cookies, disable cookies, and/or receive a notification when you receive new cookies. If your browser has such functionalities, information on how you can change your cookie settings can typically be found in the help section of the browser toolbar. Please note that if you do disable cookies, this may have an impact on or interfere with your user experience, including your ability to use or make purchases from the website, or receive personalized content. 

Managing “Do Not Track”. As required by the California Online Privacy Protection Act (CalOPPA), we would like you to know that our systems are currently unable to recognize browser “Do No Track” signals. 

Use of Personal Information. You can request that we delete your personal information at any time by contacting us using the contact details provided below, subject to certain exceptions. You can also (i) request to see your personal information that we have available on you, (ii) withdraw consent for our use of your personal information, (iii) review and request we rectify, change or modify your personal information, (iv) restrict or limit the processing of your personal information, (v) cancel the processing of your personal information and (vi) request your personal information and transfer it to another controller without any impediments on our part by contacting us using the contact details provided below. 

Unsubscribing from Email Marketing. When you sign up to receive emails from us, you agree to receive email communications from us, which may include newsletters and promotional emails. If you receive any email marketing from us, you can opt out at any 

time by clicking the “unsubscribe” link contained in each email. Please note that unsubscribing from email marketing does not necessarily unsubscribe you from other emails we may send, such as emails about any Products you purchase. 

Other Opt-Out Options. If we send you physical mailings or short message service (SMS) messages or contact you via telephone, you can opt-out by contacting us using the contact details provided below. 

DATA RETENTION 

We retain personal information as long as it is needed to conduct and operate our business or until you ask us to delete your personal information by contacting us using the contact details provided below. Please note that we cannot control the data retention policies of third parties. 

THIRD PARTY LINKS 

For your convenience, we provide links to third party websites on our website, such as links to third party social media platforms. If you click on a link to a third party website, you will be directed to a third party website. We cannot and do not control the privacy policies, content and practices of the website owners and operators of any of the third party websites that we link to. We encourage you to visit their websites directly to learn about their privacy policies. 

HOW WE PROTECT YOUR PERSONAL INFORMATION 

We care about the security of your personal information, so we maintain reasonable and appropriate physical, technical and procedural safeguards to help keep it safe. While we take reasonable steps to protect your personal information, no method of transmission over the internet or other network can be 100% secure, therefore we cannot and do not guarantee that personal information you transmit will remain secure from misuse or interception in all circumstances. By consenting to this Privacy Policy, you acknowledge that we cannot guarantee that your personal information will be protected from misuse or interception by third parties. 

INTERNATIONAL DATA, TRANSFERS AND PROCESSING 

Our website is intended for individuals located within the United States. Please be aware that our website servers and our service providers may be located outside of your state, province, or country. As a result, some of your personal information may be collected, used, transferred, maintained, disclosed, and stored outside of your state, province, or country. By using this website, you acknowledge and agree that the collection, use, transfer, maintenance, disclosure, and storage of your personal information, Browsing Information, and communications related to or arising out of your 

use of this website is governed by the applicable laws in the United States. While we have the appropriate safeguards in place, the applicable privacy laws in the United States may be less stringent than those of your state, province or country. 

NOTICE ABOUT THE GENERAL DATA PROTECTION REGULATION (GDPR NOTICE) 

The information in this section, under the subheading “Notice About the General Data Protection Regulation”, applies to individuals covered by the General Data Protection Regulation (“GDPR”). References to “you” and “your” in this section refer only to those covered by GDPR. GDPR, which took effect on May 25, 2018, provides privacy rights for those inside the European Economic Area. 

For the purposes of this section, “personal information” refers to any information relating to an individual which can be directly or indirectly used to identify such individual. Examples include first name and last name, email address, identification number, information about location, ethnicity, gender, biometric data, web cookies, and religious or political beliefs. 

