Terms of Use Agreement

Last Updated: December 10, 2025

Thank you for using Empire Builder Academy!

Empire Builder Academy offers products and services provided by CEO Advisory Guru LLC, a Texas limited liability company, with offices located at 22 Arta Drive, Suite 210, Westlake, Texas 76262 (“Service Provider”). These Terms of Use (“Agreement”) govern your use of our website, apps, and other products and services, including without limitation the online program titled “Empire Builder Academy” and “Empire Builder the Course” (collectively, the “Course”). As some of our Course offerings may include software or digital content that is downloaded to your computer, phone, tablet, or other device, you agree that Service Provider may automatically update such software or content, and that this Agreement will apply to such updates. Please read this Agreement carefully, and contact Service Provider at Support@CEOAdvisoryGuru.com  if you have any questions, requests for information, or complaints. By clicking “I Agree,” accessing the course, or submitting payment, you agree to be bound by this Agreement, including any policies referenced herein. By using the Course, you agree to be bound by this Agreement, including the policies referenced herein.

THESE TERMS INCLUDE AN ARBITRATION AGREEMENT, JURY TRIAL WAIVER AND CLASS ACTION WAIVER THAT APPLY TO ALL CLAIMS BROUGHT AGAINST SERVICE PROVIDER. PLEASE READ THEM CAREFULLY AS THEY AFFECT YOUR LEGAL RIGHTS: (1) YOU WILL ONLY BE PERMITTED TO PURSUE DISPUTES OR CLAIMS AND SEEK RELIEF AGAINST US ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCEEDING AND YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION; AND (2) YOU ARE WAIVING YOUR RIGHT TO PURSUE DISPUTES OR CLAIMS AND SEEK RELIEF IN A COURT OF LAW AND TO HAVE A JURY TRIAL. THE TERMS OF THE ARBITRATION AGREEMENT SHALL NOT APPLY IF UNENFORCEABLE UNDER THE LAWS OF THE COUNTRY IN WHICH YOU RESIDE.

1. Using Our Services

Who May Use Our Services

Any use or access by anyone under the age of 13 is strictly prohibited.

Additionally, you may use our Services only if you:

• can form a binding contract with CEO Advisory Guru LLC;
• comply with these Terms, all applicable laws, and Service Provider’s community guidelines and any other policies provided by Service Provider; and
• are over the age at which you can provide consent to data processing under the laws of your country. Certain regions and Content Offerings may have additional requirements and/or different age restrictions.

Any violation of Service Provider’s Terms, applicable laws, or community guidelines may result in your access to all or part of the Course being suspended, disabled, or terminated without refund.

When you create your Course account, and when you subsequently use certain features, you must provide Service Provider with accurate and complete information, and you agree to update your information to keep it accurate and complete.

Access Period; Our License to You

Subject to timely payment and compliance with this Agreement, you will have access to the Course for twelve (12) months (the “Access Period”) from the date Service Provider first provides you access credentials or confirms access availability (“Access Start Date”).

The Course will be delivered through Service Provider’s designated online platform(s).  You are responsible for obtaining and maintaining compatible devices, software, and internet access. Subject to these Terms and Service Provider’s policies, Service Provider grants you a limited, personal, non-exclusive, non-transferable, and revocable license to access and use the Course solely for your internal business or educational purposes during the Access Period. You agree to create, access, and/or use only one user account, unless expressly permitted by Service Provider, and you will not share access to your account or access information for your account with any third party. Using the Course does not give you ownership of or any intellectual property rights in the Course or the content you access.

Course Fee

You agree to pay a course fee (the “Course Fee”) in the amount presented at checkout or in the order form executed by you. “Limited Use License” means the restricted, nonexclusive, nontransferable, revocable license granted to you to access and use the Course solely for your internal business and educational purposes during the Access Period.

The Course Fee is due and payable in full in advance of any access to the Course.  Access will not be provisioned until the Course Fee (and any applicable taxes) is received by Service Provider. All payments are nonrefundable, including, without limitation, in the event of your failure to access or complete the Course, termination for your breach, schedule changes, technology issues on your side, or dissatisfaction with Course content or results. Prices are exclusive of taxes.  You are responsible for all sales, use, VAT, GST, or similar taxes, duties, or levies imposed by governmental authorities (excluding taxes on Service Provider’s income), which will be charged where required. Service Provider may suspend or terminate access for any late, failed, or reversed payment.  You remain responsible for all amounts due and any reasonable costs of collection.

Multiple Licenses

The Course Fee varies based on the number of Limited Use Licenses purchased.  If you purchase multiple Limited Use Licenses, the total Course Fee will be calculated based on the per-license pricing tier applicable to the quantity purchased.

If you purchase multiple Limited Use Licenses, each end user must be identified to Service Provider and must accept this Agreement before access is provisioned.  You are responsible for each end user’s compliance with the terms of this Agreement. Sharing logins is prohibited.

