Privacy Policy

Privacy Policy

Last updated: [current date]

1. Introduction

This Privacy Policy describes how Calendar to Cash ("we," "us," or "our") collects, uses, shares, and protects your personal information when you visit our website at https://www.calendar2cash.com, use our services, or otherwise interact with us. Calendar to Cash provides coaching and consulting services to help clients optimize their business operations and revenue.

This policy applies to all personal information we collect through our website, email communications, SMS messages, phone calls, and any other interactions you have with us. By using our services or providing us with your personal information, you acknowledge that you have read and understood this Privacy Policy.

If you have questions or concerns about this policy or our data practices, please contact us using the information provided in the Contact Us section below.

2. Information We Collect

We collect several types of information from and about you:

Information you provide directly: When you fill out forms on our website, sign up for our services, register for coaching programs, subscribe to our email list, request information, or contact us, we collect your name, email address, phone number, and any other information you choose to provide. If you submit questions, feedback, testimonials, or other content, we collect that information as well.

Payment information: When you purchase our services, our third-party payment processor collects your payment card details, billing address, and transaction information. We do not store complete payment card numbers on our systems; this information is handled securely by our payment processor in compliance with payment card industry standards.

Information collected automatically: When you visit our website, we automatically collect certain technical information, including your IP address, browser type and version, device type and identifiers, operating system, referring and exit pages, pages viewed, time spent on pages, and clickstream data. We also collect approximate geographic location based on your IP address.

Cookies and similar technologies: We use cookies, web beacons, and similar tracking technologies to collect information about your browsing behavior and preferences. For detailed information about our use of cookies, please see our Cookie Policy.

Communications data: When you communicate with us via email, SMS, phone, or other channels, we collect and retain the content of those communications, along with metadata such as date, time, and sender information.

3. How We Use Your Information

We use the personal information we collect for the following purposes:

Service delivery and performance: To provide you with the coaching and consulting services you have purchased or requested, including scheduling sessions, delivering course materials, providing access to member areas, and fulfilling our contractual obligations to you.

Payment processing: To process payments, verify transactions, prevent fraud, and maintain accurate financial records.

Communications: To send you transactional emails and SMS messages related to your account, purchases, and services (such as confirmations, receipts, reminders, and service updates). We also use your contact information to send marketing communications about our services, programs, promotions, and content that may interest you, subject to your consent and communication preferences.

Customer support: To respond to your inquiries, provide technical assistance, troubleshoot problems, and deliver customer service.

Analytics and improvement: To understand how visitors use our website and services, analyze trends and user behavior, measure the effectiveness of our marketing campaigns, and improve our offerings, website functionality, and user experience.

Security and fraud prevention: To protect our business, our users, and third parties from fraud, abuse, unauthorized access, and other harmful or illegal activity; to verify identity; and to maintain the security and integrity of our systems.

Legal compliance: To comply with applicable laws, regulations, legal processes, and enforceable governmental requests; to enforce our Terms of Service and other agreements; and to protect our rights, property, and safety.

4. Legal Bases for Processing

For visitors and users located in the European Union, United Kingdom, or other jurisdictions governed by the General Data Protection Regulation (GDPR) or similar laws, we process your personal information based on the following legal grounds:

Consent: When you have given us clear, affirmative consent to process your personal information for specific purposes, such as subscribing to marketing communications or accepting cookies beyond strictly necessary ones. You may withdraw your consent at any time.

Performance of a contract: When processing is necessary to fulfill our contractual obligations to you, such as delivering the coaching or consulting services you have purchased or taking steps at your request prior to entering into a contract.

Legitimate interests: When processing is necessary for our legitimate business interests or those of a third party, provided those interests are not overridden by your fundamental rights and freedoms. Our legitimate interests include operating and improving our business, marketing our services to existing clients, preventing fraud and abuse, and maintaining security.

Legal obligation: When we must process your information to comply with applicable laws, regulations, court orders, or other legal requirements.

5. How We Share Your Information

We share your personal information only in the following circumstances:

Service providers and processors: We share information with third-party vendors, consultants, and service providers who perform functions on our behalf and require access to your information to do that work. These include payment processors (to handle transactions), email service providers (to send communications), SMS providers (to deliver text messages), website hosting and infrastructure providers, analytics services (to understand usage patterns), customer relationship management platforms, and other technology and professional service providers. These parties are contractually obligated to use your information only as necessary to provide services to us and to protect your information consistent with this policy.

