Privacy Policy

Last updated: January 28, 2021

PLEASE READ OUR PRIVACY POLICY, TERMS AND CONDITIONS AND DISCLAIMERS BELOW CAREFULLY BEFORE USING THIS WEBSITE. If you do not want to agree to the privacy policy, you may not access or use this website.

Who we are

www.consciousdebtfreelife.com  (“website” ) is owned and operated by Dee (“us,” “we” or “our”). The website hereinafter referred to as the “Service”.

This page informs you of our policies regarding the collection, use and disclosure of personal data when you use our service and the choices you have associated with that data. This Privacy Policy explains what information we collect from you, how we use that information, when/if we disclose that information to third parties, how we protect your information, and your rights as a user of this site and owner of your information.

This Privacy Policy only applies to this website and to the communications, products, and services provided through this website. It does not apply to any third-party site or service linked to, recommended by, or referred by this website.

We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, the terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible from www.consciousdebtfreelife.com.

Definitions

  • Service
    Service is the www.consciousdebtfreelife.com website operated by Dee.
  • Personal Data
    Personal Data means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).
  • Usage Data
    Usage Data is data collected automatically either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
  • Cookies
    Cookies are small files stored on your device (computer or mobile device).
  • Data Controller
    Data Controller means the natural or legal person who (either alone or jointly or in common with other persons) determines the purposes for which and the manner in which any personal information are, or are to be, processed.

    For the purpose of this Privacy Policy, we are a Data Controller of your Personal Data.
  • Data Processors (or Service Providers)
    Data Processor (or Service Provider) means any natural or legal person who processes the data on behalf of the Data Controller.

    We may use the services of various Service Providers in order to process your data more effectively.
  • Data Subject (or User)
    Data Subject is any living individual who is using our Service and is the subject of Personal Data.

Acceptance of our Terms

By accessing or using the contents of this website or otherwise using any of the services, products or information created, collected, compiled, or submitted to www.consciousdebtfreelife.com in any way, you agree to and are bound by the terms, conditions, policies, notices, and disclaimers contained on this page ( these “Terms”).

Information Collection and Use

We collect several different types of information for various purposes to provide and improve our Service to you.

Types of Data Collected

Personal Data

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally, identifiable information may include, but is not limited to:

  • Email address
  • Cookies and Usage Data

We may use your Personal Data to contact you with newsletters, marketing or promotional materials, and other information that may be of interest to you. You may opt-out of receiving any, or all, of these communications from us by following the unsubscribe link or the instructions provided in any email we send. In general, the Personal Information you provide to us is used to help us communicate with you. For example, we use Personal Information to contact users in response to questions, solicit feedback from users, provide technical support, and inform users about promotional offers.

If you make a purchase from this website, we may collect name, email address, telephone number, address, and/or credit card number. We use third party vendors to process payments. By making a purchase, you give them access to personal data including your name, email address, and credit card information. We do our best to choose vendors carefully. However, we are not liable for any data breaches and are not responsible for any damages or harm incurred as a result of these third-party vendors. We only have access to your name and email when you make a purchase. We do not have access your credit card information.

Usage Data

Non-Personal Information:

In general, we use Non-Personal Information to help us improve the Service and customize the user experience. We also aggregate Non-Personal Information in order to track trends and analyze use patterns on the Site. This Privacy Policy does not limit in any way our use or disclosure of Non-Personal Information and we reserve the right to use and disclose such Non-Personal Information to our partners, advertisers and other third parties at our discretion.

In the event we undergo a business transaction such as a merger, acquisition by another company, or sale of all or a portion of our assets, your Personal Information may be among the assets transferred. You acknowledge and consent that such transfers may occur and are permitted by this Privacy Policy, and that any acquirer of our assets may continue to process your Personal Information as set forth in this Privacy Policy. If our information practices change at any time in the future, we will post the policy changes to the Site so that you may opt out of the new information practices. We suggest that you check the Site periodically if you are concerned about how your information is used.

We may also collect information on how the Service is accessed and used (“Usage Data”). This Usage Data may include information such as your computer’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

Tracking & Cookies Data

We use cookies and similar tracking technologies to track the activity on our Service and we hold certain information.

Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Other tracking technologies are also used such as beacons, tags and scripts to collect and track information and to improve and analyze our Service.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service. We may have third-party content and/or advertisements on this Site that use cookies. We do not have control over these third-party cookies. If you have any questions or concerns, you should contact the third-party directly.

Types of cookies we use

  • Strictly necessary cookies: These cookies are used to browse the Site and use its features. This includes things like saving your sessions, login details, and other information required to carry out other activities. These are used to save your browsing preferences and optimize your experience on the Site.
  • Analytics cookies:  These cookies are used to track where you go on the Site and when you visit. This information is used to track traffic to the Site and may be used to personalize ads.
  • Security cookies: These cookies are used to detect malware, viruses, and monitor for breaches to our Terms of Use
  • Customization cookies:  These cookies allow the Site to save your information like logins and usernames to make it easier for you to use the Site.
  • Social media cookies and pixels: These cookies make it possible to share Site content on social media like Facebook, Pinterest, Twitter and other external platforms.
  • Targeting or advertising cookies:These cookies are used to monitor your browsing activity before and after you use the Site to personalize ads relevant to your interests. This information may be shared with third party ad networks.

We may change this Cookie Policy at any time to reflect changes to cookie practices by posting a new version on this page or a successor page. The new version will become effective on the date it’s posted, which will be listed at the top of the page as the new “Effective Date”.

If you have any questions or comments about this Cookie Policy, please contact us at contact@consciousdebtfreelife.com.

Use of Data

www.consciousdebtfreelife.com uses the collected data for various purposes:

  • To provide and maintain our Service
  • To notify you about changes to our Service
  • To allow you to participate in interactive features of our Service when you choose to do so
  • To provide customer support
  • To gather analysis or valuable information so that we can improve our Service
  • To monitor the usage of our Service
  • To detect, prevent and address technical issues
  • To provide you with news, special offers, and general information about other goods, services, and events which we offer that are similar to those that you have already purchased or inquired about unless you have opted not to receive such information

Legal Basis for Processing Personal Data under the General Data Protection Regulation (GDPR)

If you are from the European Economic Area (EEA), www.consciousdebtfreelife.com legal basis for collecting and using the personal information described in this Privacy Policy depends on the Personal Data we collect and the specific context in which we collect it.

www.consciousdebtfreelife.com may process your Personal Data because:

  • We need to perform a contract with you
  • You have given us permission to do so
  • The processing is in our legitimate interests and it is not overridden by your rights
  • To comply with the law

Retention of Data

www.consciousdebtfreelife.com  will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes and enforce our legal agreements and policies.

www.consciousdebtfreelife.com will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer periods.

Transfer of Data

Your information, including Personal Data, may be transferred to – and maintained on – computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.

If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to United States and process it there.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

This website will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure of Data

Legal Requirements

Author and owner of www.consciousdebtfreelife.com may disclose your Personal Data in the good faith belief that such action is necessary to:

  • To comply with a legal obligation
  • To protect and defend the rights or property of author and owner of www.consciousdebtfreelife.com
  • To prevent or investigate possible wrongdoing in connection with the Service
  • To protect the personal safety of users of the Service or the public
  • To protect against legal liability

Third-party service providers

  • We may use third-party vendors to provide various services on this Site. These third-party services will be governed by their individual privacy policies. If you have any questions about these third-parties’ privacy practices, you should consult their specific privacy policies or reach out to them directly. We use the following third-party providers:
  • Email service provider—we use Mailerlite as our email service provider. We use Mailerlite to collect names and email addresses and to use that information to deliver email newsletters, updates, and/or email marketing.
  • Payment processor—we use Gumroad to host our digital products and they process payments for our e-commerce business. Gumroad will have access to your personal data including name, address, and credit card number. However, we only receive information to fulfill your order and have no access to your payment information. 
  • Other third parties

We may disclose personally identifiable information to contractors, service providers, and other third parties we use to reasonably support our business. We will only share your personal data with these third-parties to the extent necessary to provide our product and/or services to you.