Commercial Use

Any use of the Course for commercial purposes is strictly prohibited unless subject to a separate agreement with Service Provider and with Service Provider’s prior written consent.

2. Content Offerings

Changes to Content Offerings

While Service Provider seeks to provide high-quality educational content, unexpected events may occur. Service Provider reserves the right to cancel, interrupt, reschedule, or modify any part of the Course, or change the format or delivery method, at any time, provided that such changes do not materially reduce the overall educational substance of the Course during the Access Period. The Course is subject to the Disclaimer and Limitation of Liability sections of this Agreement.

3. Your Content

User Content

The Services may enable you to share your content (“User Content”) with Service Provider, instructors, and/or other users. You retain all intellectual property rights in, and are responsible for, the User Content you create and share. User Content does not include course content or other materials made available on or placed onto the Service Provider’s platform by or on behalf of Service Provider you its instructors using the Services or Course Offerings. As between you and Service Provider, such Course Offerings are governed by the relevant agreements in place between you and Service Provider.

Marketing Reference

You grant Service Provider the right to include your name and logo on Service Provider’s customer lists and websites as a Course participant, provided that you may revoke this permission by written notice, after which Service Provider will remove references within a reasonable period.

How Service Provider and Others May Use User Content

To the extent that you provide User Content, you grant Service Provider a non-exclusive, royalty-free, limited license to copy, distribute, modify, create derivative works based on, publicly perform, publicly display, and otherwise use the User Content for the purposes of delivering and administering the Course and related services. This license includes granting Service Provider the right to authorize instructors to use User Content with enrolled customers or other learners within the Course. Nothing in these Terms shall restrict other legal rights Service Provider may have to User Content, for example under other licenses.

Service Provider reserves the right to remove or modify User Content for any reason, including User Content that Service Provider believes violates these Terms or other policies including our Acceptable Use Policy.

Feedback

We welcome your suggestions, ideas, comments, and other feedback regarding the Course and related services (“Feedback”). By submitting any Feedback, you grant Service Provider the right to use the Feedback without any restriction or any compensation to you. By accepting your Feedback, Service Provider does not waive any rights to use similar or related Feedback previously known to Service Provider, developed by its employees, contractors, or obtained from other sources.

Recordings

If applicable, Service Provider may record live sessions for educational and quality purposes and make recordings available to enrolled customers.  You consent to being recorded and grants Service Provider a nonexclusive, royalty‑free license to use your name, image, voice, and likeness in such recordings for Course delivery during the Access Period and for Service Provider’s internal training and quality assurance thereafter. 

4. Security; Privacy

We care about the security of our users. While we work to protect the security of your account and related information, Service Provider cannot guarantee that unauthorized third parties will not be able to defeat our security measures. Please notify us immediately of any compromise or unauthorized use of your account by emailing Support@CEOAdvisoryGuru.com.

Service Provider will handle personal data in accordance with its Privacy Policy, which is incorporated by reference, and which may be updated from time to time by Service Provider. Client is responsible for maintaining the confidentiality of account credentials and for all activities under Client’s account.  Client will promptly notify Service Provider of any suspected unauthorized access. To the extent Service Provider processes personal data on behalf of Client, the Parties will enter into any legally required data processing terms upon request.

5. Third Party Content

Through the Services, you may have the ability to access and/or use content provided by instructors, other users, and/or other third parties and links to websites and services maintained by third parties. Service Provider cannot guarantee that such third party content, in the Services or elsewhere, will be free of material you may find objectionable or otherwise inappropriate or of malware or other contaminants that may harm your computer, mobile device, or any files therein. Service Provider disclaims any responsibility or liability related to your access or use of, or inability to access or use, such third party content.

You will comply with applicable laws and the terms of any third‑party platform used to deliver the Course. Course participation may reference third‑party tools or services.  You are solely responsible for procuring and maintaining any such tools or accounts and for compliance with third‑party terms.

6. Copyright and Trademark

All content, materials, resources, documents, text, images, videos, audio, graphics, software, and any other intellectual property (collectively, “Course Materials”) provided as part of the Course or accessible on the Service Provider’s platform are the exclusive property of the Service Provider or its licensors. These Course Materials are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. The Service Provider name, the Service Provider logo, the Course name, and all related names, logos, product and service names, designs, and slogans are trademarks of the Service Provider or its affiliates or licensors. You must not use such marks without the prior written permission of the Service Provider. All other names, logos, product and service names, designs, and slogans on this platform are the trademarks of their respective owners.

9. Modifying or Terminating our Services

We are constantly changing and improving our Services. We may add or remove functions, features, or requirements, and we may suspend (to the extent allowed by applicable law) or stop part of our Services altogether. Accordingly, Service Provider may terminate your use of any Service for any reason. If your use of a paid Service is terminated, no refund will be provided, as all payments are nonrefundable. We may not be able to deliver the Services to certain regions or countries for various reasons, including due to applicable export control requirements or internet access limitations and restrictions from governments, or for commercial or reputational reasons. Service Provider and its instructors, contributors, sponsors, and other business partners, and their employees, contractors, and other agents shall have no liability to you for any such action. You can stop using our Services at any time, although we’ll be sorry to see you go.

