This Privacy Policy explains how Business Wealth Advisory, Inc. collects, uses, discloses, stores, and otherwise processes personal information in connection with our websites, products, services, and other interactions with you. Please read this Privacy Policy carefully to understand our privacy practices.

1. Introduction and Scope
Business Wealth Advisory, Inc. (“Business Wealth Advisory,” “Company,” “we,” “us,” or “our”) is responsible for the collection and processing of personal information as described in this Privacy Policy.
This Privacy Policy applies to information collected through or in connection with:
(a) the Business Wealth Advisory website and related webpages;
(b) advisory and consulting services;
(c) courses, programs, memberships, workshops, events, and digital products;
(d) services and offerings provided by Business Wealth Advisory under the Tina-Sue, Women Choosing Growth, and other Company-operated brands;
(e) Fox, the Company’s AI-powered business advisory software platform;
(f) forms, applications, checkout and payment pages, email communications, and other online or offline interactions with the Company; and
(g) other websites, products, services, or platforms that link to or expressly reference this Privacy Policy.
This Privacy Policy does not apply to third-party websites, platforms, products, or services that maintain their own privacy policies, even if they are linked to or accessible through the Company’s websites, products, or services.

2. Information We Collect
The information we collect depends on how you interact with the Company, the products or services you use, and the information you choose to provide. We may collect the following categories of information:
A. Information You Provide Directly
We may collect personal and business information that you provide directly to us, including:
• name, email address, telephone number, and other contact information;
• business or company name, title, role, industry, and other business information;
• billing and transaction-related contact information;
• account registration, login, profile, and subscription information;
• information submitted through applications, intake forms, questionnaires, surveys, or other forms;
• communications with the Company, including emails, inquiries, customer support requests, and other correspondence; and
• other information you voluntarily provide when interacting with the Company.
B. Business and Financial Information
In connection with our advisory services, programs, products, or Fox, you may choose to provide information regarding your business or financial circumstances. This may include:
• revenue, profit, expenses, and other financial metrics;
• budgets, forecasts, projections, and financial statements;
• business valuations or information relevant to valuation;
• business plans, strategies, goals, operations, and performance;
• financial, revenue, profitability, or growth goals;
• personal income, net-worth, or other financial goals that you voluntarily provide; and
• other business or financial information you choose to provide in connection with the Company’s products or services.
C. Fox User Content
When you use Fox (the “Platform”), we may collect and process information that you submit, enter, transmit, or upload through the Platform (collectively, “User Content”), including:
• prompts, questions, messages, and conversations;
• documents, files, and other uploaded materials;
• business, operational, strategic, and financial data;
• contracts and other business documents;
• financial documents, reports, projections, and related information; and
• other information you provide through your interactions with Fox.
We may also collect and process responses, recommendations, analyses, content, and other materials generated or provided through Fox in response to User Content or your interactions with the Platform (collectively, “Outputs”), as well as information associated with your use of and interactions with the Platform.
You should not submit to Fox passwords, authentication credentials, Social Security numbers, complete financial account numbers, payment card information, government-issued identification numbers, protected health information, or other highly sensitive personal information unless the Company expressly requests the information and provides an appropriate method for transmitting it.
D. Transaction and Payment Information
When you purchase a product, service, program, or subscription, we may collect information related to the transaction, including the product or service purchased, transaction amount, billing information, payment status, subscription information, and transaction history.
Payments may be processed by third-party payment processors. Those providers may collect and process payment card numbers, bank account information, or other payment credentials directly. The Company may receive information regarding the transaction without receiving or storing complete payment card or financial account credentials.
E. Information Collected Automatically
When you visit our websites, access Fox, or use other Company-operated online services, we and our service providers may automatically collect certain information regarding your device and use of those services, including:
• IP address;
• browser type and settings;
• device type and identifiers;
• operating system;
• referring and exit pages;
• pages, features, and content accessed;
• dates, times, and duration of visits or activity;
• interactions with websites, emails, or Platform features;
• technical, diagnostic, performance, and usage information;
• cookies and similar technologies; and
• analytics and other information regarding how our websites, Fox, and other online services are accessed and used.
F. Information From Third Parties
We may receive information about you from third parties that assist us in operating our business or providing our products and services, including payment processors, website and course platforms, scheduling providers, analytics providers, technology providers, integrations, contractors, and other service providers.
The information we receive depends on the applicable third party, your interaction with that provider, and the permissions or settings associated with the applicable service. We may combine information received from third parties with information we collect directly from you or automatically through your use of our websites, products, or services.

