Introduction

Sabin Karma and Dominik Földi ("Karma Institute," "us," "we," or "our") are committed to protecting your privacy and complying with applicable data protection laws. This Privacy Policy explains how we collect, use, store, and protect your personal information when you visit our website www.thekarmaconnections.com (and its subdomains), register for our services, or use any of the Karma Institute Services.

By using our website and services, you agree to the terms of this Privacy Policy. If you do not agree, please discontinue using our services.

1. Personal Information Collection

We collect personal information from users in various ways, including but not limited to when you:

- Register for an account

- Purchase products or services

- Subscribe to newsletters or communications

- Participate in events or webinars

- Fill out contact forms

- Respond to surveys

The personal information we collect includes:

- Name

- Email address

- Phone number

- Postal address

- Payment information (for purchases)

- Other relevant data provided voluntarily during interactions

We collect personal data with your consent and use it strictly to provide or improve the services you have requested.

2. Non-Personal Information Collection

We may collect non-personally identifiable information from your visit to our website, such as:

- IP address

- Browser type

- Operating system

- Browsing activities (e.g., pages visited, links clicked)

This information helps us enhance your experience on our website and improve our offerings. We use cookies and other tracking technologies (e.g., Meta Pixel, Google Analytics) for these purposes. For more information about how we use cookies and similar tracking technologies, please review our Cookie Policy in Section 17.

3. How We Use Your Information

We use your personal information to:

- Provide the services, products, or information you requested

- Process payments

- Manage your account and subscriptions

- Respond to your inquiries or customer support requests

- Send marketing and promotional materials (based on your consent)

- Improve our website, services, and user experience

- Perform data analysis and customer segmentation for better targeting of products and services

- Comply with legal obligations

4. Opt-Out Options

If you wish to stop receiving marketing or promotional communications, you can opt-out by:

- Clicking the unsubscribe link in our emails

- Replying STOP to our SMS messages

- Contacting us at [email protected] to request the removal of your data from our database

Once we receive your request, we will process it within a reasonable timeframe. However, some communications may continue to be sent due to processing times.

5. Data Sharing and Third-Party Services

We do not sell or rent your personal data. We may share your information with third-party service providers who assist us in running our business, including payment processors, email service providers, and marketing platforms. These third parties include:

- Meta Pixels (for advertising)

- Google Analytics (for website traffic analysis)

- Google Forms and Google Drive (for data collection and storage)

- Stripe (for payment processing)

- GoHighLevel (for customer relationship management and segmenting)

We ensure that these providers adhere to applicable data protection laws. However, data stored on these platforms is subject to their respective privacy and data handling policies.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes we collected it for, including any legal, accounting, or reporting requirements. In most cases, this means we will keep your information:

- As long as you continue to use our services

- For up to 7 years after your last interaction with us, or until you request deletion, whichever occurs sooner

Please note that we rely on data storage provided by third-party platforms like Google Drive and GoHighLevel, and we do not make manual backups of your data. The backup and data protection policies of those services apply.

7. Information Security

Karma Institute takes the security of your personal information seriously. We implement a variety of security measures to protect your data, including:

- Encrypted transmission (e.g., HTTPS) for online communications

- Secure payment processing through Stripe

- Access control measures to limit who can view or edit your information

While we strive to use commercially acceptable means to protect your personal data, no method of transmission over the Internet or method of electronic storage is 100% secure. We cannot guarantee the absolute security of your data.

8. Disclosure of Your Information

We may disclose your personal information to:

- Companies within the Karma Institute Group (for internal purposes only)

- Third-party service providers, as outlined above

- Law enforcement or other authorities if required by law (e.g., to comply with a court order)

In the event of a business reorganization, merger, or sale, your data may be transferred to the relevant entity.

9. User Rights Under GDPR and CCPA

If you are located in a jurisdiction governed by the General Data Protection Regulation (GDPR) or California Consumer Privacy Act (CCPA), you have specific rights regarding your personal data:

- Access: You can request a copy of the data we hold about you.

- Rectification: You can correct any inaccurate or incomplete data.

- Deletion: You can request the deletion of your data, subject to certain legal exceptions.

- Data Portability: You can request to transfer your data to another service provider.

- Opt-out: Under CCPA, you have the right to opt-out of the sale of your personal information.

To exercise your rights, please contact us at [email protected].

10. Automated Decision-Making and Profiling

Karma Institute does not use automated decision-making to process your personal information. We may, however, use segmenting in our CRM system to personalize marketing efforts and improve service delivery. This means your data might be analyzed to categorize your preferences, but no significant decisions are made solely based on automated data processing.