Service Provider will not be liable for delays or failures caused by events beyond its reasonable control, including acts of God, natural disasters, epidemics, war, terrorism, labor shortages or disputes, supply chain disruptions, governmental actions, failures of third‑party platforms, or internet/utility outages.

10. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES AND ALL INCLUDED CONTENT ARE PROVIDED ON AN “AS IS” BASIS WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED. THE SERVICE PROVIDER SPECIFICALLY DISCLAIMS ANY AND ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. THE SERVICE PROVIDER FURTHER DISCLAIMS ANY AND ALL LIABILITY RELATED TO YOUR ACCESS OR USE OF THE SERVICES OR ANY RELATED CONTENT. YOU ACKNOWLEDGE AND AGREE THAT ANY ACCESS TO OR USE OF THE SERVICES OR SUCH CONTENT IS AT YOUR OWN RISK.

THE COURSE IS BROAD AND PROVIDED FOR GENERAL EDUCATIONAL PURPOSES ONLY.  BUSINESS CIRCUMSTANCES ARE HIGHLY INDIVIDUALIZED AND THE COURSE IS NOT TAILORED TO YOUR SPECIFIC CIRCUMSTANCES. THE COURSE IS NOT, AND DOES NOT CONSTITUTE, A SUBSTITUTE FOR COMPETENT AND LICENSED LEGAL, FINANCIAL, OR INVESTMENT ADVICE.  NEITHER SERVICE PROVIDER NOR ANY INSTRUCTOR IN THE COURSE IS ACTING IN ANY LICENSED PROFESSIONAL CAPACITY, AND YOU SHOULD CONSULT APPROPRIATE LICENSED PROFESSIONALS BEFORE MAKING DECISIONS. SERVICE PROVIDER DOES NOT GUARANTEE ANY SPECIFIC OUTCOMES, RESULTS, REVENUE, PROFIT, SAVINGS, CLIENT ACQUISITION, OR PERFORMANCE FROM PARTICIPATION IN THE COURSE.  PAST RESULTS DO NOT PREDICT FUTURE OUTCOMES. YOU REMAIN SOLELY RESPONSIBLE FOR YOUR DECISIONS, STRATEGIES, ACTIONS, AND COMPLIANCE WITH APPLICABLE LAWS AND REGULATIONS.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SERVICE PROVIDER SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM: (A) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICES; (B) ANY CONDUCT OR CONTENT OF ANY PARTY OTHER THAN THE SERVICE PROVIDER, INCLUDING WITHOUT LIMITATION, ANY DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT; OR (C) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR CONTENT OR INFORMATION. IN NO EVENT SHALL SERVICE PROVIDER’S TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATING TO THE COURSE OR THIS AGREEMENT EXCEED THE AMOUNT OF THE COURSE FEE ACTUALLY PAID BY YOU TO SERVICE PROVIDER FOR THE APPLICABLE ACCESS PERIOD.

YOU ACKNOWLEDGE AND AGREE THAT THE DISCLAIMERS AND THE LIMITATIONS OF LIABILITY SET FORTH IN THIS AGREEMENT REFLECT A REASONABLE AND FAIR ALLOCATION OF RISK BETWEEN YOU AND SERVICE PROVIDER, AND THAT THESE LIMITATIONS ARE AN ESSENTIAL BASIS TO SERVICE PROVIDER’S ABILITY TO MAKE THE SERVICES AVAILABLE TO YOU ON AN ECONOMICALLY FEASIBLE BASIS.

YOU AGREE THAT ANY CAUSE OF ACTION RELATED TO THE SERVICES MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.

12. Export Controls

By accessing the Course, you warrant that you are not located in, under the control of, a national of, or ordinarily resident in, any country that is subject to applicable U.S. laws and regulations, or laws of your local jurisdiction, preventing Service Provider from providing you access to the Course. Your location is determined by your physical location. Use of a virtual private network service, IP routing services, or other similar service for the purpose of circumventing these laws is strictly prohibited.

By accessing the Course, you warrant that you are not named on, or controlled by anyone named on, any government prohibited, denied, unverified-party, sanctions, debarment, or exclusion list or export-controlled related restricted party list (collectively, “Sanctions Lists”). You will immediately discontinue your use of the Course if you, or a party exercising control over you, are placed on any Sanctions List. You also warrant that you will not export, re-export, or transfer the Course to any country against which the U.S. has embargoed goods or services, or to an entity or person on any Sanctions List, or otherwise use the Course in a manner that would be in violation of applicable laws.

Notwithstanding anything to the contrary in these Terms, Service Provider may suspend performance of or terminate any further obligations to you, effective immediately if you are in breach of the obligations in this section or if the continued provision of the Course to you may, in Service Provider’s sole discretion, result in commercial or reputational harm.

