1. Introduction and Overview

Botelho Financial Group LLC ("Company," "we," "us," or "our"), a Massachusetts Limited Liability Company with its principal place of business at 901 Eastern Ave., Suite 4, Fall River, MA 02723, is committed to protecting the privacy of individuals who visit and use our website located at https://immigration-courses.com/ (the "Website") and purchase or access any of our products or services.

This Privacy Policy explains what personal information we collect, how we collect it, how we use and protect it, with whom we share it, and what rights you have with respect to your personal information. This Privacy Policy applies to all information collected through our Website, course platform, email communications, and any other interactions you have with us.

This Privacy Policy is incorporated by reference into our Terms and Conditions, available at: https://portal.immigration-courses.com/Terms-&-Conditions. If you have questions about this Privacy Policy, please contact us at info@immigration-courses.com.

2. Information We Collect

2.1 Information You Provide Directly

When you create an account, make a purchase, contact us, or interact with our Website or course platform, you may provide us with:

2.2 Information Collected Automatically

When you visit our Website, we and our third-party service providers may automatically collect certain technical and usage information, including:

This information is collected through cookies, pixels, web beacons, and similar tracking technologies as described in Section 6 of this Privacy Policy.

2.3 Information from Third-Party Platforms

We may receive certain information about you from third-party platforms we use to operate our business, including:

3. How We Use Your Information

3.1 To Provide Products and Services

3.2 To Communicate With You

3.3 To Operate and Improve Our Business

3.4 For Marketing and Advertising

3.5 For Legal and Compliance Purposes

3.6 Unsubscribe and Communication Preferences

You may opt out of receiving marketing emails from us at any time by clicking the "unsubscribe" link in any marketing email we send you or by contacting us at info@immigration-courses.com. Please note that even if you opt out of marketing communications, you will continue to receive transactional and account-related communications necessary to provide you with the products and services you have purchased.

4. Legal Basis for Processing

To the extent required by applicable law, we process your personal information on the following legal bases:

5. Payment Information and Third-Party Processors

5.1 Kajabi Payments (Powered by Stripe)

Payment transactions on our Website are processed through Kajabi Payments, powered by Stripe on the backend. When you make a purchase, your payment card information is submitted directly to and processed through Kajabi Payments and Stripe's secure infrastructure. Botelho Financial Group LLC does not directly collect, store, or have access to your full payment card numbers.

5.2 Afterpay

If you select Afterpay as a Buy Now, Pay Later financing option at checkout, your payment and financial information will be collected and processed directly by Afterpay. Botelho Financial Group LLC receives payment in full from Afterpay at the time of your purchase. Your repayment obligations are solely between you and Afterpay. See: Afterpay Privacy Policy and Terms of Service.

5.3 Klarna

If you select Klarna as a Buy Now, Pay Later financing option at checkout, your payment and financial information will be collected and processed directly by Klarna. Botelho Financial Group LLC receives payment in full from Klarna at the time of your purchase. Your repayment obligations are solely between you and Klarna. See: Klarna Privacy Policy and Klarna Terms.

5.4 Security of Payment Information

While we do not store your full payment card information, we implement commercially reasonable security measures to protect all personal information transmitted through our Website. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

6. Cookies and Tracking Technologies

6.1 What Are Cookies

Cookies are small text files placed on your device when you visit a website. We and our third-party service providers use cookies, pixels, web beacons, and similar tracking technologies to collect information about your interactions with our Website and to provide certain features and functionality.

6.2 Types of Cookies We Use

6.3 Third-Party Cookies

Some cookies on our Website are placed by third-party service providers, including our course platform (Kajabi), payment processors, and advertising partners. These third parties may use cookies to collect information about your online activities across different websites and over time. We do not control these third-party cookies and encourage you to review the privacy policies of the applicable third parties.

6.4 Managing Cookies

Most web browsers allow you to control cookies through their settings. Please note that disabling certain cookies may affect the functionality of our Website or your ability to access course materials.

You may also opt out of certain interest-based advertising by visiting:

6.5 Do Not Track

Some browsers transmit "Do Not Track" signals to websites. Our Website does not currently respond to Do Not Track signals. We will update this Privacy Policy if our practices change.

