Privacy Policy – Debt Free Living Academy

George Elia Kaadi (“George Elia Kaadi, pesonalfinanceacademy.com, and www.moneycoachmaster.com, ” “We,” “Us,” “Our,”) is committed to protecting both the personal as well as business information. You share and/or store with us. This Privacy Policy applies to transactions and activities and data gathered through the pesonalfinanceacademy.com and www.moneycoachmaster.com Websites and interaction. You may have with its related Social Media accounts. Please review this Privacy Policy periodically as We may revise it without notice.

Generally, we may collect and use personal information for many purposes, including, but not limited to: billing, service fulfillment, understanding customer needs, providing a better website, improving products and services, and communicating with customers and potential customers regarding our products and services with third-party products and services.

Personally, Identifiable Information that You Provide to Us

We do not collect personally identifiable information, e.g., name, email address, contact, or similar information, unless you choose to provide it to us. If you voluntarily provide Us with personal information, such as sending an email or filling out a form and submitting it through Our Website. In that case, We may use that information only to respond to your message and provide You with the information or services you request.

Account Registration Information

In some instances, use of the pesonalfinanceacademy.com and www.moneycoachmaster.com Website and Services may require that You disclose certain personal information for identification, including a unique email address and demographic information (including, for example, ZIP code, age, sex, job industry, job title, and income) to register.

Billing and Credit Card Information

Our Services generally comprise money coaching webinars, seminars, and materials distributed on a subscription basis. We collect and store name, address, telephone number, email address, credit card information, and other billing information to enable payment. This information will only be shared with third parties who facilitate the completion of the purchase transaction by fulfilling orders and processing credit card payments.

We will not disclose your billing and/or credit card information unless required by law or court order or unless disclosure is required to address an issue implicated by the financial transaction. For instance, if you claim that your billing and/or credit card information was used to make a purchase you did not authorize, details about the transaction may be disclosed to law enforcement and any party We deem necessary to address the matter.

How this Information is Used

The information we collect is used for a variety of purposes, such as:

To enable Your use of Our Services and fulfill Your requests for certain features, such as enabling You to participate in and renew paid services, polls, and message boards;
By performing statistical, demographic, and marketing analyses of users of Our Services to improve our relationship with our customers;
For product development purposes and to generally inform advertisers about the nature of Our subscriber base to improve our relationship with our customers;
To customize Your experience by allowing advertising to be targeted to the users for whom such advertising is most pertinent.

Direct Communication

An important aspect of Our Services includes direct communication with Our customers. As a result, we will periodically send You communications to Your email, text, or voice mailbox, via telephone, fax, cell phone, email, paper mail, or any other delivery method regarding the products or services you may have purchased through this Website. We may also send you information about product or service updates, new features, or information. We believe You may find it interesting. We may send you information regarding other products and services We offer.

Non-Personal Information Collected Through Technology and Third-Parties

Your visit, as You browse through our websites, read pages, or download information, we automatically collect and store the following anonymous information about Your visit:

The date and time YOU access our websites and the pages YOU visited.
If YOU navigate to our web sites by a link, the location of that link;
The technical capabilities of the computer you use to access our sites;
The Internet service providers you use to connect to our sites and the IP address (a set of numbers assigned to your computer whenever you are surfing the internet) from which you access our sites.

We use this information, in the aggregate, to make our websites more useful to visitors — to learn about the number of visitors to our site and the types of technology used, to detect operational problems, and to improve our Websites’ overall security.

Cookies, Beacons, Local Storage and Other Similar Technologies

We use “cookies,” Web beacons, HTML5 local storage, and other similar technologies. These technologies allow us to manage access to and use the Services, recognize you and provide personalization, and understand how people use Our Services. You may not be able to access certain areas of Our websites, including pesonalfinanceacademy.com and www.moneycoachmaster.com, if your computer does not accept cookies from us.

We do not respond to browser-based “do not track” signals. We may transmit non-personally identifiable website usage information to third parties to show you advertising for pesonalfinanceacademy.com and www.moneycoachmaster.com when you visit other sites.

Analytics, Log Files, and Reading History

We gather certain information automatically and store it in log files. This information may include IP addresses, browser type, operating system, and other usage information about the use of Our Services, including a history of the pages You view.

We may combine this automatically collected log information with other information We collect about You. We do this to improve the services we offer You, including customized recommendations, advertising, to improve marketing, and to track access and use of Our Services across the devices that You may use to access Our Services.

We have hired third parties to provide us information, reports, and analysis of our users’ usage and browsing patterns. They may independently record the type of device and operating system. You are using general location information and events that occur on Our Website, such as how often you use Our Website.

Third-party Persons or Entities with Whom We Share Personally Identifiable Information

We will not sell, rent, swap, or authorize any third party to use your email address.

We may share information about our audience in aggregate or de-identified form. Nothing in this Privacy Policy is intended to indicate a restriction of Our use or sharing of aggregated or de-identified information in any way.

Disclosure by Necessity We may occasionally access, preserve, and/or disclose personal information as required by law, for example, to comply with a court order or subpoena or we have a good faith belief that such action is necessary to:

Comply with the law or with legal process
Comply and defend our rights and property
Protect against misuse or unauthorized use of Our Services; or
protect the personal safety or property of our users or the public (among other things, this means that if you provide false information or attempt to pose as someone else, information about you may be disclosed as part of any investigation into your actions).

As we continue to develop our business, We or Our affiliates may sell or buy other businesses or entities, or we may merge with another company or be bought by another company. In such transactions, personal information may be among the transferred assets. Your information may be stored and processed in any country in which we maintain facilities or conduct operations. By using our Website, your personal information may be transferred outside of your country of use and/or residence.

When your account becomes inactive, your information may remain in our computers, electronic databases, and archives and may not be reasonably capable of expungement

Miscellaneous

Children’s Guidelines COPPA Compliance. We do not knowingly collect or store any personal information about children under the age of 13.

Amendments

We may amend this Privacy Policy at any time and without notice, but only by amending this Policy as posted on our Websites. Any amendments will become effective 30 days after being posted on our Websites unless circumstances require that a change be immediately implemented.