PRIVACY POLICY

Effective Date: September 23, 2026

Privacy Policy

Financial Metabolism LLC, operating through KennethBotwe.com and its related websites, products, and services ("we," "our," or "us"), respects your privacy and is committed to protecting your personal information.

This Privacy Policy explains what information we may collect, how we use it, how it may be shared, and the choices you may have regarding your information.

Information We Collect

We may collect personal information that you voluntarily provide to us, including:

• Name

• Email address

• Phone number, if provided

• Billing and transaction information

• Information submitted through forms, assessments, surveys, or questionnaires

• Information provided when purchasing products or services

• Information provided when joining a membership or participating in coaching

• Communications you send to us

• Other information you voluntarily provide

We may also automatically collect certain information when you use our websites, including:

• IP address

• Browser type

• Device information

• Operating system

• Pages visited

• Referral sources

• Website interactions

• Approximate location derived from technical information

• Cookie and analytics data

Financial Information

Some Financial Metabolism products, assessments, calculators, coaching services, or educational tools may allow you to provide financial information such as income, expenses, debt, savings, or investment-related information.

This information may be used to provide requested calculations, assessments, educational results, coaching, or other services.

Please do not submit information that is not necessary to use the applicable service.

Payment Information

When you purchase a product, membership, coaching session, or other service, payments may be processed by third-party payment processors.

We generally do not directly store complete credit or debit card numbers. Payment information is handled by the applicable payment processor according to its own privacy and security practices.

How We Use Your Information

We may use your information to:

• Deliver requested free resources

• Provide assessments and results

• Create and administer accounts

• Provide memberships, coaching, products, and services

• Process and administer purchases

• Respond to inquiries

• Provide customer support

• Send educational emails

• Send newsletters, promotions, offers, and announcements

• Personalize and improve our website and services

• Analyze website traffic and user behavior

• Measure the effectiveness of marketing and advertising

• Prevent fraud, misuse, or security threats

• Maintain business and transaction records

• Comply with applicable legal and regulatory obligations

Email Communications

If you subscribe to our mailing list, complete an assessment, register for a resource, make a purchase, or otherwise provide your email address where permitted by law, you may receive communications related to the products, services, or resources you requested.

Where permitted, you may also receive educational emails, newsletters, promotions, offers, and announcements from Financial Metabolism LLC.

You may unsubscribe from marketing emails at any time by using the unsubscribe link included in those emails.

You may continue to receive transactional or service-related communications when necessary to administer purchases, accounts, memberships, or other services.

Cookies and Similar Technologies

Our websites may use cookies, pixels, analytics technologies, and similar tools to operate the website, remember preferences, understand website usage, measure marketing effectiveness, and improve our services.

Some third-party advertising or analytics providers may also use cookies or similar technologies in connection with our websites.

Depending on your location, you may have additional rights regarding cookies or targeted advertising.

You may also be able to control certain cookies through your browser settings.

Third-Party Service Providers

We may use third-party service providers to help operate our business, including providers for:

• Website and funnel hosting

• Payment processing

• Email marketing

• Membership and course delivery

• Website analytics

• Video and media hosting

• Advertising and marketing

• Scheduling and communications

• Digital product delivery

• Business automation

These providers may process information as necessary to perform services on our behalf and are subject to their own terms, privacy policies, and applicable legal obligations.

How We Share Information

We do not sell personal information for money.

We may share information with service providers and business partners when reasonably necessary to operate our business, provide requested services, process transactions, conduct analytics or advertising, maintain security, or comply with legal obligations.

We may also disclose information when required by law, legal process, court order, governmental request, or when reasonably necessary to protect our rights, users, business, or others.

If Financial Metabolism LLC is involved in a merger, acquisition, financing, sale of assets, reorganization, or similar business transaction, information may be transferred as part of that transaction, subject to applicable law.

Data Security

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information.

However, no Internet transmission, electronic storage system, or security measure can be guaranteed to be completely secure.

Data Retention

We may retain personal information for as long as reasonably necessary to provide our services, maintain business and transaction records, comply with legal obligations, resolve disputes, enforce agreements, and fulfill the purposes described in this Privacy Policy.

Retention periods may vary depending on the type of information and applicable legal requirements.

Children's Privacy

Our websites, products, and services are not directed to children under the age of 13.

We do not knowingly collect personal information from children under 13. If we become aware that such information has been collected without appropriate authorization, we will take reasonable steps to delete it.

Your Privacy Rights

Depending on where you live and applicable law, you may have certain rights regarding your personal information, including the right to:

• Request access to personal information we maintain about you

• Request correction of inaccurate personal information

• Request deletion of certain personal information

• Withdraw consent where processing is based on consent

• Unsubscribe from marketing communications

• Request information regarding certain uses or disclosures of your personal information

• Exercise other privacy rights provided by applicable law

Not all rights apply in every jurisdiction or circumstance.

To submit a privacy-related request, contact us using the information below. We may need to verify your identity before processing certain requests.

External Links

Our websites may contain links to third-party websites or services.

Financial Metabolism LLC is not responsible for the privacy practices, security, or content of third-party websites. We encourage you to review the privacy policies of any third-party services you use.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to our business practices, technologies, services, or legal requirements.

The current version will be posted on this page with its applicable effective date.

Contact Us

If you have questions about this Privacy Policy or wish to submit a privacy-related request, contact:

Financial Metabolism LLC
Kenneth Botwe
Email: ken@kennethbotwe.com
Website: KennethBotwe.com