MSB Wellness understands how important your privacy is. This privacy policy (the “Privacy Policy”) sets out the privacy policies and practices for CFY Group Inc. and its subsidiaries and affiliates (collectively, “MSB Wellness”) with respect to how MSB Wellness collects your personal information. It also describes how MSB Wellness maintains, uses, and discloses personal information. This Privacy Policy also sets out how to access certain information that MSB Wellness may collect about you. 

In this Privacy Policy, personal information means information about an individual whose identity is apparent or can be reasonably ascertained from the information as further defined under applicable privacy laws (“Personal Information”). Personal Information does not include any information that is aggregated or otherwise de-identified.

Please note that the Site may contain links to other third-party websites not controlled or operated by MSB Wellness. This Privacy Policy does not apply to such third-party websites, and MSB Wellness is not responsible for the content of such third-party websites or the privacy practices of such third parties. MSB Wellness encourages you to request and review the privacy policies of any third parties upon disclosing your Personal Information to such parties or when visiting such third-party websites.

1. Consent of Collection of Information. By submitting Personal Information to MSB Wellness and its Site or any of its service providers, you agree and consent to the collection of your Personal Information and consent to the use, disclosure and transfer of your Personal Information in accordance with the provisions of this Privacy Policy. You may always refuse or withdraw your consent by contacting MSB Wellness at hello@msbwellness.com. You understand that if you withdraw your consent, MSB Wellness may not be able to continue offering its services and providing your information.

2. Children Under 18. The Site is not intended for children under 18 years of age. No one under the age of 18 may provide any Personal Information to or on the Site. MSB Wellness does not knowingly collect Personal Information from children under 18. If you are under 18, do not use or provide any information on the Site or through any of its features, register on the Site, make any purchases through the Site, use any of the interactive or public comment features of the Site, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If MSB Wellness learns we have collected or received Personal Information from a child under 18 without verification of parental consent, we will delete that information. If you believe MSB Wellness might have any information from or about a child under 18, please contact us at hello@msbwellness.com.

3. Revisions to this Privacy Policy. MSB Wellness reserves the right, in MSB Wellness’ sole discretion, to change, modify, add or remove portions of this Privacy Policy at any time and from time to time without prior notice to you. MSB Wellness will treat your continued use of the Site following such revision as your acceptance of the revised terms. All revisions will be posted to the Site and apply to any Personal Information collected on or after the posted date. MSB Wellness will obtain the necessary consents required under applicable privacy laws if it seeks to collect, use or disclose your Personal Information for purposes other than those to which consent has been obtained, unless otherwise required or permitted by law.

4. Personal Information

• What do we collect? MSB Wellness may directly collect your name, address, phone number, birthday, billing address and email address. There may be other information you provide but MSB Wellness will not collect that and instead will be collected by the third parties MSB Wellness works with, as outlined in 4.4.

• Email Address. We may ask for your name and email address so we can send you our newsletter or emails. We will only contact you through our newsletter for promotional or informational purposes. Subscribing to our newsletters is optional. This applies to any information you submit through our website or provide to us in any other manner.

• Phone Number. We may collect your phone number, and we may contact you via phone to contact you or if we feel there is information which would be beneficial to share with you. In accordance with everything outlined in this Privacy Policy, if you do not want to be reached by phone, you can ask us not to contact you via phone, or you can choose not to share your phone number.

• Third Parties. MSB Wellness may work with third-party applications to provide you with the best services on the Site. These organizations may collect Personal Information from you in order to provide you with the services, including your name and contact information. Specifically, the third parties MSB Wellness may work with on the Site are listed below. We’ve included links to their privacy policies to ensure you are comfortable using them.

• MailChimp: https://www.intuit.com/privacy/statement/,
• Wave: https://www.waveapps.com/legal/privacy-policy,
• Docusign: https://www.docusign.com/privacy/,
• Calendly: https://calendly.com/privacy,
• Zoom: https://zoom.us/privacy,
• Google Drive: https://policies.google.com/privacy?hl=en,
• Facebook: https://www.facebook.com/privacy/policy

1. How will MSB Wellness use your Personal Information? Your Personal Information will be used to provide you with promotional and informative materials and offers and deliver the products and services you can purchase or subscribe to from the Site. Specifically:

• 1. MSB Wellness will not keep your credit card information but instead by one of the third parties listed in section 4.4 above;

• 2. Your name and email address are collected but will not actually be stored on the Site. Any information captured will be processed through third-party websites in section 4.4 above;

• 3. Your phone number may be used to contact you via phone if there is information we would like to share that we feel would benefit you;

• 4. If you subscribe to our newsletter, your Personal Information will be used to send the newsletter to you;

• 5. If we send you the Newsletter for marketing purposes, we may use your contact information to send you emails about promotions, special events and other marketing information. You can opt not to receive these emails from us by either clicking “unsubscribe” at the bottom of the email when you receive it or by sending an email that includes your email address and a request that you not receive our promotional emails;

• 6. We may use your Personal Information to respond when you submit a question or suggestion to us or when you request assistance regarding the Service you purchased;

• 7. We may share your information if we believe in good faith that disclosure of your information is required to protect your safety or the safety of others, to investigate a fraud, or to respond to a government, judicial or other legal request or to comply with the law;

• 8. We may also share certain aggregated, anonymized information with a third-party provider in order to assist us in improving the Site.

