This Privacy Policy explains how Colleen Murphy, doing business as Centered Money® (“we,” “us,” or “our”) collects, uses, stores, and protects your personal information when you visit our website, engage in coaching services, or otherwise interact with us.
By accessing or using this website or our services, you agree to the terms of this Privacy Policy.

1. Information We Collect

We collect personal information that you voluntarily provide and certain technical information automatically when you interact with our website.

(a) Information You Provide

When you contact us, sign up for newsletters, book consultations, or participate in coaching, you may provide:

• Name, email address, phone number, and mailing address

• Payment details (processed securely through third-party providers)

• Personal information relevant to coaching (such as financial goals or circumstances)

• Any other information you choose to share via forms, surveys, or communications

(b) Automatically Collected Information

Our website may automatically collect:

• IP address and browser type

• Device information and operating system

• Date, time, and pages visited

• Referral sources and general location data
  This information helps us improve website functionality and user experience.

2. How We Use Your Information

We use collected information to:

• Communicate with you regarding inquiries, sessions, or programs

• Deliver and personalize coaching services

• Send newsletters or updates (only if you opt in)

• Process payments and manage bookings

• Maintain internal records for business and legal compliance

• Improve website performance and user experience

• Fulfill legal or regulatory obligations

We do not sell or rent your personal data to third parties.

3. Legal Basis for Processing (for EU/EEA clients)

For clients protected under GDPR, we process data under the following lawful bases:

• Consent — when you voluntarily provide data for contact or marketing.

• Contract — to fulfill coaching agreements or service obligations.

• Legal obligation — to comply with accounting or record-keeping laws.

• Legitimate interest — to operate, protect, and improve our business.

4. Payment Processing

Payments for services are handled through secure third-party processors (such as PayPal, Stripe, or other invoicing services).
We do not store your full payment information or credit card numbers on our systems.
These processors operate under their own privacy policies and are responsible for the protection of your financial information.

5. Data Retention

We retain client and user information only as long as necessary to:

• Deliver agreed services,

• Comply with legal or tax obligations, and

• Resolve disputes or enforce agreements.

Generally, financial and communication records may be retained for up to seven (7) years in accordance with U.S. recordkeeping standards.

6. Information Sharing and Disclosure

We do not share, sell, or trade personal information.
We may disclose limited data only:

1. To service providers assisting with business operations (e.g., payment processors, email marketing tools, scheduling platforms) under confidentiality obligations;

2. As required by law or valid legal process (e.g., subpoena or court order);

3. To protect our rights, privacy, safety, or property.

7. Email and Marketing Communications

• You may receive occasional emails regarding coaching updates, newsletters, or resources.

• You can unsubscribe from marketing emails at any time using the “unsubscribe” link or by contacting us directly.

• Transactional or service-related communications (such as booking confirmations) may still be sent as necessary to fulfill our obligations.

8. Cookies and Tracking Technologies

Our website may use “cookies” or similar technologies to enhance browsing experience, analyze usage, and improve functionality.
You can adjust your browser settings to refuse cookies or notify you when they are used. Disabling cookies may affect site performance.

9. Data Security

We maintain reasonable administrative, technical, and physical safeguards to protect your personal data from loss, misuse, unauthorized access, disclosure, or alteration.
While we take these measures seriously, no internet or electronic transmission is completely secure, and we cannot guarantee absolute security of information transmitted online.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those external sites.
We encourage you to review their privacy policies before sharing personal information.

11. Children’s Privacy

Our services and website are not directed to children under 18 years of age.
We do not knowingly collect personal information from minors.
If you believe we have received information from a minor, please contact us, and we will promptly delete it.

12. International Data Transfers

If you access this site from outside the United States, you understand that your information may be transferred to and processed in the U.S., where privacy laws may differ from those in your jurisdiction.
We take reasonable steps to protect all personal data in accordance with this policy.

13. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access, correct, or delete your personal data

• Withdraw consent at any time (where processing is based on consent)

• Request a copy of the data we hold about you

• Lodge a complaint with a relevant data protection authority

To exercise any of these rights, contact us at the email below.

14. Policy Updates

We may update this Privacy Policy periodically to reflect legal or operational changes.
The “Effective Date” above will always show the latest revision date.
Continued use of the website or services after updates constitutes acceptance of the revised policy.

15. Contact Information

For any privacy-related questions, concerns, or requests, please contact:

Colleen Murphy – Centered Money®
Email: hello@centeredmoney.com
Website: https://www.centeredmoney.com
Location: State of New Hampshire, United States