13. Indemnification

You agree to indemnify, defend, and hold harmless Service Provider from any and all claims, liabilities, expenses, and damages (to the extent attributable to you under the applicable law), including reasonable attorneys’ fees and costs, made by any third party related to: (a) your use or attempted use of the Services in violation of these Terms; (b) your violation of any law or rights of any third party; or (c) User Content, including without limitation any claim of infringement or misappropriation of intellectual property or other proprietary rights.

14. Governing Law and Venue

Except as provided below, the Services are managed by Service Provider, which is located in Westlake, Texas. You agree that these Terms will be governed by the laws of the State of Texas, excluding its conflicts of law provisions.

In the event of any dispute that is not subject to binding arbitration, you will submit to the personal jurisdiction of and exclusive venue in the federal and state courts located in and serving Tarrant County, Texas as the legal forum for any such dispute (except for small claims court actions which may be brought in the county where you reside).

15. Binding Arbitration and Class Action Waiver

You agree to submit to binding arbitration any and all disputes, claims, or controversies of any kind, whether based on statute, regulation, constitution, common law, equity, or any other legal basis or theory, and whether pre-existing, present, or future, that arise out of or relate to the Course, this Agreement, and/or any other relationship or dispute between Service Provider and you, including without limitation (i) the scope, applicability, validity or enforceability of this Agreement and/or this arbitration provision, and (ii) relationships with third parties who are not parties to this Agreement or this arbitration provision to the fullest extent permitted by applicable law (each a “Claim,” and collectively the “Claims”). Claims will also include disputes that arose or involve facts occurring before the existence of this or any prior versions of the Agreement as well as Claims that may arise after the termination of this Agreement.

EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS, AND THE PARTIES HEREBY WAIVE ALL RIGHTS TO HAVE ANY DISPUTE BE BROUGHT, HEARD, ADMINISTERED, RESOLVED, OR ARBITRATED ON A CLASS, COLLECTIVE, REPRESENTATIVE, OR MASS ACTION BASIS. ONLY INDIVIDUAL RELIEF IS AVAILABLE. Subject to this arbitration provision, the arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by the party’s individual claim. Nothing in this paragraph is intended to, nor shall it, affect the terms and conditions of the subsection below related to batch arbitration. Notwithstanding anything to the contrary in this arbitration provision, if a final decision, not subject to any further appeal or recourse, determines that the limitations of this subsection are invalid or unenforceable as to a particular claim or request for relief (such as a request for public injunctive relief), you and Service Provider agree that that particular claim or request for relief (and only that particular claim or request for relief) shall be severed from the arbitration and may be litigated in the state or federal courts located in Tarrant County, Texas. All other Claims shall be arbitrated or litigated in small claims court. This subsection does not prevent you or Service Provider from participating in a class-wide settlement of claims.

Notwithstanding the foregoing, either Party may seek temporary, preliminary, or permanent injunctive relief or other equitable remedies in a court of competent jurisdiction in Tarrant County, Texas, to protect its intellectual property, confidential information, or to prevent irreparable harm, without waiving the right to arbitration for damages or other relief.

16. General Terms

Revisions to the Terms

We reserve the right to revise the Terms at our sole discretion at any time. With the exception of changes to the Binding Arbitration and Class Action Waiver Section, any revisions to the Terms will be effective immediately upon posting by us. For any material changes to the Terms, we will take reasonable steps to notify you of such changes, via a banner on the website, email notification, another method, or combination of methods. In all cases, your continued use of the Services after publication of such changes, with or without notification, constitutes binding acceptance of the revised Terms.

Severability; Waiver

If it turns out that a particular provision of these Terms is not enforceable, this will not affect any other terms. If you do not comply with these Terms, and we do not take immediate action, this does not indicate that we relinquish any rights that we may have (such as taking action in the future).

Content Providers

Our content providers and integrated service providers are third party beneficiaries of the Terms and may enforce those provisions of the Terms that relate to them.

17. Referenced Policies

• Acceptable Use Policy
• Privacy Policy
• No Refund and Cancellation Policy

Acceptable Use Policy

Effective: December 11^th, 2025

Our mission is to provide high-quality business education and advisory services to our customers. We are committed to maintaining a professional, respectful, and safe learning environment for all participants in the Empire Builder Academy and Empire Builder the Course.

Service Provider may remove or edit inappropriate content or activity identified by or reported to Service Provider. Service Provider may suspend, disable, or terminate your access to all or part of the Course for violations of this Agreement or community guidelines.

1. You are prohibited from using our Services to share content that:

• Contains illegal content or promotes illegal activities with the intent to commit such activities. Content that is inappropriate or offensive is not permitted.
• Contains credible threats or organizes acts of real-world violence. We don’t allow content that creates a genuine risk of physical injury or property damage, credibly threatens people or public safety, or organizes or encourages harm.
• Harasses others. Abusive or otherwise inappropriate content directed at private individuals is not allowed.
• Violates intellectual property, privacy, or other rights. Do not share content that you do not have the right to share, claim content that you did not create as your own, or otherwise infringe or misappropriate someone else’s intellectual property or other rights. Always attribute materials used or quoted by you to the original copyright owner.
• Spams others. Do not share irrelevant or inappropriate advertising, promotional, or solicitation content.
• Otherwise violates this Agreement.

