Policies and T & C’s

📜 **PRIVACY POLICY

Smart Business Diva**

Last updated: 30 November 2025

Smart Business Diva (“we”, “our”, “us”) is committed to protecting your personal information and your privacy. This Privacy Policy explains what information we collect, how we use it, how we protect it, and your rights regarding your data when you visit SmartBusinessDiva.com or use our products and services.

By accessing our website or purchasing any digital products, you agree to the practices described in this policy.

1. Information We Collect

We collect personal information in the following ways:

1.1 Information You Provide to Us

When you:

  • Create an account
  • Make a purchase
  • Subscribe to emails
  • Contact us
  • Download digital products
  • Fill in forms

You may provide:

  • Name
  • Email address
  • Billing address
  • Payment information (processed securely via third-party provider — we do not store full card data)
  • Account login details
  • Messages or support requests

1.2 Automatically Collected Information

When you browse our website, we may automatically collect:

  • IP address
  • Device information
  • Browser type
  • Operating system
  • Pages viewed
  • Time spent on pages
  • Referring website
  • Cookies and tracking pixels

1.3 Cookie Information

We use cookies to:

  • Improve website functionality
  • Remember your preferences
  • Analyse website usage
  • Enable secure checkout
  • Provide personalised content

You can manage cookies in your browser settings.

2. How We Use Your Information

We use your information to:

  • Process orders and deliver digital products
  • Send order confirmations, receipts, and product access
  • Improve website performance
  • Provide customer support
  • Personalise your experience
  • Manage user accounts
  • Send marketing communications (only if you opt-in)
  • Protect our website from fraud or misuse
  • Comply with legal obligations

3. Legal Basis for Processing (GDPR/UK GDPR)

We process your data under one or more of the following:

  • Contractual necessity – to process purchases and deliver products
  • Legitimate interest – to improve our services and website
  • Consent – for marketing emails
  • Legal obligation – accounting, security, and compliance

4. How We Store and Protect Your Data

We take data security seriously.
We use:

  • SSL encryption
  • Firewalls
  • Secure servers
  • Limited internal access
  • Trusted third-party processors (“payment gateways”, “email platforms”)
  • Regular security monitoring

We do not store full credit card information on our servers.

5. Third-Party Service Providers

We may share data with trusted partners who assist us in operating the website, including:

  • Payment processors (Stripe, PayPal, or similar)
  • Email marketing platforms
  • Analytics tools (Google Analytics, etc.)
  • Cloud hosting and security providers

They are required to keep your information secure and confidential.

We do not sell your personal information.

6. Your Rights (GDPR/UK GDPR)

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

  • Access the information we hold about you
  • Request correction of inaccurate data
  • Request the deletion of your data
  • Object to specific uses of your data
  • Request restriction of processing
  • Request a copy of your data (data portability)
  • Withdraw consent for marketing at any time

You can request any of the above by emailing:
📧sylwia140@btinternet .com

7. Email Marketing & Communication

If you subscribe to our newsletter or create an account, we may send you:

  • Updates
  • Promotions
  • Product recommendations
  • Digital product launches

You may unsubscribe at any time using the link in our emails.

8. Children’s Privacy

While Smart Business Diva provides educational products for children, our website and checkout are intended for adults. We do not knowingly collect personal information from individuals under 16 without parental consent.

Parents/guardians may contact us to request deletion of their child’s data.

9. Digital Products & Account Access

When you purchase digital products, we may store:

  • Your purchase history
  • Your downloads
  • Your account details

This allows us to provide access to your items and support.

10. Data Retention

We retain personal data only for as long as necessary:

  • Purchase records: 6–7 years (legal requirement)
  • Email marketing data: until you unsubscribe
  • Account data: until account deletion
  • Analytics data: per tool provider (typically 14–26 months)

11. International Transfers

Your information may be processed outside your country depending on the location of our service providers.
All transfers comply with GDPR/UK GDPR requirements.

12. Links to External Sites

We may link to external websites.
We are not responsible for the privacy practices of those sites.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.
The updated version will be posted on this page with a revised date.

14. Contact Us

For questions or privacy requests, contact:

📧sylwia140@btinternet .com
🌐 www.SmartBusinessDiva.com

📘 **TERMS & CONDITIONS

Smart Business Diva**

Last updated: [ADD DATE]

Welcome to Smart Business Diva (“we”, “our”, “us”).
These Terms & Conditions govern your use of SmartBusinessDiva.com (the “Website”), and any digital products, courses, eBooks, or educational materials purchased through the Website (collectively, the “Services” or “Products”).

By visiting our Website or purchasing our Products, you agree to be bound by these Terms. If you do not agree, please do not use our Website.

1. About Us

Smart Business Diva
Website: www.SmartBusinessDiva.com
Emaisylwia140@btinternet .com

2. Eligibility & Use of Website

To use this Website, you must:

  • Be at least 18 years old
  • Have legal capacity to enter into contracts
  • Agree to use the Website only for lawful purposes
  • Not attempt to harm, hack, or misuse the Website

Parents or guardians may purchase children’s educational products on behalf of minors.

3. Digital Products & Licensing Terms

When you purchase a digital Product from Smart Business Diva, you are purchasing a license for personal use only.

You may NOT:

  • Share, sell, or distribute the files
  • Upload the content to other websites
  • Claim the content as your own
  • Use the Products for commercial resale
  • Alter or remove copyright notices

You may:

  • Download the digital files for personal use
  • Print materials for your own household or personal business
  • Use courses/eBooks to learn, develop skills, or assist your child’s education

All content remains the intellectual property of Smart Business Diva.

4. Pricing & Payment

All prices are listed on the Website.
We reserve the right to change prices at any time.

We accept payments through secure third-party providers such as:

  • Stripe
  • PayPal
  • [Other if applicable]

All transactions are encrypted.
We do not store full credit card information.

5. Order Confirmation & Delivery

After purchase, you will receive:

  • An order confirmation email
  • Instant access to your digital downloads (unless otherwise stated)
  • A link to your account dashboard if registered

If you do not receive access, email sylwia140@btinternet .com for support.

6. Refund Policy (Digital Downloads)

Because all products are digital and instantly accessible, we generally do not offer refunds once a file has been downloaded or accessed.

Exceptions may be made for:

  • Duplicate orders
  • Technical issues preventing access
  • Mistaken multiple charges

Refund requests can be sent to sylwia140@btinternet .com
We handle them case-by-case at our discretion.

7. User Accounts

When you create an account, you agree to:

  • Provide accurate information
  • Keep your login credentials private
  • Be responsible for all activity under your account

We may suspend or terminate accounts that violate these Terms or appear fraudulent.

8. Intellectual Property Rights

All Website content—including text, graphics, logos, videos, courses, eBooks, worksheets, and digital downloads—is owned by Smart Business Diva or licensed to us.

You agree not to:

  • Copy
  • Reproduce
  • Modify
  • Resell
  • Distribute

any part of our intellectual property without written permission.

9. Prohibited Activities

You may not:

  • Use the Website for unlawful purposes
  • Attempt to bypass security systems
  • Upload viruses, malware, or harmful code
  • Interfere with Website functionality
  • Copy product listings or content for commercial use
  • Misrepresent your identity

Violation may result in account termination and legal action.

10. Educational Content Disclaimer

Smart Business Diva provides educational content for adults and children.
We do not guarantee:

  • Business success
  • Financial outcomes
  • Academic results
  • Any specific performance improvements

All learning outcomes depend on individual factors.

Children’s educational materials should be used with adult supervision.

11. Website Availability & Changes

We do our best to ensure the Website is always available. However, we may:

  • Update content
  • Modify products
  • Perform maintenance
  • Change or suspend parts of the Website

without prior notice.

We are not liable for downtime or access issues.

12. Third-Party Links

Our Website may include links to external sites.
We are not responsible for:

  • Their content
  • Their security
  • Their privacy practices

Access external links at your own risk.

13. Limitation of Liability

To the fullest extent permitted by law:

  • We are not liable for indirect, incidental, or consequential damages
  • We are not liable for loss of profits, business, data, or personal injury
  • We do not guarantee results from using our Products

Your sole remedy for dissatisfaction with the Website is to stop using it.

14. Indemnification

You agree to indemnify and hold harmless Smart Business Diva from any claims arising from:

  • Your misuse of the Website
  • Your breach of these Terms
  • Your violation of any law or third-party rights

15. Governing Law

These Terms are governed by the laws of:

United Kingdom

Disputes will be resolved in the courts of that jurisdiction.

16. Changes to Terms & Conditions

We may update these Terms from time to time.
Changes take effect when posted on this page.

It is your responsibility to review this page periodically.

17. Contact Us

For questions about these Terms & Conditions, contact:

📧 sylwia140@btinternet .com
🌐 www.SmartBusinessDiva.com