TERMS OF SERVICE / AGREEMENT / PRIVACY POLICY

PURPOSE:

The Collective Coaching strives to help professionals uncover their potential and serves as a community of resources to aid in the pursuit of their personal goals. Unfortunately, results don’t happen overnight in the mortgage business – we wish they did. Our sales cycles can be anywhere from 30 days to multiple years. We want to be transparent that your results will be the direct result of your engagement and your consistent implementation of what you learn.

TERM OF AGREEMENT:

The term or duration of this Agreement will be for a minimum of 12-months. After 12-months, this Agreement will automatically renew for another 12-months until cancelled by customer. The Collective Digital is billed monthly at $298, or annually at $2,376, before any applicable discounts or promotions. The Collective Brand is billed monthly at $998, before any applicable discounts or promotions.

CANCELLATION POLICY:

If you wish to cancel your automatic renewal, you must submit your request to support@thecollectivecoaching.com no later than 30 days prior to your renewal date. Any cancellation, for any reason, that occurs prior to the 12-month renewal date will incur a fee equal to 80% of your current monthly membership fee multiplied by the remaining months in your Agreement. The cancellation fee will become due on the date of cancellation.

LATE PAYMENTS:

Monthly subscription payments are due on the monthly anniversary of the date you signed up. Payments are considered late after one (1) day. Access to digital platforms, coaching calls, and events will be revoked if payment is not received within thirty (30) days following the due date.

BREACH OF AGREEMENT:

We reserve the right to send any uncollected money from incomplete Agreements to a third-party collection agency in attempt to obtain the debt. This includes, but is not limited to, declined accounts with failed attempts to update payment information within 30 days of initial decline, declined early Agreement termination fees, and unwarranted chargebacks while under Agreement.

PRIVACY POLICY: Your privacy is critically important to us. At The Collective, we have a few fundamental principles:

We are thoughtful about the personal information we ask you to provide and the personal information that we collect about you through the operation of our services.

We store personal information for only as long as we have a reason to keep it.

We aim to make it as simple as possible for you to control what information on your website is shared publicly (or kept private), indexed by search engines, and permanently deleted.

We help protect you from overreaching government demands for your personal information.

We aim for full transparency on how we gather, use, and share your personal information. Below is our Privacy Policy, which incorporates and clarifies these principles.

This Privacy Policy applies to information that we collect about you when you use:

Our websites (including thecollectivecoaching.com);

Our mobile applications (including the The Collective mobile app for Android and iOS);

and other users’ websites that use our Services, while you are logged in to your account with us.

This Privacy Policy also applies to information we collect when you apply for a job at The Collective.

Throughout this Privacy Policy we’ll refer to our websites, mobile applications, and other products and services collectively as “Services.”

Below we explain how we collect, use, and share information about you, along with the choices that you have with respect to that information.

Information We Collect:

We only collect information about you if we have a reason to do so — for example, to provide our Services, to communicate with you, or to make our Services better.

We collect this information from three sources: if and when you provide information to us, automatically through operating our Services, and from outside sources. Let’s go over the information that we collect.

Information You Provide to Us:

It’s probably no surprise that we collect information that you provide to us directly. Here are some examples:

Basic account information: We ask for basic information from you in order to set up your account. For example, we require individuals who sign up for a The Collective account to provide an email address and password, along with a username or name — and that’s it. If you sign up for The Collective Digital, you'll provide us with more information — like your address and billing information.

Public profile information: If you have an account with us, we collect the information that you provide for your public profile. For example, if you have a The Collective Digital or The Collective Brand, your username is part of that public profile, along with any other information you put into your public profile, like a photo or an “About Me” description. Your public profile information is just that — public — so please keep that in mind when deciding what information you would like to include.

Payment and contact information:

If you buy something from us we’ll collect information to process those payments and contact you. When making a purchase, you’ll provide additional personal and payment information like your name, credit card information, and contact information. We also keep a record of the purchases you’ve made.