Please note that specific Course offerings may have additional rules and requirements.

2. You also aren’t allowed to:

• Do anything that violates local, state, national, or international law or breaches any of your contractual obligations or fiduciary duties.
• Share your password, let anyone besides yourself access your Course account, or do anything that might put your account at risk.
• Attempt to access any other account.
• Reproduce, transfer, sell, resell, or otherwise misuse any content from the Course, unless specifically authorized to do so.
• Access, tamper with, or use non-public areas of Service Provider’s systems, unless specifically authorized to do so.
• Break or circumvent authentication or security measures or otherwise test the vulnerability of Service Provider’s systems or networks, unless specifically authorized to do so.
• Try to reverse engineer any portion of the Course.
• Try to interfere with any user, host, or network, for example by sending a virus, overloading, spamming, or mail-bombing.
• Use the Course to distribute malware.
• Use the Course or any functionality of the Service Provider’s platform for anything other than for completing the Course or for educational purposes.
• Impersonate or misrepresent your affiliation with any person or entity.
• Encourage or help anyone do any of the things on this list.

3. Without prior written consent from Service Provider, you also aren’t allowed to:

• Visit or use the Course for any form of content, data, or text scraping (including but not limited to screen scraping, web harvesting, or web data extracting) through manual, mechanical, or automated means including by the use of bots or other similar software.
• Use any content, data, or text in any form in the Course for text or data mining purposes, or develop or train any application, software, code, or data models including but not limited to generative artificial intelligence or other artificial intelligence and machine learning models irrespective of the purposes whether commercial or non-commercial.

Privacy Policy

Last Updated: December 19, 2025

Introduction

This Privacy Policy (the “Policy”) explains how CEO Advisory Guru LLC (“Empire Builder Academy” or “we”/ “our”/ “us”) collects, uses, shares, and otherwise processes the personal information we collect about consumers. This Policy details what information we collect, how we use it, and the choices and rights you have regarding its use. Our aim is to give you the necessary insights to make informed decisions about your interactions with us, including online. By using our Online Services (defined below) and providing your personal information to us, you give us permission to process your personal information as described in this Policy. If you do not agree with the data collection practices described in this Policy, do not access or use our Online Services. 

Scope of This Policy
This Policy describes the various contexts and circumstances in which we collect personal information, including through our “Online Services”. These Online Services include:

• Digital Interactions: This encompasses your online engagements with us, which may occur through our Online Services, including:
  • Our Websites: Any that link to this Policy, such as chairmangroup.us, www.ceoadvisoryguru.comand www.empirebuilderacademy.org  
  • Social Media and Affiliates: Interactions on our social media pages.
  • Other Digital Platforms: Includes interactions such as clicking on our ads on third-party sites and subscribing to our electronic communications.
• Online Customer Services: Including communications with our service representatives or features via email, text, or phone.
• Third-Party Information Gathered in the Online Context: This policy also extends to information we may collect about you from third parties related to your use of our Online Services, even in the absence of direct interactions with us.

For questions regarding the scope of this Notice, please contact us as set forth in the Contact Information section.

How We Obtain Information

We obtain the information we collect about you through various means and sources, including:

• Direct Interactions. We collect personal information when you provide it directly to us, such as when you provide payment information online or in person, submit forms, or otherwise provide us with information via phone, email, or online communications. The information collected online may be entered into our systems and combined with other information we collect about you directly or from third parties. We may also share this data with our service providers, affiliates, advertising and marketing partners, and others. Please see below for more information about how we share your personal information.
• Automatically Using Data Collecting Tools. We may use various data collecting tools, such as cookies, scripts, and pixels, to collect certain information about your use of our Online Services. These tools can help us improve site performance, understand how our services are being accessed and used, and provide customized content and advertising to you.
• Third-Party Sources. We may collect personal information from third parties, including social media platforms, advertising companies, e-commerce affiliates, public forums and databases, and other relevant parties based on your interactions with us. This information may be combined with other data we collect about you to enhance our Online Services, and tailor our interactions with you.

Information Collected and How We Use It

We collect and use personal information for several purposes, including to provide our Online Services and continually improve them. The personal information we collect, and how that information is used, depends on how you interact with us, the choices you make when engaging with us, and the Online Services you use. 

This section provides an overview of the types of personal information we may collect about you and the general purposes for which they are used in particular contexts. Please note that the actual information collected, and its use, may vary depending on your interactions with us and the Online Services you use.

Personal information We Collect Directly From You Online or In Person

This section describes the personal information we collect about you when you provide it directly to us through our Online Services, in an electronic communication, or in person at one of our physical locations.

