Privacy Policy

1. Who we are

Biz Takeoff ("Biz Takeoff", "we", "us", or "our") provides educational guidance, software tools, and consulting services that help business owners set up their business foundation, build business credit, and adopt smart technology.

This Privacy Policy describes how we handle personal information collected through our website, our mobile application, our checkout and booking systems, and our consulting services. It applies whether you are a visitor, a member, or a consulting client.

If you have any question about this policy, or about how your information is handled, you can reach us at any time at admin@biztakeoff.com.

2. Information we collect

Information you give us directly

• Contact and identity details — your name, email address, and phone number.
• Business details — your business name, business structure, industry, and the stage your business is at.
• Appointment details — the date and time you select, what you would like to focus on, and any notes you choose to add when booking.
• Membership and order details — the plan you select, your order reference, your billing history, and the date you accepted this policy.
• Correspondence — the content of emails, form submissions, and messages you send us.

Information collected automatically

• Technical data — your IP address, browser type, device type, operating system, and the pages you visit on our site.
• Usage data — how you move through our site and application, which helps us find and fix problems.

Information we receive from others

• Payment status — our payment processor tells us whether a payment succeeded, failed, or was cancelled, and confirms your subscription status.
• Business information — where relevant to a service you have asked us to provide, we may receive information about your business from public records or from partners you have authorised.

We do not collect or store your full payment card number, card expiry date, or card security code on our systems. See Payments and checkout below.

3. How we use your information

We use the information described above to:

• Create and manage your membership or client account;
• Take payment for the plan you selected and manage your recurring subscription;
• Schedule, confirm, reschedule, and remind you about appointments;
• Send transactional messages such as receipts, booking confirmations, and appointment notifications;
• Deliver the guidance, tools, and consulting services you have purchased;
• Respond to your questions and provide customer support;
• Operate, secure, troubleshoot, and improve our website and application;
• Detect and prevent fraud, abuse, and other unlawful activity;
• Comply with our legal, tax, accounting, and regulatory obligations;
• Send marketing communications where you have asked to receive them, or where otherwise permitted by law.

We do not sell your personal information, and we do not share it with third parties for their own independent advertising purposes.

4. Payments and checkout

Payments are processed by Stripe, Inc., a PCI-DSS compliant payment provider. When you continue to payment, you are taken to a secure checkout page hosted by Stripe, where you enter your card details directly with Stripe.

This means your full card number never passes through, and is never stored on, Biz Takeoff systems. We receive only what we need to service your subscription: your name, email address, the plan you purchased, the amount, the payment status, and identifiers that let us match your payment to your account.

Stripe processes your payment information as a separate controller of that data under its own privacy policy, which you can read at stripe.com/privacy.

Before completing a purchase you are shown the plan name, the full monthly price, and everything the plan includes, and you are asked to confirm that you have read this Privacy Policy. We record the date and time of that confirmation alongside your order.

5. Appointments and bookings

When you book a discovery call or a private consultation, we store the appointment time, the appointment type, and the details you provide so that we can hold the slot, prepare for your session, and contact you about it.

Booking an appointment triggers two notifications: a confirmation to the email address you provided, and an internal notification to our team at admin@biztakeoff.com so that your appointment is actioned. Anything you write in the notes field is visible to the Biz Takeoff team member preparing for your session, so please do not include sensitive information you would rather not share.

You can cancel or reschedule an appointment at any time by replying to your confirmation email or contacting us directly.

6. When we share information

We share personal information only in the circumstances below.

• Service providers. Companies that operate parts of our service on our instructions — including our website and application hosting provider, our database provider, our payment processor, and our email delivery provider. They may only use the information to provide their service to us.
• Professional advisers. Our accountants, auditors, insurers, and lawyers, where they need the information to advise us.
• Legal and safety reasons. Where we are required to disclose information by law, court order, or a valid request from a public authority, or where disclosure is necessary to protect our rights, your safety, or the safety of others, or to investigate fraud.
• Business transfers. If Biz Takeoff is involved in a merger, acquisition, financing, or sale of assets, information may be transferred as part of that transaction. We will tell you before your information becomes subject to a materially different privacy policy.
• With your permission. Any other sharing you specifically ask us or authorise us to do.

