Owner Advisor Privacy Policy

This Privacy Policy explains how Haven Meridian, Inc., a Delaware corporation ("Haven," "we," "us," or "our"), collects, uses, discloses, stores, and protects information in connection with owner-advisor.com ("OwnerAdvisor"), Business Guides, Business Owner FAQ, Monthly Business Guidance, Snapshot, Signal, Owner Advisor, related reports, tools, worksheets, communications, software, subscriptions, digital products, beta products, future products, and other services.

OwnerAdvisor is a branded website and product family operated by Haven Meridian, Inc. When this Privacy Policy refers to OwnerAdvisor, it refers to owner-advisor.com and the related branded products, services, content, tools, reports, and communications offered through or in connection with that website. Haven Meridian, Inc. is the entity responsible for this Privacy Policy.

By using OwnerAdvisor, you acknowledge this Privacy Policy. If you do not agree with this Privacy Policy, do not use OwnerAdvisor.

1. Scope of This Privacy Policy

This Privacy Policy applies to information collected through OwnerAdvisor and related services. It does not apply to websites, services, or platforms operated by third parties, even if we link to them, embed them, integrate with them, recommend them, or use them to provide services.

Some third-party services, such as payment processors, analytics providers, email platforms, hosting providers, AI providers, affiliate/referral platforms, video platforms, or embedded content providers, may collect information under their own privacy policies.

This Privacy Policy does not create a contract for professional advice. OwnerAdvisor is a business education and decision-support service, not a legal, tax, accounting, financial-planning, medical, mental-health, therapy, counseling, insurance, employment-law, regulatory, or other licensed professional service.

2. Information We May Collect

We may collect the following categories of information, depending on how you use OwnerAdvisor.

Account and contact information:

• name;
• email address;
• business name;
• account login information;
• phone number if provided;
• mailing or billing address if provided;
• communication preferences.

Business information:

• industry, business type, services, products, location, size, stage, team, revenue range, cost concerns, pricing concerns, goals, workload, cash pressure, marketing channels, hiring plans, operations, business challenges, and other business context you provide;
• intake answers for Snapshot, Signal, Owner Advisor, or future services;
• documents, notes, worksheets, or other materials you choose to upload or submit;
• feedback, support messages, and product requests.

Payment and transaction information:

• purchase history;
• subscription status;
• payment confirmation details;
• billing contact information;
• refund/cancellation records.

We use payment processors to process payments. We do not intend to store full payment card numbers on our own systems.

Usage, device, and technical information:

• IP address;
• browser type;
• device type;
• operating system;
• pages viewed;
• referring pages or links;
• time and date of visits;
• clickstream data;
• form interactions;
• approximate location inferred from IP address;
• analytics and performance data;
• cookies, pixels, and similar tracking technologies.

Email and marketing information:

• email signup status;
• topics selected in forms;
• email opens, clicks, unsubscribe actions, and preferences;
• campaign source, referral source, affiliate source, and landing page source;
• responses to surveys, polls, or questions.

Affiliate, referral, and partner information:

• referral codes;
• affiliate links or identifiers;
• referring partner or creator;
• conversion and commission-related records;
• partner communications.

AI, report, and output information:

• prompts, questions, intake answers, chat messages, report inputs, and related user-provided context;
• generated outputs, summaries, reports, suggested recommendations, follow-up questions, and related product logs;
• memory, profile, and preference records where applicable;
• quality assurance, audit, safety, and error logs.

Information from other sources:

• information from service providers, security tools, fraud-prevention tools, payment processors, analytics providers, affiliate/referral systems, marketing tools, or publicly available sources;
• information from partners or creators if they refer you to OwnerAdvisor or participate in a campaign, referral program, or affiliate program.

3. Sensitive Information

OwnerAdvisor is intended for business guidance and decision support. You should avoid submitting sensitive personal information unless it is specifically requested and necessary for the service.

Sensitive information may include Social Security numbers, government ID numbers, detailed medical information, mental-health information, information about children, bank account numbers, full payment card numbers, precise geolocation, biometric information, passwords, highly confidential third-party information, or sensitive legal/tax documents.

If you submit sensitive information anyway, we may process it as part of providing or securing the service, but we do not encourage submission of unnecessary sensitive information. We do not intend to process sensitive personal information for the purpose of inferring characteristics about you.

