PRIVACY POLICY & MORE

1. Introduction

Beyond an Act of Kindness Inc. (“BAAOK”, “we”, “our”, “us”) is committed to protecting the privacy of individuals who visit our website, engage with our services, and provide us personal information. This Privacy Policy explains how we collect, use, share, safeguard and retain your personal information. This Policy applies to all programs, services and subsidiaries of BAAOK — including its financial/legal services subsidiary, Beyond Financial & Legal Services (BFLS).

2. Scope & Relationship With Subsidiary

BAAOK provides a variety of services (community, education, consulting, attorney-referral, etc.). Some of these services are fulfilled by its subsidiary, Beyond Financial & Legal Services (BFLS).
When you select a service offered by BAAOK that involves financial or debt-related operations, your personal information may be shared securely with BFLS for fulfillment. Both entities adhere to this Privacy Policy’s standards.
This Policy governs the collection and handling of personal information across BAAOK’s website, customer intake, communications, and service delivery.

3. Information We Collect

We may collect the following categories of personal information:

Personal identifiers: name, address, email, phone number, date of birth, etc.
Service-related data: account or program history, service preferences, communications with our agents or affiliates.
Financial/transactional data: payment information, billing data, debt account details (if applicable).
Technical/usage information: IP address, browser device, cookies and other tracking/analytics data.
Others as required by service, program, or law.

4. How We Use Your Information

We use information about you for the following purposes:

To deliver or facilitate the service(s) you requested.
To communicate with you about your account, service updates, notices or billing.
To process payments, referrals, and fulfilment of agreements.
To comply with our legal, regulatory or contractual obligations.
To improve our website, services, user experience and analytics.
To prevent fraud, protect rights and ensure the security of our operations.

5. Sharing and Disclosure of Your Information

We commit not to sell your personal information to marketers. We will disclose information only under the following conditions:

To our authorized employees, agents, affiliates (including BFLS) that directly serve you.
To third-party contractors or service providers performing functions on our behalf under confidentiality agreements.
To regulators, law enforcement or courts when required by law or to protect our legal rights.
In connection with a sale, merger, acquisition or transfer of business assets (you will be notified if your data is transferred).

6. Payment Authorization & Security

Payments may be processed by phone, online or via authorized agents of BAAOK or BFLS, depending on service selected.
You may see charges on your bank or credit card statement as “Beyond an Act of Kindness,” “BAAOK,” or “Beyond Financial & Legal Services.”
We employ secure systems, encryption technologies and restrict access to payment data in compliance with applicable laws.
If you believe you have received an unauthorized payment request or your payment data has been compromised, call us immediately at 678-250-8616.

7. Cookies & Tracking Technologies

Our websites use cookies and other tracking technologies (such as web beacons, analytics tools) to enhance your browsing experience, analyze site usage and deliver relevant content.
You may disable or refuse cookies in your browser settings; however, doing so may impact functionality on our site.
By using our website, you consent to our use of cookies and tracking as described.

8. Electronic Signature Consent (E-Sign)

By signing any agreement or form electronically with BAAOK or BFLS, you agree that your electronic signature has the same legal effect as a handwritten signature under the federal E-SIGN Act and any applicable state law. You consent to receive disclosures, notices, agreements and communications electronically.

9. Data Protection & Security Measures

We implement administrative, technical and physical safeguards to protect your personal information from unauthorized access, misuse, alteration or destruction.
Access to your personal data is limited to those with a business need to know.
We regularly monitor systems, train staff on privacy practices and evaluate our security measures.
Although we strive for full protection, no method of data transmission or storage is completely secure — please also protect your credentials and report any suspected issue immediately.

10. Your Rights & Choices

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

Request access to or correction of your personal information.
Request deletion of your personal data, where legally permissible.
Opt out of communications or withdraw consent for certain uses.
Lodge a privacy complaint.
To exercise your rights or submit a request, contact us at 678-250-8616. Please provide sufficient information for us to verify your identity and handle your request.

11. Service Availability Statement

At BAAOK, we strive to provide reliable and timely services across all programs (community development, consulting, training, financial/legal services). However, service availability may be subject to:

Contractor or supplier delays
Economic or regulatory conditions
Technology or infrastructure interruptions
Some services (particularly debt-related or financial programs fulfilled by BFLS) may have specific delivery timelines, enrollment requirements or state restrictions. We encourage you to confirm the timeline and availability of your selected service when you engage.

12. Disclosure & No Guaranteed Outcome

While we are committed to high‐quality service, please note:

BAAOK (and when applicable, BFLS) does not guarantee a specific debt resolution, credit outcome, percentage reduction or timeframe.
Your enrollment in a program does not guarantee success or release of all liability.
Fees, state laws, your individual circumstances and creditor actions may materially affect results.
By proceeding with our services, you acknowledge understanding of these factors.

13. Fraud Reporting & Verification

If you receive a suspicious call, letter or message claiming to be acting on behalf of BAAOK or BFLS, please contact us at 678-250-8616 to verify authenticity before disclosing any personal or payment information. We will investigate reported fraud and take appropriate action to protect your data and accounts.

14. Accessibility Statement

We are committed to ensuring that our website and services are accessible to individuals with disabilities. If you encounter any accessibility barriers, please reach out to us at 678-250-8616 for assistance .

15. Updates to This Policy

We may revise this Privacy Policy periodically to reflect changes in our practices or for operational, regulatory, or legal reasons. When we make material changes, we will post the revised policy here and update the Last Updated date. We encourage you to review this policy regularly.

16. Contact Information

For questions, concerns or requests regarding this Privacy Policy or our data practices:
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