Communications with us:

You may also provide us with information when you respond to surveys, communicate with our Support Team about a support question or post a question inside our community. When you communicate with us via form, email, phone, community comment, or otherwise, we store a copy of our communications (including any call recordings as permitted by applicable law).

Job applicant information:

If you apply for a job with us — awesome! You may provide us with information like your name, contact information, resume or CV, professional or personal references, similar professional and employment-related data, and work authorization verification as part of the application process. We may also collect additional information about you during the process, like background and credit checks (in applicable jurisdictions and only for certain job roles). You may also provide us with demographic information when required by law or to support our diverse workplace initiatives, such as your gender, racial or ethnic origin, veteran status, and disability status if you voluntarily submit such information as part of your application. We collect demographic information in accordance with applicable law, and do not request demographic information in jurisdictions where it may be prohibited. We will only use this sensitive information to accommodate a disability or illness, comply with legal obligations, protect the health and safety of our employees, and facilitate our internal programs relating to diversity, inclusion, and anti-discrimination.

Information We Collect Automatically

We also collect some information automatically:

Log information:

Like most online service providers, we collect information that web browsers, mobile devices, and servers typically make available, including the browser type, IP address, unique device identifiers, language preference, referring site, the date and time of access, operating system, and mobile network information. We collect log information when you use our Services — for example, when you create or make changes to your profile on The Collective Community.

Transactional information:

When you make a purchase through our Services, we collect information about the transaction, such as product details, purchase price, and the date and location of the transaction. This includes when you purchase something we sell or when you use our Services to buy something from a third party.

Location information:

We may determine the approximate location of your device from your IP address. We collect and use this information to, for example, calculate how many people visit our Services from certain geographic regions. We may also collect information about your precise location via our mobile apps (like when you post a photograph with location information) if you allow us to do so through your mobile device operating system’s permissions.

Stored information:

We may access information stored on your mobile device via our mobile apps. We access this stored information through your device operating system’s permissions. For example, if you give us permission to access the photographs on your mobile device’s camera roll, our services may access the photos stored on your device when you upload a really amazing photograph of the sunrise to your website.

Information from cookies & other technologies:

A cookie is a string of information that a website stores on a visitor’s computer, and that the visitor’s browser provides to the website each time the visitor returns. Pixel tags (also called web beacons) are small blocks of code placed on websites and emails. The Collective uses cookies and other technologies like pixel tags to help us identify and track visitors, usage, and access preferences for our services, as well as track and understand email campaign effectiveness and to deliver targeted ads.

How and Why We Use Information

Purposes for Using Information

We use information about you for the purposes listed below:

To provide our services.

For example, to set up and maintain your account, provide customer service, process payments and orders, and verify user information.

To ensure quality, maintain safety, and improve our services.

For example, by providing automatic upgrades and new versions of our services. Or, for example, by monitoring and analyzing how users interact with our services so we can create new features that we think our users will enjoy or make our services easier to use.

To place and manage ads in our advertising program.

For example, to place ads on our users’ sites and some of our own sites as part of our advertising program, and understand ad performance.

To market our services and measure, gauge, and improve the effectiveness of our marketing.

For example, by targeting our marketing messages to groups of our users (like those who have a particular plan with us or have been users for a certain length of time), advertising our services, analyzing the results of our marketing campaigns (like how many people purchased a paid plan after receiving a marketing message), and understanding and forecasting user retention.

To protect our services, our users, and the public.

For example, by detecting security incidents; detecting and protecting against malicious, deceptive, fraudulent, or illegal activity; fighting spam; complying with our legal obligations; and protecting the rights and property of The Collective and others, which may result in us, for example, declining a transaction or terminating Services.

To fix problems with our services.

For example, by monitoring, debugging, repairing, and preventing issues.

To communicate with you.

For example, by emailing you to ask for your feedback, share tips for getting the most out of our products, or keep you up to date on The Collective; texting you to verify your payment; or calling you to share offers and promotions that we think will be of interest to you. If you don’t want to hear from us, you can opt out of marketing communications at any time. (If you opt out, we’ll still send you important updates relating to your account.)