Legal and safety disclosures: We may disclose your information if required to do so by law or in response to valid requests by public authorities (such as a court, government agency, or law enforcement). We may also disclose information when we believe in good faith that disclosure is necessary to protect our rights, your safety or the safety of others, investigate fraud or security issues, or respond to a legal process.

Business transfers: If we are involved in a merger, acquisition, financing, reorganization, bankruptcy, or sale of all or a portion of our assets, your information may be transferred or shared as part of that transaction. We will notify you via email or prominent notice on our website of any change in ownership or use of your personal information.

With your consent: We may share your information for any other purpose with your explicit consent.

We do not sell personal information: Calendar to Cash does not sell your personal information to third parties for monetary or other valuable consideration. California residents have the right to opt out of the sale or sharing of personal information; because we do not engage in these practices, there is no need to submit an opt-out request on this basis.

6. Marketing Communications and Your Choices

Email marketing: We may send you marketing emails about our services, programs, content, and promotions. Every marketing email includes an unsubscribe link that allows you to opt out of future marketing messages. You may also unsubscribe by contacting us directly at brad@bcdatainsights.com. Even if you opt out of marketing emails, we will still send you transactional and service-related messages necessary to provide our services.

Our email marketing practices comply with the CAN-SPAM Act. We clearly identify ourselves as the sender, provide accurate subject lines, include our physical mailing address, and honor opt-out requests promptly.

SMS marketing: If you provide your mobile phone number and opt in to receive text messages from us, we may send you SMS messages with service updates, reminders, and marketing content. By opting in, you provide your prior express written consent to receive such messages, as required by the Telephone Consumer Protection Act (TCPA). Message and data rates may apply. You can opt out of SMS messages at any time by replying STOP to any message. Reply HELP for assistance. We use third-party SMS providers to deliver these messages, and standard carrier and messaging rates apply.

You represent that you are the authorized user of the phone number you provide and that you have the authority to consent to receive messages at that number.

7. Cookies and Tracking Technologies

We use cookies, web beacons, pixels, and similar tracking technologies to collect information about your browsing activity, remember your preferences, authenticate users, analyze website usage, and deliver targeted advertising. Some cookies are essential for our website to function, while others help us improve your experience or understand how you interact with our content.

For detailed information about the types of cookies we use, their purposes, how long they remain active, and how you can manage your cookie preferences, please review our Cookie Policy. You can control cookies through your browser settings, but disabling certain cookies may limit your ability to use some features of our website.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law. The specific retention period depends on the nature of the information and the purpose for which it was collected.

Account and service data: We retain information related to your account, purchases, and use of our services for the duration of our relationship and for a reasonable period afterward to handle inquiries, resolve disputes, enforce our agreements, and comply with legal and tax obligations. This is typically at least seven years from the last transaction or interaction.

Marketing data: We retain contact information for marketing purposes until you unsubscribe or request deletion, or until we determine the information is no longer relevant or accurate.

Technical and analytics data: We retain automatically collected technical data and aggregated analytics for a limited period necessary to analyze trends and improve our services, typically no more than 24 to 36 months.

When we no longer need your information, we securely delete or anonymize it so that it cannot be linked back to you.

9. Data Security

We implement reasonable technical, administrative, and physical safeguards designed to protect your personal information from unauthorized access, use, disclosure, alteration, and destruction. These measures include encryption of data in transit using SSL/TLS protocols, secure storage systems, access controls that limit who can view your information, regular security assessments, and employee training on data protection practices.

However, no method of transmission over the internet or electronic storage is completely secure. While we strive to protect your information using industry-standard practices, we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of any passwords or account credentials and for notifying us immediately if you suspect unauthorized access to your account.

10. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

Rights under GDPR (EU/UK visitors): If you are located in the European Union or United Kingdom, you have the following rights:

• Access: You can request a copy of the personal information we hold about you and information about how we process it.
• Rectification: You can request that we correct inaccurate or incomplete personal information.
• Erasure: You can request that we delete your personal information in certain circumstances, such as when it is no longer necessary for the purposes for which it was collected or if you withdraw consent.
• Restriction: You can request that we restrict processing of your information in certain situations, such as while we verify its accuracy or assess your objection to processing.
• Data portability: You can request a copy of your information in a structured, commonly used, machine-readable format and have it transmitted to another controller where technically feasible.
• Object: You can object to processing based on legitimate interests or for direct marketing purposes.
• Withdraw consent: Where we rely on consent as the legal basis for processing, you can withdraw that consent at any time, though this will not affect the lawfulness of processing before withdrawal.

You also have the right to lodge a complaint with a supervisory authority in your jurisdiction if you believe we have violated your data protection rights.

Rights under CCPA/CPRA (California residents): If you are a California resident, you have the following rights under the California Consumer Privacy Act and California Privacy Rights Act:

• Right to know: You can request that we disclose what personal information we collect, use, disclose, and sell about you, including the categories and specific pieces of information, the sources from which it was collected, the purposes for collection, and the categories of third parties with whom we share it.
• Right to delete: You can request that we delete personal information we have collected from you, subject to certain exceptions.
• Right to correct: You can request that we correct inaccurate personal information we maintain about you.
• Right to opt out of sale or sharing: You have the right to opt out of the sale of your personal information or the sharing of your information for cross-context behavioral advertising. As stated above, we do not sell or share personal information for these purposes.
• Right to limit use of sensitive personal information: You can request that we limit our use of sensitive personal information to purposes permitted under California law. We do not use or disclose sensitive personal information for purposes that trigger this right.
• Right to non-discrimination: You have the right not to receive discriminatory treatment for exercising any of your CCPA/CPRA rights.

How to exercise your rights: To submit a request to access, correct, or delete your personal information, or to exercise any other privacy rights, please contact us at brad@bcdatainsights.com or call 3015413745. We will verify your identity before processing your request and respond within the timeframe required by applicable law (typically 30 to 45 days). You may also designate an authorized agent to make a request on your behalf, provided the agent submits proof of authorization.

11. International Data Transfers

Calendar to Cash is based in the United States. If you access our services from outside the United States, please be aware that your information may be transferred to, stored in, and processed in the United States and other countries where our service providers operate. These countries may have data protection laws that differ from those in your jurisdiction.

When we transfer personal information from the European Union, United Kingdom, or other regions with data transfer restrictions, we implement appropriate safeguards to protect your information, such as standard contractual clauses approved by the European Commission or other legally recognized transfer mechanisms. If you would like more information about our international data transfer practices, please contact us.

12. Children's Privacy

Our services are not directed to children under the age of 13 (or under 16 in the European Union and United Kingdom). We do not knowingly collect personal information from children under these ages. If you are a parent or guardian and believe we have collected information from your child without your consent, please contact us immediately at brad@bcdatainsights.com, and we will take steps to delete that information from our systems.

If we become aware that we have collected personal information from a child under the applicable age without proper parental consent, we will delete that information as quickly as possible.

13. Third-Party Links and Services

Our website and communications may contain links to third-party websites, applications, services, or content that are not owned or controlled by Calendar to Cash. This Privacy Policy does not apply to those third-party sites or services. We are not responsible for the privacy practices, content, or security of any third party.

When you click on a third-party link or interact with a third-party service, you are subject to that party's own privacy policy and terms. We encourage you to read the privacy policies of any third-party sites or services you visit or use.

Some third-party services we use (such as payment processors, email platforms, and analytics providers) may collect information directly from you or your device. Their collection and use of information is governed by their own privacy policies.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, legal requirements, or for other operational, legal, or regulatory reasons. When we make changes, we will update the "Last updated" date at the top of this policy.

If we make material changes that significantly affect your rights or how we use your information, we will notify you by email (sent to the email address associated with your account) or by posting a prominent notice on our website prior to the changes taking effect. We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

Your continued use of our services after any changes to this Privacy Policy constitutes your acceptance of the updated policy.

15. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Calendar to Cash Brad Coverdale Email: brad@bcdatainsights.com Phone: 3015413745

For privacy-related inquiries or to exercise your data protection rights, please use the contact information above. We will respond to your request within the timeframe required by applicable law.