Last Updated: October 8, 2025

 

PRIVACY POLICY

 

 

This Privacy Policy explains the privacy practices governing the types of information collected through the website (karenrossnow.com) (the “Site” or “Website”) owned and operated by Karen Ross Now (“Company”, “we”, “our” or “us”), our use of that information, and your privacy choices and rights.

This Privacy Policy applies to the information we collect from or about you from:

  • Your use of the Site;
  • Your signing up for a freebie and/or our email list through the Site (the “Email List”); and/or
  • Your creation of an account through the Site, if/when we make that feature available.

You must read this Privacy Policy carefully because when you use the Site, you are consenting to the collection, processing, and retention of your information as described in this Privacy Policy. If you have questions about the Privacy Policy, you can contact us at info[at]karenrossnow.com.

If you do not agree with any part of this Privacy Policy, you may not use the Site.

If you are in the European Economic Area, and you use this site, you consent and permit to the transfer of your data from the European Economic Area to the United States only for purposes laid out in this Privacy Policy.

I. Information We Collect

We collect information that falls into two categories: information you voluntarily provide, and information that your computer, mobile phone, tablet, or other device (all referred to as “Device”) or browser provides automatically.

A. Information You Voluntarily Provide

When you interact with our Site, we, or our service providers (acting on our behalf), collect “Personal Information” — information that relates to you as an identifiable individual — that you intentionally and actively provide to us, such as your first and last name, address, email address, and when necessary, credit card or bank information. We collect this information when you:

  • Inquire about our Site;
  • Create an account on our Site;
  • Send a communication through our Site;
  • Make a purchase through our Site; or
  • Sign up for an Email List or to receive our newsletter and/or advertisements or marketing emails from us.

We may collect content you make available through social media accounts or memberships with third parties if you choose to create an account using a social media login.

You can always choose not to provide us with information. However, if you do withhold information, we may deny you access to some or all of our website’s services and features.

Some transactions between you and our website may involve payment by credit card, debit card, checks, money orders, and/or third party online payment services. In such transactions, we will collect information related to the transaction as part of the course of doing business with you, including your billing address, telephone number, and other information related to the transaction.

List of Personal Information We May Collect From You:

Depending on how you communicate with us, we may collect the following information:

  • Your email address
  • Your first name
  • Your last name
  • Your phone number
  • Your payment information (if you make a purchase through the Website)

B. Information About You That Is Provided Automatically

Like most places on the Internet, simply by visiting our Website you or your Device automatically tell us certain information. This includes basic information such as your IP address, when you visited, the website from where you came prior to visiting us, the website where you go when you leave our website, your computer’s operating system, and the type of web browser that you are using. Our website automatically records this basic information about you.

And like many other websites, we may use cookies, digital fingerprinting (e.g. device, machine, and Internet browser fingerprints), web beacons, click redirects, pixel tags, container tags, and similar technologies. In plain English, this means information that our website’s server transfers to your computer. This information can be used to track your session on our website and to customize our website content for you as an individual. When you browse our Site, we also automatically receive your computer’s internet protocol (IP) address as well as other information that helps us learn about your browser and operating system (“Usage Information”).

Usage Information We Collect From You:

  • Your IP address;
  • Your Device type;
  • Your unique Device identifier;
  • Your location; and
  • The type of browser software and operating system you are using.

If you download or use mobile software applications (“Mobile Apps”) from our website, we may know your location. In addition, your Device using our Mobile Apps may provide us information about the device, including its unique identifier, make and model, operating system, mobile network carrier, and your telephone number. Your Device may have the ability to disable location services as well as deny us access to other information described in this paragraph. To learn more, check your Device’s user manual and/or contact your mobile device’s manufacturer or service carrier.

The Site may also feature social buttons from networks such as Facebook, Twitter, YouTube, Pinterest, and Instagram. To do so we embed code that they provide. We do not control that code ourselves. In order to function, their buttons generally know if you’re logged in. We do not have any access to that information, nor can we control how those networks use it.

If you access the Site via a mobile app, we use additional identifiers, such as the advertising ID provided by Apple or Android, for similar purposes.