What We Collect or Process

• Contact Information (Identifiers). We collect your name, email address, telephone number, physical address, and any other personal identifier you provide in a form or online communication.
• Communications Content. We collect the content of your communications with us. For example, if you engage with our online chat services, we keep transcripts of those communications. Please note that we may use a third-party to provide our chat functionality which results in your personal information being shared with them.
• Submitted Content. If you upload, submit, or transmit documents or content to us using our Online Services, we will collect any personal information contained within that content. We ask that you ensure that you respect the privacy of any individuals whose personal information may be in the content you transmit to us.
• Payment Information. This information includes credit or debit card numbers.
• Commercial Activity. We keep track of the products you have purchased, returned, exchanged, or considered; preferences; and rewards activity.

How We Use It

• To Communicate With You: We will use your personal information to facilitate our communications with you. For example, we will use your email address to respond to your email requests. The length of time we maintain your contact information and your communications varies depending on the context.
• Service Fulfillment: We use your personal information to perform a variety of services essential to the customer experience or our business, such as account setup, maintenance, and support, transaction processing and fulfillment, billing and payment processing, and customer service across multiple channels.
• Business Operations: We use personal information to perform business operations, such as document management and record keeping, training and development, generating business intelligence reports, strategic decision making, auditing and compliance, maintaining the security and integrity of our Online Services and offline operations, including protection against fraudulent or illegal activities. This includes validating your identity as necessary.
• Quality Assurance and Improvement: We use personal information to maintain and improve the quality and safety of our Services.
• Customization: To enhance your experience with our Online Services, we may use your data to personalize features, content, and recommendations, in line with applicable laws and your preferences.
• Additional Uses Described: In any other way we may describe when you provide the information or any other purposes for which you provide your consent.

Personal information Collected Using Online Data Collecting Tools

We collect, use, and disclose personal information gathered in connection with your online interactions with us, including your use of our websites and their features. We also collect personal information in connection with electronic communication services like email and electronic messaging, and our social media pages (though not the platforms on which they are maintained). When you use our Online Services, we collect some information automatically and may combine it with other information we collect about you. In many cases we utilize third parties to assist with this collection.

Some of this information is collected and logged because of your access to our servers, by various third-party technologies such as cookies, web beacons, scripts, tags, and other software code that store and transmit personal and other information (collectively “data collecting technologies”). 

What We Collect or Process Using Data Collecting Technologies

• Identifiers and Contact Information. We collect identifiers associated with you or the device you are using to access our Online Services, such as IP addresses, Cookie IDs, and other similar identifiers.
• Device and Browser Data. We collect information about your device and the software and systems you use to access our Online Services, such as your browser type/version, screen size/resolution, and other information contained in your browser’s communication with our website.
• User Interaction Data. We collect data about how you navigate to/from our Online Services (such as the URLs that referred you to our website), browsing activity on our Online Services (such as the web pages you viewed and buttons you clicked), and other metrics associated with your access and use of our Online Services.
• Electronic Communication Records. We collect records related to your electronic communications with us, including online chat transcripts, email records, call records and recordings/logs, and other electronic messages and communications.
• User Preferences. We record your online preferences, such as communication preferences, language, time/zone, and general location information, and privacy choices and configurations. We do this to facilitate such preferences.
• Advertising Metrics. We collect information about your interaction with our content and marketing materials. For example, we may gather information about our advertisements you have viewed on our website or elsewhere. We use third parties to do this.

How We Use It

• To Provide Our Online Services in a safe and secure manner, such as to present our website and its content to you, to communicate with you about changes to our Online Services, to validate your identity as necessary to ensure the security of our services and systems, and to maintain and improve the security and performance of our Online Services.
• Communications and Support, such as to review and respond to your requests or inquiries, provide updates, notices, and requested communications, send you important transactional information, request feedback, or as necessary to fulfill our obligations to you.
• For Our Legitimate Business Operations, such as to make strategic decisions concerning our business operations, enforce, and review compliance with, the legal terms that govern our offerings, comply with our legal obligations, protect the rights, safety, and property of the online services, our users, and third parties, and anonymize, aggregate, or de-identify your personal information (so it can no longer identify you) in furtherance of conducting research and analysis.
• To Send You Promotional Materials, such as updates, newsletters, surveys, or other information regarding contests, events, and/or other Empire Builder Academy products or services that may be of interest to you based upon information you have provided to us. Promotional materials may be conveyed in emails or, if you have provided your consent, by SMS/text message.
• Advertising. We may use personal information to serve you with targeted advertisements and this information is shared with third parties in order to facilitate our advertising objectives.
• Analytics. We use personal information to conduct research and analytics, including to improve our Online Services. We also use your personal information to personalize your experience, and to understand how you interact with our websites, advertisements, and communications with you.
• Data Aggregation. We may aggregate your personal information with that of other users for analytical and reporting purposes. This aggregated data is anonymized or deidentified and does not identify you personally. Aggregated data may be used for various purposes, including statistical analysis, without further notice to you and without obtaining additional consent.