4. How We Use Information

We may use information to:

• provide, operate, analyze, maintain, and improve OwnerAdvisor;
• create, deliver, and improve Business Guides, Snapshot, Signal, Owner Advisor, reports, outputs, tools, worksheets, and related services;
• process purchases, subscriptions, cancellations, refunds, and billing;
• create and maintain accounts;
• personalize content, guidance, reports, and product experience;
• preserve business context and memory where applicable;
• respond to support requests, questions, and feedback;
• send Monthly Business Guidance, product updates, marketing communications, and transactional messages;
• promote Haven products and services, subject to your choices and applicable law;
• track affiliate, referral, and partner activity;
• analyze website performance, product usage, content performance, campaign performance, and marketing effectiveness;
• conduct quality assurance, safety review, debugging, logging, fraud prevention, and security monitoring;
• protect the rights, safety, property, and security of Haven, users, and others;
• comply with legal obligations and enforce our Terms of Use;
• develop new features, services, products, and business improvements;
• aggregate or de-identify information so it no longer identifies you and use it for analytics, product improvement, research, or business planning. We intend to maintain and use de-identified information in de-identified form unless otherwise permitted or required by law.

5. AI Processing and Automated Systems

Some OwnerAdvisor services may use artificial intelligence, automation, structured analysis, templates, model-generated outputs, or other software-assisted processes. Information you submit may be processed by AI systems or service providers to generate reports, summaries, recommendations, questions, or other outputs.

We may use AI-related logs and outputs for quality assurance, safety monitoring, troubleshooting, product improvement, internal evaluation, and misuse prevention, subject to applicable law and our internal policies.

AI/model providers, cloud infrastructure providers, and other service providers may process information on our behalf to help provide the services. We may provide additional vendor or subprocessor information where required by law, contract, or a customer's applicable rights.

AI outputs may be incomplete, inaccurate, outdated, or inappropriate for your specific situation. Information processing by AI does not change the fact that OwnerAdvisor is a business-decision support service and not a professional advisor.

If an output contains inaccurate information about you or your business and you want to request correction, deletion, or review of that information, contact us using the privacy contact information below. We will consider the request based on applicable law, our technical capabilities, legitimate business needs, and product-safety requirements.

6. Cookies, Analytics, and Tracking Technologies

We may use cookies, pixels, local storage, tags, analytics tools, and similar technologies to:

• operate the website;
• remember preferences;
• improve performance;
• understand traffic and usage;
• measure content and campaign effectiveness;
• support affiliate/referral tracking;
• improve marketing and product decisions;
• prevent fraud and protect security.

You may be able to control cookies through your browser settings. Blocking cookies may affect website functionality.

Our Cookie Policy, available at https://owner-advisor.com/cookies, provides additional information about cookies and similar technologies. We may make a cookie preference tool, privacy preference center, or similar control available. Where required by applicable law, we will seek consent before using non-essential cookies or will honor applicable opt-out signals, preference settings, or browser-based privacy controls.

If we later use advertising pixels, retargeting tools, cross-context behavioral advertising, or targeted advertising, we will update this Privacy Policy and provide any opt-out choices required by applicable law.

Some privacy laws may require recognition of browser-based opt-out preference signals or universal opt-out mechanisms where applicable and technically feasible. We will address such signals if and when required by applicable law and supported by the technologies we use.

7. How We Share Information

We may disclose information in the following circumstances.

Service providers and vendors:

We may disclose information to vendors, service providers, contractors, and professional advisors who help us operate, provide, secure, analyze, support, and improve OwnerAdvisor, including hosting providers, cloud storage providers, AI/model providers, analytics providers, payment processors, email platforms, form providers, customer support tools, affiliate/referral platforms, security and monitoring providers, accountants, attorneys, and consultants. These parties may access, process, or store information to perform services for us.

Payment processors:

Payment information may be processed by third-party payment providers. We do not intend to store full payment card numbers on our systems.

Affiliate, referral, partner, and marketing systems:

We may process and disclose referral codes, affiliate identifiers, conversion data, commission records, campaign data, and related tracking information to manage referral, affiliate, creator, partner, or marketing programs.

Legal, safety, and compliance:

We may disclose information if we believe disclosure is necessary to comply with law, legal process, government requests, enforce our Terms, protect rights or safety, prevent fraud, investigate abuse, address security issues, or protect against legal liability.

Business transfers:

If Haven is involved in a merger, acquisition, financing, reorganization, sale of assets, bankruptcy, receivership, transition of service to another provider, or similar transaction, information may be disclosed during diligence and transferred as part of that transaction, subject to appropriate protections where required.

With your direction or consent:

We may disclose information when you direct us to do so or consent to sharing.

Aggregated or de-identified information:

We may disclose aggregated or de-identified information that does not identify you, such as website trends, product usage, or content performance.

8. Sale, Sharing, Targeted Advertising, and Opt-Out Choices

Haven does not intend to sell personal information in the traditional sense of exchanging personal information for money.

Some privacy laws define “sale,” “sharing,” “targeted advertising,” or “cross-context behavioral advertising” broadly and may treat certain analytics, affiliate tracking, advertising pixels, retargeting, or marketing technologies as a sale, sharing, or targeted advertising. If we use technologies that create such obligations, we will provide any required notices and opt-out mechanisms.