C. Cookies and Other Data Tools

Cookies

We, and/or our third party service providers, use cookies (data files placed on a Device when it is used to visit our Site) and other identifiers to collect Usage Information, for security purposes, to enable you to use the Site, to collect information regarding your preferences, to allow you to share content via social media when you are logged in to a particular platform, to deliver relevant advertising to you, and to generally make the Site perform better.

For example, we may use a tool called Google Analytics to collect information about visitors’ use of this Site. Google Analytics collects information such as how often users visit this Site, how users find the Site, and what pages they visit. We use the information we get from Google Analytics to improve this Site. Although Google Analytics plants a permanent cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google. To opt-out of Google Analytics, please use Google’s opt-out tool: https://tools.google.com/dlpage/gaoptout.

Remarketing Tags and Pixels

This website may use a remarketing tag to advertise online. This means that Google and other third-party vendors may show our ads to you on sites across the Internet. These third-party vendors, including Google, may use cookies to serve ads to you based upon your past visits to our website.

Our website may use DoubleClick’s remarketing pixels. If you would like to opt out of DoubleClick’s use of cookies, you can visit the DoubleClick opt-out page at https://adssettings.google.com/authenticated?hl=en.

Web Beacons or Clear GIFs

The Site also may contain web beacons or clear GIFs, or similar technologies, which are small pieces of code placed on a web page or in an email, to monitor the behavior and collect data about the visitors viewing a web page or email. For example, web beacons may be used to count the users who visit a web page or to deliver a cookie to the browser of a visitor viewing that page. Web beacons may also be used to provide information on the effectiveness of our email campaigns (e.g., open rates, clicks, forwards, etc.).

Interest-Based Advertising

When you visit our website, you may view advertisements posted on the site by Google or other companies. These advertising companies may collect information about you while you are visiting this website and other websites. They may use this data to show you advertisements on this website and elsewhere on the Internet about products and services you might like.

This website does not collect the information or control the content of the advertisements that you will see. You may be able to opt out of such advertising.

  • If you are in the United States, you may opt out of some advertising via the Digital Advertising Alliance at http://www.aboutads.info/choices/
  • If you are in Canada, you may opt out of some advertising via the Digital Advertising Alliance of Canada at http://youradchoices.ca/
  • If you are in the European Union or the United Kingdom, you may opt out of some advertising via the European Interactive Digital Advertising Alliance at http://www.youronlinechoices.com/

To find out more about Google privacy policies and its DoubleClick DART cookie used to generate interest-based advertising, go to https://policies.google.com/technologies/ads.

Dynamic Ad Serving

Our Site may use Google’s Dynamic Ad Serving Feature. To opt out of interest-based ads by Google, follow Google’s opt-out instructions located at https://support.google.com/ads/answer/2662922?hl=en.

Your use of this website without opting out means that you understand and agree to data collection to provide you with interest-based advertising.

Opting Out of Cookies; Do-Not-Track

You can opt out of cookies, but if you do, some features of the Site may not work correctly. To learn how to reduce the number of cookies you receive or delete cookies that have already been installed in your browser’s cookie folder, you can check your browser’s help menu or other instructions related to your browser. We honor Do-Not-Track signals and similar mechanisms transmitted by web browsers.

If you would like to opt out of Google’s use of cookies, you can visit the company’s Ad Preferences Manager at https://adssettings.google.com/authenticated?hl=en.

You can opt out of the use of cookies by some third-party vendors by going to the Network Advertising Initiative’s opt-out page located at https://optout.networkadvertising.org/?c=1.

II. How We Use Your Information and What We Do With It

We use the Personal Information we collect about and from you:

To perform our responsibilities under a contract we have with you. For example:

  • To communicate with you about changes to the Website; and
  • If you submit a support ticket or make an inquiry through the Site, we will need to use your Personal Information in order to respond or troubleshoot.