• With Your Consent. We use information about you where you have given us consent to do so for a specific purpose not listed above.

Third Parties Who Provide Online Services

We may use third-party services for various purposes, including but not limited to analytics, advertising, and customer support. Below are some specific third parties that we may use. To learn more about the types of entities who deploy cookies on our websites, please review “Disclosure of Personal information.”

• Font and Content Providers. Various third parties assist us in providing content and features for our Online Services. Because these services send the content to your browser on our behalf, they typically have access to information about your device and browser, including your IP address, the URL of the pages you visit, and information about your device. They use this information to ensure that the content is delivered to you in the correct format and size.
• Functionality Providers. Third parties assist us in providing various online functionality, such as our accessibility tools, online chat tools, and consent management tools.
• Web Hosting Providers. Our website hosting and infrastructure providers will receive personal information about your device, including your IP address, device, and browser information, as well as your activity on our websites, in order to provide the hosting services.
• Analytics and Advertising Providers. We allow third-party partners and service providers (such as advertising networks, analytics providers and social media platforms and networks) to gather data when you interact with our Online Services for our analytics and marketing purposes, including to help manage and display advertisements, to tailor advertisements to your interests, and target you on other websites (depending on your communication preferences). The third parties and service providers use their technology to provide advertising about products and services tailored to your interests which may appear either on our websites or on other websites.
  • Google Analytics: We employ Google Analytics for detailed user interaction analysis. This service collects data such as your originating location, visit frequency, viewed pages, and actions taken within our Online Services. Google Analytics uses cookies to collect this information. The use and sharing of this data by Google are subject to the Google Analytics Terms of Service. For options to opt-out of Google Analytics tracking, you may disable cookies on your browser or follow these specific instructions provided by Google.
  • Other Google Services. We utilize various Google services like Google Ads and Google Dynamic Remarketing for purposes such as analytics, advertising, and user experience optimization. These services deploy their own cookies and may collect information like your IP address, user preferences, and online behaviors, which Google uses for its own purposes. For further information and to manage your Google privacy settings, consult Google’s Privacy Policy and Terms of Service, or visit your Google Account.
  • Personalized Advertising. We may use various tools, including the Meta Pixel, which collect information about your device and how it interacts with our Online Services. Meta may use cookies, web beacons, and other storage technologies to collect or receive information about you or your device from our website and elsewhere on the Internet and use that information to provide measurement services, target and deliver ads. You can opt-out of the collection and use of your information for ad targeting purposes by visiting http://www.aboutads.info/choices.

Your Privacy Choices Regarding Data Collecting Technologies

• Cookies. You can manage how your web browser interacts with cookies. While most browsers are configured to accept cookies by default, you can modify this behavior through your browser’s “Privacy” or “Security” settings. However, if you remove or reject cookies, it could affect how the website works for you. Please note you must separately opt out in each browser and on each device.
• “Do Not Track” Signals. Do Not Track (“DNT”) is a privacy preference that you can set in your web browsers, which allows you to opt out of tracking by websites and online services. Like many websites, we do not currently respond to ‘Do Not Track’ browser settings or signals. For more information about DNT, please see eff.org/issues/do-not-track.
• Data Collected from Other Parties
• We obtain information from businesses which provide us with our business and Online Services, such as our data analytics providers, marketing or advertising service providers, fraud prevention service providers, vendors that provide services on our behalf, and publicly available sources. We also create information based on our analysis of the information we have collected from you. We use this information for our business operations purposes, including offering and improving our services, providing customer support, measuring the effectiveness of our Online Services, accounting and transaction purposes, and to enforce our terms and policies. Please see “Disclosure of Your Personal information” to learn more about how we process personal information via our business services providers.

Other Purposes for Processing Personal information

While less frequent, there are other scenarios where we may use or disclose your personal information:

• Audits Involving External Entities: Sharing data with external organizations, including those we collaborate with or those that evaluate our business operations, to ensure compliance with industry standards, certifications, or legal obligations.
• Legal Obligations: Fulfilling legal obligations such as responding to subpoenas, court orders, or other binding government requests. In the rare event of litigation, we may use your data to establish, exercise, or defend legal claims.
• Reorganization: In the event of a business transaction such as a sale, merger, consolidation, acquisition, change in control, transfer of substantial assets, bankruptcy, or reorganization, your personal information may be shared or transferred. This also includes any subsequent integration activities post-transaction.
• Business Transfers: In the event of a divestiture, investment, or other asset transfer that is not part of a broader business transaction like a merger or acquisition, your personal information may be shared or transferred.
• With Your Consent: We use information about you where you have given us consent to do so for a specific purpose not listed above.

Disclosure of Your Personal information

We may disclose the above information to the following types of parties:

• Other Empire Builder Academy Entities (Affiliates). We may share personal information with Empire Builder Academy affiliates that are related by common ownership or control. We share personal information for our routine business purposes and to develop new and improve existing services.
• Authorized Persons and Agents. We may disclose personal information to marketing, advertising, analytics and other client services providers with whom we interact on your behalf.

