PRIVACY POLICY Last Updated: February 9, 20251.
General Information
Welcome to The Karma People LLC doing business as PT Cash-Pay Solutions ("Company," "we," "us," or "our"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website https://ptcashpaysolutions.com or use our services.
By accessing or using our services, you consent to the practices described in this policy.
2. Information We Collect
We collect various types of information, including:
Personal Information: Name, email, phone number, and billing details.Payment Information: Collected through third-party payment processors such as Stripe, PayPal, and Klarna.
Technical Data: IP address, browser type, device information.
Usage Data: Pages visited, time spent on the site, interactions.Marketing & Communication Data: Preferences for receiving promotional emails and SMS.
Form Submissions: Data collected through form fill-ups from Facebook ads.
3. How We Use Your Information : We use the collected data to:
Provide and improve our services.Process payments and transactions securely.Communicate with you, including customer service inquiries.
Conduct marketing and targeted advertising (Google Ads, Meta Ads).
Analyze website traffic and improve user experience.
4. Sharing and Disclosure of Information We do not sell or rent personal data. We may share your information with:
Service Providers: Third-party tools used for analytics, email marketing, and CRM.Legal Compliance: When required by law or to protect our rights.
5. Payment Processing & Security We use third-party payment processors such as Stripe, PayPal, and Klarna to securely process transactions. These payment providers handle and store your payment information in compliance with their respective security policies. We do not store or retain your payment details on our servers.We comply with applicable data security standards, including PCI DSS (Payment Card Industry Data Security Standard), by using third-party payment processors that implement secure encryption and fraud prevention measures.
6. Refund & Chargeback Policy We offer refunds only if a client purchases a program that includes a money-back guarantee. Refunds must be requested within the stipulated time frame specified in the program's terms. For details on refunds and chargebacks, please refer to our Refund Policy.
7. User Rights (CCPA/CPRA Compliance for California Users) If you are a California resident, you have the right to:
Request access to the personal data we collect.Request deletion of your personal data.Opt-out of data sharing for advertising purposes.
To exercise these rights, please contact us at [email protected].
8. Data Security We implement appropriate security measures, including:
Encryption of sensitive data.Use of secure third-party payment processors.Restricted access to personal data.
9. Data Retention We retain your information as long as necessary for business, legal, and regulatory requirements. Transactional records may be kept for up to 7 years, as required by financial regulations.
10. Cookies & Tracking Technologies We use tracking technologies, including Facebook Pixel, for advertising and analytics. Users can manage cookie preferences through their browser settings. Disabling cookies may affect website functionality.
11. Third-Party Services We integrate with third-party services such as:
Google Analytics for website performance tracking.CRM and email marketing platforms for communication.Facebook and Google Ads for remarketing purposes.
12. Children's Privacy Our services are not intended for individuals under 18. We do not knowingly collect personal data from minors.
13. International Data Transfers Our data storage and processing take place within the United States and India, adhering to applicable data protection laws.
14. Changes to This Privacy Policy We may update this Privacy Policy periodically. Any changes will be posted with an updated effective date.
15. Contact Information If you have any questions about this Privacy Policy, please contact us at:The Karma People LLC dba PT Cash-Pay Solutions
41542 Carriage Horse Dr, Aldie, Virginia 20105
Email: [email protected]
Phone: +1 (571) 609-4587
This Privacy Policy ensures compliance with CCPA/CPRA while maximizing approval from payment processors such as Stripe, PayPal, and Klarna. Let me know if you need further refinements!