Legal basis for processing information. We may process personal information under the following conditions: (i) we have received your consent to process your personal information for one or more specific purposes, (ii) processing of your personal information is necessary to perform a contract to which you are a party to, or in order to take steps at your request prior to entering into a contract, (iii) processing of your personal information is necessary to comply with a legal obligation we are subject to, (iv)processing of your personal information is necessary in order to protect the vitalinterests of you or another natural person, (v) processing of your personal information isnecessary to perform a task carried out in the public interest or to exercise an officialauthority vested in us; (vi) processing of your personal information is necessary for thepurposes of the legitimate interests pursued by us or a third party, except in certaincircumstances where the need for the information is overridden by the need to protectthe subject of the personal information (such as when the subject of the personalinformation is a child).

We are happy to let you know which legal basis applies to the processing of your personal information. 

You have certain rights you can exercise under the GDPR, including the following. Please note that this summary is merely provided for your convenience, but we do not warrant the accuracy or exhaustiveness of this summary nor should you rely on this as an accurate or exhaustive list of your rights.

Right to Access. You have the right to learn whether or not your personalinformation is being processed. If it is being processed, you have the right toaccess the personal information, and to learn certain information about yourpersonal information, including: (i) why it is being processed, (ii) the categories ofpersonal information we collected, (iii) the recipients or categories of recipients towhom we have or will disclose the personal information to, (iv) if possible, theamount of time we will store the personal information, or if not possible, thecriteria we use to determine such period and (v) available information about thesources for personal information we collected.

Right to Correction. You have the right to correct any inaccurate personalinformation about yourself. You also have the right to complete any incompletepersonal information collected, including through providing an additionalstatement.

Right to Be Forgotten. You have the right to ask us to erase your personalinformation, which we will do without undue delay under certain circumstances.Examples may include: (i) where the personal information is no longer necessaryfor the purposes for which it was collected, (ii) where you withdraw consent onthe basis of which we processed your personal information, and there is no legalground for processing such personal information, (iii) where you invoke your rightto object (described below) and there are no overriding grounds for processingsuch personal information, (iv) where your personal information has beenunlawfully processed and (v) where the personal information has to be erased tocomply with a legal obligation.

Right to Restrict Processing. You have the right to restrict the processing ofyour personal information under certain circumstances. Examples may include:(i)where you indicate the inaccuracy of your personal information, (ii) where theprocessing is unlawful but you would like the processing of your personalinformation to be restricted as opposed to erased, (iii) where we no longer needthe personal information for processing, but you would like it restricted for a legalbasis, and (iv) where you invoke your right to object (described below).

Notification of Recipients of Personal Information. If you exercise your Rightto Rectification, Right to Be Forgotten or Right to Restrict Processing (each asdescribed above), we will convey that to each recipient we have shared yourpersonal information with. You have the right to request we provide you with alist of all recipients we have notified.

Right to Data Portability. You have the right to request your personalinformation in a structured, commonly used and machine-readable format.

Right to Object. You have the right to object to the processing of your personalinformation under certain circumstances. Examples may include: (i) where the

situation, where the legal grounds for processing such personal information falls under categories (v) and (vi) as described in the sub-section titled “Legal basis for processing information” and (ii) where the personal information is processed for direct marketing purposes. 

Right to Lodge a Complaint. You have the right to lodge a complaint with asupervisory authority. For more information, please contact your local dataprotection authority.

Right to Be Informed About International Transfers. You have the right to beinformed about the international transfer of your personal information andsafeguards in place. Please read the section of this Privacy Policy titled“International Data, Transfers and Processing”.

Right To Object to Profiling. We may use automated decision-making inoperating our website. You have the right not to be subjected to any decisionsarising from automated processing, including profiling, which produces legaleffects concerning you or similarly significantly affects you.

To exercise any of your rights, please contact us using the contact details provided below. We are required to verify the identity of anyone who makes any request. 

NOTICE TO CALIFORNIA RESIDENTS (CCPA NOTICE) 

The information in this section, under the subheading “Notice to California Residents”, applies to residents of California. References to “you” and “your” in this section refer only to residents of California. The California Consumer Protection Act (“CCPA”), which took effect on January 1, 2020, provides privacy rights for residents of California. Please refer to the referenced sections in this Privacy Policy for details on the following, which you have a right to know under the CCPA: 

To review information on the categories of personal information and thecategories of sources from which we collect, use, store and share personalinformation, read the section of this Privacy Policy titled “Information We Collectand How We Collect It”.

