Andrea Ruth Walker ("we," "us," or "our") operates andrearuthwalker.com and provides mindset coaching, online courses, and digital resources. We are committed to protecting your personal information and being transparent about how we collect, use and share it.

This Privacy Policy applies to all visitors, clients and customers of andrearuthwalker.com. By using our website or purchasing our services, you agree to the practices described in this policy.

We are based in Canada and serve clients internationally. Our privacy practices are designed to comply with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA), the European Union's General Data Protection Regulation (GDPR), and applicable US state privacy laws.

2. Information We Collect

INFORMATION YOU PROVIDE DIRECTLY

Name and email address when subscribing to our newsletter or submitting a contact form
Name, email address and billing address when purchasing a course, coaching package or digital resource
Information you share during coaching sessions, intake forms or consultations
Any other information you voluntarily provide when communicating with us

INFORMATION COLLECTED AUTOMATICALLY

IP address and general location data
Browser type, device type and operating system
Pages visited, time spent on pages and referring URLs
Cookie data and similar tracking technologies (see Section 12)

PAYMENT

We do not collect or store your credit card or payment details directly. All payment processing is handled by Stripe, Inc.

Please see Section 3 for full details.

3. Payments & Stripe

We use Stripe, Inc. as our payment processor for all transactions on this website. When you make a purchase, your payment information is submitted directly to Stripe and is never stored on our servers.

We use Stripe for payments, analytics, and other business services. Stripe may collect personal data including via cookies and similar technologies. The personal data Stripe collects may include transactional data and identifying information about devices that connect to its services. Stripe uses this information to operate and improve the services it provides to us, including for fraud detection, loss prevention, authentication, and analytics related to the performance of its services. You can learn more about Stripe and read its privacy policy at stripe.com/privacy.

WHAT STRIPE COLLECTS ON OUR BEHALF

Your name and email address
Billing address and payment method details
Transaction data including amount, date and purchase description
Device and behavioural data for fraud detection via Stripe Radar
IP address and browser information

CARD DATA AND PCI COMPLIANCE

Stripe is a PCI Level 1 certified payment processor — the highest level of certification available. Your card number is entered directly into Stripe's secure system and never passes through or is stored on our servers.

DATA SHARED WITH STRIPE

In order to process your payment, we share your name, email address and purchase details with Stripe. Stripe may further share this data with its own service providers and affiliates as described in its privacy policy.

DATA TRANSFERRED TO THE UNITED STATES

Stripe processes data in the United States. By making a purchase on our website, you acknowledge that your payment data will be transferred to and processed in the US, subject to Stripe's privacy policy and applicable data transfer safeguards including Standard Contractual Clauses and the EU-US Data Privacy Framework.

4. How We Use Your Data

We use the information we collect for the following purposes:

To process and fulfil your purchases of courses, coaching packages and digital resources
To deliver digital products and course content you have purchased
To communicate with you about your orders, bookings and coaching sessions
To send you newsletters, blog updates and resources — only where you have subscribed or consented
To respond to your enquiries and provide customer support
To improve our website, content and services
To comply with our legal obligations
To protect against fraud and unauthorised transactions

We do not sell your personal data to third parties. We do not use your data for advertising purposes. We do not allow advertisers to pay to promote their products or services through our platform.

5. Sharing Your Data

We share your personal data only in the following circumstances:

STRIPE — PAYMENT PROCESSING

We share your name, email and purchase information with Stripe, Inc. to process your payments. Stripe may share this data with its own service providers as described in its privacy policy at stripe.com/privacy.

EMAIL SERVICE PROVIDERS

We use third-party email platforms to send newsletters and transactional emails. Your email address and name may be stored with these providers. We ensure these providers comply with applicable privacy laws.

WEBSITE PLATFORM

Our website is hosted on Wix. Wix may collect certain data as part of its hosting and analytics services. Please refer to Wix's privacy policy for details.

LEGAL REQUIREMENTS

We may disclose your information if required to do so by law or in response to valid requests by public authorities such as a court or government agency.

WE DO NOT SELL YOUR DATA

We do not sell, rent or trade your personal information to any third party for marketing or commercial purposes.

6. International Data Transfers

We are based in Canada and our website is accessible worldwide. When you make a purchase or submit information through our website, your data may be transferred to and processed in countries outside your own — including Canada and the United States.

