PRIVACY POLICY
Pathway316 (“Company,” “we,” “our,” or “us”) is committed to protecting your privacy and ensuring your trust in our services. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you access our website, mobile applications, and services (collectively, the “Services”). By using our Services, you agree to the terms of this Privacy Policy.
Effective Date: September 2, 2024
1. Information We Collect
We may collect the following types of information:
Personal Information: Name, email address, phone number, billing address, payment details, and any information voluntarily provided when creating an account, downloading resources, or subscribing.
Non-Personal Information: Browser type, device information, IP address, geolocation, cookies, and usage statistics.
User-Generated Content: Any data you upload, submit, or share within our Services (such as notes, worksheets, or comments).
2. How We Use Your Information
Your information may be used to:
Provide and improve our Services, resources, and digital tools.
Process payments, manage accounts, and deliver purchased resources.
Communicate with you about updates, offers, and support.
Personalize your experience with faith-based content and financial education.
Ensure compliance with legal and regulatory obligations.
3. Sharing Your Information
We do not sell or rent your personal information. We may share data only in these cases:
With Service Providers: Third-party partners who assist with payments, hosting, analytics, or communications.
For Legal Purposes: If required by law, regulation, or to protect the safety and rights of Pathway316 and its members.
In Business Transfers: If Pathway316 undergoes a merger, acquisition, or restructuring.
Service Providers: Trusted third-party service providers who assist us in delivering our services, such as payment processors, email service providers, and analytics companies. These providers are contractually obligated to protect your information and use it solely for the purposes we specify.
Legal Authorities: Government authorities or other entities when required by law or to protect our rights, property, or safety, or the rights, property, or safety of others.
4. Data Security
We implement industry-standard measures to safeguard your data. However, no system is 100% secure. By using our Services, you acknowledge and accept the risk of unauthorized access beyond our reasonable control.
5. Data Retention
We retain personal information only as long as necessary to provide Services, comply with legal obligations, resolve disputes, and enforce agreements.
6. Your Rights
Depending on your location, you may have the right to:
Access, update, or correct your personal data.
Request deletion of your information (subject to legal and contractual obligations).
Opt out of promotional communications.
Requests can be sent to [email protected].
7. California Privacy Rights (CCPA/CPRA Compliance)
If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):
Right to Know: You may request details about the categories and specific pieces of personal information we collect, use, and disclose.
Right to Delete: You may request deletion of your personal information, subject to exceptions (e.g., legal obligations, completing transactions).
Right to Correct: You may request corrections to inaccurate personal information.
Right to Opt Out: You may opt out of the sale or sharing of your personal information. While we do not “sell” personal data for monetary value, some data sharing may qualify as “sharing” under California law.
Right to Limit Sensitive Data Use: If applicable, you may limit our use of sensitive personal information.
Right Against Discrimination: You will not face discrimination for exercising these rights.
To exercise these rights, California residents may:
Email us at [email protected] with the subject line “California Privacy Request.”
Provide sufficient verification of your identity so we can process your request securely.
We will respond within the timeframes required by California law (generally within 45 days).
8. Refund Policy (Non-Negotiable)
All payments made to Pathway316 are final and non-refundable. By purchasing any product, membership, or subscription, you acknowledge that:
Refund requests will not be honored once payment is processed.
This policy is strict, binding, and non-negotiable.
We encourage members to review all resources and offerings carefully before completing payment.
9. Third-Party Links & Services
Our Services may contain links to third-party websites or applications. We are not responsible for the privacy practices, content, or security of such external sites.
10. Children’s Privacy
Our Services are not directed toward children under 13 (or under 16 in jurisdictions with higher age requirements). We do not knowingly collect information from children. If we become aware that such data has been collected, we will delete it promptly.
11. International Users
If you access our Services from outside the United States, you consent to your data being processed and stored in the U.S. and agree to comply with U.S. data laws.
12. Disclaimer
Pathway316 provides faith-based financial education only. We are not licensed financial advisors, attorneys, or tax professionals. All information is for educational and spiritual growth purposes. You remain solely responsible for your financial decisions.
13. Changes to This Policy
We may update this Privacy Policy at any time. Updates will be posted on this page with a revised “Effective Date.” Continued use of our Services after changes means you accept the revised policy.
14. Contact Us
For questions about this Privacy Policy, please contact us:
Pathway316
Email: [email protected]