  • In the event our business, or a portion thereof, is sold, or otherwise transferred, including bankruptcy, we may share personal data in connection with this transaction. 

Security of Data

The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security. We implement security measures designed to protect your information from unauthorized access. Your account is protected by your account password and we urge you to take steps to keep your personal information safe by not disclosing your password and by logging out of your account after each use. We further protect your information from potential security breaches by implementing certain technological security measures including encryption, firewalls, and secure socket layer (SSL) technology. However, these measures do not guarantee that your information will not be accessed, disclosed, altered, or destroyed by breach of such firewalls and secure server software. By using our Service, you acknowledge that you understand and agree to assume these risks.

Our Policy on “Do Not Track” Signals under the California Online Protection Act (CalOPPA)

We do not support Do Not Track (“DNT”). Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked.

You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser.

California Privacy Rights

As a California resident, you may request certain information regarding our disclosure of your personal data to third parties for their marketing purposes. To request this information, please contact us.

Rights under CCPA

If you are a California resident, you have certain rights under CCPA (California Consumer Protection Act), subject to an identification and verification process. You have a right to:

  • Know about Personal Information that is collected, disclosed, or sold;
  • Request deletion of personal information
  • Opt-out of the sale of personal information
  • Non-discrimination for the exercise of your consumer privacy rights

We will not discriminate against you for exercising your consumer privacy rights. However, we may charge a different price or offer discounts, to the extent that doing so is reasonably related to the value of the applicable data. We may also offer financial incentives for the collection, sale, retention, and use of your Personal Information as permitted by the CCPA; such offers may result in different prices, rates, or quality levels, as long as they are reasonable.

We do not sell your personal information to third parties. However, If you want to exercise any of these privacy rights, you may If you wish to opt-out of the sale of your personal information, please visit our “Do Not Sell My Personal Information” page.

You can exercise these rights by contacting us at contact@consciousdebtfreelife.com. You can exercise these rights up to twice in a 12-month period, free of charge and your request will be processed as soon as possible and within 45 days.

Your Data Protection Rights under the General Data Protection Regulation (GDPR)

If you are a resident of the European Economic Area (EEA), you have certain data protection rights. We aim to take reasonable steps to allow you to correct, amend, delete or limit the use of your Personal Data.

If you wish to be informed about what Personal Data we hold about you and if you want it to be removed from our systems, please contact us.

In certain circumstances, you have the following data protection rights:

  • The right to access, update or delete the information we have on you. Whenever made possible, you can access, update or request deletion of your Personal Data directly within your account settings section. If you are unable to perform these actions yourself, please contact us to assist you.
  • The right of rectification. You have the right to have your information rectified if that information is inaccurate or incomplete.
  • The right to object. You have the right to object to our processing of your Personal Data.
  • The right of restriction. You have the right to request that we restrict the processing of your personal information.
  • The right to data portability. You have the right to be provided with a copy of the information we have on you in a structured, machine-readable and commonly used format.
  • The right to withdraw consent. You also have the right to withdraw your consent at any time where we relied on your consent to process your personal information.

Please note that we may ask you to verify your identity before responding to such requests.

You have the right to complain to a Data Protection Authority about our collection and use of your Personal Data. For more information, please contact your local data protection authority in the European Economic Area (EEA).

Service Providers

We may employ third party companies and individuals to facilitate our Service (“Service Providers”), provide the Service on our behalf, perform Service-related services or assist us in analyzing how our Service is used.

These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Analytics

We may use third-party Service Providers to monitor and analyze the use of our Service.

  • Google Analytics

    Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.

    You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js and dc.js) from sharing information with Google Analytics about visits activity.

    For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en

Advertising

We may use third-party Service Providers to show advertisements to you to help support and maintain our Service. These advertisers may collect, use, store and disclose data and information collected from visitors, including information related to your demographic information. Our advertising partners include Google Adsense, Amazon.com, Vitacost. Each of these advertising partners has their own privacy policy for their site, which you can review at each of their sites.

