Privacy Policy
Effective Date: July 16, 2025

At Zero Debt Degree, your privacy is important. This Privacy Policy outlines how we collect, use, share, and protect your information when you visit our website or use our services, including coaching programs, consultations, and digital products.

1. Data Collection

We collect two types of information:

1. Information You Provide Directly:
   When you fill out a contact form, schedule a consultation, subscribe to a newsletter, or purchase a product, you may be asked to provide:

• Name
  
  
• Email address
  
  
• Phone number
  
  
• Payment and billing information (processed via Stripe)
  
  
• Other details relevant to your service needs
  
  

1. Information Collected Automatically:
   Through cookies and other tracking technologies, we may collect:

• Browser type and version
  
  
• IP address
  
  
• Device type and operating system
  
  
• Referring site
  
  
• Pages visited and time spent on each page
  
  
• Site interaction data (e.g., forms clicked)
  
  

2. Data Uses

We use your information to:

• Deliver and manage our coaching programs, consultations, and product offerings
  
  
• Communicate updates, reminders, scholarship alerts, and promotions
  
  
• Improve our website and services based on analytics and user feedback
  
  
• Respond to your questions, service requests, or support issues
  
  
• Enforce legal terms or comply with applicable laws
  
  
• Personalize your experience and recommend relevant content
  
  

3. Data Location

Your personal data may be stored and processed by secure servers in the United States or other countries where our service providers operate. Data transfers are conducted with appropriate safeguards in place, including contractual obligations, to ensure your information remains protected.

4. Data Retention

We retain your data only for as long as necessary to:

• Provide services and fulfill transactions
  
  
• Maintain records for legal, tax, and audit purposes
  
  
• Resolve disputes or enforce our agreements
  
  

Afterward, data is either deleted or anonymized, unless otherwise required by law.

5. Data Security

We use a combination of technical, physical, and administrative safeguards to protect your information, including:

• SSL encryption
  
  
• Secure third-party payment processors (Stripe)
  
  
• Access controls for staff and contractors
  
  
• Regular plugin and system updates
  
  

Only authorized personnel have access to personal data and are trained in privacy and security procedures.

6. Data Sharing

We do not sell your personal information to third parties.

We may share limited information with:

• Payment processors: Stripe for secure transactions
  
  
• Website development tools: Elementor and JetFormBuilder to power contact forms and page design
  
  
• SEO tools: Yoast SEO to help us optimize content (may collect page-level and meta data)
  
  
• Image optimization: Imagify to improve website speed (automated image compression, no user-level data shared)
  
  
• Form builders: JetFormBuilder securely stores form submissions within WordPress
  
  
• Backup services: All-in-One WP Migration and its Unlimited Extension allow for full-site encrypted backups
  
  
• Analytics tools: Built-in WordPress analytics and form tracking to evaluate performance
  
  
• Email communications: May be sent manually or via future integrations (e.g., Mailchimp or WooCommerce extensions)
  
  

All third-party services are required to comply with applicable data protection laws and only use your information as instructed by Zero Debt Degree.

7. Cookies and Tracking Technologies

Cookies help us enhance your experience by remembering your preferences, tracking usage, and identifying site improvements. We use:

• Session cookies to help navigate pages
  
  
• Persistent cookies to store preferences
  
  
• Analytics cookies to track visitor behavior (non-personally identifiable)
  
  

You can disable cookies in your browser, but doing so may affect site functionality.

8. Communications

You may receive communications from us about:

• Service confirmations
  
  
• Updates to services or policies
  
  
• Scholarship notifications or tips
  
  
• Promotions, discounts, or new offers
  
  

You can opt out of marketing messages at any time using the unsubscribe link. However, you may still receive service-related emails like receipts or scheduling reminders.

9. Your Choices and Rights

You may:

• Request access to or correction of your personal data
  
  
• Ask for your information to be deleted
  
  
• Withdraw consent to marketing emails
  
  
• Request a copy of the data we hold about you
  
  
• Disable cookies via your browser settings
  
  

To make any of these requests, email contact@janeishacambridge.com.

10. Children’s Privacy

Our services are not intended for children under 13. We do not knowingly collect or store personal data from anyone under this age. If it’s discovered that such information has been collected, we will delete it promptly.

11. Third-Party Plugins and Tools We Use

To run and maintain this website, we rely on several third-party tools and WordPress plugins that may collect limited user information:

• Elementor & Elementor Pro: Used to design, build, and customize pages. May collect technical data (browser, page load time) for optimization.
  
  
• JetFormBuilder: Captures user-submitted data via forms and stores it securely within WordPress.
  
  
• Yoast SEO: Optimizes content visibility on search engines using site metadata. Does not collect personal data.
  
  
• All-in-One WP Migration & Unlimited Extension: Backup and migration tools that securely store entire site data including form submissions.
  
  
• Imagify: Optimizes images to improve page speed. Does not retain user-specific data.
  
  
• WooCommerce: Used for product sales and checkout experiences. Collects transactional data only.
  
  
• Stripe: Secure payment gateway. Manages billing information and processes payments on our behalf.
  
  

All third-party tools and services are selected for compliance with global privacy standards, including GDPR and CCPA (where applicable).

12. Changes to This Policy

We may update this Privacy Policy periodically. Any changes will be posted on this page with an updated effective date. Continued use of our website after changes are made indicates your agreement to the revised terms.

13. Contact Us

For any privacy-related questions or concerns, please contact:

📧 contact@janeishacambridge.com