Privacy Policy

Effective Date: March 6, 2026
Last Updated: June 28, 2026

JM Consulting and Publication (“Company,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you may provide when using our website, digital materials, publications, products, services, newsletters, and related offerings.

This Privacy Policy explains how we collect, use, store, disclose, and safeguard information when you visit www.jmconsultingandpublication.com (the “Site”), interact with our content, subscribe to our mailing list, download free or paid materials, purchase products, access digital resources, communicate with us, or otherwise engage with JM Consulting and Publication.

By accessing or using the Site, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with this Privacy Policy, you should discontinue use of the Site.

1. Scope of This Privacy Policy

This Privacy Policy applies to information collected through the Site and through related interactions with JM Consulting and Publication, including but not limited to:

Website visits.
Contact forms.
Newsletter signups.
Email communications.
Free downloads.
Paid digital products.
Memberships or restricted-access content, if offered.
Book, publication, or product-related interactions.
Consultation or service inquiries, if offered.
Affiliate, advertising, analytics, or promotional interactions.
Communications sent directly to us.

This Privacy Policy does not apply to third-party websites, platforms, payment processors, booksellers, social media platforms, retailers, or services that we do not own or control.

2. Information We Collect

We may collect information directly from you, automatically through your use of the Site, and through third-party platforms or service providers.

A. Information You Provide Voluntarily

We may collect personal information you choose to provide, including but not limited to:

Name.
Email address.
Phone number.
Mailing address, if applicable.
Billing-related information submitted through third-party checkout or sales platforms.
Information submitted through contact forms.
Information submitted through newsletter signups.
Information submitted through free download forms.
Information submitted through purchase forms.
Information submitted through consultation or service inquiries.
Information submitted through surveys, feedback forms, testimonials, reviews, or comments.
Any other information you voluntarily provide in communications with us.

You are responsible for ensuring that any information you provide is accurate, current, and complete.

B. Information Collected Automatically

When you visit or interact with the Site, certain information may be collected automatically, including but not limited to:

IP address.
Browser type.
Device type.
Operating system.
Referring website.
Pages viewed.
Links clicked.
Files downloaded.
Time spent on pages.
Dates and times of visits.
General location information based on IP address.
Clickstream data.
Usage data.
Performance data.
Diagnostic information.
Other technical or analytical information.

This information may be collected through cookies, pixels, web beacons, tags, analytics tools, server logs, embedded content, or similar technologies.

C. Cookies and Similar Technologies

We may use cookies, pixels, tags, web beacons, local storage, and similar technologies to:

Help the Site function properly.
Remember user preferences.
Improve website performance.
Understand how visitors use the Site.
Measure traffic, engagement, and conversions.
Analyze the effectiveness of content, emails, advertisements, or promotions.
Support affiliate, advertising, analytics, or marketing functions.
Improve user experience.
Protect against fraud, abuse, or security issues.

You may adjust your browser settings to refuse, disable, or delete cookies. However, disabling cookies may affect the functionality, availability, or performance of certain Site features.

D. Information From Third-Party Platforms

If you interact with us through third-party platforms, those platforms may collect and share certain information with us according to their own privacy policies and terms.

These platforms may include, but are not limited to:

Website hosting providers.
Email marketing platforms.
Payment processors.
Online checkout platforms.
Booksellers and retailers.
Amazon, Kindle Direct Publishing, Audible, or other publishing platforms.
Digital product delivery platforms.
Scheduling tools.
Analytics providers.
Advertising networks.
Affiliate platforms.
Social media platforms.
Customer communication tools.
Security or fraud-prevention providers.

We do not control the privacy practices of third-party platforms.

3. Sensitive Information

We do not intentionally request or require sensitive personal information unless necessary for a specific purpose and voluntarily provided by you.

Sensitive information may include information such as government identification numbers, financial account credentials, health information, precise geolocation, racial or ethnic origin, religious beliefs, political opinions, biometric information, or other sensitive categories protected by applicable law.

