Privacy Policy

This Privacy Policy describes Austin Cross EFT LLC’s policies and procedures on the collection, use and disclosure of Your information when You use the service and tells You about Your privacy rights and how the law protects You.

We use Your personal data to provide and improve the service. By using the service, You agree to the collection and use of information in accordance with this Privacy Policy.

Interpretation & Definitions

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of this Privacy Policy:

You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Under GDPR (General Data Protection Regulation), You can be referred to as the Data Subject or as the User as you are the individual using the Service.

Company (referred to as either “the Company”, “We”,  “Us” or “Our” in this Agreement) refers to Austin Cross LLC, located at 4370 Chicago Dr. SW #540 Grandville, MI 49418.

For the purpose of the GDPR, the Company is the Data Controller.

Account means a unique account created for You to access our Service or parts of our Service.

Website refers to https://austincrosseft.com/

Services refers to the Website and/or Private Coaching.

Country refers to the United States.

Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Services, to provide the Services on behalf of the  Company, to perform services related to the Services or to assist the Company in analyzing how the Services are used. For the purpose of the GDPR, Service Providers are considered Data Processors.

Third-party Social Media Service refers to any website or any social network website through which a User can log in or create an account to use the Service.

Personal Data is any information that relates to an identified or identifiable individual. For the purposes for GDPR, Personal Data means any information relating to You such as a name, an identification number, location data, online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity.

For the purposes of the CCPA, Personal Data means any information that  identifies, relates to, describes or is capable of being associated with, or could reasonably be linked, directly or indirectly, with You. 

Cookies are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.

Device means any device that can access the Services, such as a computer, a mobile phone or a digital tablet.

Usage Data refers to data collected automatically, either generated by the use of the Services or from the Services  infrastructure itself (for example, the duration of a page visit).

Data Controller, for the purposes of the GDPR (General Data Protection Regulation), refers to the Company as the legal  person which alone or jointly with others determines the purposes and  means of the processing of Personal Data.

Do Not Track (DNT) is a concept that has been promoted by U.S. regulatory authorities, in particular the U.S. Federal Trade Commission (FTC), for the Internet industry to develop and  implement a mechanism for allowing internet users to control the  tracking of their online activities across websites.

Business, for the purpose of the CCPA (California Consumer Privacy Act), refers to the Company as the legal entity that collects Consumers’ personal information and determines the purposes and means of the processing of Consumers’ personal information, or on behalf of which such information is collected and that alone, or jointly with others, determines the purposes and means of the processing of consumers’ personal information, that does business in the State of California.

Consumer, for the purpose of the CCPA (California Consumer Privacy Act), means a natural person who is a California resident. A resident, as defined in the law, includes (1) every individual who is in the U.S. for other than a temporary or transitory purpose, and (2) every individual who is domiciled in the U.S. who is outside the U.S. for a temporary or transitory purpose.

Sale, for the purpose of the CCPA (California Consumer Privacy Act), means selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, a Consumer’s Personal information to another business or a third party for monetary or other valuable consideration.

Collecting & Using Your Personal Data

Personal Data

While using our Services, We may ask You to provide Us with certain personally identifiable information that can be used to contact or  identify You. Personally identifiable information may include, but is  not limited to:

• Email address
• First name and last name
• Phone number
• Address, State, Province, ZIP/Postal code, City
• Bank account information in order to pay for Products and/or Services

Usage Data

When You pay for a Product and/or Service via bank transfer, We may ask You to provide information to facilitate this transaction and to verify Your identity. Such information may include, without limitation:

• Date of birth
• Passport or National ID card
• Bank card statement
• Other information linking You to an address
• Usage Data

Usage Data is collected automatically when using the Services.

Usage Data may include information such as Your Device’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of Our Services that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other  diagnostic data.

When You access the Services by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the  type of mobile Internet browser You use, unique device identifiers and other diagnostic data.

We may also collect information that Your browser sends whenever You  visit Our Services or when You access the Services by or through a mobile device.

Tracking Technologies & Cookies

We use Cookies and similar tracking technologies to track the  activity on Our Services and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Services.

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 parts of our Service.