11. Updates to the Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, or legal obligations. If we make any significant changes, we will notify you via:

- An update notice on our website

- Email notification to the address you provided

Please review this Privacy Policy periodically for any changes.

12. Social Media and External Links

If you interact with us on social media (e.g., WhatsApp, Facebook, Instagram), or post reviews or comments on our website, the information you provide will be governed by the privacy policy of the respective platform. We recommend reviewing the terms of service and privacy policies of those platforms for more information.

Our website may also contain links to third-party websites or apps. We are not responsible for the privacy practices or content of those external sites.

13. Children’s Privacy

Our services are not intended for individuals under the age of 13. We do not knowingly collect personal information from minors. If we become aware that we have inadvertently collected such information, we will delete it. Parents or guardians who believe that their child has submitted personal information should contact us at [email protected].

14. Contacting Us

We encourage our customers to reach out with any questions or concerns about our Privacy Policy, products, services, or data practices. You can contact us via:

Email: [email protected]

By using our services, you agree to receive communications from Karma Institute, including emails, phone calls, SMS, WhatsApp, and other platforms. If you wish to unsubscribe from these communications, please use the unsubscribe link in our emails, reply STOP to SMS messages, or contact us at [email protected].

15. Monitoring of Communications

We may monitor or record your communications with us (e.g., phone calls, emails, messages) in accordance with applicable laws for business purposes, including quality control, training, and compliance purposes.

16. Business Transfers

In the event of a business transfer, merger, or acquisition, your personal information may be transferred as part of that transaction. We will notify you if such a transfer takes place, and your information becomes subject to a different privacy policy.

17. Cookie Policy

Karma Institute ("we," "us," or "our") uses cookies and similar tracking technologies on our website (www.thekarmaconnections.com) and associated services to improve your browsing experience and provide personalized services. This Cookie Policy explains what cookies are, how we use them, and your choices regarding their use.

What are Cookies?

Cookies are small text files that are placed on your device (computer, mobile phone, or tablet) when you visit a website. They help websites recognize your device and store certain information about your preferences or past actions, which can improve your experience on the site.

Types of Cookies We Use

We use the following types of cookies on our website:

- Essential Cookies: These are necessary for the website to function properly. They enable you to navigate the site and use its features, such as accessing secure areas.

- Analytical/Performance Cookies: These cookies collect information about how visitors use our website, such as which pages are visited most often, to help us improve the performance of our site. We use tools like Google Analytics to gather this information.

- Functional Cookies: These cookies allow the website to remember your preferences and provide enhanced, more personalized features, such as remembering your login details.

- Targeting/Advertising Cookies: We may use these cookies to deliver relevant advertisements to you based on your browsing behavior and interests. We work with third-party services such as Meta Pixels and Google Ads to display personalized ads.

Third-Party Cookies

In addition to the cookies we set, third-party companies (like Google, Meta, Stripe, and others) may also set cookies on your device when you visit our website. These third parties may use the information they collect to provide targeted advertising, measure the effectiveness of their services, or offer additional features.

How We Use Cookies

We use cookies to:

- Remember your preferences and settings.

- Improve website functionality and optimize user experience.

- Provide analytics and insights into website usage (through tools like Google Analytics).

- Deliver personalized advertising based on your browsing activity.

Your Choices Regarding Cookies

You can control or manage cookies in several ways:

1. Browser Settings: Most web browsers allow you to manage cookie settings, including blocking or deleting cookies. You can typically find these options in the "settings" or "preferences" menu of your browser.

2. Opt-Out Mechanism: You can opt-out of tracking by responding to specific actions:

- Click the "unsubscribe" link in our emails to opt-out of email marketing.

- Reply "STOP" to SMS communications to opt-out of further text messages.

- To fully remove your data from our database, please contact us at [email protected].

3. Third-Party Opt-Outs: You may also opt out of certain third-party cookies directly via their platforms. For example:

- Google Analytics: https://tools.google.com/dlpage/gaoptout

- Meta Pixels: Through your Facebook Ad Preferences.

Data Retention

We retain data collected by cookies for the duration required by law, which may be up to 7 years, depending on the jurisdiction and nature of the data. Please note that we do not create manual backups of cookie data; any data stored is maintained via the platforms we use, such as Google, Meta, GoHighLevel, and others.

Changes to This Cookie Policy

We may update this Cookie Policy from time to time to reflect changes in technology or regulatory requirements. Any updates will be posted on this page, and we encourage you to review the policy periodically.

Contact Us

If you have any questions or concerns about our use of cookies or your privacy, please contact us at [email protected].