You should not submit sensitive personal information through the Site unless specifically requested and necessary for the relevant interaction.

4. Payment Information

Purchases may be processed through third-party payment processors, checkout providers, retailers, or external sales platforms.

We generally do not directly collect, store, or process full credit card numbers, debit card numbers, banking credentials, or other sensitive payment details. Payment information submitted through third-party processors is governed by the privacy policies, security practices, and terms of those third-party providers.

We may receive limited purchase-related information, such as:

Name.
Email address.
Product purchased.
Order date.
Transaction confirmation.
Payment status.
Delivery or access information.
Refund, chargeback, or dispute-related information.

This information may be used to confirm purchases, provide access, maintain records, prevent fraud, respond to disputes, and enforce our policies.

5. How We Use Information

We may use collected information for legitimate business, operational, educational, marketing, legal, and security purposes, including but not limited to:

Operating, maintaining, and improving the Site.
Providing access to content, downloads, products, newsletters, publications, memberships, or services.
Responding to inquiries, requests, messages, or customer support needs.
Sending newsletters, updates, announcements, promotions, educational content, and information about books, publications, digital products, services, or future offerings.
Processing, confirming, supporting, or documenting transactions.
Delivering free or paid digital materials.
Directing users to third-party platforms for purchases, downloads, subscriptions, services, or other interactions.
Monitoring and analyzing traffic, usage, trends, and Site performance.
Improving content quality, website design, user experience, and business operations.
Personalizing user experience where applicable.
Measuring the effectiveness of marketing, email campaigns, advertisements, promotions, or affiliate links.
Detecting, preventing, or addressing fraud, abuse, chargeback misuse, unauthorized access, security threats, technical problems, or violations of our policies.
Enforcing our Terms and Conditions, Refund Policy, Website Disclaimer, and other legal policies.
Maintaining business, tax, accounting, transaction, and legal records.
Complying with applicable laws, regulations, legal processes, or governmental requests.
Protecting our rights, property, safety, business interests, users, and the public.

6. Email Communications

If you subscribe to our email list, download free content, make a purchase, request information, submit a form, or otherwise opt in to receive communications, we may send you emails related to:

Newsletters.
Educational content.
Book updates.
Product announcements.
Digital resources.
Promotional offers.
Website updates.
Business updates.
Service-related messages.
Transaction confirmations.
Administrative notices.
Legal or policy updates.

You may unsubscribe from marketing emails at any time by using the unsubscribe link included in applicable emails or by contacting us at info@jmconsultingandpublication.com.

Please note that even if you unsubscribe from marketing communications, we may still send transactional, legal, security, administrative, or purchase-related messages where permitted by law.

7. How We Share Information

We do not sell your personal information for money.

We may share information in the following circumstances:

A. Service Providers and Vendors

We may share information with third-party vendors, contractors, platforms, and service providers that help us operate the Site or our business, including but not limited to:

Website hosting providers.
Email marketing platforms.
Analytics providers.
Payment processors.
Digital product delivery platforms.
Scheduling tools.
Customer communication tools.
Advertising or affiliate platforms.
Fraud prevention and security providers.
Cloud storage or file-hosting providers.
Professional advisors, including legal, accounting, business, or technical advisors.

These third parties may process information according to their own terms, privacy policies, contractual obligations, and legal requirements.

B. Third-Party Transactions and Platforms

If you purchase a book, digital product, membership, download, service, or other offering through a third-party platform, your transaction may be handled by that third party.

In such cases, your information may be subject to the third party’s own privacy policy, refund policy, terms of use, payment practices, delivery practices, and customer service procedures.

JM Consulting and Publication is not responsible for the privacy, security, payment, refund, delivery, or business practices of third-party platforms.

