a. Information You Provide Directly

We collect information you voluntarily provide when you interact with our website, social channels, e-mails, events channels, Circle community, or sales platforms.

This includes any information you share through forms, checkout pages, online and offline events, or message fields.

Examples of information we may collect:

• Name, email address, postal address, country
• Billing and payment details (processed securely via third-party providers)
• Messages, comments, or form submissions
• Information you provide in our Circle community (posts, discussions, or private messages)
• Audio or video data that may include your voice, image, or background location if you choose to appear on camera or speak during a live event (including a live online event).
• Your consent preferences for newsletters or marketing emails

Why we collect it:

• To deliver your purchased products or courses, and to manage your access, participation, and any post-event communications related to online or in-person events, appointments, or asynchronous conversation (via Circle, Gumroad, Mailchimp or Zoom).
• To process payments and comply with tax and accounting obligations
• To communicate updates, offers, or community announcements
• To provide customer support and respond to your inquiries
• To comply with legal and regulatory requirements

Providing the requested information marked as required is necessary to access these services. Optional information may be left blank without consequence.

Legal bases for processing:

• Performance of a contract: delivering products, services, or memberships.
• Legal obligation: maintaining accounting and tax compliance records.
• Consent: sending newsletters or marketing updates (you may withdraw consent at any time).
• Legitimate interest: maintaining site security and improving our services.

We only collect and use the data necessary to fulfill these purposes.

b. Information Collected Automatically

When you visit our website, Circle community, social channels, Gumroad store, attend a live event, or appointment, or read our e-mails, we may collect:

• IP address and approximate location
• Browser and device information
• Pages visited, duration, and referring URLs

This data helps us improve our site, prevent fraud, and analyze how our content is used.

Cookies and similar technologies may be used for essential site functionality, analytics, and personalization (including language settings).

You can manage or disable cookies in your browser settings at any time.

c. Embedded Content and Third-Party Integrations

Our pages may include embedded content or third-party features such as YouTube or Vimeo videos, Facebook posts, Instagram feeds, Mailchimp subscription forms, or Gumroad pages.

These external services may collect data about you, use cookies, or track interactions when you are logged in to their platforms or when you interact with embedded forms or media.

Please review their privacy policies for more details:

• YouTube / Google Privacy Policy
• Vimeo Privacy Policy
• Meta (Facebook & Instagram) Privacy Policy
• Mailchimp Privacy Policy
• Gumroad Privacy Policy

We use analytics tools to understand and improve how visitors engage with our content, communications, and community spaces.

These tools may collect aggregated or pseudonymized data such as page views, device type, geographic location, email engagement, and conversion metrics.

• Google Analytics for website usage statistics (you can opt out at tools.google.com/dlpage/gaoptout)..
• Jetpack / Automattic for website traffic, performance, and security (Automattic Privacy Policy).
• Circle.so for aggregated analytics within our online community (user activity and engagement metrics).
• Gumroad for limited sales analytics, such as purchases and conversion tracking.
• Zoom Video Communications for event participation metrics, such as registration counts, attendance duration, and technical performance (Zoom Privacy Policy).
• Mailchimp for analytics related to newsletters and email campaigns, including open rates, link clicks, and subscriber activity (Mailchimp Privacy Policy).
• Meta Platforms, Inc. (Facebook & Instagram) for engagement data when users interact with embedded posts or share content through social features (Meta Privacy Policy).

All analytics data we access is aggregated. We do not use these tools to identify individuals or combine analytics data with personal information.

We rely on trusted partners to process payments, manage online interactions, and deliver our services securely:

• Gumroad for digital product sales and downloads
• Stripe, PayPal, or Authorize.net for payment processing
• Mailchimp for newsletters and email communications
• Circle.so for community membership and event access
• Zoom Video Communications, Inc. (“Zoom”) for live online events, satsangs, webinars, or mentoring sessions

Each provider operates under its own privacy policy and complies with GDPR and other applicable data protection laws.

When you register for a Zoom event through a Zoom form, your name, email address, and any other information you choose to provide (such as questions or comments) are collected and processed for the purpose of managing your event participation and communication related to that session.

Zoom acts as an independent data processor under its own (Zoom Privacy Policy)and is responsible for safeguarding your data according to its own security standards

Zoom sessions may occasionally be recorded for educational or archival purposes. You are free to attend events without using your camera or microphone if you prefer not to appear in a recording.

We retain personal data only for as long as necessary to fulfill the purposes outlined in this Policy, or as required by applicable laws, including tax, accounting, and consumer protection laws in the European Union and the United States.

Data will be deleted upon request, provided legal or contractual requirements allow.

We do not sell, rent, or trade your personal data.
We only share limited information with:

• Service providers that help us operate (hosting, communication, payments, analytics, community tools).
• Legal authorities if required by law.

All third-party processors are contractually obligated to protect your data and process it only under our instruction.

Under the GDPR and Local EU Data Protection Acts, you have the right to:

• Access and receive a copy of your personal data.
• Correct or update your information.
• Request deletion (“right to be forgotten”).
• Withdraw consent to marketing communications at any time.
• Object to or restrict processing in certain circumstances.
• Request data portability.

To exercise these rights, contact us at richardmossonline [AT] gmail [DOT] com.

We may require proof of identity before processing requests for security reasons.
You also have the right to lodge a complaint with your local data protection authority.

While we make every effort to facilitate the exercise of your rights under data protection law, certain legal exceptions may apply.

For example, we may be unable to fulfill a request if:

• the information is already known to you,
• providing it would involve a disproportionate effort or compromise ongoing research or archiving purposes,
• its disclosure is restricted by legal or professional confidentiality obligations, or
• it would prevent us from complying with another legal obligation.

In such cases, we will always inform you of the reason why your request cannot be fully granted and ensure that appropriate safeguards are in place to protect your rights and legitimate interests.

We apply industry-standard security measures to protect your data:

• SSL/HTTPS encryption across all pages and platforms.
• Firewalls, malware protection, and secure hosting.
• Restricted administrative access.

Our content and services are intended for adults.

We do not knowingly collect personal data from anyone under 16 years old without parental consent.

Because we use cloud-based services (such as Circle.so, Gumroad, Stripe, Zoom, Mailchimp, and Gmail), your data may be transferred and processed in countries outside your own.

Such transfers are governed by Standard Contractual Clauses approved by the European Commission or equivalent safeguards provided by the aforementioned cloud-based services ensuring adequate protection.

We may update this Privacy Policy periodically to reflect legal, operational, or technological changes.

The updated version will always be available on this page with a new “Last Updated” date.

We apply reasonable security procedures to protect personally identifying information and will notify affected individuals and authorities in case of unauthorized access or data breach.

If you have any questions or concerns about this Privacy Policy or your data, please contact:

Moss-Fellows Seminars LLC

Email: richardmossonline [AT] gmail [DOT] com