Privacy Policy

PRIVACY POLICY

“Last updated: January 1, 2026.”

This Privacy Policy describes our policies and procedures on the collection, use, and disclosure of your information when you use the Service and tells you about your privacy rights and how the law protects you.

We use Your Personal Data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this Privacy Policy.

Interpretation and Definitions

1.1 Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

1.2 Definitions

For the purposes of this Privacy Policy:

Account means a unique account created for You to access our Service or parts of our Service.
Affiliate means an entity that controls, is controlled by or is under common control with a party, where “control” means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
Business, for the purpose of CCPA/CPRA, refers to the Company as the legal entity that collects Consumers' personal information and determines the purposes and means of the processing of Consumers' personal information, or on behalf of which such information is collected and that alone, or jointly with others, determines the purposes and means of the processing of consumers' personal information, that does business in the State of California.
CCPA and/or CPRA refers to the California Consumer Privacy Act (the “CCPA”) as amended by the California Privacy Rights Act of 2020 (the “CPRA”).
Company (referred to as either “the Company,” “We,” “Us,” or “Our” in this Agreement) refers to JM Consulting, LLC, the owner and operator of Stay The Course Institute.
Consumer, for the purpose of the CCPA/CPRA, means a natural person who is a California resident. A resident, as defined in the law, includes (1) every individual who is in the USA for other than a temporary or transitory purpose, and (2) every individual who is domiciled in the USA who is outside the USA for a temporary or transitory purpose.
Cookies are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.
State refers to: Tennessee, United States.
Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.
Do Not Track (DNT) is a concept that has been promoted by U.S. regulatory authorities, in particular the U.S. Federal Trade Commission (FTC), for the Internet industry to develop and implement a mechanism for allowing internet users to control the tracking of their online activities across websites.
Personal Data is any information that relates to an identified or identifiable individual. For the purposes of the CCPA/CPRA, Personal Data means any information that identifies, relates to, describes or is capable of being associated with, or could reasonably be linked, directly or indirectly, with You.
Service refers to the Website, Application, Products, course platform, checkout pages, account access, digital content, and related services provided by or on behalf of the Company.
Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.
Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
Website refers to Stay The Course Institute, accessible at www.staythecourseinstitute.com, and any related pages, checkout pages, course access pages, or subdomains operated by or on behalf of the Company.
Application means any mobile application, web application, or third-party platform application through which the Company makes the Service, Products, course materials, or digital content available, including any application provided by Kajabi or any future application operated by or on behalf of the Company.
You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Collecting and Using Your Personal Data

2.1 Types of Data Collected

2.1(a) Personal Data

While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:

(a) Email address.

(b) First name and last name.

2.1(b) Usage Data

Usage Data is collected automatically when using the Service.

Usage Data may include information such as Your Device's Internet Protocol address (e.g., IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.

We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.

2.2 Tracking Technologies and Cookies

We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:

2.2(a) Cookies or Browser Cookies

A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies.

2.2(b) Web Beacons

Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).

Cookies can be “Persistent” or “Session” Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser. You can learn more about cookies on the TermsFeed website article.

We use both Session and Persistent Cookies for the purposes set out below:

Necessary / Essential Cookies Type: Session Cookies. Administered by: Us. Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.

Cookies Policy / Notice Acceptance Cookies Type: Persistent Cookies. Administered by: Us. Purpose: These Cookies identify if users have accepted the use of cookies on the Website.

Functionality Cookies Type: Persistent Cookies. Administered by: Us. Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.

For more information about the cookies we use and your choices regarding cookies, please visit our Cookies Policy or the Cookies section of our Privacy Policy.

2.3 Use of Your Personal Data

The Company may use Personal Data for the following purposes:

To provide and maintain our Service, including to monitor the usage of our Service.
To manage Your Account: to manage Your registration as a user of the Service.
For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.
To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication regarding updates or informative communications related to the Service.
To provide You with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.
To manage Your requests: to attend and manage Your requests to Us.
For business transfers.
For other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.

We may share Your personal information in the following situations:

With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, for payment processing, and to contact You.
For business transfers.
With Affiliates.
With business partners.
With other users.
With Your consent.