Legal Bases for Collecting and Using Information

A note here for those in the European Union about our legal grounds for processing information about you under EU data protection laws, which is that our use of your information is based on the grounds that:

(1) The use is necessary in order to fulfill our commitments to you under the applicable terms of service or other agreements with you or is necessary to administer your account — for example, in order to enable access to our website on your device or charge you for a paid plan; or

(2) The use is necessary for compliance with a legal obligation; or

(3) The use is necessary in order to protect your vital interests or those of another person; or

(4) We have a legitimate interest in using your information — for example, to provide and update our Services; to improve our Services so that we can offer you an even better user experience; to safeguard our Services; to communicate with you; to measure, gauge, and improve the effectiveness of our advertising; and to understand our user retention and attrition; to monitor and prevent any problems with our Services; and to personalize your experience; or

(5) You have given us your consent

Sharing Information

How We Share Information

We share information about you in limited circumstances, and with appropriate safeguards on your privacy.

Subsidiaries and independent contractors:

We may disclose information about you to our subsidiaries and independent contractors who need the information to help us provide our services or process the information on our behalf. We require our subsidiaries and independent contractors to follow this Privacy Policy for any personal information that we share with them.

Third-party vendors:

We may share information about you with third-party vendors who need the information in order to provide their services to us, or to provide their services to you or your site. This includes vendors that help us provide our services to you (like Stripe, which powers all payments, payment providers that process your credit and debit card information, fraud prevention services that allow us to analyze fraudulent payment transactions, cloud storage services, postal and email delivery services that help us stay in touch with you, customer chat and email support services that help us communicate with you); those that assist us with our marketing efforts (e.g., by providing tools for identifying a specific marketing target group or improving our marketing campaigns, and by placing ads to market our services); those that help us understand and enhance our Services (like analytics providers); those that make tools to help us run our operations (like programs that help us with task management, scheduling, word processing, email and other communications, and collaboration among our teams); other third-party tools that help us manage operations; and companies that make products available on our websites, who may need information about you in order to, for example, provide technical or other support services to you. We require vendors to agree to privacy commitments in order to share information with them.

Legal and regulatory requirements:

We may disclose information about you in response to a subpoena, court order, or other governmental request.

Business transfers:

In connection with any merger, sale of company assets, or acquisition of all or a portion of our business by another company, or in the unlikely event that The Collective goes out of business or enters bankruptcy, user information would likely be one of the assets that is transferred or acquired by a third party. If any of these events were to happen, this Privacy Policy would continue to apply to your information and the party receiving your information may continue to use your information, but only consistent with this Privacy Policy.

Aggregated or de-identified information:

We may share information that has been aggregated or de-identified, so that it can no longer reasonably be used to identify you. For instance, we may publish aggregate statistics about the use of our Services, or share a hashed version of your email address to facilitate customized ad campaigns on other platforms.

Published support requests:

If you send us a request for assistance (for example, via a support email or one of our other feedback mechanisms), we reserve the right to publish that request in order to clarify or respond to your request, or to help us support other users.

Information Shared Publicly

Information that you choose to make public is — you guessed it — disclosed publicly.

That means information like your public profile, posts, other content that you make public in The Collective, and your “Likes” and comments on other websites are all available to others — and we hope they get a lot of views!

For example, the photo that you upload to your public profile, or a default image if you haven’t uploaded one, is your Globally Recognized Avatar, or Gravatar — get it? :) Your Gravatar, along with other public profile information, displays alongside the comments and “Likes” that you make on other users’ posts while logged into your account. Your Gravatar and public profile information may also display with your comments, “Likes,” and other interactions in the The Collective Community.

Please keep all of this in mind when deciding what you would like to share publicly.

How Long We Keep Information

We generally discard information about you when it’s no longer needed for the purposes for which we collect and use it — described in the section above on How and Why We Use Information — and we’re not legally required to keep it.