When we have a legitimate interest to do so – in other words, when it supports and achieves the aims of the Company. For example:

  • To prevent fraud and protect the security of our Site;
  • To enforce our Terms of Use;
  • To communicate updates and improvements;
  • To develop and optimize our Site;
  • To resolve disputes;
  • To help us provide and operate the Site;
  • To advertise and market to you, which includes displaying targeted ads, offers and content made available to you based on your interests and usage of the Site;
  • To analyze the performance of the ads, offers and content on or originating from the Website, as well as your interaction with them; and
  • To comply with our legal obligations.

With your consent. For example:

  • We send marketing communications to you only if you consent to receive them; and
  • We do not share your Personal Information with third parties for their direct marketing purposes without your consent.

As otherwise required by applicable law. For example:

  • Protecting someone’s rights;
  • When necessary to perform a legal obligation or request from a governmental authority or similar body.

Some government intelligence agencies have the technological ability to access data from our website without our cooperation, knowledge, or consent. Even if we were to learn of such access, we may not be able to tell you because of national security laws. Please take this risk into account before supplying information to us or any other website owner.

Although we do not disclose individually identifiable information, we may disclose aggregate data about our website’s visitors to advertisers or other third parties for marketing and promotional purposes.

While we rely on your consent as a legal basis for collecting and processing your information, if you consent to a particular use of your information and you ultimately change your mind, you may withdraw your consent at any time by contacting us at info[at]karenrossnow.com or sending us physical mail at the address below.

If you no longer wish to receive email marketing communications, you may use the unsubscribe tool located at the bottom of that communication. If you withdraw your consent, we will not use your information going forward.

Automated Decision-Making and Artificial Intelligence

We may use automated processing, algorithms, or artificial intelligence tools to:

  • Personalize your experience on the Site;
  • Deliver targeted content and advertisements;
  • Analyze user behavior and preferences;
  • Improve our services and products.

When we use automated decision-making that produces legal effects or similarly significant effects concerning you, we will:

  • Inform you about the logic involved;
  • Explain the significance and potential consequences of such processing;
  • Provide you with an opportunity to request human intervention or contest the decision, where applicable under law.

III. How We May Share Your Information

A. Service Providers

We share your Personal Information with other service providers that we have engaged to perform business-related functions for us (“Service Providers”). This includes service providers that:

  • conduct research and analytics;
  • create content for Company;
  • provide customer, technical or operational support;
  • conduct or support marketing (such as email marketing platforms);
  • host the Site;
  • maintain databases;
  • send or support online advertising;
  • process payments and/or fulfill purchases;
  • provide artificial intelligence or machine learning services;
  • otherwise support or help us provide the Site.

These Service Providers may use your Personal Information to help us perform necessary actions that support those activities. If a supplier wants to collect information about you, you will be notified. However, you will never be required to give information to a third party supplier. We restrict the way third party suppliers can use your information. They are not allowed to sell or give your information to others.

B. Business Transfers

We will share your Personal Information if we are acquired or purchased by, or merge with, another company, or if we otherwise reorganize our business. However, if that happens, any acquirer of that information will be subject to the provisions of our commitments to you in this Privacy Policy.

C. Legal Disclosure or Governmental Request

We may transfer and disclose information, including your Personal Information, to third parties to comply with a legal obligation or subpoena, when we believe in good faith that the law requires it, at the request of governmental authorities conducting an investigation, to verify or enforce our Terms of Use, Privacy Policy or other applicable policies, to respond to an emergency, or otherwise to protect the rights, property, safety, or security of the Site, third parties, visitors to the Site, or the public. Some government intelligence agencies have the technological ability to access data from our website without our cooperation, knowledge, or consent. Even if we were to learn of such access, we may not be able to tell you because of national security laws. Please take this risk into account before supplying information to us.

D. Autoresponders

We may use your information with autoresponders in order to communicate with you by email. To protect your privacy, we use a verified opt-in system for such communications and you can always opt-out of such communications using the links contained in each autoresponder message. If you have difficulties opting out, you may contact us by sending an email to info[at]karenrossnow.com, or sending us mail to the address listed below.

IV. Your Privacy Choices, Rights, and Access

A. In General

You may always direct us not to share your Personal Information with third parties, not to use your Personal Information to provide you with information or offers, to delete information we have collected and maintained about you, or not to send you emails or other communications by:

  • sending us an email at info[at]karenrossnow.com; or
  • following the removal or unsubscribe instructions in the communication that you receive.