3. How We Use Information
We may use the information we collect for purposes including:
(a) providing, operating, administering, and supporting our websites, products, services, programs, and other offerings;
(b) creating, maintaining, and managing accounts and user access;
(c) operating, maintaining, supporting, and providing Fox;
(d) processing User Content and generating Outputs and other functionality requested through Fox;
(e) administering subscriptions, purchases, programs, and other customer relationships;
(f) processing and administering payments, transactions, billing, cancellations, and refunds;
(g) communicating with you regarding your account, purchases, subscriptions, services, inquiries, updates, administrative matters, and other interactions with the Company;
(h) providing customer and technical support and responding to questions, requests, or complaints;
(i) personalizing, developing, evaluating, and improving our websites, products, services, programs, and user experiences;
(j) analyzing usage, performance, trends, and interactions with our websites, Fox, and other products and services;
(k) maintaining the security and integrity of our systems, detecting and preventing fraud, misuse, unauthorized access, and other harmful or unlawful activity, and enforcing applicable usage restrictions;
(l) diagnosing and resolving technical issues, errors, and other problems;
(m) maintaining business, transaction, accounting, compliance, and other records;
(n) sending marketing, promotional, educational, or other communications, subject to applicable law and your available communication preferences and opt-out rights;
(o) enforcing our agreements, policies, and terms;
(p) complying with applicable laws, regulations, court orders, subpoenas, legal processes, and governmental or regulatory requirements;
(q) establishing, exercising, or defending legal claims and protecting the rights, property, safety, and interests of the Company, our users, and third parties; and
(r) carrying out other purposes disclosed to you at the time information is collected or with your direction or consent.

4. How Fox Processes Information
When you use Fox, the Platform processes User Content and other information associated with your use of Fox to provide Platform functionality and generate Outputs requested through your interactions with Fox.
Fox may use third-party artificial intelligence models, application programming interfaces, cloud infrastructure, hosting services, and other technology providers to process information as reasonably necessary to operate the Platform and generate or support Outputs. This means that User Content or other information submitted through Fox may be transmitted to and processed through third-party technology systems.
Fox is designed so that a user's identifiable User Content is associated with that user's use of the Platform and is not made available as User Content to other Fox users. The Company does not use one user's identifiable User Content to generate personalized Outputs for another user.
The Company may derive or generate de-identified or aggregated information from use of Fox and may use that information for legitimate business purposes, including operating, analyzing, maintaining, securing, developing, and improving the Platform, provided that the information does not reasonably identify you or your business.
Fox may also analyze or use non-identifying structural information, classifications, patterns, or similar information derived from use of the Platform to support the operation, analysis, development, and improvement of Fox without associating that information with an identifiable user or business.
Additional information regarding third-party artificial intelligence and technology providers, data sharing, retention, security, and your privacy rights is provided in the sections below.

5. Artificial Intelligence Providers
Fox uses artificial intelligence models and other technology provided by third parties to provide certain Platform functionality and generate or support Outputs.
When you use Fox, User Content and other information associated with your requests may be transmitted to and processed by third-party artificial intelligence providers as reasonably necessary to provide the requested functionality.
The Company selects and evaluates artificial intelligence providers based on factors it considers appropriate for the intended use, which may include the provider’s functionality, reliability, security, privacy practices, and data-handling terms. However, the Company does not own or control the systems, models, infrastructure, security practices, or independent operations of third-party artificial intelligence providers.
The artificial intelligence models, providers, and technology used by Fox may change over time. The processing of information by those providers is subject to the Company’s applicable agreements and arrangements with those providers and to applicable law.
Additional information regarding the Company’s use of third-party providers and disclosure of information is provided below.