In particular, payment data is processed by Stripe in the United States. Stripe complies with the EU-US Data Privacy Framework and uses Standard Contractual Clauses to ensure lawful data transfers from the EU and UK.

We take steps to ensure that any international transfer of your personal data is subject to appropriate safeguards in accordance with applicable privacy laws.

7. Data Retention

We retain your personal data only for as long as necessary to fulfil the purposes for which it was collected, or as required by law.

Purchase and transaction records are retained for a minimum of seven years for accounting and tax compliance purposes
Email subscriber data is retained until you unsubscribe or request deletion
Coaching session notes are retained for the duration of our coaching relationship and for a reasonable period thereafter
Website analytics data is retained in accordance with our analytics provider's retention settings

When data is no longer required, we delete or anonymise it securely.

8. Your Rights

Depending on your location, you may have the following rights regarding your personal data:

Right to access — request a copy of the personal data we hold about you
Right to correction — request correction of inaccurate or incomplete data
Right to deletion — request deletion of your personal data, subject to legal retention requirements
Right to object — object to certain uses of your data, including direct marketing
Right to withdraw consent — withdraw consent at any time where processing is based on consent
Right to data portability — receive your data in a structured, machine-readable format

To exercise any of these rights, please contact us at hello@andrearuthwalker.com. We will respond to your request within 30 days.

9. Canadian Residents (PIPEDA)

If you are located in Canada, your personal information is protected under the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws.

Under PIPEDA you have the right to access your personal information held by us and to challenge its accuracy. You may also withdraw consent to the collection, use or disclosure of your personal information at any time, subject to legal or contractual restrictions.

To make a privacy request or file a complaint, please contact us at hello@andrearuthwalker.com. If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of Canada at priv.gc.ca.

10. EU & UK Residents (GDPR)

If you are located in the European Union or United Kingdom, your personal data is protected under the General Data Protection Regulation (GDPR) and applicable national data protection laws.

LEGAL BASIS FOR PROCESSING

Contract performance — processing necessary to fulfil your purchase or coaching agreement
Legitimate interests — improving our services and communicating with clients
Consent — newsletter subscriptions and marketing communications
Legal obligation — compliance with applicable laws

YOUR GDPR RIGHTS

In addition to the rights listed in Section 8, EU and UK residents have the right to lodge a complaint with your local supervisory authority. In the EU, you can find your supervisory authority at edpb.europa.eu.

RIGHT TO OBJECT TO STRIPE'S DATA PROCESSING

As an EU or UK resident, you have the right to object to Stripe's processing of your personal data. Please refer to Stripe's privacy policy at stripe.com/privacy for instructions on how to exercise this right directly with Stripe.

11. US Residents

If you are located in California or another US state with applicable privacy laws, you may have additional rights including:

The right to know what personal information we collect, use, disclose or sell
The right to opt out of the sale of personal information — we do not sell personal information
The right to non-discrimination for exercising your privacy rights
The right to request deletion of your personal information

To exercise your rights under the California Consumer Privacy Act (CCPA) or other applicable US state laws, please contact us at hello@andrearuthwalker.com.

For information about Stripe's compliance with the CCPA and how to exercise your rights with Stripe directly, please visit stripe.com/privacy.

12. Cookies

Our website uses cookies and similar technologies to improve your browsing experience and analyse website traffic. Cookies are small text files stored on your device.

TYPES OF COOKIES WE USE

Essential cookies — necessary for the website to function, including Wix platform cookies
Analytics cookies — help us understand how visitors use our website
Stripe cookies — Stripe may place cookies on your device for fraud detection and payment processing purposes

You can control cookies through your browser settings. Please note that disabling certain cookies may affect the functionality of our website. For information about Stripe's cookie use, please refer to Stripe's cookie policy.

13. Children's Privacy

Our website and services are intended for adults aged 18 and over. We do not knowingly collect personal information from children under the age of 13. If you believe we have inadvertently collected information from a child, please contact us immediately at hello@andrearuthwalker.com and we will delete it promptly.

14. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements or other factors. When we make material changes, we will update the effective date at the top of this page.

We encourage you to review this policy periodically. Your continued use of our website after any changes constitutes your acceptance of the updated policy.

15. Contact Us

If you have any questions, concerns or requests regarding this Privacy Policy or our data practices, please contact us:

Andrea Ruth Walker

Email: hello@andrearuthwalker.com
Website: andrearuthwalker.com
Location: Canada

Privacy Policy

1. Overview

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2. Information We Collect​

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