2.4 Retention of Your Personal Data

The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.

2.5 Transfer of Your Personal Data

Your information, including Personal Data, is processed at the Company's operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.

Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.

The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.

2.6 Delete Your Personal Data

You have the right to delete or request that We assist in deleting the Personal Data that We have collected about You.

Our Service may give You the ability to delete certain information about You from within the Service.

You may update, amend, or delete Your information at any time by signing in to Your Account, if you have one, and visiting the account settings section that allows you to manage Your personal information. You may also contact Us to request access to, correct, or delete any personal information that You have provided to Us.

Please note, however, that We may need to retain certain information when we have a legal obligation or lawful basis to do so.

2.7 Disclosure of Your Personal Data

2.7(a) Business Transactions

If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.

2.7(b) Law Enforcement

Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

2.7(c) Other Legal Requirements

The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:

Comply with a legal obligation.
Protect and defend the rights or property of the Company.
Prevent or investigate possible wrongdoing in connection with the Service.
Protect the personal safety of Users of the Service or the public.
Protect against legal liability.

2.8 Security of Your Personal Data

The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.

2.9 Detailed Information on the Processing of Your Personal Data

The Service Providers We use may have access to Your Personal Data. These third-party vendors collect, store, use, process and transfer information about Your activity on Our Service in accordance with their Privacy Policies.

2.10 Email Marketing

We may use Your Personal Data to contact You with newsletters, marketing or promotional materials, course updates, announcements, and other information that may be of interest to You.

You may opt out of receiving marketing communications by following the unsubscribe link or instructions provided in any email We send or by contacting the Company.

We may use email marketing Service Providers, including Kajabi or other approved providers, to manage and send emails to You.

Payments

We may provide paid products and/or services within the Service. In that case, we may use third-party services for payment processing (e.g. payment processors).

We will not store or collect Your payment card details. That information is provided directly to Our third-party payment processors whose use of Your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, Mastercard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of payment information.

Apple Store In-App Payments. Their Privacy Policy can be viewed at the Apple privacy page.
Google Play In-App Payments. Their Privacy Policy can be viewed at the Google privacy page.
Stripe. Their Privacy Policy can be viewed at the Stripe privacy page.
PayPal. Their Privacy Policy can be viewed at the PayPal privacy page.
Kajabi Payments. Their Privacy Policy can be viewed at the Kajabi privacy page.
Klarna. Their Privacy Policy can be viewed at the Klarna privacy page.
Afterpay. Their Privacy Policy can be viewed at the Afterpay privacy page.

CCPA/CPRA Privacy Notice (California Privacy Rights)

This privacy notice section for California residents supplements the information contained in Our Privacy Policy and it applies solely to all visitors, users, and others who reside in the State of California.

4.1 Categories of Personal Information Collected

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular Consumer or Device. The following is a list of categories of personal information which we may collect or may have been collected from California residents within the last twelve (12) months.

Please note that the categories and examples provided below are those defined in the CCPA/CPRA. This does not mean that all examples of that category of personal information were in fact collected by Us, but reflects our good faith belief to the best of Our knowledge that some of that information from the applicable category may be and may have been collected. For example, certain categories of personal information would only be collected if You provided such personal information directly to Us.

Category A: Identifiers. Examples: A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, driver's license number, passport number, or other similar identifiers. Collected: Yes.
Category B: California Customer Records statute (Cal. Civ. Code § 1798.80(e)) Examples: A name, signature, address, telephone number, payment information, or other information provided in connection with purchasing or accessing the Service. Collected: Yes.
Category C: Protected classification characteristics under California or federal law. Collected: No.
Category D: Commercial information. Examples: Records and history of products or services purchased or considered. Collected: Yes.
Category E: Biometric information. Collected: No.
Category F: Internet or other similar network activity. Examples: Interaction with our Service or advertisement. Collected: Yes.
Category G: Geolocation data. Collected: No.
Category H: Sensory data. Collected: No.
Category I: Professional or employment-related information. Collected: No.
Category J: Non-public education information. Collected: No.
Category K: Inferences drawn from other personal information. Collected: No.
Category L: Sensitive personal information. Examples may include Account login information used to access the Service. Collected: Yes.

