Privacy Policy

PRIVACY POLICY

Effective Date: August 5, 2026

Last Updated: August 5, 2026

Advisori, LLC ("Advisori," "Company," "we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information when you interact with:

• www.advisoriinsiders.com, www.annakonchar.com
• Other websites and checkout pages that link to this Privacy Policy
• Our online courses, coaching programs, memberships, communities, webinars, and digital content
• Our email, text message, advertising, customer support, and related services

Collectively, these are the "Services."

Our Terms of Use, Purchase, and Subscription govern your use and purchase of the Services.

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1. Personal Information We Collect

"Personal information" means information that identifies, relates to, describes, or can reasonably be linked with an individual or household.

1.1 Information You Provide

We may collect:

• Contact information: Name, email address, telephone number, mailing address, and business contact information.
• Account information: Login credentials, account preferences, program enrollments, and subscription status.
• Transaction information: Products purchased, purchase dates, payment schedules, payment status, refunds, cancellations, and billing contact information.
• Business information: Business name, social-media pages, business goals, advertising activities, professional background, and information submitted through coursework or program applications.
• Communications: Emails, support requests, survey responses, refund requests, testimonials, reviews, and other correspondence.
• Community content: Posts, comments, profile information, messages, and other content shared through Facebook Groups or other community platforms.
• Audio and video information: Recordings of coaching sessions, live calls, webinars, Q&A sessions, and other online events.
• Marketing preferences: Email and text-message subscriptions, communication preferences, and consent records.

1.2 Information Collected Automatically

When you use the Services, we and our technology providers may automatically collect:

• IP address
• Browser and device type
• Operating system
• Device identifiers
• Approximate location derived from IP address
• Referring website or advertisement
• Pages viewed and links selected
• Dates, times, and duration of visits
• Purchase and conversion events
• Email engagement
• Cookie and advertising identifiers
• Interactions with forms, videos, advertisements, and website features

We collect this information through cookies, pixels, tags, software development kits, local storage, and similar technologies.

1.3 Payment Information

Payments may be processed through Stripe, PayPal, Spiffy, or another payment processor identified at checkout. Payment processors may collect payment-card numbers, bank information, billing addresses, and authentication information. Advisori generally receives transaction confirmations, payment status, limited billing details, and fraud-prevention information rather than complete payment-card numbers.

Payment processors process information under their own privacy policies and terms.

1.4 Information From Other Sources

We may receive information from:

• Kajabi
• Stripe, PayPal, and Spiffy
• Meta and Facebook
• Google
• Zoom
• Email and SMS providers
• Affiliates and referral partners
• Advertising and analytics providers
• Social-media platforms
• Publicly available business and social-media sources

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2. How We Use Personal Information

We may use personal information to:

• Create and administer accounts
• Process purchases and payments
• Provide courses, coaching, memberships, and digital content
• Operate communities and live sessions
• Process cancellations and refund requests
• Provide customer support
• Send transactional messages
• Send marketing emails and text messages with applicable consent
• Personalize content and recommendations
• Measure website, advertising, and campaign performance
• Conduct retargeting and interest-based advertising
• Create custom and lookalike advertising audiences
• Administer affiliate and referral programs
• Detect fraud, security incidents, and unauthorized access
• Enforce our Terms and protect our intellectual property
• Maintain legal, accounting, and business records
• Develop and improve the Services
• Create aggregated or deidentified analytics
• Comply with legal obligations

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3. Cookies and Tracking Technologies

We use the following categories of technologies:

3.1 Strictly Necessary Technologies

These technologies support account authentication, security, checkout, payment processing, preference storage, and core website operation. Disabling them may prevent parts of the Services from working.

3.2 Analytics Technologies

We may use Google Analytics, Kajabi analytics, and similar tools to understand website traffic, usage, conversions, and performance.

3.3 Advertising Technologies

We may use the Meta Pixel, Google Ads technologies, customer-list audiences, lookalike audiences, and similar tools to:

• Measure advertising performance
• Attribute purchases or registrations to advertisements
• Deliver relevant advertising
• Retarget visitors across websites and platforms

These activities may constitute "sharing," "targeted advertising," or a "sale" under certain state privacy laws, even when Advisori does not receive money for personal information.