7. How We Share Your Information

7.2 Service Providers

We may share your personal information with trusted third-party service providers who assist us in operating our Website and delivering our products and services. Our current service providers include:

7.3 Legal Requirements

We may disclose your personal information if required to do so by law or in the good-faith belief that such action is necessary to comply with a legal obligation, protect our rights or property, prevent or investigate wrongdoing, or protect the personal safety of users or the public.

7.4 Business Transfers

In the event that Botelho Financial Group LLC is involved in a merger, acquisition, reorganization, sale of assets, or bankruptcy proceeding, your personal information may be transferred as part of that transaction. We will provide notice of any such transfer and any choices you may have regarding your information in accordance with applicable law.

7.5 With Your Consent

We may share your personal information with third parties when you have given us your explicit consent to do so.

7.6 Aggregated or De-Identified Data

We may share aggregated or de-identified information that cannot reasonably be used to identify you with third parties for research, analytics, marketing, or other purposes.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy. In general, we retain account and purchase information for a period of no less than three (3) years from your last interaction with us, consistent with the three-year course Access Period described in our Terms and Conditions, and as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. Financial transaction records may be retained for longer periods as required by applicable tax and accounting laws. When personal information is no longer needed for these purposes, we will securely delete or anonymize it in accordance with our data retention practices and applicable law.

9. Data Security

We implement commercially reasonable technical, administrative, and physical security measures designed to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These measures include, but are not limited to, encryption of data in transit, access controls, and secure hosting environments.

10. Children's Privacy

Our Website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you believe that we have inadvertently collected personal information from a child under 18, please contact us immediately at info@immigration-courses.com and we will take steps to delete such information from our records.

11. Your Privacy Rights and Choices

11.1 Access, Correction, and Deletion

You have the right to request access to the personal information we hold about you, to request correction of inaccurate information, and to request deletion of your personal information, subject to certain exceptions required by law or necessary for us to fulfill our contractual obligations to you.

11.2 Marketing Communications

You may opt out of receiving marketing emails from us at any time by:

11.3 Cookies

You may manage your cookie preferences through your browser settings as described in Section 6.4 of this Privacy Policy.

11.4 California Privacy Rights

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including the right to know what personal information we collect and how it is used, the right to request deletion of your personal information, the right to opt out of the sale of your personal information (we do not sell personal information), and the right not to be discriminated against for exercising your privacy rights.

11.5 Nevada Privacy Rights

If you are a Nevada resident, you have the right to opt out of the sale of certain personal information to third parties. We do not currently sell personal information as defined under Nevada law. If you have questions regarding our data practices, please contact us at info@immigration-courses.com.

12. Third-Party Websites and Links

Our Website may contain links to third-party websites, platforms, or resources. This Privacy Policy applies only to our Website and does not govern the data practices of any third-party websites. We are not responsible for the privacy practices or content of any third-party websites. We encourage you to review the privacy policies of any third-party website you visit.

13. Community and User-Generated Content

If you participate in any Community discussion area, forum, or private group associated with our courses, please be aware that any information you post or share in those areas may be visible to other Community members. You should exercise caution when sharing personal information in any Community setting. We are not responsible for the use of information you voluntarily disclose in Community areas.

14. Marketing Emails and Communications

We may use your email address to send you marketing communications, including promotional offers, course updates, newsletters, and information about new products and services. By purchasing a product or service from us or by subscribing to our email list, you consent to receive these communications. You may unsubscribe from marketing emails at any time as described in Section 11.2. We comply with applicable anti-spam laws, including the CAN-SPAM Act, in all our email communications.

15. International Users

Our Website is operated in the United States and is intended primarily for users located in the United States. Our courses are designed to address U.S. immigration processes. If you are accessing our Website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States, where data protection laws may differ from those in your country or region. By using our Website, you acknowledge and consent to the transfer of your information to the United States.

16. Updates to This Privacy Policy

We reserve the right to update, modify, or change this Privacy Policy at any time in our sole discretion. Any changes will be posted on this page with a revised "Last Updated" date and at https://portal.immigration-courses.com/privacy-policy. Your continued use of our Website or any products or services after any changes to this Privacy Policy have been posted constitutes your acceptance of the revised Privacy Policy.

17. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at: