Privacy Policy

1. Introduction

Planetgel-O Enterprises LLC ("we," "us," "our," or "Company") operates MyConvergenceAssistant (the "Service"), a risk intelligence and planning platform. We are committed to protecting your privacy and being transparent about how we collect, use, and share your personal information.

This Privacy Policy explains:

• What information we collect from you
• How we use and share that information
• Your rights and choices regarding your information
• How we protect your information

By accessing or using the Service, you agree to this Privacy Policy. If you do not agree, please do not use the Service.

Location: This Service is operated from Illinois, United States. If you are located outside the United States, please be aware that information we collect will be transferred to, processed, and stored in the United States.

2. Information We Collect

2.1 Information You Provide Directly

Account Registration

When you create an account, we collect:

• Username (your chosen username for the Service)
• Email address (required for all account types, including free accounts)
• Password (securely hashed and stored with complexity requirements)
• Coupon or promotional codes you use during registration

Risk Assessment Data

When you use our risk assessment tools, we collect:

• Your responses to assessment questionnaires
• Risk readiness scores and evaluations
• Areas of concern you identify
• Notes and custom inputs you provide

Action Plans

When you create action plans, we collect:

• Goals and objectives you set
• Action items and timelines
• Progress tracking data
• Notes and updates you add

AI Companion Interactions

When you use our AI Companion feature, we collect:

• Questions and prompts you submit
• Conversation history and context
• Topics of interest and inquiry patterns
• Feedback on AI responses

Community Participation

If you participate in community features, we collect:

• Forum posts, comments, and discussions
• Direct messages to other users
• Profile information you choose to share
• Community engagement metrics

Communications with Us

When you contact us, we collect:

• Email correspondence
• Support ticket information
• Feedback and survey responses
• Any other information you choose to provide

2.2 Information Collected Automatically

Usage and Activity Data

We automatically collect information about how you use the Service, including:

• Pages and features you access
• Time spent on different sections
• Domains and topics you track most frequently
• Content you view or download
• Actions you take within the platform
• Frequency and patterns of use

Device and Technical Information

We collect technical data from your device, such as:

• IP address and approximate geographic location
• Browser type and version
• Operating system and device type (desktop, mobile, tablet)
• Screen resolution
• Referral source (how you found the Service)
• Date and time of access

Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to:

• Remember your login session
• Store your preferences
• Analyze how you use the Service
• Improve platform performance
• Deliver targeted or relevant content

For more details, see Section 5 (Cookies and Tracking Technologies).

2.3 Information from Third Parties

Payment Processors

Our payment processing partners share limited information with us, such as:

• Transaction confirmation and status
• Subscription tier and billing cycle
• Payment method type (e.g., last four digits of a card)
• Billing errors or failed payments

We do not directly collect or store full credit card numbers or banking information.

CAPTCHA Verification

We use Cloudflare Turnstile for bot protection. Cloudflare may collect:

• Device fingerprint data
• Behavioral analysis data
• IP address and network information

For more information, see Cloudflare's Privacy Policy at https://www.cloudflare.com/privacypolicy/.

Analytics Providers

We may use analytics services that collect:

• Aggregated usage statistics
• Performance metrics
• User flow patterns
• Non-identifiable demographic information

3. How We Use Your Information

We use the information we collect for the following purposes:

3.1 Provide and Improve the Service

• Create and maintain your account
• Deliver the features and functionality you request
• Track the ten domains of the Great Convergence
• Provide risk assessments and actionable plans
• Power the AI Companion feature
• Enable community interaction
• Process your subscription payments
• Send transactional emails (account confirmations, password resets, billing notifications)

3.2 Personalize Your Experience

• Remember your preferences and settings
• Customize content and recommendations
• Highlight domains and topics relevant to your interests
• Tailor AI Companion responses to your needs
• Show your progress and achievements

3.3 Communicate with You

• Send updates about the Great Convergence domains
• Provide educational content and resources
• Notify you of new features and improvements
• Deliver marketing communications (where permitted by law)
• Respond to your inquiries and support requests
• Send administrative messages and important notices

3.4 Ensure Security and Prevent Fraud

• Verify your identity
• Detect and prevent fraudulent activity
• Protect against unauthorized access
• Monitor for security threats
• Enforce our Terms of Service
• Comply with legal obligations

3.5 Research and Analytics

• Understand how users engage with the Service
• Identify trends and usage patterns
• Measure feature effectiveness
• Improve platform performance and stability
• Develop new features and services
• Conduct internal research and analysis

3.6 Legal Compliance

• Respond to legal requests and prevent harm
• Comply with applicable laws and regulations
• Enforce our agreements and policies
• Protect our rights and property

4. How We Share Your Information

We do not sell your personal information. We share your information only in the following circumstances:

4.1 Service Providers

We share information with third-party companies that perform services on our behalf, including:

• Payment processors
• Email service providers
• Cloud hosting and infrastructure providers
• AI platform providers
• Analytics and performance services
• Security and fraud prevention services
• Customer support tools

These service providers are contractually obligated to protect your information and use it only for the purposes we specify.

4.2 Community Features

When you participate in community features, certain information becomes visible to other users, such as:

• Your username
• Public profile information you choose to share
• Forum posts, comments, and discussions
• Contributions to shared resources

Important: Do not share sensitive personal information in public community spaces.

4.3 Business Transfers

If we are involved in a merger, acquisition, sale of assets, bankruptcy, or other business transaction, your information may be transferred to the new entity. We will notify you of any such change and any choices you may have.

4.4 Legal Requirements

We may disclose your information if required by law or in good faith belief that such disclosure is necessary to:

• Comply with legal obligations, court orders, or government requests
• Enforce our Terms of Service or other agreements
• Protect the rights, property, or safety of the Company, users, or the public
• Detect, prevent, or address fraud, security, or technical issues

4.5 With Your Consent

We may share your information with third parties when you explicitly consent to such sharing.

5. Cookies and Tracking Technologies

5.1 What Are Cookies?

Cookies are small text files stored on your device that help websites remember information about your visit. We use cookies and similar technologies (web beacons, pixels, local storage) to enhance your experience.

5.2 Types of Cookies We Use

Essential Cookies

Required for the Service to function, including:

• Authentication and login sessions
• Security features
• Load balancing and performance
• Basic user preferences

Analytics Cookies

Help us understand how you use the Service, including:

• Page views and navigation paths
• Feature usage and engagement
• Error tracking and diagnostics
• Performance metrics

Functional Cookies

Enhance your experience by remembering choices such as:

• Language and display settings
• Content customization
• Recently viewed items

Marketing Cookies (With Consent)

Used, where permitted by law, for marketing purposes, such as:

• Tracking marketing campaign effectiveness
• Delivering personalized content
• Retargeting and advertising

5.3 Third-Party Cookies

Some cookies are placed by third-party services we use, such as analytics providers, CAPTCHA services, and payment processors. These third parties have their own privacy policies governing their use of cookies.

5.4 Your Cookie Choices

Most browsers allow you to control cookies through settings, including to:

• Block all cookies (which may prevent the Service from functioning)
• Block third-party cookies
• Delete existing cookies
• Set rules for specific sites

To manage cookies, visit your browser's help section. Note that disabling essential cookies may prevent you from using the Service.

6. Data Security

6.1 How We Protect Your Information

We implement reasonable technical, administrative, and physical safeguards to protect your personal information, including:

• Encryption of data transmitted over HTTPS/TLS
• Secure password hashing using industry-standard algorithms
• Access controls limiting employee access to a need-to-know basis
• Security monitoring and logging
• Periodic security assessments and testing
• Vendor security requirements for our service providers

6.2 Your Responsibility

You are responsible for:

• Maintaining the confidentiality of your password
• Using a strong, unique password
• Logging out of your account on shared devices
• Notifying us immediately of any unauthorized access

6.3 No Absolute Security

No security system is impenetrable, and we cannot guarantee the absolute security of your information. Transmission of data over the internet is at your own risk.

6.4 Data Breach Notification

In the event of a data breach that compromises your personal information, we will notify affected users in accordance with applicable law.