Under CCPA/CPRA, personal information does not include:

Publicly available information from government records.
Deidentified or aggregated consumer information.
Information excluded from the CCPA/CPRA's scope.

4.2 Sources of Personal Information

We obtain the categories of personal information listed above from the following categories of sources:

Directly from You.
Indirectly from You.
Automatically from You.
From Service Providers.

4.3 Use of Personal Information

We may use or disclose personal information We collect for “business purposes” or “commercial purposes” (as defined under the CCPA/CPRA), which may include the following examples:

To operate our Service and provide You with Our Service.
To provide You with support and to respond to Your inquiries.
To fulfill or meet the reason You provided the information.
To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
As described to You when collecting Your personal information or as otherwise set forth in the CCPA/CPRA.
For internal administrative and auditing purposes.
To detect security incidents and protect against malicious, deceptive, fraudulent or illegal activity.
Other one-time uses.

Please note that the examples provided above are illustrative and not intended to be exhaustive. For more details on how we use this information, please refer to the “Use of Your Personal Data” section.

If We decide to collect additional categories of personal information or use the personal information We collected for materially different, unrelated, or incompatible purposes, We will update this Privacy Policy.

4.4 Disclosure of Personal Information

We may use or disclose and may have used or disclosed in the last twelve (12) months the following categories of personal information for business or commercial purposes:

The categories disclosed may include:

Category A: Identifiers.
Category B: California Customer Records information.
Category D: Commercial information.
Category F: Internet or other similar network activity.

Please note that the categories listed above are those defined in the CCPA/CPRA. This does not mean that all examples of that category of personal information were in fact disclosed, but reflects our good faith belief to the best of our knowledge that some of that information from the applicable category may be and may have been disclosed.

When We disclose personal information for a business purpose or a commercial purpose, We enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.

4.4(a) Share of Personal Information

We may share, and have shared in the last twelve (12) months, Your personal information identified in the above categories with the following categories of third parties:

(a) Service Providers.

(b) Payment processors.

(d) Our business partners.

(e) Third party vendors to whom You or Your agents authorize Us to disclose Your personal information in connection with products or services We provide to You.

4.4(b) Sale or Sharing of Personal Information

The Company does not sell Personal Data in the ordinary sense of exchanging Personal Data for money.

The Company may share Personal Data with Service Providers, payment processors, course platforms, email marketing providers, analytics providers, advertising platforms, or other third-party vendors as necessary to operate the Service, process payments, provide access to Products, communicate with You, improve the Service, measure performance, or conduct marketing activities.

Certain uses of cookies, pixels, analytics tools, advertising tools, or similar technologies may be considered a “sale,” “sharing,” or targeted advertising activity under certain privacy laws, including the CCPA/CPRA.

In the last twelve (12) months, the Company may have disclosed or shared the following categories of Personal Data with Service Providers or third-party vendors for business, operational, analytics, or marketing purposes:

Category A: Identifiers.
Category B: California Customer Records information.
Category D: Commercial information.
Category F: Internet or other similar network activity.

The Company does not knowingly sell or share Personal Data of individuals under the age of 16.

4.4(c) Personal Information of Minors Under 16 Years of Age

The Service is intended for individuals who are at least 18 years old. The Company does not knowingly collect Personal Data from individuals under the age of 18.

The Company does not knowingly sell or share the Personal Data of Consumers under the age of 16.

The Company is not responsible for the privacy practices of third-party websites, platforms, applications, or services that may be linked, embedded, integrated, or otherwise made available through the Service. Those third parties may have their own privacy policies, terms, and data collection practices.

If You are a parent or guardian and believe that a minor has provided the Company with Personal Data, please contact the Company with sufficient detail to allow the Company to review the matter and delete the information where required by law.

4.4(d) Your Rights under the CCPA/CPRA

The CCPA/CPRA provides California residents with specific rights regarding their personal information. If You are a resident of California, You have the following rights:

The right to notice.
The right to know/access.
The right to say no to the sale or sharing of Personal Data (opt-out).
The right to correct Personal Data.
The right to limit use and disclosure of sensitive Personal Data.
The right to delete Personal Data.
The right not to be discriminated against.

