Company Information

This Privacy Policy applies to services provided by:

Nova Wealth Creations, LLC
1832 Kempsville Rd, Ste 112 # 1317
Virginia Beach, VA 23464
Phone: (757) 276-1752
Email: info@novawealthcreations.com
Website: novawealthcreations.com

Information We Collect

Personal Information You Provide

• Registration Information: Name, email address, password, profile preferences
• Contact Information: Phone number, mailing address (when provided)
• Educational Preferences: Course interests, learning goals, program selections
• Communication Records: Support tickets, feedback, survey responses

Automatically Collected Information

• Device Information: Browser type, operating system, device identifiers
• Usage Analytics: Pages visited, features used, time spent, interaction patterns
• Technical Data: IP address, referral sources, session information
• Educational Progress: Course completion, quiz results, learning milestones

How We Use Information

Service Delivery

• Provide access to educational content and consulting services
• Personalize learning experiences and recommendations
• Process course enrollments and manage educational progress
• Facilitate community interactions and peer learning

Service Improvement

• Analyze usage patterns to enhance educational content
• Develop new courses and improve existing programs
• Optimize platform performance and user experience
• Conduct educational research and effectiveness studies

Communication

• Send educational content updates and course notifications
• Provide customer support and technical assistance
• Share relevant industry insights and educational resources
• Process feedback and respond to inquiries

Legal and Compliance

• Comply with applicable laws and regulations
• Protect against fraud, abuse, and security threats
• Enforce our terms of service and community guidelines
• Respond to legal requests and court orders when required

Information Sharing and Disclosure

We may share information in these limited circumstances:

Service Providers: Trusted third-party providers who help us deliver educational services (learning management systems, payment processors, email providers)

Business Transfers: In connection with mergers, acquisitions, or asset sales, subject to confidentiality obligations

Legal Requirements: When required by law, court order, or to protect our rights and safety

Consent: When you explicitly authorize us to share specific information

Educational Partners: With accredited institutions or certification bodies for course completion verification (with your consent)

Data Security

We implement appropriate technical and organizational measures to protect your information:

Technical Safeguards

• Industry-standard encryption for data transmission
• Secure data storage with access controls
• Regular security assessments and monitoring
• Automated backup and disaster recovery systems

Organizational Measures

• Employee training on data protection practices
• Limited access to personal information on need-to-know basis
• Regular security policy reviews and updates
• Incident response procedures

Your Privacy Rights

Depending on your location, you may have these rights regarding your personal information:

Access and Portability: Request copies of your personal information and data exports

Correction: Update or correct inaccurate personal information

Deletion: Request deletion of your personal information (subject to legal obligations)

Communication Preferences: Opt out of marketing communications while maintaining service-related messages

To Exercise Your Rights:

Contact us at info@novawealthcreations.com or (757) 276-1752. We will respond to valid requests within 30 days and may require identity verification.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience:

Essential Cookies: Required for platform functionality, authentication, and security

Analytics Cookies: Help us understand usage patterns and improve our services

Preference Cookies: Remember your settings and personalize your experience

You can control cookie preferences through your browser settings. Note that disabling certain cookies may limit platform functionality.

Data Retention

We retain personal information for as long as necessary to:

• Provide ongoing educational services and support
• Maintain educational records and course completion certificates
• Comply with legal and regulatory requirements
• Protect against fraud and security threats

Typical Retention Periods:

Active students: Duration of enrollment plus 7 years for educational records
Marketing contacts: Until you unsubscribe or request deletion
Support tickets: 3 years for service improvement purposes
Financial records: 7 years as required by tax regulations

Third-Party Services

Our services may integrate with or link to third-party services that have their own privacy policies:

• Learning management systems and educational platforms
• Payment processors (for secure transaction handling)
• Cloud service providers (for hosting and data storage)
• Email service providers (for communications)
• Analytics services (for usage insights)

International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place when transferring personal information internationally, including:

• Standard contractual clauses approved by regulatory authorities
• Adequacy decisions by relevant data protection authorities
• Certified frameworks for international data transfers

Children's Privacy

Our educational services are designed for users 18 years and older. We do not knowingly collect personal information from children under 13. If we become aware that we have collected information from a child under 13, we will take steps to delete it promptly.

For users between 13-17, parental consent may be required for certain educational programs.

Geographic Access Restrictions

Educational Service Territory

Our educational programs and consulting services are designed for users in the United States. This ensures compliance with US educational standards and regulatory requirements.