If you are a job applicant, we will keep your personal data during the application process, and for a certain period thereafter. To determine that period, we take into account a number of factors, like our legal and regulatory obligations (such as equal opportunity obligations) and whether we may need to retain personal data for internal business purposes like analyzing our applicant pool.

Security

While no online service is 100% secure, we work very hard to protect information about you against unauthorized access, use, alteration, or destruction, and take reasonable measures to do so. We monitor our Services for potential vulnerabilities and attacks.

Choices

You have several choices available when it comes to information about you:

Limit the information that you provide:

If you have an account with us, you can choose not to provide the optional account information, profile information, and transaction and billing information. Please keep in mind that if you do not provide this information, certain features of our Services may not be accessible. If you are a job applicant, and you choose not to provide certain data elements to us, we may not be able to proceed with the recruitment process.

Limit access to information on your mobile device:

Your mobile device operating system should provide you with the option to discontinue our ability to collect stored information or location information via our mobile app. If you choose to limit this, you may not be able to use certain features.

Opt out of marketing communications:

You may opt out of receiving promotional communications from us. Just follow the instructions in those communications or let us know. If you opt out of promotional communications, we may still send you other communications, like those about your account and legal notices.

Set your browser to reject cookies:

At this time, The Collective does not respond to “do not track” signals across all of our services. However, you can usually choose to set your browser to remove or reject browser cookies before using The Collective's websites, with the drawback that certain features of The Collective’s websites may not function properly without the aid of cookies.

Close your account:

While we’d be very sad to see you go, you can close your account if you no longer want to use our services. Please keep in mind that we may continue to retain your information after closing your account, as described in How Long We Keep Information above — for example, when that information is reasonably needed to comply with (or demonstrate our compliance with) legal obligations such as law enforcement requests, or reasonably needed for our legitimate business interests.

Your Rights

If you are located in certain parts of the world, including some US states and countries that fall under the scope of the European General Data Protection Regulation (aka the “GDPR”), you may have certain rights regarding your personal information, like the right to request access to or deletion of your data.

European General Data Protection Regulation (GDPR)

If you are located in a country that falls under the scope of the GDPR, data protection laws give you certain rights with respect to your personal data, subject to any exemptions provided by the law, including the rights to:

Request access to your personal data; Request correction or deletion of your personal data; Object to our use and processing of your personal data; Request that we limit our use and processing of your personal data; and Request portability of your personal data. You also have the right to make a complaint to a government supervisory authority.

US Privacy Laws

Laws in some US states, including California, Colorado, Connecticut, Utah, and Virginia, require us to provide residents with additional information about the categories of personal information we collect and share, where we get that personal information, and how and why we use it. You’ll find that information in this section (if you are a California resident, please note that this is the Notice at Collection we are required to provide you under California law).

In the last 12 months, we collected the following categories of personal information, depending on the services used:

Identifiers (like your name, contact information, and device and online identifiers);Commercial information (your billing information and purchase history, for example);Characteristics protected by law (for example, you might provide your gender as part of a research survey for us or you may choose to voluntarily disclose your race or veteran status as part of your job application);Internet or other electronic network activity information (such as your usage of our Services, like the actions you take as an administrator of a Wordpress.com site);Geolocation data (such as your location based on your IP address);Audio, electronic, visual or similar information (such as your profile picture, if you uploaded one);Professional or employment-related information (for example, your company and team information if you are a Happy Tools user, or information you provide in a job application); and Inferences we make (such as likelihood of retention or attrition).

If you are a job applicant, we may have also collected: Education information, such as the education you disclose in your job application.

You can find more information about what we collect and sources of that information in the Information We Collect section above.

We collect personal information for the business and commercial purposes described in the How and Why We Use Information section. And we share this information with the categories of third parties described in the Sharing Information section. We retain this information for the length of time described in our How Long We Keep Information section.