7. Your Privacy Rights

7.1 General Rights (All Users)

Regardless of where you live, you may have the following rights (subject to applicable law):

• Access and Portability: Request a copy of the personal information we hold about you and receive it in a structured, commonly used format.
• Correction: Update or correct inaccurate or incomplete information.
• Deletion: Request deletion of your personal information, subject to legal and business exceptions.
• Opt-Out of Marketing: Unsubscribe from marketing emails and other promotional communications.

7.2 California Residents (CCPA/CPRA)

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including:

• Right to Know: Request information about the categories and specific pieces of personal information we collect, the sources of that information, the purposes for collection, and the categories of third parties with whom we share it.
• Right to Delete: Request deletion of personal information we collected from you, subject to certain exceptions.
• Right to Correct: Request correction of inaccurate personal information.
• Right to Opt-Out of Sale/Sharing: We do not sell your personal information. If our practices change, we will update this policy and provide an opt-out mechanism.
• Right to Non-Discrimination: You have the right not to receive discriminatory treatment for exercising your privacy rights.

7.3 Illinois Residents

As an Illinois-based company, we comply with Illinois privacy laws. We do not collect biometric information (such as fingerprints or facial recognition data) and implement reasonable security measures consistent with Illinois Personal Information Protection Act (PIPA).

7.4 European Union, UK, and Swiss Residents (GDPR)

If you are located in the European Economic Area (EEA), United Kingdom, or Switzerland, you may have rights under the General Data Protection Regulation (GDPR) and similar laws, including:

• Right of access to your personal information
• Right to rectification of inaccurate data
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to certain processing
• Right to withdraw consent where processing is based on consent
• Right to lodge a complaint with a supervisory authority

7.5 How to Exercise Your Rights

To exercise any of these rights, please contact us using the information in Section 13. We may need to verify your identity before fulfilling your request. We will respond within the timeframes required by applicable law.

8. Children's Privacy

8.1 Age Restriction

The Service is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13.

If you are under 13, do not register for an account, use the Service, or provide any information about yourself.

8.2 Parental Notice

If we learn that we have collected personal information from a child under 13 without verified parental consent, we will delete that information as quickly as possible. If you believe we have collected information from a child under 13, please contact us immediately.

8.3 Teens (Ages 13-17)

If you are between 13 and 17, you may use the Service only with the involvement, supervision, and approval of a parent or legal guardian. By using the Service, you represent that your parent or guardian has reviewed and agreed to this Privacy Policy and our Terms of Service.

9. Data Retention

9.1 How Long We Keep Your Information

We retain your personal information for as long as necessary to provide the Service, comply with legal obligations, resolve disputes, and enforce our agreements.

9.2 Retention Periods

• Active accounts: We retain all information necessary to provide the Service while your account is active.
• Closed accounts: After you close your account, we will delete or anonymize your personal information within reasonable timeframes, subject to legal and business requirements.
• Legal and business requirements: We may retain certain information longer if required for tax, accounting, dispute resolution, or fraud prevention.
• Backups: Information may persist in backup systems for a limited period after deletion from active systems.

9.3 Anonymized Data

We may retain anonymized or aggregated data indefinitely for research, analytics, and service improvement purposes. This data cannot be used to identify you.

10. International Users

The Service is operated from the United States. If you are located outside the United States, you understand that your information will be transferred to, stored, and processed in the United States, which may have different data protection laws than your home country.

Where required by law, we implement appropriate safeguards for international transfers, such as Standard Contractual Clauses or your explicit consent.

11. Third-Party Links and Services

The Service may contain links to third-party websites, resources, or services. We are not responsible for the privacy practices of those third parties.

We encourage you to review the privacy policies of any third-party services you visit, including:

• Cloudflare (CAPTCHA): https://www.cloudflare.com/privacypolicy/
• Payment processors (see your payment provider's policy)
• Analytics services (see their published privacy policies)

12. Changes to This Privacy 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 changes, we will:

• Update the "Last Updated" date at the top of this policy
• Post the revised policy on the Website
• Notify you by email for material changes (if you have an account)
• Provide notice through the Service for significant changes

Your continued use of the Service after changes take effect constitutes acceptance of the revised Privacy Policy. If you do not agree to the changes, you must stop using the Service.

13. Contact Us