Privacy Policy

1. Introduction

GROWEFX ("we," "our," or "us"), is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our website, mobile applications, and services (collectively, the "Service").

By using the Service, you consent to the data practices described in this policy. If you do not agree with this policy, please do not use our Service.

2. Information We Collect

2.1 Information You Provide

Account Registration:

• Full name and email address (required)
• Phone number
• Date of birth (to verify age requirements)
• For minors (13-17): Parent/guardian name and email
• Emergency contact information

Assessment & Profile Information:

• Responses to UrRELEVANT personality assessment questions
• Onboarding survey responses
• Goals, milestones, and progress tracking data
• Daily task descriptions and reflections
• Mood and self-reported status updates

Payment Information:

• Credit/debit card information (processed by Stripe - we do NOT store full card numbers)
• Billing address
• Purchase history and transaction records

Communications:

• Contact form submissions
• Email correspondence with our team
• Chat messages (if applicable)
• Success stories and testimonials you choose to share

2.2 Information Collected Automatically

Usage Data:

• Pages visited and features used
• Time spent on pages
• Click patterns and navigation paths
• Course progress and completion rates
• Assessment completion times

Device & Browser Information:

• IP address and approximate location
• Browser type and version
• Operating system
• Device identifiers
• Screen resolution

Cookies & Similar Technologies:

• Essential cookies for authentication and security
• Analytics cookies (Google Analytics, Hotjar)
• Marketing cookies (Facebook Pixel)
• Functional cookies for preferences

See our Cookie Policy for details.

3. How We Use Your Information

We use collected information for the following purposes:

3.1 Service Delivery

• Create and manage your account
• Process payments and transactions
• Deliver courses, coaching, and purchased services
• Generate personalized AI-powered assessments and recommendations
• Track your goals, milestones, and progress
• Provide customer support and respond to inquiries

3.2 AI & Machine Learning

• UrRELEVANT Assessment: Your responses are processed by AI to generate personality insights and recommendations
• Milestone Planner: Your goals and progress are stored so you can track them
• Aggregated Analysis: We analyze anonymized data to improve our algorithms

Important: Some features (such as the UrRELEVANT assessment and the chat assistant) send what you enter to AI models run by outside providers, through our app platform, so they can generate a response. We do not sell your personal information. Each provider's own terms govern how it handles that information, and we do not control them. Please do not enter anything you would not want processed this way.

3.3 Communications

• Send transactional emails (receipts, password resets, course access)
• Provide course updates and progress notifications
• Send marketing emails (if you opt-in)
• Request feedback and reviews

3.4 Analytics & Improvement

• Analyze usage patterns to improve the Service
• Conduct A/B testing for feature optimization
• Monitor performance and troubleshoot technical issues
• Understand user demographics and behavior

3.5 Legal & Safety

• Comply with legal obligations
• Enforce our Terms of Service
• Detect and prevent fraud or abuse
• Protect the rights and safety of users and staff

4. How We Share Your Information

We DO NOT sell your personal information to third parties.

4.1 Service Providers

We share information with trusted third-party service providers who assist in operating our Service:

• Stripe: Payment processing (credit card info)
• Google Analytics: Website analytics (anonymized usage data)
• Facebook: Marketing analytics (pixel tracking)
• Hotjar: User experience optimization (heatmaps, session recordings)
• Calendly: Appointment scheduling
• Email Service Providers: Transactional and marketing emails

All service providers are contractually obligated to protect your data and use it only for specified purposes.

4.2 Business Transfers

If GROWEFX is involved in a merger, acquisition, or asset sale, your personal information may be transferred. We will provide notice before your information is transferred and becomes subject to a different privacy policy.

4.3 Legal Requirements

We may disclose your information if required by law or in response to:

• Valid legal requests (subpoenas, court orders)
• Government investigations
• Protection of our legal rights
• Prevention of harm or illegal activity

4.4 With Your Consent

We may share your information for other purposes with your explicit consent (e.g., featuring your success story on our website).

5. Data Retention

We retain your personal information for as long as necessary to provide the Service and fulfill the purposes outlined in this policy.

• Active Accounts: Retained as long as your account is active
• Closed Accounts: Deleted within 90 days of account closure (unless legal obligation requires retention)
• Financial Records: Retained for 7 years per tax and accounting requirements
• Marketing Data: Retained until you unsubscribe or request deletion
• Anonymized Analytics: May be retained indefinitely for research and improvement

6. Your Privacy Rights

6.1 All Users

Regardless of location, you have the right to:

• Access: Request a copy of your personal data
• Correct: Update inaccurate or incomplete information
• Delete: Request deletion of your personal data (with exceptions for legal/financial records)
• Opt-Out: Unsubscribe from marketing communications
• Data Portability: Receive your data in a structured, machine-readable format

6.2 California Residents (CCPA)

California residents have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information (with exceptions)
• Right to opt-out of the sale of personal information (we DO NOT sell your information)
• Right to non-discrimination for exercising your rights

6.3 European Residents (GDPR)

If you are in the European Economic Area (EEA), you have rights under the General Data Protection Regulation (GDPR):

• Right to access your personal data
• Right to rectification of inaccurate data
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing
• Right to withdraw consent
• Right to lodge a complaint with a supervisory authority

6.4 How to Exercise Your Rights

To exercise any of these rights, contact us at:

7. Children's Privacy (COPPA Compliance)

Age Requirement: Our Service is intended for users 13 years of age and older. We comply with the Children's Online Privacy Protection Act (COPPA).

7.1 Users Ages 13-17

• Parental consent is REQUIRED before account creation
• We collect parent/guardian name and email for verification
• Parents can access, review, and request deletion of their child's data
• Parents receive notifications about their child's activities and progress

7.2 Users Under 13

We do NOT knowingly collect information from children under 13. If we learn that we have collected personal information from a child under 13 without parental consent, we will promptly delete that information.

If you believe your child under 13 has provided information to us, contact us immediately at growefx@yahoo.com.

8. Data Security

We implement industry-standard security measures to protect your personal information:

• Encryption: SSL/TLS encryption for data in transit
• Secure Storage: Encrypted databases and secure servers
• Access Controls: Limited employee access on a need-to-know basis
• Regular Audits: Security assessments and vulnerability testing
• Payment Security: PCI-DSS compliant payment processing via Stripe

Important: While we strive to protect your data, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

9. International Data Transfers

GROWEFX operates primarily in the United States. If you access our Service from outside the U.S., your information may be transferred to, stored, and processed in the U.S.

By using the Service, you consent to the transfer of your information to the U.S. and other countries that may have different data protection laws than your country of residence.

For EEA residents: We rely on appropriate safeguards for international transfers, such as Standard Contractual Clauses approved by the European Commission.

10. Third-Party Links

Our Service may contain links to third-party websites, plugins, and applications (e.g., social media). Clicking on these links 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 practices. We encourage you to review the privacy policies of any third-party sites you visit.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or for other operational reasons.

Material Changes: We will notify you of material changes by:

• Email to your registered address
• Prominent notice on our website
• In-app notification

The "Last Updated" date at the top of this policy indicates when it was last revised. Your continued use of the Service after changes constitutes acceptance of the updated policy.

12. Contact Us

For questions, concerns, or requests regarding this Privacy Policy or your personal information, contact us: