Privacy Policy

Effective date: August 17, 2025
Last updated: August 17, 2025

This Privacy Policy explains how Karen K. Bannister International LLC ("Company," "we," "us," or "our") collects, uses, discloses, and safeguards personal information when you visit our websites, use our services, or interact with us (collectively, the "Services").

If you do not agree with our policies and practices, please do not use the Services. If you have questions, contact us at karen@karenkbannister.com or the address in Contact Us below.

Quick summary (not a substitute for the full policy): We collect information you provide (e.g., contact details, purchases, inquiries), data generated by your use of our sites (e.g., cookies and analytics), and information from partners (e.g., payment processors). We use it to operate our Services, communicate with you, personalize content, and comply with law. You have rights over your data depending on where you live, including options to access, delete, correct, and opt‑out of targeted advertising or the sale/sharing of personal information.

1) Scope & Who We Are

This Policy applies to personal information processed by Karen K. Bannister International LLC, including through:

Our websites and subdomains (e.g., karenkbannister.com) (the "Sites");
Coaching, consulting, training, memberships, webinars, newsletters, events, and digital downloads;
Our podcast and related content; and
Our social media pages and other online interactions.

Controller: For most processing described, Karen K. Bannister International LLC is the data "controller" (EEA/UK term).
Registered/Business address: 3101 West End Ave., Nashville, TN 37203, USA

2) Information We Collect

We collect personal information from and about you in a variety of ways.

A. Information you provide directly

Identity & contact data: name, email, phone, postal address, job title, company, social handles.
Account & profile data: username, password, preferences, membership details.
Order & transaction data: purchases, billing and shipping details (payment card data is handled by our payment processor and not stored by us except for tokens/last 4 digits where necessary).
Communications: inquiries, support requests, survey responses, testimonials, contest entries.
Content you submit: forms, uploads, comments, reviews, and materials provided for coaching or consulting.
Event data: registrations, attendance, dietary/accessibility needs you choose to share.
Professional information: services you seek or provide, industry, biography.

B. Information collected automatically

When you access the Sites, we (and our partners) may automatically collect:

Device & usage data: IP address, device identifiers, browser type, operating system, referring/exit pages, clickstream, pages viewed, links clicked, approximate location (based on IP), and timestamps.
Cookies, pixels & similar technologies: We use cookies, SDKs, pixels (e.g., advertising/analytics pixels), and local storage to enable site functionality, remember preferences, analyze traffic, and deliver/measure ads. See Cookies & Tracking.

C. Information from third parties

Payment processors (e.g., Stripe/PayPal) for transaction confirmation, fraud prevention, and refunds.
Analytics & advertising partners (e.g., Google Analytics, ad platforms) for aggregated insights, audience measurement, and ad delivery.
Social media platforms if you engage with our pages or log in via social.
Service providers and affiliates that support our Services (hosting, email, CRM, support tools, webinar platforms).

D. Sensitive information

We generally do not require sensitive personal information (e.g., health, precise geolocation, government IDs). If you choose to provide such information (e.g., accessibility needs), we process it only as necessary and with your consent where required.

E. Children’s information

Our Services are not directed to children. We do not knowingly collect personal information from children under 13 (or under 16 in the EEA/UK). If you believe a child has provided information, contact us to request deletion.

3) How We Use Personal Information

We use personal information for the following purposes (and legal bases where applicable):

Provide the Services (contract/legitimate interests): operate Sites, deliver products/services, process transactions, provide customer support, authenticate users.
Communications (consent/legitimate interests/contract): send confirmations, administrative messages, and respond to inquiries.
Marketing & personalization (consent/legitimate interests): send newsletters and offers; personalize content; measure campaign performance. You can opt out at any time.
Analytics & improvement (legitimate interests): monitor usage, debug, analyze performance, and enhance the Services.
Security & fraud prevention (legitimate interests/legal obligation): protect accounts, investigate suspicious activity, and maintain the integrity of our Services.
Compliance (legal obligation): comply with applicable law, tax, accounting, and regulatory requirements.
With consent: for any other purpose disclosed to you and with your consent.

4) How We Share Personal Information

We share personal information in the following circumstances:

Service providers/Processors: with hosting, analytics, advertising, email delivery, payment processing, webinar/event platforms, CRM, customer support, and other vendors under contracts requiring they use the information solely to perform services for us.
Affiliates & business partners: in connection with joint offerings, events, referrals, or cross‑promotions (where permitted by law and your preferences).
Legal & compliance: to comply with law, lawful requests, or legal process; to protect rights, property, and safety.
Business transfers: in connection with a merger, acquisition, financing, reorganization, or sale of assets. We will notify you of any material changes in ownership or uses of your personal information.
With your consent or at your direction.

We do not sell your personal information for money. We may "share" personal information for targeted advertising or allow certain third‑party cookies/pixels that may be considered a "sale" or "sharing" under some U.S. state privacy laws. See Your Privacy Choices.

5) Cookies & Tracking Technologies

We and our partners use cookies, pixels, SDKs, and similar technologies to:

enable core site features;
remember preferences;
analyze traffic and usage; and
deliver and measure advertising.

You can control cookies via browser settings and, where offered, our Cookie Preferences tool. Blocking some cookies may impact site functionality. For interest‑based advertising, you can also visit industry opt‑out pages (e.g., NAI/DAA) where available.

Global Privacy Control (GPC): When technically feasible and legally required, we treat a valid GPC signal as an opt‑out request for that browser.