Cookies can be “Persistent” or “Session” Cookies. Persistent Cookies remain on your personal computer or mobile device when You go offline,  while Session Cookies are deleted as soon as You close your web browser.  Learn more about cookies: What Are Cookies?.

We use both session and persistent Cookies for the purposes set out below:

Type: Session Cookies
Administered by: Us

Purpose — These Cookies are essential to provide You with services available through the Website and to enable You to use some of its  features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked  for cannot be provided, and We only use these Cookies to provide You with those services.

Type: Persistent Cookies
Administered by: Us

Purpose: These Cookies identify if users have accepted the use of cookies on the Website.

Type: Persistent Cookies
Administered by: Us

Purpose — These Cookies allow us to remember choices You make when  You use the Website, such as remembering your login details or language  preference. The purpose of these Cookies is to provide You with a more  personal experience and to avoid You having to re-enter your preferences  every time You use the Website.

Type: Persistent Cookies
Administered by: Third-Parties

Purpose — These Cookies are used to track information about traffic  to the Website and how users use the Website. The information gathered  via these Cookies may directly or indirectly identify you as an  individual visitor. This is because the information collected is  typically linked to a pseudonymous identifier associated with the device  you use to access the Website. We may also use these Cookies to test  new advertisements, pages, features or new functionality of the Website  to see how our users react to them.

Type: Persistent Cookies
Administered by: Third-Parties

Purpose — These Cookies track your browsing habits to enable Us to  show advertising which is more likely to be of interest to You. These Cookies use information about your browsing history to group You with  other users who have similar interests. Based on that information, and with Our permission, third party advertisers can place Cookies to enable  them to show adverts which We think will be relevant to your interests  while You are on third party websites.

For more information about the cookies we use and your choices regarding cookies, please visit our Cookies Policy.

Use of Your Personal Data

The Company may use Personal Data for the following purposes:

• To provide and maintain our Services, including to monitor the usage of our Services.
• To manage Your Account and/or Your registration as a user of the Services. The Personal Data You provide can give You access to different functionalities of the Services that are available to You  as a registered user.
• For the performance of a contract, the development,  compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us  through the Services.
• To contact You by email, telephone, SMS, or other  equivalent forms of electronic communication regarding updates or informative communications related to the functionalities, products or  contracted services, including the security updates, when necessary or  reasonable for their implementation.
• To provide You with news, special offers and general information about  other Products, Services, and Events that we offer that are similar to  those that you have already purchased or enquired about unless You have  opted not to receive such information.
• To manage Your requests

We may share your personal information in the following situations:

• With Service Providers — We may share Your personal information with Service Providers to monitor and analyze the use of our Services, to show advertisements to You to help support and maintain Our Services, to advertise on third party websites to You after You visited our Services, for payment processing, to contact You.
• For Business transfers — We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or  a portion of our business to another company
• With Affiliates — We may share Your information with Our Affiliates, in which case we will require those Affiliates to  honor this Privacy Policy. Affiliates include Our parent company or any  other subsidiaries, joint venture partners or companies that We control  or that are under common control with Us.
• With Business partners — We may share Your information with Our Business Partners to offer You certain Products, Services, Events, or Promotions.
• With Other Users — When You share personal  information or otherwise interact in the public areas with other Users,  such information may be viewed by all users and may be publicly  distributed outside. If You interact with other Users or register  through a Third-Party Social Media Service, Your contacts on the  Third-Party Social Media Service may see Your name, profile, pictures  and description of Your activity. Similarly, other Users will be able to  view descriptions of Your activity, communicate with You and view Your profile.

Retention of Your Personal Data

The Company 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.

The Company 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 time periods.

Transfer of Your Personal Data

Your information, including Personal Data, is processed at the Company’s operating offices and in any other places where the parties  involved in the processing are located. It means that this information  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 than those from Your jurisdiction.

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

The Company will take all 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 Your Personal Data

Business Transactions

If the Company is involved in a merger, acquisition or asset sale,  Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.

Law Enforcement

Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid  requests by public authorities (e.g. a court or a government agency).

Other Legal Requirements

The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:

• Comply with a legal obligation
• Protect and defend the rights or property of the Company
• Prevent or investigate possible wrongdoing in connection with the Services
• Protect the personal safety of Users of the Services or the public
• Protect against legal liability

Security of Your Personal Data

The security of Your Personal 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.