Depending on applicable law and our practices at the time, you may have the right to opt out of:

• sale of personal information;
• sharing of personal information;
• targeted advertising or cross-context behavioral advertising;
• certain profiling or automated decision-making that produces legal or similarly significant effects.

You may submit opt-out requests by contacting us at privacy@owner-advisor.com or using any opt-out link or preference tool we make available. If applicable law requires a “Do Not Sell or Share My Personal Information” link, cookie preference center, or recognition of an opt-out preference signal, we will implement the required mechanism.

9. Data Retention

We retain information for as long as reasonably necessary to provide services, operate the business, comply with legal obligations, resolve disputes, enforce agreements, maintain records, improve products, and protect safety and security.

Different types of information may be retained for different periods, including:

• account and billing records retained for legal, tax, accounting, chargeback, and fraud-prevention purposes;
• reports, intake answers, memory, and business context retained while needed to provide services, preserve continuity, support customer access, and maintain product quality;
• email marketing records retained until you unsubscribe or request deletion, subject to suppression-list requirements;
• logs retained for security, audit, debugging, QA, abuse prevention, and product improvement purposes;
• backup copies retained for a limited period according to backup practices;
• records of privacy requests retained to verify compliance and prevent repeated misuse.

If you cancel a paid subscription, we may retain certain account, billing, report, memory, log, and business-context information unless and until it is deleted according to applicable law, our deletion process, or a retention schedule. Cancellation does not automatically delete all information.

If you request deletion, we will remove or de-identify eligible personal information within a reasonable time and according to applicable law, unless we need to retain it for legal, security, accounting, fraud-prevention, dispute-resolution, product-safety, backup, or legitimate business reasons.

10. Data Controls and Privacy Requests

Depending on where you live and applicable law, you may have rights to request access to, correction of, deletion of, or information about certain personal information. You may also have rights to obtain a portable copy of certain information, withdraw consent where consent is the basis for processing, restrict certain processing, appeal a denial of a privacy request, or opt out of certain sale, sharing, targeted advertising, or profiling activities.

You may submit privacy requests by contacting us at: privacy@owner-advisor.com.

We may need to verify your identity before fulfilling certain requests. Verification may require information sufficient to confirm that you are the person whose information is the subject of the request or that you are authorized to act on that person’s behalf.

You may authorize another person or entity to submit a request on your behalf where permitted by law. We may require proof of authorization and may still ask you to verify your identity directly where permitted.

We may deny or limit requests where permitted by law, including where retention is needed for legal, security, accounting, dispute, fraud-prevention, product-integrity, audit, or operational reasons.

11. California and Other U.S. State Privacy Disclosures

Some U.S. state privacy laws require specific disclosures. This section provides additional information about categories of personal information we may collect, how we use them, and how we may disclose them. This section is intended to apply where required by applicable law, including California privacy law and similar state laws.

Categories of personal information we may collect:

• identifiers, such as name, email address, account identifiers, IP address, device identifiers, and contact information;
• commercial information, such as purchase history, subscription status, transaction records, and refund/cancellation records;
• internet or electronic network activity information, such as log data, usage data, pages viewed, device data, and interactions with the website;
• geolocation information, such as approximate location inferred from IP address;
• professional or business information, such as business name, industry, role, business goals, business challenges, and business context you provide;
• user content and business context, such as prompts, intake answers, uploaded materials, chat messages, report inputs, generated outputs, and support communications;
• inferences or derived information, such as preferences, selected topics, likely business-interest areas, product-fit indicators, or memory/profile records created to support the service;
• sensitive personal information, if you choose to provide it, though OwnerAdvisor is not intended for unnecessary sensitive personal information.

Sources of personal information:

• you;
• your use of OwnerAdvisor;
• your device or browser;
• payment processors, analytics providers, affiliate/referral platforms, marketing tools, security vendors, service providers, and other partners;
• publicly available sources or other sources where permitted by law.

Business or commercial purposes for use:

• providing, analyzing, maintaining, securing, and improving OwnerAdvisor;
• delivering reports, outputs, guidance, tools, and communications;
• processing payments and managing subscriptions;
• personalization and product memory;
• marketing, email communication, referrals, affiliate tracking, and campaign measurement;
• fraud prevention, abuse prevention, security, debugging, and legal compliance;
• product development, internal analytics, and de-identified or aggregated analysis.

Categories of parties to whom we may disclose personal information:

• service providers, vendors, contractors, and professional advisors;
• payment processors;
• AI/model providers and cloud infrastructure providers;
• email, analytics, security, hosting, support, form, and affiliate/referral platforms;
• affiliates, successors, or parties involved in business transfers;
• government authorities or other third parties where required or permitted by law;
• third parties with your direction or consent.