6) Retention

We retain personal information for as long as necessary to fulfill the purposes outlined in this Policy, including to comply with legal, accounting, or reporting obligations, resolve disputes, and enforce agreements. Criteria include the amount, nature, sensitivity of the data, potential risk of harm from unauthorized use, the purposes of processing, and legal requirements. Typical examples (subject to change):

Account, purchase, and tax records: up to 7 years;
Marketing/subscription data: until you unsubscribe or request deletion;
Analytics logs: typically 24–36 months, or as configured with our providers.

7) Security

We implement appropriate administrative, technical, and organizational safeguards to protect personal information. However, no method of transmission over the Internet or electronic storage is 100% secure.

8) International Data Transfers

We are based in the United States. If you access the Services from outside the U.S., your information may be transferred to and processed in the U.S. and other countries that may have data‑protection laws different from those in your jurisdiction. Where required, we rely on appropriate safeguards such as Standard Contractual Clauses for EEA/UK transfers.

9) Your Privacy Rights

Your rights may vary depending on your location.

A. EEA/UK (GDPR)

You may have the right to access, rectify, erase, or restrict processing of your personal data; the right to data portability; and the right to object to processing (including for direct marketing). Where processing is based on consent, you may withdraw consent at any time without affecting the lawfulness of prior processing. You also have the right to lodge a complaint with your local supervisory authority.

B. U.S. State Privacy Laws

Residents of certain U.S. states—including California (CCPA/CPRA), Colorado (CPA), Connecticut (CTDPA), Utah (UCPA), Virginia (VCDPA), Texas (TDPSA), Oregon (OCPA), Tennessee (TIPA), and others as laws evolve—may have rights to:

Confirm whether we process your personal information and access it;
Correct inaccuracies;
Delete personal information;
Opt out of (i) targeted advertising, (ii) the sale or sharing of personal information, and (iii) certain profiling/automated decision‑making; and
Port your data in a portable format (where applicable).

We do not use sensitive personal information for purposes that require a right to limit under California law.

Exercising Your Rights & Appeals

Submit requests via [privacy@yourdomain.com] or our Your Privacy Choices page ([link-to-privacy-choices-page]). We will verify your request and respond within applicable timelines. Authorized agents may submit requests where permitted by law with proof of authorization. If we deny your request, you may appeal by replying to our decision email or writing to [privacy@yourdomain.com] with "Appeal" in the subject line. California residents may also complain to the California Privacy Protection Agency (CPPA) and residents of other states to their Attorney General, if applicable.

Non‑discrimination: We will not discriminate against you for exercising your rights.

10) Your Privacy Choices

Marketing communications: You can opt out by clicking the unsubscribe link in our emails or contacting us.
Targeted advertising & sale/sharing: Use our Your Privacy Choices link or send an email to [privacy@yourdomain.com] with "Opt‑Out of Sale/Sharing" in the subject. We also honor supported browser signals (e.g., GPC) when feasible.
Cookies: Manage through browser settings and our Cookie Preferences tool when available.

11) Third‑Party Links & Social Features

Our Sites may link to third‑party websites, services, and social media features. We do not control third‑party privacy practices. We encourage you to review their policies.

12) Payment Processing

We use third‑party payment processors to handle payments securely. We do not store full payment card numbers. Your use of payment services is subject to the processor’s privacy policy.

13) Events, Webinars, and Recordings

If you attend events or webinars, we may collect registration information and, where noted, recordings for later viewing. We will disclose at registration if a session is recorded and how it will be used.

14) User‑Generated Content & Testimonials

If you post content or provide testimonials, that information may be public depending on the platform. We may display testimonials with your consent. You may request removal by contacting us, but we may not be able to remove content already shared or archived by others.

15) Automated Decision‑Making

We do not engage in automated decision‑making that produces legal or similarly significant effects without human involvement. If this changes, we will update this Policy and provide required notices.

16) Changes to This Policy

We may update this Policy from time to time. The "Last updated" date indicates the latest revision. Material changes will be posted on the Sites and, where required, notified to you.

17) Accessibility

If you need this Policy in an alternative format, contact karen@karenkbannister.com.

18) Contact Us

Karen K. Bannister International LLC
Email: karen@karenkbannister.com
Mailing address:3101 West End Ave., Nashville, TN 37203 USA

19) U.S. State Disclosures (California‑Style Notice at Collection)

Categories of personal information collected (last 12 months):

Identifiers (e.g., name, email, IP address);
Customer records (e.g., billing/shipping details);
Commercial information (e.g., purchase history);
Internet/Network activity (e.g., browsing data, interactions);
Geolocation data (coarse IP‑based);
Professional information (e.g., job title); and
Inferences drawn from the above to personalize content.

Sources: You, your devices, service providers, analytics/advertising partners, and publicly available sources.

Business/Commercial purposes: Provide, maintain, secure, personalize, market, and improve the Services; process transactions; comply with law.

Retention: See Retention section.

Disclosures for a business purpose: Service providers, affiliates/partners, legal authorities when required, and in business transfers.

Sale/Sharing: We do not sell for money, but we may share personal information (identifiers, internet activity, inferences) with advertising/analytics partners for cross‑context behavioral advertising. You may opt out via Your Privacy Choices.

Sensitive personal information: We do not use or disclose sensitive personal information for purposes requiring a Limit the Use link under California law.

Financial incentives: We do not offer programs that provide price or service differences related to your data. If we do in the future, we will provide required notices and obtain consent.