To review information on the business or commercial purposes for which wecollect information, read the section of this Privacy Policy titled “Purposes forCollecting Information”.

To review information on the categories of third parties we share personalinformation, read the section of this Privacy Policy titled “Third Parties We ShareInformation With”.

As a California resident, you have certain rights you can exercise under the CCPA, including the following. Please note that this summary is merely provided for your convenience, but we do not warrant the accuracy or exhaustiveness of this summary nor should you rely on this as an accurate or exhaustive list of your rights. 

Right to Know. You have the right to obtain from us certain information aboutour collection of your personal information over the past 12 month period,including: (i) the categories of personal information we collected, (ii) the specificpieces of your personal information we collected, (iii) the categories of sourcesfor the personal information we collected, (iv) our business or commercialpurpose for collecting or selling that personal information, (v) the categories ofthird parties with whom we share that personal information, and (vi) if we sold ordisclosed your personal information, then (a) a list disclosing the categories ofpersonal information involved in sales and the categories of third parties to whomwe sold your personal information and (b) a list disclosing categories of personalinformation disclosed for a business purpose and the categories of third partieswith whom we shared your personal information. You have the right to obtainthis information from us, free of charge, twice each year.

Right to Delete. You have the right to request that we delete your personalinformation that we have collected, subject to certain exceptions. When youcontact us, please let us know the information you are requesting we remove,update, correct or amend, and the timeframe and manner in which you believewe came to collect such information.

Right to Opt-Out. You have the right to opt-out of the sale of your personalinformation. We do not sell, rent or trade your personal information to any thirdparties, as we value your privacy. Therefore, no request to opt-out of sale isnecessary.

Right to Non-Discrimination. You have the right not to receive discriminatorytreatment by us for exercising your rights under the CCPA. We will notdiscriminate against you in any way for exercising any of the rights available toyou under the CCPA, including by denying you goods or services, charging youdifferent prices or rates, providing you with a lesser quality of goods or servicesor suggesting that you would receive a different price or rate for goods orservices or a different quality of goods or services.

To exercise any of your rights, please contact us using the contact details provided below. We are required to verify the identity of anyone who makes any request. 

NOTICE TO CALIFORNIA RESIDENTS (California’s “Shine the Light” Law)

We do not share your personal information with third parties who we know or have reason to know may use your personal information for “direct marketing purposes” as contemplated by California’s “Shine the Light” law (Civil Code Section § 1798.83). 

NOTICE TO NEVADA RESIDENTS 

We do not exchange your personal information for monetary consideration with anyone who will license or sell your personal information to third parties. 

CHILDREN’S PRIVACY 

This website is not directed towards or designed for use by children under the age of 18.This website and the information contained on it is specifically designed forindividuals over the age of 18. If you are under the age of 18, you must not access thiswebsite or perform any of the Actions. We do not knowingly collect, use, store or sharepersonal information from children under the age of 18. If you know or have reason tobelieve that we have collected data from anyone under the age of 18, please contact ususing the contact details provided for removal of that data.

CHANGES TO THE PRIVACY POLICY 

We reserve the right to change, amend or modify this Privacy Policy at any time. We will alert you to any changes by posting the effective date of the latest version at the top of this page, at which point any changes will become immediately effective. It is your responsibility to check for updates, as your continued use of the website and our Products after the Privacy Policy is amended will constitute your acceptance and agreement to continue to be bound by the Privacy Policy as of the last updated date indicated at the top of this page. 

ALTERNATIVE FORMS 

You may print this Privacy Policy by using the “Print” function on your browser. 

HOW TO CONTACT US 

If you have any questions or complaints related to this Privacy Policy, or would like to exercise any of your rights, please contact us using the information below. 

By email: kelly@personalfinancialfreedom.com