Processing of Your Personal Data

Service Providers have access to Your Personal Data only to perform  their 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 Services.

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.

Advertising

We may use Service Providers to show advertisements to You to help support and maintain Our Services.

Google AdSense & DoubleClick Cookie — Google, as  a third party vendor, uses cookies to serve ads on Our Services.  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.

Email Marketing

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 instructions  provided in any email We send or by contacting Us.

We may use Email Marketing Service Providers to manage and send emails to You.

Behavioral Remarketing

The Company may use remarketing services to advertise on third party websites to You after You visited our Services. We and Our third-party  vendors use cookies to inform, optimize and serve ads based on Your past  visits to our Services.

Google Ads (AdWords) — Google Ads (AdWords) remarketing service is provided by Google Inc. You can opt-out of Google  Analytics for Display Advertising and customise the Google Display  Network ads by visiting the Google Ads Settings page.

Google also recommends installing the Google Analytics Opt-out Browser Add-on for  your web browser. Google Analytics Opt-out Browser Add-on provides  visitors with the ability to prevent their data from being collected and  used by Google Analytics.

For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page.

Payments

We may provide paid products and/or services within the Services. In  that case, we may use third-party services for payment processing (e.g. payment processors).

We will not store or collect Your payment card details. That information is provided directly to Our third-party payment processors  whose use of Your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint  effort of brands like Visa, Mastercard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of payment  information.

PayPal

Their Privacy Policy can be viewed at https://www.paypal.com/webapps/mpp/ua/privacy-full.

When You use Our Service to pay a product and/or service via bank  transfer, We may ask You to provide information to facilitate this  transaction and to verify Your identity.

GDPR Privacy

Legal Basis for Processing Personal Data under GDPR

We may process Personal Data under the following conditions:

• Consent: You have given Your consent for processing Personal Data for one or more specific purposes.
• Performance of a contract: Provision of Personal  Data is necessary for the performance of an agreement with You and/or  for any pre-contractual obligations thereof.
• Legal obligations: Processing Personal Data is necessary for compliance with a legal obligation to which the Company is subject.
• Vital interests: Processing Personal Data is necessary in order to protect Your vital interests or of another natural person.
• Public interests: Processing Personal Data is  related to a task that is carried out in the public interest or in the  exercise of official authority vested in the Company.
• Legitimate interests: Processing Personal Data is necessary for the purposes of the legitimate interests pursued by the Company.

In any case, the Company will gladly help to clarify the specific legal basis that applies to the processing, and in particular whether  the provision of Personal Data is a statutory or contractual  requirement, or a requirement necessary to enter into a contract.

Your Rights under the GDPR

The Company undertakes to respect the confidentiality of Your Personal Data and to guarantee You can exercise Your rights.

You have the right under this Privacy Policy, and by law if You are within the EU, to:

• Request access to Your Personal Data. 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. This  also enables You to receive a copy of the Personal Data We hold about  You.
• Request correction of the Personal Data that We hold about You. You have the right to to have any incomplete or inaccurate information We hold about You corrected.
• Object to processing of Your Personal Data. This  right exists where We are relying on a legitimate interest as the legal  basis for Our processing and there is something about Your particular  situation, which makes You want to object to our processing of Your  Personal Data on this ground. You also have the right to object where We  are processing Your Personal Data for direct marketing purposes.
• Request erasure of Your Personal Data. You have the right to ask Us to delete or remove Personal Data when there is no good reason for Us to continue processing it.
• Request the transfer of Your Personal Data. We will  provide to You, or to a third-party You have chosen, Your Personal Data  in a structured, commonly used, machine-readable format. Please note  that this right only applies to automated information which You  initially provided consent for Us to use or where We used the  information to perform a contract with You.
• Withdraw Your consent. You have the right to  withdraw Your consent on using your Personal Data. If You withdraw Your  consent, We may not be able to provide You with access to certain  specific functionalities of the Services.

Exercising of Your GDPR Data Protection Rights

You may exercise Your rights of access, rectification, cancellation  and opposition by contacting Us. Please note that we may ask You to  verify Your identity before responding to such requests. If You make a  request, We will try our best to respond to You as soon as possible.