If you wish to verify, correct, or update any of your Personal Information collected through the Site, or request access to all information that we have collected and maintain about you, you may contact us at the email or address included in the Contact Us section below. In accordance with our routine record keeping, we may delete certain records that contain Personal Information that you have submitted through the Site. We are under no obligation to store such Personal Information indefinitely and disclaim any liability arising out of, or related to, the destruction of such Personal Information. In addition, you should be aware that it is not always possible to completely remove or delete all of your information from our databases without some residual data because of backups or other technology-related reasons.

B. For Individuals in the European Economic Area and United Kingdom

If you are in the European Economic Area or United Kingdom, you have certain rights related to the Personal Information we hold about you:

Access. You have the right to access the Personal Information we hold about you. If you wish to obtain a copy or description of the Personal Information we hold about you, please contact us using the contact details set out below. We may ask you to verify your identity and to provide further details about your request.

Accuracy/Rectification. We will do our best to ensure the Personal Information we retain about you is accurate. We may from time to time send you an email update to remind you to tell us about any updates or changes to your Personal Information. You have the right to request that any inaccurate Personal Information is corrected and any incomplete information is completed by contacting us using the contact details set out below.

Deletion/Erasure and Processing Restriction Requests. You have the right to request that we delete Personal Information that we hold about you. You also have the right to ask us to stop processing your Personal Information, subject to certain exceptions. If you would like us to erase or stop processing the Personal Information that we hold about you, please contact us using the contact details set out below.

Portability Requests. You have the right to request that we provide certain parts of your Personal Information to you or transmit it directly to another company that processes Personal Information. If you would like us to transfer your Personal Information, please contact us using the contact details set out below.

Withdrawing Your Consent to Receive Marketing Messages. You may ask us to stop using your Personal Information for advertising or marketing purposes at any time. If you wish to do this, please follow the removal instructions in any communication you receive or send us an email to info[at]karenrossnow.com with “UNSUBSCRIBE” in the subject line.

Damages. You may have the right to claim compensation for damages caused by our breach of any data protection laws.

In addition, if you are in the European Economic Area or United Kingdom and you have any complaints about how we use your Personal Information, you have the right to lodge a complaint with the data protection authority in your country. A list of data protection authorities is available at http://ec.europa.eu/newsroom/article29/item-detail.cfm?item_id=612080.

For further information on each of the above-mentioned rights, including the circumstances in which they apply, see the Guidance from the UK Information Commissioner’s Office (ICO) on individual rights under the General Data Protection Regulation.

The Site is governed by and operated in accordance with the laws of the United States. We make no representation that the Site is governed by or operated in accordance with the laws of any other nation. If you are located in the European Union, United Kingdom, Canada or elsewhere outside of the United States, please be aware that information we collect may be transferred to and processed in the United States. The laws of the United States may not protect the privacy of your information at the same level as provided by the laws of your country. We transfer and process Personal Information only as permitted under this Privacy Policy. Any voluntary response under the GDPR may only be made to the extent the GDPR does not conflict with applicable United States law, and are not a waiver of our legal rights and obligations under the laws of the USA or the arbitration provisions found within our website’s Terms and Conditions of Use.

C. Rights of U.S. State Residents

California Residents (CCPA/CPRA)

California residents have specific rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

  • Right to Know: You have the right to request information about the categories and specific pieces of personal information we have collected about you, the categories of sources from which we collected it, our business purposes for collecting it, and the categories of third parties with whom we share it.
  • Right to Delete: You have the right to request deletion of your personal information, subject to certain exceptions.
  • Right to Correct: You have the right to request correction of inaccurate personal information.
  • Right to Opt-Out of Sale/Sharing: While we do not sell personal information in the traditional sense, you have the right to opt-out of the sharing of your personal information for cross-context behavioral advertising.
  • Right to Limit Use of Sensitive Personal Information: You have the right to limit our use and disclosure of sensitive personal information.
  • Right to Non-Discrimination: You have the right not to receive discriminatory treatment for exercising your privacy rights.

