Effective 1 April 2026

Welcome to Fa De Kulcha Consulting ("we," "our," or "us"). We are committed to protecting your privacy and handling your personal information responsibly.

This Privacy Policy explains how we collect, use, store, and protect your information when you visit our website, download our resources, complete our forms, or use our financial coaching services.

By using our website or services, you agree to the practices described in this Privacy Policy.

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1. Information We Collect

Depending on how you interact with us, we may collect the following information.

Personal Information

• Full name

• Email address

• Telephone number

• Mailing address (if voluntarily provided)

Coaching Information

If you become a client or complete an intake form, we may collect information including:

• Financial goals

• Savings goals

• Spending habits

• Budget information

• Income ranges

• Financial challenges

• Financial priorities

• Homework submissions

• Progress notes

• Coaching session feedback

Providing this information is voluntary but helps us personalize your coaching experience.

2. Information Collected Automatically

When you visit our website, certain information may be collected automatically, including:

• IP address

• Browser type

• Device information

• Pages visited

• Time spent on our website

• Referral source

This information helps us improve the performance and user experience of our website.

3. How We Use Your Information

We use your information to:

• Provide financial coaching services.

• Respond to enquiries.

• Schedule appointments.

• Deliver downloadable resources.

• Personalize coaching sessions.

• Develop budgets, savings plans, and financial action plans.

• Monitor coaching progress.

• Improve our services.

• Send appointment reminders.

• Send educational emails and newsletters (where you have opted in).

• Comply with legal obligations.

We will never sell or rent your personal information.

4. Email Communications

If you:

• download a free resource,

• subscribe to our newsletter,

• complete a website form, or

• become a client,

we may contact you regarding:

• Coaching services

• Financial education

• Resources

• Business updates

• Promotions

• Appointment reminders

You may unsubscribe from marketing emails at any time using the unsubscribe link included in our emails.

Essential service-related communications may still be sent while you are an active client.

5. Cookies

Our website may use cookies to:

• Improve website functionality

• Understand website traffic

• Remember user preferences

• Improve future content

You may disable cookies through your browser settings if you prefer.

6. Third-Party Services

We may use trusted third-party services to operate our business, including platforms for:

• Website hosting

• Scheduling appointments

• Email marketing

• Online forms

• Payment processing

• Video conferencing

• File storage

These providers only receive the information necessary to perform their services and are expected to maintain appropriate security measures.

7. Payment Information

Payments may be processed through secure third-party payment providers.

Fa De Kulcha Consulting does not store or have access to your complete credit or debit card information.

8. Confidentiality

Information shared during coaching sessions is treated as confidential.

We will only disclose information:

• with your written permission;

• where required by law; or

• where necessary to protect the safety of you or others.

9. Data Security

We take reasonable administrative, technical, and physical measures to protect your personal information against unauthorized access, disclosure, misuse, or loss.

While no online system can guarantee absolute security, we are committed to protecting your information to the best of our ability.

10. Data Retention

We retain personal information only as long as necessary to:

• provide coaching services;

• maintain business records;

• comply with legal obligations; or

• resolve disputes.

When information is no longer required, it will be securely deleted or destroyed where reasonably practicable.

11. Your Rights

Subject to applicable laws, you may request to:

• Access the personal information we hold about you.

• Correct inaccurate information.

• Update your contact information.

• Withdraw consent for marketing communications.

• Request deletion of your personal information where appropriate.

To exercise these rights, please contact us using the details below.

12. Children's Privacy

Our services are intended for individuals aged 18 years and older.

We do not knowingly collect personal information from children.

13. Third-Party Links

Our website may contain links to third-party websites.

We are not responsible for the privacy practices or content of those websites.

We encourage you to review their privacy policies before providing personal information.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

The updated version will always be posted on our website with the revised effective date.

Your continued use of our website or services constitutes acceptance of any updates.

15. Contact Us

If you have any questions regarding this Privacy Policy or how your information is handled, please contact us:

Fa De Kulcha Consulting via email at info@fadekulcha.com