6. Storing Your Personal Information. MSB Wellness may store your Personal Information when you interact with the Site. MSB Wellness will be happy to delete any of your Personal Information it holds upon your written request. Your Personal Information will be safely disposed of by MSB Wellness.

7. Storing Your Phone Number. Your phone number will be kept in the phone or contacts database of MSB Wellness and associates. Wherever it is stored, it will always be protected with a password and never be shared with third parties without your permission.

8. We Play by The Rules. The Site and MSB Wellness abide by all relevant Canadian laws in all aspects of our operations. As such, we abide by all the rules of CASL (Canadian Anti-Spam Laws) and the Personal Information Protection and Electronic Documents Act (PIPEDA). This Privacy Policy is also compliant with GDPR and CCPA regulations. If you have any questions about our compliance with this legislation, feel free to reach out to hello@msbwellness.com.

9. Affiliate Relationships. Please assume that, for every recommendation or link we provide, the following holds true: we have become aware of a product or service that we think may be of interest to people who visit our website. After we do our own research and decide this item is of value to ourselves, our community, or our clients, we choose to promote that item and are compensated when our readers click on the link or purchase the product or service. (That compensation comes from our affiliate, not you). Regardless of compensation, we only mention products and services that we believe in and feel would be a benefit to you.

10. Do Not Track Signals. MSB Wellness does not recognize or respond to browser-initiated Do Not Track (DNT) signals, as the Internet industry is still working on Do Not Track standards and there is no accepted standard for responding to such signals.

11. The Site keeps the following information from your visits to our webpage:

• 1. We use visitor information to improve our customer engagement. This information tells us where and when people visit the Site, how long they stay there, and their IP information for website and server security.

12. The Site uses ‘cookies’ to record the number of times you’ve visited the Site and how you interacted with the Site during each visit. In addition, the Site also uses cookies that are not absolutely essential for your use of the Site. Your continued use of the Site serves as consent for these cookies.

• 1. A cookie is a small text file sent by the site’s servers to your hard drive. It can only be read and interpreted by the Site’s servers. No Personal Information is stored in the cookie, and nothing on it can identify you personally.

• 2. Cookies have an important function in how you interact while visiting the Site. They ensure the usability of the Site’s different features, help the Site understand your preferences, and thus can improve your experience on the Site. If you do not want cookies from the Site, simply adjust your browser settings to disable cookies. This may change how you access the Site and render some of the Site’s features unusable, but of course, it is your choice to do so.

13. Disclosure of Personal Information MSB Wellness will NEVER sell or license any Personal Information we collect from you. MSB Wellness is not liable for any disclosure of your Personal Information by any third party, particularly the ones outlined in section 4.4 above. By purchasing the services and products offered by MSB Wellness, you agree to be bound to and consent to the provisions of our third parties’ privacy policies.

14. Choice of Laws and Venue. This Privacy Policy and the use of the Site are governed by Canadian laws and the Province of Ontario. The parties agree to irrevocably submit all claims to the exclusive jurisdiction of the courts of the Province of Ontario. If a dispute arises, we agree to first resolve it through binding arbitration to take place in the Province of Ontario.

15. Your Consent. By choosing to provide MSB Wellness with your Personal Information, you are consenting to its collection, use and disclosure under the principles outlined in this Privacy Policy. If you are under the age of 18, you must not provide any Personal Information to us without the consent of your parent or guardian, or as otherwise provided for by applicable law.

16. Protecting Your Privacy. MSB Wellness is committed to protecting your privacy. Security measures, such as using passwords on servers and computers and locked cabinets where Personal Information is stored, have been adopted to protect your Personal Information against loss or theft, unauthorized access, disclosure, copying, use or modification. Online transactions are completed using third-party applications outlined in section 4.4 above. Please refer to the third parties’ privacy policies, which links have been provided above, to clarify how your transaction and Personal Information will be handled. MSB Wellness makes no promises, warranties or representations about the manner in which third parties handle your Personal Information and bears no liability whatsoever for their use of them.

17. The Internet Can Be Unreliable. The internet is, by its nature, inherently open and subject to the interception of information. We cannot guarantee that the information you provide to MSB Wellness over the internet or otherwise will not be intercepted by third parties while it is being communicated by means that are outside of MSB Wellness’ control.

18. Verifying and Amending Your Personal Information MSB Wellness tries to ensure that all Personal Information about you that is in our possession is accurate, complete and up-to-date. Please contact us at hello@msbwellness.com to advise us of any changes to your Personal Information. You may request access to the Personal Information held by MSB Wellness at any time or seek to make corrections.

19. Arbitration. Any controversy or claim arising out of or relating to this Agreement or the breach of this agreement shall be settled exclusively by arbitration. You also agree that should arbitration take place, it will be exclusive to the courts of the Province of Ontario, or such other arbitrator mutually agreed upon by the parties. The arbitrator’s decision shall be final and binding on both parties and enforceable in any court of competent jurisdiction. The losing party shall bear the costs of the arbitration. The arbitration award shall be final and binding upon the parties, and the parties hereby waive any rights to appeal or challenge the award to the extent permitted by applicable law. This arbitration clause shall survive the termination or expiration of this contract.

20. Resolving your concerns. If you have any questions or concerns about MSB Wellness’ Personal Information collection, use and disclosure practices, please let us know at hello@msbwellness.com, and we will do our best to help you.