Privacy Policy

1. About this policy

This Privacy Policy explains how Live Beyond Wealth collects, uses, discloses, stores, and protects personal information when you:

• Visit the Live Beyond Wealth website
• Request a guide or other resource
• Subscribe to The What’s Next Letter
• Send a question or message
• Express interest in an offer, event, speaking engagement, or future program
• Take part in an audience-research conversation

“Live Beyond Wealth,” “we,” “us,” and “our” refer to the operator of the Live Beyond Wealth website and editorial project. Live Beyond Wealth operates this editorial website. Use the Contact page for privacy questions.

This policy applies to the website and communication paths that link to it. A separate professional or regulated service may have its own privacy policy and intake process.

2. Information you choose to provide

We may collect information you submit, including:

• Your name
• Your email address
• Your message or question
• Your newsletter and communication choices
• The resource you requested
• Your response to a reflection prompt or audience question
• Your interest in an article, event, speaking topic, or future offer
• Any other information you choose to include in a form or reply

Please avoid sending account numbers, passwords, government identification numbers, medical records, detailed financial records, or other highly sensitive information through ordinary website forms or email.

3. Information collected through normal website use

The website host and security tools may process basic technical information needed to deliver and protect the site, such as:

• Internet Protocol address
• Browser and device type
• Operating system
• Requested page
• Date and time of a request
• Referring page
• Error and security logs
• Required cookie or session information

4. How we use information

We may use personal information to:

• Deliver a guide or resource you requested
• Send The What’s Next Letter when you have chosen to receive it
• Record and respect your communication choices
• Respond to a question, message, or request
• Arrange an audience-research conversation
• Provide information about a requested event, article, or future offer
• Operate, secure, repair, and improve the website
• Understand which material readers find useful
• Prevent misuse, fraud, or security incidents
• Keep records required by law
• Establish, exercise, or defend legal rights

We will use personal information only for the purpose described when it was collected, for a compatible purpose, or as otherwise allowed or required by law.

5. Legal grounds

Depending on where you live, our legal grounds may include:

• Consent: You chose to receive the Letter, requested a resource, or gave another clear permission.
• Your request: Processing is needed to deliver a resource or respond to you.
• Legitimate interests: Processing is reasonably needed to operate, secure, and improve the site, where the law permits and your rights do not take priority.
• Legal obligation: Processing is required to meet a legal duty.
• Legal rights: Processing is needed to establish, exercise, or defend a legal claim.

You may withdraw consent at any time. Withdrawal applies to future use and does not affect processing that was lawful before withdrawal.

6. The What’s Next Letter

We send The What’s Next Letter only through an approved subscriber path.

Each recurring email will include an unsubscribe link. You may also ask us to stop by using the Contact page.

Requesting a guide does not add you to recurring email. The guide request and recurring Letter choice are presented separately.

We do not use an unsubscribe request as a reason to remove records that are needed to prove and respect that request.

7. Cookies

Cookies are small files stored by your browser. Required cookies may be used to:

• Maintain a secure access session
• Remember a privacy or cookie choice
• Protect forms and site functions
• Deliver a feature you requested

A required access-session cookie may be used when a protected area or requested function needs it. It is not used for advertising.

See the Cookie Notice for more information.

8. Service providers

We may use service providers for:

• Website hosting
• Security
• Form handling
• Email delivery
• File delivery
• Technical support
• Legal, accounting, or professional support

These providers may process personal information only as needed to provide their service, follow our instructions, meet their own legal duties, and protect their systems.

We record the providers used for hosting, forms, email, files, and security, together with their processing locations and applicable terms.

9. When information may be disclosed

We may disclose personal information:

• To a service provider described above
• When you direct or authorize us to do so
• To comply with a lawful request, court order, or legal duty
• To protect a person, the website, or legal rights
• During a proposed sale, transfer, financing, or reorganization, subject to suitable confidentiality and legal safeguards

We do not sell personal information for money.

10. International processing

Some service providers may process information outside your province, state, or country. Privacy laws in another place may differ from the laws where you live, and lawful authorities there may have access rights.

Website, email, form, and file providers are recorded before they process personal information.

11. How long we keep information

We keep personal information only as long as reasonably needed for the stated purpose, a legal duty, security, dispute handling, or the protection of rights.

Retention may differ by record. For example:

• Active subscriber records are kept while the subscription remains active.
• Unsubscribe records may be kept to respect the request.
• Contact messages may be kept while the request is open and for a reasonable record period afterward.
• Security logs may be kept for a shorter technical period.
• Permission and approval records may be kept while related content remains in use.

We use a written retention schedule suited to each record type.

12. Security

We use reasonable administrative and technical measures designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure.

No website, email, or storage method can be guaranteed completely secure. Please use the Contact page to report a suspected privacy or security problem and avoid sending sensitive information through ordinary email.

13. Your choices and rights

Depending on the law that applies, you may have the right to:

• Ask whether we hold personal information about you
• Request access to that information
• Ask us to correct inaccurate information
• Ask us to delete information
• Restrict or object to certain processing
• Withdraw consent
• Receive certain information in a portable format
• Ask about service providers and processing locations
• Make a complaint to a privacy or data-protection authority

Some rights have exceptions. We may need to verify your identity before acting on a request.

To make a request, use the Contact page and select Privacy request. Use the Contact page to submit a privacy request.

14. Children’s privacy

The website is designed for adults and is not directed to children.

If you are below the age at which you may provide your own valid consent where you live, do not submit personal information without the permission required by local law.

If we learn that personal information was collected from a child in a way that does not meet applicable law, we will take reasonable steps to remove it.

15. External links

The website may link to external websites or a separately operated professional service. Their privacy practices may differ from ours. Review the privacy information on the site you visit.

16. Changes to this policy

We may update this policy when the website, service providers, or legal duties change.

The current version will appear on this page with a revised “Last updated” date. If a change materially affects an existing consent, we will request a new consent when required.

17. Contact

For a privacy question or request, use the Contact page and select Privacy request.

Use the Contact page for a privacy question or request.