Access Verification

We employ automated systems to detect user geographic location. Users attempting to access our services from outside the US may be redirected to an access restriction notice.

Educational Program Compliance

These geographic restrictions are implemented to ensure compliance with:

• US educational accreditation requirements
• State-specific licensing and regulatory obligations
• Federal educational privacy and protection standards
• Tax and business licensing requirements

Access and Security Framework

These geographic restrictions ensure compliance with applicable regulations and serve as part of our comprehensive security and compliance framework for educational service delivery.

Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of material changes by:

• Posting the updated policy on our website with a new effective date
• Sending email notifications for significant changes
• Providing notice through our educational platform

Your continued use of our services after policy changes indicates acceptance of the updated terms.

Cookie Details

We use the following cookies on our platform:

Cookie Name	Category	Purpose	Duration	Set By	Can You Disable?
sb-*-auth-token	Essential	User authentication and session management	Session	Supabase	❌ No (required)
_ga	Analytics	Unique user identification for usage analytics	2 years	Google Analytics	✅ Yes
_gid	Analytics	Session identification for analytics	24 hours	Google Analytics	✅ Yes
_gat	Analytics	Request throttling to prevent server overload	1 minute	Google Analytics	✅ Yes
_ga_*	Analytics	Property-specific analytics container	2 years	Google Analytics	✅ Yes
theme-mode	Preferences	Dark/light mode preference	1 year	Platform UI	✅ Yes
sidebar-state	Preferences	Sidebar open/closed state	1 year	Platform UI	✅ Yes
download_complete_*	Essential	PDF download tracking	Session	Platform	❌ No (required)
cookie-consent	Essential	Cookie consent record	1 year	Consent System	❌ No (required)

Managing Your Cookie Preferences

You have multiple options to control cookies:

Cookie Preferences Tool (Recommended):

• Click "Cookie Preferences" link in the footer of any page
• Toggle individual cookie categories on/off
• Changes apply immediately and are logged for compliance

Browser Settings:

• Most browsers allow you to block or delete cookies
• Note: Blocking essential cookies will prevent login and core functionality

Opt-Out of Analytics:

• Reject non-essential cookies when the banner first appears
• Or use the Cookie Preferences tool to disable Analytics category anytime

US State Privacy Rights

For All US Residents

Under various US state privacy laws, you may have the following rights:

Right to Know: Request disclosure of what personal information we collect

Right to Access: Request a copy of your personal information

Right to Delete: Request deletion of your personal information (subject to legal obligations)

Right to Opt-Out: Opt out of the "sale" of personal information (Note: We do not sell personal information)

Right to Opt-Out of Targeted Advertising: Manage cookie preferences to opt out of analytics tracking

Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights

State-Specific Rights

California Residents (CCPA/CPRA):

• Right to know what personal information is collected
• Right to opt-out of sale of personal information (we do not sell)
• Right to request deletion of personal information
• Right to non-discrimination for exercising rights

Virginia Residents (VCDPA):

• Right to access, correct, delete, and obtain a copy of personal data
• Right to opt-out of targeted advertising and profiling
• Right to appeal our decision regarding your request

Colorado, Connecticut, Utah, Montana, Oregon, Texas, Iowa Residents:

• Similar rights to Virginia residents under respective state laws
• Right to opt-out of targeted advertising
• Right to access and delete personal information

How to Exercise Your Rights

Submit a Request:

• Email: info@novawealthcreations.com
• Phone: (757) 276-1752
• Include: Your name, email, state of residence, and specific request

Response Time: We will respond within 30-45 days (as required by applicable law)

Verification: We may require identity verification to protect your privacy

No Fee: Requests are free (first request per year)

Consent Audit Trail

We maintain detailed logs of all cookie consent decisions for compliance purposes:

• Timestamp of consent
• Type of consent given (Accept All, Reject All, or Customize)
• Specific categories enabled
• IP address (anonymized after 90 days)

You can request a copy of your consent history by contacting us at info@novawealthcreations.com.

Contact Information

For questions about this Privacy Policy or our privacy practices, contact us:

Privacy Officer
Email: info@novawealthcreations.com
Phone: (757) 276-1752
Response time: Within 48 hours for privacy-related inquiries

Business Address
Nova Wealth Creations, LLC
1832 Kempsville Rd, Ste 112 # 1317
Virginia Beach, VA 23464