Exercising Your CCPA/CPRA Data Protection Rights.

Please see the "Do Not Sell My Personal Information" section and "Limit the Use or Disclosure of My Sensitive Personal Information" section for more information on how to opt out and limit the use of sensitive information collected.

Additionally, in order to exercise any of Your rights under the CCPA/CPRA, and if You are a California resident, You can contact Us:

By email: [email protected]. Only You, or a person registered with the California Secretary of State that You authorize to act on Your behalf, may make a verifiable request related to Your personal information.

Your request to Us must:

Provide sufficient information that allows Us to reasonably verify You are the person about whom We collected personal information or an authorized representative.
Describe Your request with sufficient detail that allows Us to properly understand, evaluate, and respond to it.

We cannot respond to Your request or provide You with the required information if We cannot:

Verify Your identity or authority to make the request.
Confirm that the personal information relates to You.

We will disclose and deliver the required information free of charge within 45 days of receiving Your verifiable request. The time period to provide the required information may be extended once by an additional 45 days when reasonably necessary and with prior notice.

Any disclosures We provide will only cover the 12-month period preceding the verifiable request's receipt.

For data portability requests, We will select a format to provide Your personal information that is readily usable and should allow You to transmit the information from one entity to another entity without hindrance.

Do Not Sell or Share My Personal Information

The Company does not sell Personal Data in the ordinary sense of exchanging Personal Data for money.

If You are a California resident, You may have the right to opt out of the sale or sharing of Your Personal Data, including certain uses of Personal Data for cross-context behavioral advertising.

To exercise this right, You may contact the Company by email at [email protected].

The Company will review and respond to verifiable requests as required by applicable law.

Limit the Use or Disclosure of My Sensitive Personal Information

If You are a California resident, You have the right to limit the use and disclosure of Your sensitive personal information to that use which is necessary to perform the services or provide the goods reasonably expected by an average consumer who requests such services or goods.

We collect, use and disclose sensitive personal information in ways that are necessary to provide the Service. For more information on how We use Your personal information, please see the “Use of Your Personal Data” section or contact us.

“Do Not Track” Policy (CalOPPA)

Our Service does not respond to Do Not Track signals.

However, some third party websites do keep track of Your browsing activities. If You are visiting such websites, You can set Your preferences in Your web browser to inform websites that You do not want to be tracked. You can enable or disable DNT by visiting the preferences or settings page of Your web browser.

Your California Privacy Rights (Shine the Light)

Under California Civil Code Section 1798 (California's Shine the Light law), California residents with an established business relationship with us can request information once a year about sharing their Personal Data with third parties for the third parties' direct marketing purposes.

If you'd like to request more information under the California Shine the Light law, and if You are a California resident, You can contact Us using the contact information provided below.

California Privacy Rights for Minor Users

California Business and Professions Code Section 22581 allows California residents under the age of 18 who are registered users of online sites, services or applications to request and obtain removal of content or information they have publicly posted.

To request removal of such data, and if You are a California resident, You can contact Us using the contact information provided below, and include the email address associated with Your account.

Be aware that Your request does not guarantee complete or comprehensive removal of content or information posted online and that the law may not permit or require removal in certain circumstances.

Children’s Privacy

The Service is intended for individuals who are at least 18 years old. The Company does not knowingly collect personally identifiable information or Personal Data from individuals under the age of 18.

If You are a parent or guardian and You believe that a minor has provided Personal Data to the Company, please contact the Company. If the Company becomes aware that it has collected Personal Data from a minor without appropriate authorization or legal basis, the Company will take reasonable steps to delete that information where required by law.

The Company is not responsible for the privacy practices, terms, or data collection activities of third-party websites, platforms, applications, or services that may be linked, embedded, integrated, or otherwise made available through the Service.

Links to Other Websites

Our Service may contain links to other websites that are not operated by Us. If You click on a third party link, You will be directed to that third party's site. We strongly advise You to review the Privacy Policy of every site You visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Changes to this Privacy Policy

We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.

We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the “Last updated” date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If You have any questions about this Privacy Policy, You can contact the Company by email at [email protected].

Join Our Free Trial