C. Legal Compliance and Protection

We may disclose information if we believe it is necessary or appropriate to:

Comply with applicable law, regulation, subpoena, court order, legal process, or governmental request.
Protect and defend our rights, property, business, or legal interests.
Investigate suspected fraud, misconduct, unauthorized activity, security threats, or policy violations.
Protect the safety, rights, or property of users, the Company, or the public.
Enforce our Terms and Conditions, Refund Policy, Website Disclaimer, or other legal policies.
Respond to payment disputes, chargebacks, or claims.

D. Business Transfers

If JM Consulting and Publication is involved in a merger, acquisition, sale, transfer, financing, reorganization, bankruptcy, change in ownership, or similar business transaction, user information may be transferred as part of that transaction.

8. Affiliate Links, Advertising, and Promotional Relationships

The Site may contain affiliate links, advertising, sponsored content, referral links, promotional materials, or product recommendations.

If you click such links or make purchases through them, we may receive compensation at no additional cost to you.

Affiliate, advertising, or promotional relationships may involve tracking technologies, cookies, pixels, links, analytics tools, or third-party data collection. Your interaction with those links or platforms may be subject to the applicable third party’s privacy policy and terms.

We are not responsible for the privacy practices, tracking practices, or data handling of third-party advertisers, affiliate networks, retailers, or promotional partners.

9. Analytics and Website Performance

We may use analytics tools to understand how visitors interact with the Site.

Analytics tools may collect information such as:

Pages visited.
Time spent on pages.
Links clicked.
Device and browser information.
Referring websites.
General location based on IP address.
Traffic sources.
User behavior patterns.

This information helps us improve the Site, understand audience interests, measure content performance, and improve user experience.

10. AI-Assisted Content and Tools

Some content, images, summaries, articles, examples, explanations, resources, or other materials on the Site may be created, edited, enhanced, organized, or supported with the assistance of artificial intelligence tools.

We may use AI tools for business, writing, editing, research organization, marketing, website development, or content-improvement purposes.

We make reasonable efforts to avoid submitting sensitive personal information to AI tools unless necessary for a requested purpose or otherwise permitted. However, if you voluntarily provide information to us, that information may be processed through tools or service providers used to operate or improve our business, subject to applicable privacy policies and terms.

AI-assisted content should not be interpreted as professional advice and should be independently reviewed before being relied upon.

11. Data Retention

We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, including but not limited to:

Providing requested content, products, communications, or services.
Maintaining business, tax, accounting, transaction, and legal records.
Responding to inquiries, disputes, chargebacks, or support requests.
Enforcing agreements and legal policies.
Complying with legal obligations.
Preventing fraud, abuse, unauthorized access, or security issues.
Protecting our legal rights and business interests.
Maintaining mailing list records, unless you unsubscribe or request removal where applicable.

Retention periods may vary depending on the type of information, the purpose for collection, legal requirements, operational needs, and dispute-resolution requirements.

12. Data Security

We use reasonable administrative, technical, and organizational measures designed to help protect personal information from unauthorized access, disclosure, misuse, alteration, loss, or destruction.

However, no method of transmission over the internet, electronic communication, or digital storage is completely secure. We cannot guarantee absolute security of any information transmitted to us, stored by us, or processed by third-party providers.

You use the Site and provide information at your own risk.

13. Your Choices

You may choose not to provide certain information, but doing so may limit your ability to use certain Site features, receive communications, access downloads, complete purchases, request support, or interact with us.

You may also:

Unsubscribe from marketing emails.
Adjust browser settings to manage cookies.
Decline to submit optional forms.
Contact us to request updates, corrections, or deletion of certain information.
Contact us to ask privacy-related questions.

To make a privacy-related request, contact us at info@jmconsultingandpublication.com.

We may need to verify your identity before fulfilling certain requests. Some requests may be denied or limited where permitted by law, including where information must be retained for legal, business, security, transaction, accounting, fraud-prevention, or dispute-resolution purposes.