3.4 Affiliate Technologies

Affiliate links and tracking technologies may record that you followed a referral link or completed a purchase. Advisori may receive a commission from the merchant if you purchase through an affiliate link.

3.5 Cookie Choices

You may manage nonessential cookies through the cookie settings or "Your Privacy Choices" link available on the website.

Where required by law, we honor recognized universal opt-out signals, including Global Privacy Control, as a request to opt out of targeted advertising and the sale or sharing of personal information for the browser or device sending the signal.

Browser "Do Not Track" signals do not have a uniform legal or technical standard. We do not separately respond to those signals unless required by law.

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4. Advertising and Audience Matching

We may disclose identifiers, contact information, device information, commercial information, and online activity to Meta, Google, and other advertising providers for conversion measurement, audience matching, retargeting, and interest-based advertising.

For example, we may provide a hashed email address or telephone number to an advertising platform to create a customer audience or identify users with similar characteristics. Hashing does not necessarily make information anonymous.

You may opt out through:

• The "Your Privacy Choices" link on our website
• Our cookie settings
• A supported Global Privacy Control signal
• A request sent to [email protected]

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5. How We Disclose Personal Information

We may disclose personal information to the following categories of recipients:

5.1 Service Providers

Service providers that support hosting, checkout, payment processing, communications, security, analytics, customer support, and program delivery. These may include Kajabi, Stripe, PayPal, Spiffy, Zoom, and email and SMS providers.

5.2 Advertising and Analytics Partners

Meta, Google, and similar providers that support analytics, advertising, conversion measurement, audience matching, and retargeting.

5.3 Affiliates and Referral Partners

Merchants, affiliate networks, and referral partners associated with an offer, referral link, promotion, or commission arrangement.

5.4 Community and Social-Media Platforms

Facebook Groups and other platforms used to operate participant communities. Information you post in a community may be visible to other participants and processed by the platform provider.

5.5 Professional Advisers

Accountants, auditors, insurers, consultants, and legal advisers.

5.6 Legal and Security Recipients

Government authorities, courts, law enforcement, regulators, payment networks, and other parties when reasonably necessary to:

• Comply with law or legal process
• Enforce our agreements
• Protect rights, property, or safety
• Investigate fraud or security incidents
• Resolve payment disputes

5.7 Business Transactions

Potential or actual purchasers, investors, lenders, or successors in connection with a merger, financing, acquisition, restructuring, bankruptcy, or sale of assets.

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6. Sale and Sharing of Personal Information

Advisori does not sell personal information for money.

We may share personal information with advertising, analytics, and affiliate partners in ways that certain state laws define as a "sale," "sharing," or "targeted advertising."

The categories that may be disclosed for these purposes include:

• Identifiers
• Contact information
• Commercial and transaction information
• Internet and device activity
• Advertising and referral information
• Inferences concerning interests or preferences

We do not knowingly sell or share sensitive personal information or personal information belonging to individuals under 18.

You may opt out as described in Section 4.

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7. Email and Text-Message Marketing

7.1 Email

We may send marketing emails when permitted by law. You may unsubscribe using the link included in a marketing email.

Unsubscribing from marketing does not prevent transactional communications concerning purchases, subscriptions, accounts, security, or customer support.

7.2 Text Messages

If you separately consent, we may send marketing text messages using automated technology. Consent to marketing texts is not a condition of purchase.

Message frequency may vary. Message and data rates may apply. You may withdraw consent by replying STOP or using another reasonable opt-out method described in the message.

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8. Recordings

We may record coaching calls, live sessions, webinars, Q&A sessions, and similar online events. We will provide notice before or when recording begins.

We may use recordings to:

• Deliver the purchased program
• Provide replays to participants
• Maintain training and business records
• Improve program quality
• Address support, conduct, or contractual issues

We will not use a participant's identifiable image, voice, testimonial, or business results in external advertising without separate consent.

Participants may not independently record sessions unless Advisori provides written permission.

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9. Communities and Public Content

Information shared in Facebook Groups, chats, forums, live sessions, or other participant communities may be visible to other participants.