7. Cookies and analytics

Our website uses only the cookies and similar technologies that are necessary for it to work — for example to keep your session working correctly and to keep the site secure. We do not use advertising cookies and we do not run third-party advertising trackers on this site.

Our hosting provider records standard server logs, including IP addresses and requested pages, which we use to keep the service reliable and secure. Our web fonts are served by Google Fonts, which receives the request needed to deliver the font files.

Most browsers let you block or delete cookies through their settings. Blocking strictly necessary cookies may stop parts of the site, including checkout and booking, from working correctly.

8. How long we keep information

We keep personal information only for as long as we need it for the purposes described in this policy, and then delete or anonymise it. In practice that means:

• Order and payment records are kept for as long as required by tax and accounting law, which is generally at least seven years.
• Appointment records are kept for the life of your relationship with us and for a reasonable period afterwards, so we have a history of the guidance provided.
• Membership and account information is kept while your membership is active and for a reasonable period after cancellation.
• Enquiries that do not become accounts are kept for up to two years.

9. How we protect information

All traffic to and from our website is encrypted in transit using HTTPS. Personal information is stored in a managed, access-controlled database, and access is limited to the people who need it to do their job. Payment card details are handled entirely by our PCI-DSS compliant payment processor and are not stored on our systems.

No method of transmission or storage is completely secure, so we cannot guarantee absolute security. If we become aware of a breach that affects your personal information, we will notify you and any relevant regulator as required by applicable law.

10. Your privacy rights

Depending on where you live, you may have the right to:

• Know and access the personal information we hold about you, and how we use and share it;
• Correct personal information that is inaccurate or incomplete;
• Delete personal information, where we are not required to keep it;
• Obtain a copy of the information you provided to us in a portable format;
• Opt out of marketing at any time;
• Opt out of any sale or sharing of personal information — we do not sell or share personal information for cross-context behavioural advertising, so there is nothing to opt out of;
• Object to or restrict certain processing, and withdraw consent you previously gave;
• Be free from discrimination for exercising any of these rights.

To exercise any of these rights, email admin@biztakeoff.com with your request. We will verify your identity before acting, respond within the time required by applicable law, and will not charge you for a reasonable request. You may use an authorised agent where the law allows it.

Note that some information cannot be deleted on request — for example order records we must retain for tax, accounting, fraud-prevention, or other legal purposes.

11. Marketing communications

We send transactional messages — receipts, booking confirmations, appointment reminders, and account notices — because they are necessary to deliver the service you asked for. These are not marketing and cannot be opted out of while your account is active.

Marketing emails, such as educational content and offers, are sent only where you have asked to receive them or where the law otherwise permits. Every marketing email includes an unsubscribe link, and you can also opt out at any time by emailing admin@biztakeoff.com.

12. Children's privacy

Biz Takeoff is a service for business owners and is not directed at children. We do not knowingly collect personal information from anyone under 18. If you believe a child has provided us with personal information, contact admin@biztakeoff.com and we will delete it.

13. Third-party links

Our site links to third-party services, including our payment processor, our social media profiles, and mobile app stores. Those services have their own privacy policies and we are not responsible for their practices. We encourage you to read the privacy policy of any service you visit from our site.

14. Changes to this policy

We may update this policy as our services, or the law, change. When we do, we will revise the "Last updated" date at the top of this page. If a change materially affects how we use information we already hold about you, we will notify you directly — by email or through the service — before that change takes effect.

15. How to contact us

For any privacy question, request, or complaint, contact us and we will respond as quickly as we can:

If you are not satisfied with our response, you may have the right to complain to your local data protection or consumer protection authority.