6. How We Share and Disclose Information
We may disclose personal information and other information collected in connection with our business to the following categories of recipients and for the purposes described in this Privacy Policy:
Service and Technology Providers. We may disclose information to vendors and service providers that assist us in operating our business and providing our websites, products, and services, including hosting and cloud providers, website and course platforms, artificial intelligence and model providers, payment processors, analytics providers, email and communications providers, scheduling and video-conferencing providers, information technology providers, and other technology and operational service providers.
Contractors and Professional Advisers. We may disclose information to contractors, consultants, accountants, attorneys, insurers, and other professional advisers or representatives when reasonably necessary for them to perform services on our behalf or advise or assist the Company.
Business Transactions. We may disclose or transfer information in connection with an actual or proposed merger, acquisition, financing, restructuring, sale of assets, sale or transfer of a business or product, or similar corporate transaction, including as part of related due diligence.
Legal, Compliance, and Security Purposes. We may disclose information when we reasonably believe disclosure is required or appropriate to comply with applicable law, regulation, subpoena, court order, legal process, or governmental request; enforce our agreements or policies; investigate or prevent fraud, misuse, security incidents, or unlawful activity; or protect the rights, property, safety, or interests of the Company, our users, or third parties.
At Your Direction or With Your Consent. We may disclose information to other persons or entities when you direct us to do so, request functionality that requires the disclosure, or otherwise provide applicable consent or authorization.
We do not sell or rent personal information for monetary consideration. Certain uses of cookies, analytics, advertising technologies, or other third-party technologies may be considered a “sale,” “sharing,” or use for targeted advertising under certain privacy laws even when no money is exchanged. Where applicable, we will provide any notices, choices, or opt-out rights required by law.

7. Cookies, Analytics, and Tracking Technologies
We and our service providers may use cookies, pixels, tags, analytics tools, and similar technologies in connection with our websites, emails, Fox, and other online services.
Depending on the applicable website, product, or service, these technologies may include analytics, tag-management, advertising, conversion-measurement, and similar technologies provided through website platforms or third-party providers. The specific technologies and providers used by the Company may change over time as our websites, products, services, and marketing activities develop.
These technologies may be used to:
(a) operate and maintain websites and online services;
(b) remember preferences and maintain sessions or account functionality;
(c) understand how visitors and users interact with our websites, content, products, services, and communications;
(d) measure traffic, usage, performance, and effectiveness;
(e) diagnose technical issues and maintain security;
(f) understand the effectiveness of marketing or promotional activities; and
(g) support advertising or marketing activities where such technologies are used.
Some of these technologies may be provided or operated by third parties. Those third parties may collect information about your device, browser, interactions, or online activity in accordance with their applicable terms and privacy practices.
You may be able to control certain cookies or similar technologies through your browser settings, device settings, or other privacy controls made available through our websites or applicable third-party services. Disabling or blocking certain cookies may affect the availability or functionality of portions of our websites, Fox, or other online services.
Where required by applicable law, we will provide additional notice or obtain consent before using certain non-essential cookies or tracking technologies and will provide applicable choices regarding their use.

8. Marketing Communications
We may use your contact information to send you marketing, promotional, educational, or other communications regarding the Company’s products, services, programs, events, resources, or other offerings, subject to applicable law.
You may unsubscribe from promotional email communications at any time by using the unsubscribe link included in the applicable email or by contacting us using the information provided in this Privacy Policy.
If you opt out of promotional communications, we may still send you non-promotional communications that are reasonably necessary to administer your relationship with the Company, including communications regarding your account, purchases, subscriptions, transactions, customer support requests, security, legal notices, or changes affecting products or services you use.