Do not disclose information you consider confidential, sensitive, or unsuitable for community access. Advisori cannot control how another participant uses information that you voluntarily disclose.

Community activity may also be processed under the applicable platform provider's privacy policy.

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10. Sensitive Personal Information

We do not intentionally request sensitive personal information unless reasonably necessary for a specific disclosed purpose.

Please do not submit government identification numbers, complete payment-card details, health information, biometric information, precise geolocation, or other sensitive information through communities, general forms, or support emails.

Where applicable law requires consent before processing sensitive personal information, we will request that consent separately.

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11. Aggregated and Deidentified Information

We may aggregate or deidentify information and use it for analytics, benchmarking, security, product development, and business planning.

When we treat information as deidentified, we will take reasonable measures to prevent reidentification and will not attempt to reidentify it except as permitted by law to test our deidentification methods.

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12. Data Retention

We retain personal information for periods reasonably necessary to:

• Provide the Services
• Maintain accounts and transaction records
• Process refunds and payment disputes
• Administer subscriptions
• Comply with tax, accounting, and legal requirements
• Preserve consent and contract records
• Protect intellectual property
• Resolve disputes
• Maintain security

Retention periods vary according to the type of information, purpose of collection, contractual requirements, and applicable law.

When information is no longer reasonably necessary, we may delete, anonymize, or securely isolate it.

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13. Security

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information. No method of transmission or storage is completely secure. You are responsible for protecting your account credentials and promptly reporting suspected unauthorized access.

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14. Children's Privacy

The Services are intended for individuals who are at least 18 years old. We do not knowingly collect personal information from children under 13.

If we learn that we collected personal information from a child under 13 without legally sufficient parental consent, we will take reasonable steps to delete it.

A parent or guardian who believes a child submitted personal information may contact [email protected].

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15. Your Privacy Rights

Depending on your state of residence and applicable law, you may have the right to:

• Confirm whether we process your personal information
• Access personal information
• Correct inaccurate personal information
• Delete personal information
• Obtain a portable copy of personal information
• Opt out of targeted advertising
• Opt out of the sale or sharing of personal information
• Opt out of certain profiling
• Withdraw consent
• Limit certain uses of sensitive personal information
• Receive equal service without unlawful discrimination for exercising privacy rights

These rights may be subject to exceptions and verification requirements.

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16. Exercising Your Rights

Submit a privacy request by:

• Emailing [email protected] with the subject line "Privacy Request"; or
• Using the "Your Privacy Choices" link on our website.

Describe the right you wish to exercise and provide enough information for us to identify the relevant account or records.

We may verify your identity before completing a request. We will use information provided for verification only to process and document the request.

An authorized agent may submit a request where permitted by law. We may require proof of authority and may verify the request directly with you.

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17. Appeals

If we deny a privacy request, you may appeal by emailing [email protected] with the subject line "Privacy Appeal."

Include the original request and explain why you believe the decision should be reconsidered. We will respond within the period required by applicable law.

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18. California Privacy Notice

This Section supplements the remainder of this Privacy Policy for California residents.

During the preceding 12 months, we may have collected and disclosed the following categories of personal information:

We may "share" identifiers, commercial information, internet activity, and inferences for cross-context behavioral advertising. We do not sell personal information for money.

We do not use or disclose sensitive personal information to infer characteristics about individuals.

We do not offer financial incentives or price differences in exchange for personal information.

California residents may exercise the rights described in Sections 15 and 16.

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19. External Websites and Services

The Services may contain links to third-party websites, platforms, or offers. This Privacy Policy does not govern those third parties.

Review the applicable third party's privacy policy before providing personal information or completing a transaction.

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20. Changes to This Privacy Policy

We may update this Privacy Policy prospectively to reflect changes in our Services, technology, vendors, or legal obligations.

We will update the "Last Updated" date when changes are posted. If a change materially affects how we use previously collected personal information, we will provide additional notice or request consent where required.

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21. Contact Information

Privacy questions, requests, complaints, and appeals may be submitted to:

Advisori, LLC

PO Box 682 Ankeny, IA 50021

Email: [email protected]