Inferences and derived information:

Inferences or derived information we create are used to support the services you use, improve product quality, personalize your experience, preserve business context, and help OwnerAdvisor provide more relevant business-decision support. We do not use inferences or derived information to make automated decisions with legal or similarly significant effects on you without human review where applicable law requires it.

Sensitive personal information:

We do not intend to use sensitive personal information for the purpose of inferring characteristics about you. If we collect sensitive personal information because you provide it, we use it only as reasonably necessary to provide, secure, support, or improve the services; comply with law; prevent misuse; or as otherwise permitted by applicable law.

Privacy rights:

Depending on applicable law, you may have the right to know or access categories and specific pieces of personal information, correct inaccurate personal information, delete personal information, receive a portable copy of personal information, opt out of sale or sharing, opt out of targeted advertising, limit certain uses of sensitive personal information, and appeal certain decisions.

Non-discrimination:

We will not discriminate against you for exercising privacy rights. This means we will not deny goods or services, charge different prices, provide a different level or quality of service, or retaliate against you because you exercised a privacy right, except as permitted by applicable law.

Opt-out of sale/sharing/targeted advertising:

If we engage in activity that applicable law treats as selling or sharing personal information or targeted advertising, you may opt out by using the method we provide, such as privacy@owner-advisor.com, a privacy preference tool, or a “Do Not Sell or Share My Personal Information” link if required.

Appeals:

If applicable law gives you a right to appeal our decision on a privacy request, you may submit an appeal by replying to our decision or contacting us at privacy@owner-advisor.com with “Privacy Appeal” in the subject line.

12. Gated Download Requests

When you request an email-gated workbook, planner, or worksheet, we use the email address you provide to send the requested download link through an email service provider. Optional marketing email is separate from the download request and requires your affirmative consent. Requesting a download does not enroll you in marketing email.

We keep privacy-minimized request records, such as a hashed email address, the requested asset, consent choice, and request time, to deliver downloads, prevent abuse, and support operational records. Your email address is provided to our email service provider as needed to deliver the requested message and, only when you affirmatively opt in, to record and manage your marketing subscription. We do not use the download request itself as marketing consent.

Download links are signed and generally expire after 72 hours. Haven request records may be retained for up to 730 days unless a different retention period is required or permitted for legal, security, fraud-prevention, or operational reasons. Provider records and suppression handling may also apply under the email service provider's practices. You can unsubscribe from marketing emails using the unsubscribe link in the email or by contacting us. To request deletion or ask about these records, contact privacy@owner-advisor.com.

13. Email Marketing

If you sign up for Monthly Business Guidance, product updates, downloads, waitlists, or other communications, we may send you educational, promotional, and transactional messages.

You can unsubscribe from marketing emails using the unsubscribe link in the email or by contacting us. We may still send transactional, account, billing, security, or service-related messages where permitted by law.

14. Children and Age Limits

OwnerAdvisor is intended for adults and business owners. It is not directed to children under 13, and we do not knowingly collect personal information from children under 13.

The age-13 reference above describes our compliance posture for children’s personal information. To use paid services, create an account, submit business intake information, or enter into a binding agreement with Haven, you must be at least 18 years old, or the age of majority where you live, whichever is higher.

If we learn that we have collected personal information from a child under 13 without appropriate consent, we will take reasonable steps to delete it.

15. Security

We use commercially reasonable administrative, technical, and organizational measures designed to protect information from loss, misuse, unauthorized access, disclosure, alteration, and destruction. No Internet or email transmission is ever fully secure or error-free, and no security measure is perfect.

If we become aware of a security incident affecting personal information that requires notification under applicable law, we will notify affected users and applicable authorities as required. The method and timing of notice will depend on the nature of the incident and applicable law.

You should take care in deciding what information you provide to OwnerAdvisor. You are responsible for protecting your account credentials, using strong passwords, and notifying us of unauthorized access.

We are not responsible for circumvention of privacy settings or security measures on third-party websites, platforms, or services.

16. International Users

OwnerAdvisor is operated from the United States. If you access the services from outside the United States, your information may be processed in the United States or other jurisdictions that may have different privacy laws than your location.

Where required by law, transfers of personal information will be made using legally valid transfer mechanisms.

17. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Updated versions will be posted with a revised “Last Updated” date.

If changes materially affect how we process information, we may provide additional notice where required or appropriate.

18. Contact

Questions, privacy requests, appeals, or requests about this Privacy Policy may be sent to:

Haven Meridian, Inc.

4900 Copper Creek Trail

Kannapolis, North Carolina 28081

privacy@owner-advisor.com

https://owner-advisor.com