9. Data Retention
We retain personal information for as long as reasonably necessary for the purposes for which it was collected or processed, including to provide our products and services, maintain accounts and subscriptions, administer our business relationship with you, maintain business and transaction records, comply with legal and regulatory obligations, resolve disputes, enforce agreements, prevent fraud or misuse, maintain security, and establish, exercise, or defend legal claims.
The period for which we retain information may vary depending on the type of information, the product or service involved, the duration of your relationship with the Company, applicable legal or contractual requirements, and the purposes for which the information is maintained.
For Fox, cancellation or expiration of a subscription does not automatically delete User Content, Outputs, account information, or other information associated with your use of the Platform. Such information may continue to be retained after cancellation or expiration for the purposes described in this Privacy Policy.
You may request deletion of eligible personal information by contacting the Company as described in Section 12. Deletion requests are processed subject to applicable law and any information the Company is permitted or required to retain for legitimate business, legal, security, fraud-prevention, recordkeeping, dispute-resolution, or other purposes described in this Privacy Policy.
Information that is deleted from active systems may remain for a period of time in backups, archives, logs, or other systems maintained by the Company or its service providers for business continuity, security, disaster recovery, legal compliance, or other legitimate purposes. The timing of deletion from such systems may depend in part on the retention and backup practices of the applicable service provider.
When information is no longer reasonably necessary for the purposes for which it is maintained, we may delete, de-identify, aggregate, or otherwise dispose of it, subject to applicable law and our legitimate recordkeeping, security, and operational requirements.

10. Data Security
We use reasonable administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, acquisition, use, disclosure, alteration, loss, or destruction, taking into account the nature of the information and the circumstances in which it is processed.
We also use third-party technology, infrastructure, hosting, artificial intelligence, payment, and other service providers in operating our business and providing our products and services. Although we take reasonable measures in selecting and working with providers, we do not control all aspects of third-party systems, networks, infrastructure, or security practices.
No method of electronic transmission or storage is completely secure. Accordingly, we cannot guarantee the absolute security of information transmitted to, processed through, or stored by the Company, Fox, or third-party systems used in connection with our products and services.
You are responsible for taking reasonable steps to protect information within your control, including maintaining the confidentiality of account credentials and promptly notifying us if you believe your account or information may have been accessed or used without authorization.

11. Sensitive Information
Our websites, services, and Fox are not intended to receive or store personal information that presents heightened privacy, security, or regulatory risks unless the Company expressly requests the information and provides an appropriate method for transmitting it.
You should not submit, enter, transmit, or upload passwords, authentication credentials, Social Security numbers, complete financial account numbers, payment card information, government-issued identification numbers, protected health information, or other highly sensitive personal information unless the Company expressly requests the information and provides an appropriate method for transmitting it.
When submitting documents, files, or other information to the Company or Fox, you are responsible for reviewing the materials and removing or redacting highly sensitive information that is not reasonably necessary for the applicable product, service, or request.

12. Your Privacy Rights and Choices
Depending on where you reside and applicable law, you may have certain rights regarding your personal information. These rights may include the right to:
(a) request confirmation of whether we process your personal information and request access to certain personal information we maintain about you;
(b) request correction of inaccurate personal information;
(c) request deletion of certain personal information;
(d) request a copy of certain personal information in a portable format;
(e) withdraw consent to certain processing where our processing is based on your consent, subject to applicable law;
(f) opt out of certain marketing communications;
(g) opt out of certain sales, sharing, targeted advertising, or other processing where such rights are provided by applicable law; and
(h) appeal certain decisions regarding a privacy request where an appeal right is provided by applicable law.
These rights are not absolute and may be subject to exceptions, limitations, verification requirements, and other conditions under applicable law. We may retain or continue to process information where permitted or required by law, including where necessary to complete transactions, provide requested products or services, maintain security, prevent fraud or misuse, comply with legal obligations, maintain required records, or establish, exercise, or defend legal claims.
Fox users may also request deletion of eligible personal information associated with their Fox account by contacting the Company using the information below. Cancellation or expiration of a Fox subscription does not, by itself, constitute a request to delete information associated with the account.
To submit a privacy request, you may contact us at [email protected]. Please describe your request and provide sufficient information for us to reasonably identify the information or account involved.
We may take reasonable steps to verify your identity and authority before processing a request. Depending on the nature of the request, we may request additional information reasonably necessary to complete verification. If an authorized agent is permitted to submit a request on your behalf under applicable law, we may take reasonable steps to verify the agent’s authority and, where permitted, your identity.
We will respond to valid privacy requests within the time and in the manner required by applicable law.

