1. Introduction

Pargaharmony, located at 978 Main St, Paterson, New Jersey 07503, United States, specializes in AI-driven educational programs designed to assist adults aged 35-65+ in simplifying their work and boosting a second income through technology. This Privacy Policy outlines the practices employed by Pargaharmony regarding the collection, use, disclosure, and protection of personal information obtained via pargaharmony.com or its services. Compliance with applicable U.S. federal and state laws governs these practices to ensure the safeguarding of user data. For inquiries or concerns, contact Pargaharmony at 973-278-0091 or [email protected].

2. Data Collected by Pargaharmony

To deliver its services and enhance user experience, Pargaharmony collects:

• Identifying Information: Full name, email address, phone number, and payment details (e.g., debit card or bank information) submitted during registration, course purchases, or contact form submissions.
• Behavioral Data: IP address, device specifications, browser type, time spent on pages, and navigation history, gathered through cookies and tracking technologies.
• Communication Records: Inquiries, comments, or responses provided through [email protected], contact forms, or surveys.
• User Preferences: Selections such as the Tech Essentials Plan or Wealth Accelerator Plan, utilized to tailor educational content and recommendations.

3. Methods of Data Collection

Pargaharmony obtains information through:

• Direct Input: Data provided by users during account setup, enrollment in AI courses, or completion of the contact form.
• Automated Systems: Cookies, analytics tools, and server logs that monitor interactions with pargaharmony.com.
• Third-Party Entities: Information from payment processors or technical service providers, subject to confidentiality obligations.

4. Utilization of Collected Data

Pargaharmony uses this information to:

• Administer Services: Facilitate course access, process transactions, and provide AI tools like the Mastery Guide.
• Communicate Effectively: Deliver order confirmations, program updates, or optional promotional materials, with user consent where required by law.
• Optimize Operations: Analyze usage trends to improve pargaharmony.com functionality and course offerings.
• Resolve Issues: Respond to technical or customer service requests submitted via contact channels.
• Fulfill Legal Duties: Comply with regulatory mandates or protect Pargaharmony’s legal interests.

Pargaharmony does not sell personal information to third parties for marketing purposes.

5. Data Sharing Practices

Pargaharmony shares information only under specific conditions:

• Operational Partners: With vendors providing essential services (e.g., cloud hosting, payment processing), bound by strict privacy agreements.
• Legal Compliance: When required by judicial orders, government requests, or to mitigate risks to Pargaharmony or its users.
• Business Transfers: In the event of a merger, acquisition, or sale, with prior notice provided to users when feasible.

No data is disclosed to external entities for unsolicited promotional use.

6. Cookies and Tracking Technologies

Pargaharmony employs:

• Essential Cookies: Required for secure navigation and transaction processing on pargaharmony.com.
• Performance Cookies: Used to evaluate site performance and user engagement metrics.
• Preference Cookies: Store user settings to enhance subsequent visits.

Users may adjust browser settings to limit tracking, though this may affect site performance.

7. Data Security Measures

Pargaharmony implements robust security protocols, including encryption, access restrictions, and regular system reviews, to protect against unauthorized access, data breaches, or loss. However, no digital platform can guarantee complete immunity from security risks. Suspected incidents should be reported to [email protected] without delay.

8. User Rights and Controls

Users maintain the following rights:

• Access Request: Obtain a summary of personal data held by Pargaharmony.
• Correction Request: Amend inaccurate or outdated information.
• Deletion Request: Seek removal of data, except where retention is legally mandated (e.g., financial records).
• Marketing Opt-Out: Decline promotional communications via email unsubscribe options or direct contact.

Requests may be submitted to 973-278-0091 or [email protected], with responses provided within 30 days, extendable to 45 days for complex cases.

9. Data Retention Policy

Pargaharmony retains data as follows:

• Active Users: For the duration of engagement with courses or services.
• Inactive Users: Up to 4 years post-interaction, unless extended retention is required by law (e.g., tax compliance).
• Deleted Data: Erased securely upon request, barring legal exceptions.

10. Third-Party Websites

Pargaharmony.com may link to external platforms (e.g., payment processors). Pargaharmony is not responsible for their privacy practices; users are advised to review those policies separately.

11. New Jersey Privacy Considerations

New Jersey residents may have rights under state laws (e.g., potential future privacy regulations). Pargaharmony ensures:

• Right to Access: Visibility into collected data.
• Right to Delete: Removal of data, subject to exceptions.
• Non-Discriminatory Service: Rights exercised without penalty.

Contact [email protected] for assistance, free of charge.

12. Age Restrictions

Pargaharmony’s services are intended for adults aged 18 and older, targeting 35-65+. Data from individuals under 18 is not knowingly collected; if discovered, it will be deleted, and associated accounts terminated.

13. International Data Processing

Pargaharmony operates from the United States, processing all data under U.S. jurisdiction. International users accessing pargaharmony.com consent to this arrangement.

14. Policy Modifications

Pargaharmony may update this Privacy Policy, with changes reflected on pargaharmony.com and marked by a revised date. Significant alterations may include email notifications to users.

15. Contact Information

For questions or to exercise rights:

• Email: [email protected]
• Phone: 973-278-0091
• Mail: Pargaharmony, 978 Main St, Paterson, New Jersey 07503, United States

Pargaharmony is committed to addressing all requests with diligence and professionalism.