  • Google AdSense & DoubleClick Cookie

    Google, as a third-party vendor, uses cookies to serve ads on our Service. Google’s use of the DoubleClick cookie enables it and its partners to serve ads to our users based on their visit to our Service or other websites on the Internet.

    You may opt out of the use of the DoubleClick Cookie for interest-based advertising by visiting the Google Ads Settings web page: http://www.google.com/ads/preferences/

You can also turn off the use of cookies at any time in your browser’s settings. Please refer to the help section of your browser for instructions on how to do this. If you choose to disable cookies, this may affect your ability to access or use some portions of our Website.

Comments

When you leave a comment on this website, you are giving implied consent for this comment and your information to appear on our website. In leaving a comment, your name and email address will not be shared with any third party. We may use your email address solely to respond to your comment. However, we are not liable or responsible for the actions of other individuals and the unauthorized use by such information that you’re voluntarily sharing. 

We have public social media accounts and social sharing options on our website. If you choose to interact on social media with us or our accounts, you are advised that any interactions on those accounts are publicly available.

If you choose to share a testimonial on this Website, we will first obtain your written permission via email before including your name and testimonial on our website.

When you leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection. Submissions in the comment and other contact forms deemed spam by Akismet will be automatically filtered out and never posted on this website.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

This website is designed to be a supportive community for like-minded people and our patients. As such, you agree that you will not

  • use hateful, abusive, offensive, derogatory, or obscene language towards anyone here
  • threaten others with personal attack and or violence using written words and emoticons
  • post any material that infringes another person’s intellectual property rights
  • use (or attempt to use) another person’s account and or gravatar

If you do any of the above things, we may remove your content without giving any prior notice.

Media

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Contact forms

When you contact us by submitting a contact us form, you simultaneously grant this website an irrevocable, non-exclusive, sub-licensable, worldwide, royalty-free license. We need these licenses so that we can perform the services and or content you registered for. This license allows us to store and show your content to other users of this website. This license DOES NOT allow us to sell your content, publish, display, modify it.

If you send us correspondence, such as e-mails, letters, photos, videos we may retain that information. Your information collected when you send a query or inquiry may be stored in our query management system.

Links to Other External Sites

Our Service may contain links to other sites that are not operated by us. If you click a third-party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit via the external links in this website. Due to the dynamic nature of the internet, certain links and website information contained in this website may have changed, since the time we posted these links here. These external website links are not provided or maintained by or in any way affiliated with www.consciousdebtfreelife.com.

These external linked websites are not under the control of our website in any way. Therefore, our website makes no representations to the accuracy, relevance, timeliness, or completeness of any information on these external websites.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services. Please check our Disclaimers for external links here- (ADD link to Disclaimers)

Children’s Privacy

Our Service does not address anyone under the age of 18 (“Children”).

Our service or website is not intended for children under 13 years of age. No one under age 13 may provide any information to or on the website. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on this website or on or through any of its features/register on the website, make any payments through the website, use any of the interactive public comment features of this website or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may have.

If we learn that we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us.

We are committed to complying with the Children’s Online Privacy Protection Act (COPPA). Schools and parents should supervise their children’s online activities and consider the use of other appropriate means to provide a child-friendly, online environment, if you would like to learn more about COPPA, visit the Federal Trade Commission home page at https:www.ftc.gov

If you are living in the EU and are under the age of 16, it is required by law that you obtain consent from your parents and/or legal guardian before subscribing to an email list. We do not target, cater to or provide products or services for 16 years and under and thus do not have a parental or legal guardian approval process.

Accessibility

If you or someone you know, wish to receive this privacy notice in a different format, such as large print, braille, audio recording, or translated into a different language, please contact us directly on jmirman@demystify.com

Your consent

By using our site, you consent to our website’s privacy policy and Terms of Use

Changes to This Privacy Policy

These terms of service and Privacy policy is subject to change. We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the “effective date” at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page. If you do not agree to the privacy policy and terms of conditions updates, you may cancel your email newsletter subscription and may not visit this website.  The revised terms and policies will apply to you if you decide to continue with your email subscription to our email Newsletter.

Contact Us

If you have any questions about this Privacy Policy, please contact us: contact@consciousdebtfreelife.com

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