This Privacy Policy explains how Boss Up Wealth Circle, operated by The AJ Collective ("we," "us," or "our"), collects, uses, and shares your personal information when you visit our website, purchase our products, join the community, or participate in the Referral Program (together, the "Services").
By using the Services, you agree to the practices described here. If you do not agree, please do not use the Services.
01Information we collect
We collect information you give us directly, information collected automatically as you use the Services, and information we receive from the service providers who help us operate.
Information you provide
- Account & contact details — your name, email address, and phone number.
- Payment information — processed by our third-party payment processor. We receive limited billing details (such as the last four digits and confirmation of payment); we do not store your full card number.
- Content you submit — posts, messages, support requests, and profile information you share in the community or with our team.
- Referral Program details — information needed to enroll you, attribute referrals, and pay commissions.
Information collected automatically
- Usage & device data — pages viewed, links clicked, features used, approximate location, IP address, browser type, and device information, collected through cookies and similar technologies.
02How we use your information
We use personal information to:
- Provide, operate, and maintain the Services and your account;
- Process payments, subscriptions, and Referral Program commissions;
- Deliver community access, software, courses, mentorship, and digital products;
- Communicate with you — including transactional messages, service updates, and (with appropriate consent where required) marketing emails and texts;
- Provide customer support and respond to your requests;
- Personalize content and improve the Services through analytics;
- Detect, prevent, and address fraud, abuse, and security issues; and
- Comply with legal obligations and enforce our Terms.
03How we share information
We do not sell your personal information. We share it only as needed to run the Services:
- Service providers (processors) — companies that perform services on our behalf, such as payment processing, email/SMS delivery, the community platform, hosting, analytics, and the financial-education software vendor. They may access personal information only to perform work for us and are bound to protect it.
- Referral attribution — limited information used to attribute a referral to the correct referral partner (we do not share your payment details with referral partners).
- Legal & safety — when required by law, to respond to lawful requests, or to protect the rights, property, or safety of our users, the public, or us.
- Business transfers — in connection with a merger, acquisition, financing, or sale of assets, subject to this policy.
04Processors & subprocessors
We rely on trusted third parties to operate the Services. These categories of providers may process your information:
| Category | Purpose | Data involved |
|---|---|---|
| Payment processor | Process purchases, subscriptions & payouts | Name, email, billing & transaction details |
| Email & SMS provider | Send transactional & marketing messages | Name, email, phone, engagement data |
| Community platform | Host the membership community & content | Name, email, profile & posts |
| Financial-education software vendor | Provide financial monitoring & education tools | Account details you provide to the tool |
| Hosting & analytics | Run the website & understand usage | Usage, device & cookie data |
Each provider uses your information only to perform services for us and under contractual confidentiality and security obligations. Their own handling of data you supply directly to them may also be governed by their privacy policies.
05Cookies & tracking
We and our providers use cookies, pixels, and similar technologies to keep you logged in, remember preferences, measure performance, and understand how the Services are used. You can control cookies through your browser settings; disabling some cookies may affect how the Services work. Where required by law, we request consent for non-essential cookies.
06Data retention
We keep personal information for as long as needed to provide the Services, maintain your account, comply with legal, tax, and accounting obligations, resolve disputes, and enforce our agreements. When information is no longer needed, we delete or de-identify it.
07Security
We use reasonable administrative, technical, and organizational safeguards designed to protect personal information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security. Please protect your account credentials and contact us if you believe your account has been compromised.
08Your privacy rights
Depending on where you live, you may have rights to:
- Access the personal information we hold about you;
- Correct inaccurate information;
- Delete your information, subject to legal exceptions;
- Opt out of marketing communications at any time (use the unsubscribe link, reply STOP to texts, or contact us); and
- Request a copy of certain information, or object to or restrict certain processing.
To exercise any of these rights, email support@a-j-collective.com. We will respond consistent with applicable law and may need to verify your identity first. We will not discriminate against you for exercising your rights.
09Children's privacy
The Services are intended for adults 18 and older. We do not knowingly collect personal information from children. If you believe a child has provided us personal information, contact us and we will delete it.
10Changes to this policy
We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date above and, where appropriate, provide additional notice. Your continued use of the Services after an update means you accept the revised policy.
11Contact us
Questions or requests about your privacy? Contact us:
Boss Up Wealth Circle — operated by The AJ Collective
Email: support@a-j-collective.com