Other U.S. States

Residents of Virginia, Colorado, Connecticut, Utah, Montana, Oregon, Texas, and other states with comprehensive privacy laws may have similar rights, including:

  • The right to confirm whether we process your personal data;
  • The right to access your personal data;
  • The right to correct inaccuracies in your personal data;
  • The right to delete your personal data;
  • The right to obtain a copy of your personal data;
  • The right to opt out of targeted advertising, sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects.

To exercise any of these rights, please contact us at info[at]karenrossnow.com or write us at the address below. We may need to verify your identity before processing your request.

Even though we may not have a legal obligation to do so in all cases, we strive to honor privacy requests from all users. However, voluntary responses are not a waiver of our legal rights and obligations under applicable United States laws or the arbitration provisions found within our website’s Terms and Conditions of Use.

D. Brazil Residents

If you reside in the Federative Republic of Brazil, you may have certain privacy rights under Brazil’s General Law on Protection of Personal Data, Lei Geral de Protecão de Dados Pessoais, Law No. 13,709/2018 (LGPD), to the extent the LGPD does not conflict with the laws of the USA. Even if we do not have a legal obligation to do so, we may respond to your requests made per the LGPD. However, voluntary responses are not a waiver of our legal rights and obligations under applicable United States laws or the arbitration provisions found within our website’s Terms and Conditions of Use.

V. Data Retention

We retain your Personal Information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

Specific Retention Periods:

  • Account Information: We retain information associated with your account until you request deletion, your account is deleted, or it is no longer necessary to provide services to you.
  • Marketing Communications: We retain your email address and communication preferences until you unsubscribe or request deletion.
  • Transaction Records: We retain transaction and payment information for [7 years] for accounting, tax, and legal compliance purposes.
  • Usage Data: We typically retain usage data and analytics for [2 years] unless required for longer periods by law.
  • Legal Holds: We will retain information for longer periods when required to comply with legal obligations, resolve disputes, prevent fraud, or enforce our agreements.

We will retain information from deleted accounts as necessary to comply with the law, prevent fraud, collect fees, resolve disputes, troubleshoot problems, assist with investigations, enforce our agreements, and take other actions permitted by law.

When Personal Information is no longer needed, we will securely delete or anonymize it in accordance with applicable laws and our data retention policies.

VI. A Note on Links to Other Websites and Your Voluntary Disclosure of Information to Third Parties

The Site may contain links to other websites, maintained by third parties. These links are provided only as a convenience to you. Company has no control over, and is not responsible for any content, products or services offered by or found on third party sites, or their privacy policies or practices. Links to third party sites do not constitute Company’s assumption of liability for or sponsorship, endorsement or approval of these sites or the content contained on these sites. The information practices on those websites may be different from ours and are not covered by this Privacy Policy. You may choose to provide information to website visitors or other third-parties who are not our suppliers. Please use caution when doing so and consult the privacy notices on those websites to learn more about their practices.

VII. Minors/Children

We do not knowingly collect information from children under 16 years of age. However, we may sell products to adults for use by children. Regardless of the intended end user of our products, only adults should purchase anything from our website. If a product we offer is legal only for adults to use or possess, no adult should purchase the product for illegal use or possession by a minor.

If we learn that a child under the age of 16 has provided us with any Personal Information without first receiving their parent or guardian’s verified consent, we will use that information only to respond directly to that child (or his or her parent or legal guardian) to inform the child that he or she cannot use the Site. We will then dispose of such Personal Information in accordance with this Privacy Policy.

If you believe we may have any information from or about a child under the age of 16, please contact us at info[at]karenrossnow.com.

VIII. Request to Access or Delete

If we grant your request to access personal data, we will: (1) confirm whether or not we are processing your personal data; (2) provide you with a copy of any of your personal data that we possess; and (3) provide you with information about how we process such data (e.g. purposes, categories, recipients, etc.).

If you request that we delete your personal data that we possess, we will do so unless: (1) the data is needed to exercise the right of freedom of expression; (2) we have a legal obligation to keep the data; (3) we must keep the data for reasons of public interest; or (4) the data has been processed so that it is anonymized.

