Privacy Policy

Last Updated: January 18, 2026

Welcome to 40 Days to Financial Peace ("we," "our," or "us"). Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you purchase and use our digital devotional product.

        Quick Summary: We collect minimal personal information
        (name, email, payment info) only to deliver your purchase. We don't sell
        your data. We use trusted third-party platforms (Kiwify, Google Drive)
        to process payments and deliver content. You can request deletion of
        your data at any time.
      

1. Information We Collect

1.1 Information You Provide Directly

When you purchase our product, we collect:

Personal Identification: Full name, email address
Payment Information: Processed securely through Kiwify (we do not store credit card details)
Communication Data: Any messages you send us via email or contact forms
Optional Information: If you join our WhatsApp or Telegram channels, your phone number or Telegram username

1.2 Information Collected Automatically

When you visit our website or access our content, we may automatically collect:

Device Information: IP address, browser type, operating system
Usage Data: Pages viewed, time spent, click patterns
Cookies: Small data files to improve your experience (see Section 6)

1.3 Information We Do NOT Collect

We do NOT collect sensitive financial information (beyond what's processed by Kiwify)
We do NOT collect health information or detailed personal circumstances
We do NOT track your devotional progress or personal journal entries

2. How We Use Your Information

We use your information for the following purposes:

2.1 Product Delivery

To process your purchase and deliver digital content (MP3 files, PDFs)
To provide access to Google Drive folders containing your materials
To send download links and access instructions
To notify you when new content (Days 8-40) is released

2.2 Customer Support

To respond to your questions, concerns, or technical issues
To process refund requests through Kiwify
To improve our product based on your feedback

2.3 Communication

To send transactional emails (purchase confirmation, content delivery, refund confirmations)
To send notifications via WhatsApp or Telegram (if you've joined our channels) about new content releases
To send occasional encouragement messages or product updates (you can opt out anytime)

2.4 Legal Compliance

To comply with applicable laws and regulations
To protect against fraud, abuse, or illegal activity
To enforce our Terms of Service

3. How We Share Your Information

We do NOT sell, rent, or trade your personal information. We only share your data with trusted third parties as described below:

3.1 Payment Processing

Kiwify: Our payment processor handles all financial transactions. They collect and process payment information according to their own privacy policy. Visit Kiwify Privacy Policy

3.2 Content Delivery

Google Drive: We use Google Drive to host and deliver PDF workbooks. Google's privacy practices apply to files stored on their platform. Visit Google Privacy Policy

3.3 Communication Platforms

WhatsApp: If you join our WhatsApp channel, WhatsApp's privacy policy applies. Visit WhatsApp Privacy Policy
Telegram: If you join our Telegram channel, Telegram's privacy policy applies. Visit Telegram Privacy Policy

3.4 Legal Requirements

We may disclose your information if required by law, court order, or governmental authority.

4. Data Retention

We retain your personal information only as long as necessary to:

Provide you with ongoing access to your purchased content
Comply with legal obligations (e.g., tax records, refund processing)
Resolve disputes or enforce our agreements

Retention Periods:

Purchase records: Retained for 7 years (for tax/legal compliance)
Product access: Lifetime access to your purchased materials
Email communications: Retained until you request deletion or unsubscribe
Support tickets: Retained for 2 years after resolution

5. Your Rights and Choices

You have the following rights regarding your personal information:

5.1 Access

You can request a copy of the personal information we hold about you.

5.2 Correction

You can request correction of inaccurate or incomplete information.

5.3 Deletion

You can request deletion of your personal information, subject to legal retention requirements. Note that deleting your data may prevent access to your purchased content.

5.4 Opt-Out

Marketing emails: Click "unsubscribe" in any email
WhatsApp/Telegram: Leave the channel at any time
Cookies: Adjust your browser settings (see Section 6)

5.5 Data Portability

You can request a copy of your data in a portable format (e.g., PDF or CSV).

To exercise these rights, contact us at: brother.gabriel.devotional@gmail.com

6. Cookies and Tracking Technologies

We use cookies and similar technologies to improve your experience:

6.1 Types of Cookies

Essential Cookies: Required for the website to function (e.g., maintaining your session)
Analytics Cookies: Help us understand how visitors use our site (e.g., Google Analytics)
Marketing Cookies: Track conversions from ads (e.g., Facebook Pixel, if applicable)

6.2 Managing Cookies

You can control cookies through your browser settings. Note that disabling essential cookies may affect website functionality.

6.3 Third-Party Analytics

Google Analytics: We may use Google Analytics to understand website traffic. Opt out at Google Analytics Opt-out

7. Data Security

We take reasonable measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction:

Encryption: All payment transactions are encrypted via SSL/TLS
Secure Hosting: Google Drive uses industry-standard security measures
Access Controls: Only authorized personnel have access to customer data
Regular Monitoring: We monitor for suspicious activity

Important: While we implement strong security measures, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security.

8. Children's Privacy

Our product is intended for adults (18+). We do not knowingly collect personal information from children under 13. If we discover we have collected information from a child under 13, we will delete it immediately.

If you believe we have inadvertently collected information from a minor, please contact us at brother.gabriel.devotional@gmail.com.

9. International Users

Our product is available globally. If you are located outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States or other countries where our service providers operate.

9.1 GDPR (European Union)

If you are in the EU, you have additional rights under GDPR:

Right to object to processing
Right to restrict processing
Right to lodge a complaint with a supervisory authority

9.2 LGPD (Brazil)

If you are in Brazil, you have rights under LGPD similar to GDPR.

9.3 Other Jurisdictions

We comply with applicable data protection laws in all jurisdictions where we operate.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors.

When we make changes:

We will update the "Last Updated" date at the top of this page
For significant changes, we will notify you via email or prominent notice on our website
Continued use of our product after changes constitutes acceptance of the updated policy

We encourage you to review this Privacy Policy periodically.

11. Third-Party Links

Our website may contain links to third-party websites (e.g., Bible resources, financial counseling services). We are not responsible for the privacy practices of these external sites. We encourage you to read their privacy policies.

12. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy, please contact us:

40 Days to Financial Peace
Brother Gabriel

Email: brother.gabriel.devotional@gmail.com
Response Time: We aim to respond within 48 hours

For payment-related issues, please contact Kiwify support directly at help.kiwify.com/en/

13. Definitions

"Personal Information": Information that identifies you as an individual (name, email, IP address)
"Processing": Any operation performed on personal information (collection, storage, use, disclosure, deletion)
"Third Party": Any entity other than you or us
"Services": Our digital devotional product, website, and related communications

14. Consent

By purchasing our product, using our website, or joining our communication channels, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy.

You may withdraw your consent at any time by contacting us, but this may affect your ability to access purchased content or receive support.

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