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

CCPA Privacy

Your Rights under the CCPA

Under this Privacy Policy, and by law if You are a resident of California, You have the following rights:

• The right to notice. You must be properly notified which categories of Personal Data are being collected and the purposes for which the Personal Data is being used.
• The right to access / the right to request. The CCPA permits You to request and obtain from the Company information regarding the disclosure of Your Personal Data that has been collected in the past 12 months by the Company or its subsidiaries to a third-party for the third party’s direct marketing purposes.
• The right to say no to the sale of Personal Data. You also have the right to ask the Company not to sell Your Personal Data to third parties. You can submit such a request by visiting our “Do Not Sell My Personal Information” section or web page.
• The right to know about Your Personal Data. You have the right to request and obtain from the Company information regarding the disclosure of the following: 
  • The categories of Personal Data collected
  • The sources from which the Personal Data was collected
  • The business or commercial purpose for collecting or selling the Personal Data
  • Categories of third parties with whom We share Personal Data
  • The specific pieces of Personal Data we collected about You
• The right to delete Personal Data. You also have the right to request the deletion of Your Personal Data that have been collected in the past 12 months.
• The right not to be discriminated against. You have the right not to be discriminated against for exercising any of Your Consumer’s rights, including by: 
  • Denying goods or services to You
  • Charging different prices or rates for goods or services, including the use of discounts or other benefits or imposing penalties
  • Providing a different level or quality of goods or services to You
  • Suggesting that You will receive a different price or rate for goods  or services or a different level or quality of goods or services.

Exercising Your CCPA Data Protection Rights

In order to exercise any of Your rights under the CCPA, and if you are a California resident, You can email or call us.

The Company will disclose and deliver the required information free of charge within 45 days of receiving Your verifiable request. The time period to provide the required information may be extended once by an additional 45 days when reasonable necessary and with prior notice.

Do Not Sell My Personal Information

We do not sell personal information. However, the Service Providers we partner with (for example, our advertising partners) may use technology on the Service that “sells” personal information as defined  by the CCPA law.

If you wish to opt out of the use of your personal information for interest-based advertising purposes and these potential sales as defined under CCPA law, you may do so by following the instructions below.

Please note that any opt out is specific to the browser You use. You may need to opt out on every browser that you use.

Website

You can opt out of receiving ads that are personalized as served by  our Service Providers by following our instructions presented on the Service:

• From Our “Cookie Consent” notice banner — The opt out will place a  cookie on Your computer that is unique to the browser You use to opt  out. If you change browsers or delete the cookies saved by your browser,  you will need to opt out again.

Mobile Devices

Your mobile device may give you the ability to opt out of the use of information about the apps you use in order to serve you ads that are targeted to your interests:

• “Opt out of Interest-Based Ads” or “Opt out of Ads Personalization” on Android devices
• “Limit Ad Tracking” on iOS devices
• You can also stop the collection of location information from Your  mobile device by changing the preferences on your mobile device.

“Do Not Track” Policy

Our Service does not respond to Do Not Track signals.

However, some third party websites do keep track of Your browsing activities. If You are visiting such websites, You can set Your preferences in Your web browser to inform websites that You do not want  to be tracked. You can enable or disable DNT by visiting the preferences  or settings page of Your web browser.

Children’s Privacy

Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under  the age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, We take steps to remove that information from Our servers.

If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent’s consent before We collect and use that information.

California Privacy Rights for Minor Users

California Business and Professions Code section 22581 allow California residents under the age of 18 who are registered users of  online sites, services or applications to request and obtain removal of  content or information they have publicly posted.

To request removal of such data, and if you are a California resident, You can contact Us using the contact information provided below, and include the email address associated with Your account.

Be aware that Your request does not guarantee complete or comprehensive removal of content or information posted online and that  the law may not permit or require removal in certain circumstances.

Links to Other Websites

Our Services may contain links to other websites that are not operated by Us. If You click on 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.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Changes to this Privacy Policy

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  Services, prior to the change becoming effective and update the “Last  updated” 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.

Contact Us

If you have any questions about this Privacy Policy, You can contact us:

• By email: across@austincrosseft.com
• By visiting this page on our website: https://austincrosseft.com/
• By mail: 4370 Chicago Dr. SW #540 Grandville, MI 49418.