14. California Privacy Rights

If you are a California resident, and if applicable law applies to our data practices, you may have certain rights under California privacy laws, which may include the right to request:

Access to personal information collected about you.
Deletion of certain personal information.
Correction of inaccurate personal information.
Information about categories of personal information collected, sources, purposes, and disclosures.
Information about categories of third parties with whom personal information is shared.
Opt out of the sale or sharing of personal information, if applicable.
Limit the use or disclosure of sensitive personal information, if applicable.
Non-discriminatory treatment for exercising applicable privacy rights.

These rights are subject to legal thresholds, exceptions, verification requirements, and limitations.

We do not knowingly sell personal information for money. If our practices change in a way that constitutes a “sale” or “sharing” under applicable California law, we will update this Privacy Policy and provide required options where applicable.

15. Florida Privacy Rights

If you are a Florida resident, and if applicable Florida privacy law applies to our data practices, you may have certain rights regarding your personal information.

These rights may include the ability to request access, correction, deletion, portability, or opt-out rights related to certain data processing activities, subject to legal thresholds, exceptions, verification requirements, and limitations.

You may submit privacy-related requests by contacting us at info@jmconsultingandpublication.com.

Nothing in this Privacy Policy is intended to waive or limit rights that cannot be waived or limited under applicable law.

16. Other State Privacy Rights

Residents of certain U.S. states may have additional privacy rights under applicable state privacy laws.

Depending on your location and whether such laws apply to our business, you may have rights to request access, correction, deletion, portability, opt-out of certain processing, or appeal certain privacy decisions.

You may contact us at info@jmconsultingandpublication.com to submit a privacy-related request.

We will respond to applicable privacy requests as required by law.

17. International Visitors

If you access the Site from outside the United States, you understand that your information may be transferred to, stored in, and processed in the United States or other jurisdictions where we or our service providers operate.

Privacy laws in the United States or other jurisdictions may differ from those in your country. By using the Site, you acknowledge that your information may be processed in the United States or other jurisdictions where permitted by law.

If you are located in a jurisdiction with specific privacy rights, you may contact us at info@jmconsultingandpublication.com regarding your privacy-related requests.

18. Children’s Privacy

The Site is not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13.

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

If you believe a child under 13 has provided personal information to us, please contact us at info@jmconsultingandpublication.com.

19. Third-Party Links and Embedded Content

The Site may include links to third-party websites, platforms, products, tools, services, booksellers, social media pages, payment processors, videos, embedded content, or other resources.

Third-party websites and embedded content may collect information about you, use cookies, track your interactions, or apply their own privacy practices.

We are not responsible for the content, privacy policies, security practices, terms, business practices, or actions of third parties. You should review the privacy policies and terms of any third-party website or platform before providing information or completing a transaction.

20. Social Media

If you interact with us through social media platforms, your interactions may be governed by the privacy policies and terms of those platforms.

We may view or receive information that you make publicly available or choose to send to us through social media.

We are not responsible for the privacy or security practices of social media platforms.

21. Do Not Track

Some browsers offer a “Do Not Track” signal. Because there is no universally accepted standard for how to respond to these signals, we may not respond to them at this time.

Where legally required, we will honor applicable privacy preference signals or opt-out mechanisms required by applicable law.

22. Accuracy of Information

You are responsible for providing accurate, current, and complete information when interacting with the Site.

If your information changes, you may contact us at info@jmconsultingandpublication.com to request updates where applicable.

23. Policy Updates

We may update, revise, or modify this Privacy Policy at any time.

When we do, we will update the “Last Updated” date above. Updated versions will be effective immediately upon posting unless otherwise stated.

Your continued use of the Site after an updated Privacy Policy is posted constitutes your acceptance of the updated policy.

If you do not agree to the updated Privacy Policy, you should discontinue use of the Site.

24. Contact Us

If you have questions about this Privacy Policy, your information, or your privacy rights, you may contact us at:

JM Consulting and Publication
Website: www.jmconsultingandpublication.com
Email: info@jmconsultingandpublication.com