PRIVACY POLICY

1. INTRODUCTION

ChiroWealth Learning Systems ("ChiroWealth," "we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or communicate with us.

Please read this Privacy Policy carefully. By accessing or using our website and services, you acknowledge that you have read, understood, and agree to be bound by all terms of this Privacy Policy. If you do not agree with our policies and practices, please do not use our website or services.

2. INFORMATION WE COLLECT

We may collect several types of information from and about users of our website and services, including:

2.1 Personal Information

Personal information is data that can be used to identify you individually. We may collect the following categories of personal information:

• Identification Information: Name, email address, postal address, phone number, professional credentials
• Professional Information: Practice name, specialty, years in practice
• Financial Information: Information provided through financial assessments, calculators, or consultations
• Account Information: Username, password, account preferences
• Communication Information: Information provided in emails, contact forms, or other communications with us

2.2 Non-Personal Information

We may also collect information that does not directly identify you, including:

• Usage Data: Information about how you use our website and services, including browsing patterns, clicked links, and feature usage
• Device Information: IP address, browser type, operating system, device information, and internet connection information
• Location Information: General location derived from IP address

3. HOW WE COLLECT INFORMATION

We collect information in the following ways:

3.1 Information You Provide

We collect information that you voluntarily provide when you:

• Register for an account
• Fill out forms on our website
• Subscribe to newsletters or communications
• Request consultations or services
• Participate in surveys, webinars, or events
• Contact our customer support
• Use our financial calculators or assessment tools

3.2 Automated Collection Technologies

We may use the following technologies to automatically collect information:

• Cookies: Small data files stored on your device
• Web Beacons: Small electronic files that permit us to count users who have visited certain pages
• Pixels: Tiny graphic images that allow us to monitor user behavior
• Analytics Tools: Third-party tools that help us understand how users engage with our website

3.3 Third-Party Sources

We may receive information about you from third-party sources, such as:

• Business partners
• Marketing agencies
• Public databases
• Social media platforms (if you connect your social media account to our services)

4. HOW WE USE YOUR INFORMATION

We use your information for various purposes, including to:

4.1 Provide Our Services

• Create and manage your account
• Process payments and fulfill transactions
• Provide the services you request
• Generate personalized financial analyses and recommendations
• Respond to your inquiries and support requests

4.2 Improve Our Services

• Analyze usage patterns and trends
• Develop new products and services
• Enhance existing features and functionality
• Conduct research and analysis

4.3 Communicate With You

• Send administrative messages and updates
• Provide newsletters and marketing communications
• Inform you about products, services, and events
• Respond to your comments and questions

4.4 Marketing and Promotion

• Deliver targeted content and advertisements
• Send promotional emails and materials (subject to your preferences)
• Offer special opportunities and promotions

4.5 Legal and Security Purposes

• Protect our rights, property, or safety, and that of our users
• Detect and prevent fraud, abuse, and security incidents
• Comply with legal obligations and enforce our terms and policies
• Establish, exercise, or defend legal claims

5. INFORMATION SHARING AND DISCLOSURE

We may share your information with the following parties:

5.1 Service Providers

We may share your information with third-party vendors, service providers, contractors, or agents who perform services on our behalf, such as:

• Payment processors
• Email and communication service providers
• Data analytics providers
• Customer relationship management systems
• Hosting and cloud storage providers
• Marketing and advertising partners

These service providers are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.

5.2 Business Transfers

If we are involved in a merger, acquisition, sale of assets, bankruptcy, reorganization, dissolution, or similar transaction or proceeding, your information may be transferred as part of that transaction. We will notify you via email and/or prominent notice on our website of any change in ownership or uses of your personal information.

5.3 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency). We may also disclose your information to:

• Enforce our Terms of Service and other agreements
• Protect and defend our rights, property, or safety
• Prevent or investigate possible wrongdoing in connection with our services
• Protect against legal liability

5.4 With Your Consent

We may share your information with third parties when you have consented to such disclosure.

6. DATA SECURITY

We have implemented appropriate technical and organizational security measures to protect your personal information from accidental loss, unauthorized access, use, alteration, or disclosure. All information you provide to us is stored on secure servers behind firewalls.

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. You are responsible for maintaining the confidentiality of your account credentials and for restricting access to your computer or device.

7. YOUR RIGHTS AND CHOICES

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

7.1 Access and Update

You may review and update your account information by logging into your account or by contacting us directly.

7.2 Marketing Communications

You can opt out of receiving promotional emails by following the unsubscribe instructions in those emails. Even if you opt out, you may still receive non-promotional messages, such as those about your account or our ongoing business relations.

7.3 Cookies and Tracking Technologies

Most web browsers are set to accept cookies by default. You can usually choose to set your browser to remove or reject cookies. Please note that if you choose to remove or reject cookies, this could affect the availability and functionality of our website.

7.4 Do Not Track Signals

Some browsers have a "Do Not Track" feature that lets you tell websites that you do not want to have your online activities tracked. Our website currently does not respond to "Do Not Track" signals.

7.5 Additional Rights for Certain Jurisdictions

Depending on your jurisdiction, you may have additional rights, such as:

• Right to Know/Access: You may request information about the personal information we collect, use, disclose, or sell
• Right to Delete/Erasure: You may request deletion of your personal information
• Right to Data Portability: You may request a copy of your personal information in a structured, commonly used, machine-readable format
• Right to Object/Opt-Out: You may object to certain processing of your personal information
• Right to Correction: You may request correction of inaccurate personal information
• Right to Restrict Processing: You may request restriction of processing of your personal information

To exercise these rights, please contact us using the information in the "Contact Us" section below.

8. RETENTION OF INFORMATION

We retain your personal information for as long as necessary to fulfill the purposes for which we collected it, including to satisfy any legal, accounting, or reporting requirements. To determine the appropriate retention period, we consider the amount, nature, and sensitivity of the information, the potential risk of harm from unauthorized use or disclosure, the purposes for which we process the information, whether we can achieve those purposes through other means, and applicable legal requirements.

9. CHILDREN'S PRIVACY

Our website and services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us, and we will take steps to delete such information.

10. THIRD-PARTY WEBSITES AND SERVICES

Our website may contain links to third-party websites, plug-ins, and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. We encourage you to read the privacy policy of every website you visit.

11. COOKIE POLICY

11.1 What Are Cookies

Cookies are small data files that are placed on your device when you visit a website. Cookies are widely used to make websites work more efficiently and provide information to the website owners.

11.2 Types of Cookies We Use

• Essential Cookies: Necessary for the website to function properly
• Preference Cookies: Enable the website to remember your preferences and settings
• Analytics Cookies: Help us understand how visitors interact with our website
• Marketing Cookies: Used to track visitors across websites to display relevant advertisements

11.3 Managing Cookies

You can set your browser to refuse all or some browser cookies or to alert you when websites set or access cookies. However, if you disable or refuse cookies, some parts of our website may not function properly.

12. INTERNATIONAL DATA TRANSFERS

We are based in the United States, and your information may be transferred to, stored, and processed in the United States or other countries where our service providers maintain facilities. These countries may have data protection laws that are different from those in your country.

We will take appropriate measures to ensure that your personal information remains protected in accordance with this Privacy Policy. By providing your information, you consent to this international transfer, storage, and processing.

13. CHANGES TO THIS PRIVACY POLICY

We may update our Privacy Policy from time to time. If we make material changes, we will notify you through a notice on our website or, in some cases, by email, prior to the changes becoming effective. Your continued use of our services after we post any modifications to the Privacy Policy will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy.

The date this Privacy Policy was last revised is identified at the top of the page. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.