13. U.S. State Privacy Rights
Residents of certain U.S. states may have additional rights regarding their personal information under applicable state privacy laws. The specific rights available to you, and whether a particular state privacy law applies to the Company or your information, depend on the applicable law and circumstances.
Where an applicable state privacy law provides you with rights beyond those described above, the Company will process qualifying requests and provide applicable notices, choices, and protections as required by that law.
Depending on the applicable law, these rights may include rights concerning access, correction, deletion, portability, the sale or sharing of personal information, targeted advertising, certain uses of sensitive personal information, profiling or automated processing, non-discrimination for exercising privacy rights, and appeals of certain decisions regarding privacy requests.
Nothing in this Privacy Policy is intended to provide rights that do not otherwise apply under applicable law. If you have questions regarding privacy rights that may apply to you, or wish to exercise an applicable right, you may contact us at [email protected].

14. International Users
Business Wealth Advisory, Inc. is based in the United States, and our websites, products, services, and Fox are operated from or in connection with the United States.
If you access or use our websites, products, services, or Fox from outside the United States, your personal information may be transferred to, stored in, or processed in the United States or other jurisdictions in which the Company or its service providers operate.
Privacy and data-protection laws in the United States or other jurisdictions may differ from those in your country of residence.
Where applicable law imposes specific requirements regarding the international transfer or processing of personal information, we will handle personal information in accordance with those requirements to the extent they apply to the Company and the applicable processing activity.

15. Children’s Privacy
Our websites, products, and services are intended for adults. We do not knowingly collect personal information from children under thirteen (13) years of age in a manner subject to the Children’s Online Privacy Protection Act.
Fox is intended only for individuals who are at least eighteen (18) years old. Individuals under eighteen (18) may not create an account, purchase a subscription, access, or use Fox.
If we learn that we have collected personal information from a child in violation of applicable law, we will take reasonable steps to delete or otherwise address the information as required by applicable law. If you believe a child has provided personal information to us in violation of this Section, please contact us at [email protected].

16. Third-Party Websites and Services
Our websites, products, services, communications, and Fox may contain links to, integrate with, or rely on websites, platforms, applications, products, or services operated by third parties.
When you interact directly with a third-party website, platform, product, or service, the third party’s collection, use, disclosure, and other processing of your information may be governed by its own terms and privacy policies. The Company does not control the privacy, security, or data-handling practices of third parties acting independently of the Company.
We encourage you to review the applicable privacy policies and terms of third-party websites, platforms, products, and services before providing information directly to them.

17. Business Transfers
We may disclose, transfer, or otherwise make information available in connection with an actual or proposed merger, acquisition, financing, investment, restructuring, reorganization, sale of assets, sale or transfer of the Company, Fox, or another business, product, or service, or similar corporate transaction.
Information may also be disclosed to prospective purchasers, investors, lenders, advisers, and other parties involved in evaluating, negotiating, conducting due diligence for, or completing such a transaction, subject to appropriate confidentiality protections where applicable.
If personal information is transferred as part of a completed transaction, the recipient may continue to process the information in accordance with this Privacy Policy, any applicable successor privacy policy, and applicable law.

18. Legal and Security Disclosures
We may preserve, access, use, or disclose information when we reasonably believe doing so is necessary or appropriate to:
(a) comply with applicable law, regulation, subpoena, court order, legal process, or other legally enforceable request;
(b) respond to lawful requests from courts, law enforcement agencies, regulators, governmental authorities, or other authorized entities;
(c) investigate, detect, prevent, or respond to fraud, misuse, unauthorized access, security incidents, unlawful activity, or threats to the security or integrity of our websites, products, services, Fox, or other systems;
(d) enforce or investigate potential violations of our agreements, terms, policies, or other legal rights;
(e) establish, exercise, or defend legal claims; or
(f) protect the rights, property, safety, or interests of the Company, our users, our personnel, or third parties.
Where legally permitted and reasonably practicable, we may provide notice of a legal request before disclosing information.

19. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our products, services, technology, data practices, legal obligations, or other business practices.
When we update this Privacy Policy, we will revise the “Last Updated” date at the top of the Policy. If we make material changes, we may provide additional notice where appropriate or required by applicable law.
Any changes to this Privacy Policy will apply as permitted by applicable law.

20. Contact Us
If you have questions about this Privacy Policy, our privacy practices, or a privacy request, you may contact us at:
Business Wealth Advisory, Inc.
Email: [email protected] or [email protected]