Any personal data we processed unlawfully will be deleted. If you were a minor when we collected the personal data, we will delete the data upon request.

If we believe any third parties have acquired your personal data through us, we will take reasonable steps to inform them that you have requested erasure of such data.

If your request is an objection to the processing of your personal data for direct marketing purposes, we will cease using your data for such purposes.

As a general rule, we will comply with objections to processing personal data except: (1) where it is not technically or commercially feasible to do so; or (2) we have a legal obligation that overrides your individual rights and freedoms.

If we collected personal data from you because of a contract between us or based on your consent, and we processed that data by automated means (in structured machine-readable format), you can request that data be transmitted by us to another company or organization.

We will provide such data to the recipient third party in a commonly used open format electronic file (e.g. CSV, JSON, XML, etc.).

Note: If you request that data we maintain about you be deleted or erased, no one (neither us nor you) will be able to recover that information later.

Data-Related Decisions and Processing

Rejection

If we reject your request, we will provide you with the reason(s) for doing so. You may then choose to file a complaint with the Data Protection Authority and request a judicial remedy to the extent such a request is not in conflict with the laws of California and USA or the arbitration provisions of our website’s Terms and Conditions of Use.

Fees

As a general rule, there is no fee for processing your request. However, we reserve the right to refuse your request or charge a reasonable fee for processing it if the request is manifestly unfounded or excessive. For example, it would be excessive to make a repetitive second request to access your personal data one month after we provided you with the data from a prior request.

Response Time

We will respond to verified requests within the timeframes required by applicable law, typically within 30-45 days of receipt.

IX. Security: We Cannot Guarantee the Security of the Site

We take seriously our obligation to safeguard the confidentiality, security and integrity of personal information collected from our users. The Site uses an SSL (or secure sockets layer) certificate, which provides secure, encrypted communications between a website and internet browser. We also have appropriate security measures in place to prevent Personal Information from being accidentally lost or used or accessed in an unauthorized way, including:

  • Encryption of data in transit and at rest where appropriate;
  • Two-factor authentication for account access;
  • Regular security assessments and updates;
  • Limited access to Personal Information on a need-to-know basis;
  • Training for employees on data protection and security.

You should be aware, however, that no system is completely secure from hackers, network failure and error, and we cannot guarantee the confidentiality, security and integrity of information maintained on our Site for that reason.

In other words, although we will use all reasonable efforts to safeguard the confidentiality of your Personal Information, we cannot guarantee that your information will always be secure.

Email is not a secure form of communication. Please do not send us your credit card number, social security number or other sensitive Personal Information via email.

We will notify you and any applicable regulator of a suspected data security breach where we are legally required to do so, typically within 72 hours of becoming aware of the breach.

X. International Data Transfers

If you are accessing the Site from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located and our central database is operated. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country.

We take appropriate safeguards to ensure that your Personal Information remains protected in accordance with this Privacy Policy when transferred internationally, including through the use of standard contractual clauses approved by the European Commission where applicable.

XI. Changes

We may update and post revisions to this Privacy Policy from time to time and will update the “Last Updated” date at the top of this document when we do so. If our Privacy Policy changes in a way that significantly affects how we handle your Personal Information, we will not use the Personal Information we currently maintain without providing you notice or obtaining your consent, where appropriate. We encourage you to review this page periodically for the latest information about our privacy practices.

By continuing to use the Site after changes to this Privacy Policy go into effect, you are agreeing to be legally bound by the revised policy. For material changes, we will provide notice through the Site or via email at least 30 days before the changes take effect.

XII. Contact Us

If you have any questions or concerns about this Privacy Policy or wish to exercise your privacy rights, please contact us:

By Email: info[at]karenrossnow.com

By Mail:
 Karen Ross Now
 [Complete Street Address]
 Chicago, Illinois 60611
 USA

Response Time: We will respond to your inquiry within [30] business days.

XIII. This Policy and Customer Agreements

If you are our customer, any customer agreement between us supersedes this policy to the extent there is any conflict with the terms and conditions of the customer agreement.