In some US states you have additional rights subject to any exemptions provided by your state’s respective law, including the right to:

Request a copy of the specific pieces of information we collect about you and, if you’re in California, to know the categories of personal information we collect, the categories of business or commercial purpose for collecting and using it, the categories of sources from which the information came, and the categories of third parties we share it with; Request deletion of personal information we collect or maintain; Request correction of personal information we collect or maintain; Opt out of the sale or sharing of personal information; Receive a copy of your information in a readily portable format; and Not receive discriminatory treatment for exercising your rights.

Right to Opt Out

We never directly sell your personal information in the conventional sense (i.e., for money).We may share your information as necessary with our third-party service providers to provide our services to you. To the extent that we share your information with certain advertising, marketing, or analytics vendors, this can be considered a “sale” or “share” in certain U.S. States, which you may have the right to opt out of.

Our opt-out is managed through cookies, so if you delete cookies, your browser is set to delete cookies automatically after a certain length of time, or if you visit sites in a different browser, you’ll need to make this selection again.

We also respect the GPC browser signal and will treat it as a valid means of communicating your desire to opt out.

We do not collect or process your sensitive (and potentially sensitive) personal information except where it is strictly necessary to provide you with our service, where the processing is not for the purpose of inferring characteristics about you, or for other purposes that do not require an option to limit under California law. We don’t knowingly sell or share personal information of those under 16.

Your Information & Personalized Advertising

Our mission is to democratize publishing and commerce, and that means making our Services accessible to as many people as possible. We show ads on some of our users’ sites as well as some of our own sites, and the revenue these ads generate lets us offer free access to some of our Services so that money doesn’t become an obstacle to having a voice. Our ads program also allows our users to earn revenue to support and grow their own sites. As part of our advertising program, we and our users do use cookies to share certain device identifiers and information about your browsing activities with our advertising partners, and those advertising partners may use that information to show you personalized ads on some of our users’ sites and some of our own.

The personal information we share includes online identifiers; internet or other network or device activity (such as cookie information, other device identifiers, and IP address); and geolocation data (approximate location information from your IP address). These disclosures may be considered a “sale” or “share” of information under some US state privacy laws. We do not sell (or share) information through our ads program that identifies you personally, like your name or contact information.

Contacting Us About These Rights

If you’d like to contact us about one of the other rights, scroll down to “How to Reach Us” to, well, find out how to reach us.

When you contact us about one of your rights under this section, we’ll need to verify that you are the right person before we disclose or delete anything. For example, if you are a user, we will need you to contact us from the email address associated with your account. You can also designate an authorized agent to make a request on your behalf by giving us written authorization. We may still require you to verify your identity with us.

Appeals Process for Rights Requests Denials

In some circumstances we may deny your request to exercise one of these rights. For example, if we cannot verify that you are the account owner we may deny your request to access the personal information associated with your account. As another example, if we are legally required to maintain a copy of your personal information we may deny your request to delete your personal information.

In the event that we deny your request, we will communicate this fact to you in writing. You may appeal our decision by responding in writing to our denial email and stating that you would like to appeal. All appeals will be reviewed by an internal expert who was not involved in your original request. In the event that your appeal is also denied this information will be communicated to you in writing. Please note that the appeal process does not apply to job applicants.

If your appeal is denied, in some US states (Colorado, Connecticut, and Virginia) you may refer the denied appeal to the state attorney general if you believe the denial is in conflict with your legal rights. The process for how to do this will be communicated to you in writing at the same time we send you our decision about your appeal.

How to Reach Us

Email: support@thecollectivecoaching.com

Privacy Policy Changes

Although most changes are likely to be minor, The Collective may change its Privacy Policy from time to time. The Collective encourages visitors to frequently check this page for any changes to its Privacy Policy. If we make changes, we will notify you by email, and, in some cases, we may provide additional notice (like adding a statement to our homepage or the Community). Your further use of the services after a change to our Privacy Policy will be subject to the updated policy.

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