Privacy Policy

1. Scope

This Privacy Policy describes how Willowpoint Mind & Money (“we,” “us,” “our”) collects, uses, and shares information when you access our website, purchase a course, or interact with our learning services.

2. Data we collect

• Account data: name, email, and password (hashed).
• Transaction data: course purchases, amounts, and timestamps.
• Learning data: progress, reflections you choose to store on our servers (local-only notes remain on your device).
• Technical data: IP address, device type, and approximate location derived from IP.
• Support data: messages sent via the contact form.

3. How we use data

We use data to provide and improve courses, authenticate accounts, process payments, communicate service updates, personalize learning paths, and meet legal obligations. We do not sell personal information.

4. Cookies and preferences

We use essential cookies for security and session continuity, and optional analytics cookies to improve content. You control non-essential cookies via the cookie banner. Your choice is stored locally on your device.

5. Sharing and disclosures

We may share data with service providers under contract (e.g., payment processors) who must safeguard data and use it only for our purposes. We may disclose data to comply with law or protect our rights.

6. Security

We apply reasonable administrative, technical, and physical measures to protect information. No method is 100% secure; please use strong passwords and enable available safeguards.

7. Retention

We keep personal data only as long as necessary to provide services, meet legal requirements, and resolve disputes. We may retain anonymized, aggregated data for research and reporting.

8. Your rights

Depending on your location, you may request access, correction, deletion, data portability, or objection to processing. We will respond within a reasonable timeframe subject to verification.

9. Children

Our services are not directed to children under 16. If we learn we collected data from a child, we will delete it promptly.

10. International transfers

If you access our services from outside the United States, your data may be transferred to and processed in the United States. We take steps to protect your information in accordance with this Policy.

11. Changes to this policy

We may update this Policy to reflect operational, legal, or regulatory changes. The effective date will be updated, and material changes will be announced on our site.

12. Contact

Questions about this Policy? Contact us at [email protected] or +1 (415) 555-0162.