• Business Services Providers. These are persons or entities with whom we have a relationship to provide business operations services and support to Empire Builder Academy. These companies, known as “service providers,” are contractually obligated to use your data only for the service they are providing and cannot use it for anything else. These providers may include the following:

• IT Operations Providers. These include cloud computing service providers, internet service providers, data backup and security providers, functionality and infrastructure providers, and similar service providers.
• Business Operations Providers. These include service provider with whom we partner to provide day-to-day business operations, including payment processors, security vendors, business software service providers, banks, facilities management providers and similar entities.
• Professional Service Providers. These include lawyers, accountants, consultants, security professionals, and other similar parties when disclosure is reasonably necessary to comply with our legal and contractual obligations, prevent or respond to fraud or abuse, defend ourselves against attacks, or protect the rights, property, and safety of us, our customers, and the public.
• Marketing and Advertising Providers. These may include advertising, direct marketing, and lead generation providers, affiliate marketing program providers, retargeting platforms, data brokers, ad networks, marketing consultants, and similar services providers.
• Law Enforcement/Government Agencies. Persons to whom we are required by law to provide information, such as pursuant to a subpoena or a court order.
• Corporate Transaction Disclosures. Persons involved in the consideration, negotiation, completion of a business transaction, including the sale, merger, consolidation, acquisition, change in control, transfer of substantial assets, bankruptcy, or reorganization, and any subsequent integration.
• Authorized Disclosures: To any party when authorized by the individual to whom it pertains to share it.

Data Retention

We retain your personal information only as long as needed to fulfill the purposes we collected it for, including satisfying legal, accounting, or reporting requirements. To determine the appropriate retention period for personal information, we consider (i) the amount, nature, and sensitivity of the personal information; (ii) the potential risk of harm from unauthorized use or disclosure of your personal information; (iii) the purposes for which we process your personal information and whether we can achieve those purposes through other means; and (iv) the applicable legal requirements related to our processing activities. Additionally, we may anonymize your personal information (so that it can no longer be associated with you) for research or statistical purposes, in which case we may use this information indefinitely without further notice to you.  If you have any questions about the specific retention periods for different types of your personal information, please feel free to contact us using the Contact Information provided below.

Your Privacy Choices

You can control the collection and use of personal information for some of our processing activities. Below are the avenues through which you can manage the types of communications you receive from us:

• Email: To opt out of promotional emails, you may follow the ‘unsubscribe’ instructions located at the bottom of each email. Alternatively, you may contact us directly using the information provided in the Contact Information Please be advised that opting out of promotional communications will not preclude you from receiving transactional emails, such as those related to purchases or account activity.
• Text Messages: To discontinue receiving automated text notifications, simply reply ‘STOP’ to any of our messages, or use any alternative opt-out keyword we may have provided.
• Mail Promotions: Should you wish to be removed from our mailing list for physical promotions and solicitations, please send a written request to our customer service department using the address provided in the Contact Information section of this Policy. Ensure your full name and mailing address are included in your correspondence.

Security

We implement recognized physical, technical, and organizational safeguards tailored to protect the confidentiality, integrity, and availability of the specific categories of personal information we collect and process. These safeguards are designed to prevent unauthorized or unlawful access, destruction, loss, alteration, or disclosure of your personal information. However, despite our best efforts, no controls can provide absolute protection against all security threats, and we cannot guarantee that unauthorized access or loss will never occur. We have procedures in place to deal with any suspected data security breach. We will notify you and/or any applicable regulator of a suspected data security breach where we are legally required to do so in accordance with any legally prescribed timeframes.

Children’s Privacy

Our Online Services are not directed to children under 16 (or other age as required by local law), and we do not knowingly collect personal information from children. If you are a parent or guardian and believe that your child has provided us with personal information, please use our Contact Information. If we become aware that we have collected the personal information of a child, we will take steps to promptly delete such information.

Updates to This Privacy Policy

We reserve the right to modify this Policy at any time to reflect changes in our practices, services, or legal obligations. Any modifications will be effective upon the date specified in the updated Policy. If we make material changes to this Policy that significantly affect your rights or the way we use your personal information, we will notify you through the most appropriate channels. Generally, this will be done by updating the date at the top of this page. However, other notification methods may include sending an email to the address you have provided, posting a notice on our Online Services, or other methods as required by law.  Your continued use of our Online Services following the posting of changes constitutes your acceptance of such changes.

We will indicate the date of the last revision at the top of this Policy. We encourage you to periodically review this Policy to stay informed about how we are protecting your personal information.

Contact Information

If you have any questions or concerns about this Policy or our data practices, you can reach out to us through the following means:

Email: support@ceoadvisoryguru.com

Mail:   CEO Advisory Guru LLC

            22 Arta Drive, Suite 210

            Westlake, TX 76262