Privacy Policy

Charmed Beginnings, LLC understands that you care about how information about you is collected, used, and shared, and we appreciate that you trust this information with us. We take your privacy very seriously and are committed to protecting your information. We act in accordance with applicable data protection and privacy laws when collecting and using information about you.

Please read this privacy policy carefully as it contains important information on who we are, how and why we collect, store, use, and share your personal information. It also explains your rights in relation to your personal information and how to contact us in the event you have a complaint.

This Privacy Policy (“Privacy Policy”) applies to your use of our website (collectively, “Site”) and describes what kind of information we collect, when and how we might use that information, how we protect the information, and the choices you have with respect to your personal information. Charmed Beginnings, LLC may change, add to, or remove all or any portion of this Privacy Policy at any time, and will post the current Privacy Policy so that you will always have the current Privacy Policy available to you.

Should you have any comments or questions about how we collect and use your personal information, please reach out via email to info@charmedbeginnings.com or by telephone to 331-231-2734.

1. Applicability & Eligibility

This Privacy Policy applies to this Site, and our collection, use, disclosure, and protection of your data. It does not apply to third-party websites, applications, or services. Before accessing, using, or interacting with the Site, you should carefully review the terms and conditions of this Privacy Policy.

2. Agreement

By using this Site, you are agreeing to our Privacy Policy, without modification, and confirming you have read and understand these policies, including how and why Charmed Beginnings, LLC uses your information. If you do not want us to collect or process your personal information in the ways described in this Privacy Policy, you should not use the Site.

This Site is not intended for individuals under the age of 18. We do not knowingly collect personal information directly from individuals under 18 years of age. Our services are not intended for individuals under 18 years of age. If you are under 18 years of age, you should not submit or post personal information on our Site.

3. Key Terms

• We, us, our — Charmed Beginnings, LLC
• Personal information — Any information relating to an identified or identifiable individual
• Sensitive Personal Information — A specific subset of personal information that includes certain government identifiers; account log-in, financial account, debit or credit card numbers with any required security code, password, or credentials allowing access to an account; precise geolocation; contents of messages; genetic data; biometric information; information regarding health, sex life, or sexual orientation; or information about race, ethnic origin, religious or philosophical beliefs, or union membership.

4. Personal Information Collection and Use

We collect information about you and your use of this Site and Services through various means, including information we receive from you on Site forms, as well as through your access, use, or interaction with this Site and through our Services. Such processing is utilized to provide this Site and Services to visitors.

Where we gather your information using consent, your opt-in consent will be clearly obtained. You may withdraw this consent at any time by contacting us at info@charmedbeginnings.com.

This personal information is required to provide Services to you. If you do not provide the personal information we ask for, it may delay or prevent us from providing Services to you.

5. Personal Information We Collect About You

We may collect and use the following personal information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household:

• Identifiers — Name, postal address, Internet Protocol address, email address, social security number, and/or driver’s license number
• Financial information — Name, postal address, bank account number, debit card number, credit card number, email address, social security number, and/or driver’s license number
• Commercial information — Products or services purchased, obtained, or considered
• Internet or electronic network activity — Device characteristics, IP address, browser characteristics, communication data, referring URLs, browsing and navigation patterns, time zone, location, country, language preferences

We do not collect: characteristics of protected classifications, biometric information, geolocation data, audio/visual/thermal information, professional or employment-related information, education information, or inferences for profiling.

6. How Your Personal Information is Collected

We collect most of this personal information directly from you—in person, by telephone, text, email, and/or via our Site. However, we may also collect information:

• From publicly accessible sources (e.g., property records)
• Directly from a third party (e.g., sanctions screening providers, credit reporting agencies, or customer due diligence providers)
• From a third party with your consent (e.g., your bank)
• From cookies on our Site
• Google Analytics
• Via our IT systems, including automated monitoring of our Site and other technical systems

7. How and Why We Use Your Personal Information

Under data protection law, we can only use your personal information if we have a proper reason for doing so, e.g.:

• To comply with our legal and regulatory obligations
• For the performance of our contract with you or to take steps at your request before entering into a contract
• For our legitimate interests or those of a third party
• Where you have given consent

A legitimate interest is when we have a business or commercial reason to use your information, so long as this is not overridden by your own rights and interests.

8. Do Not Track

Most web browsers and some mobile operating systems include a “do not track” feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored or collected. Our web services do not alter, change, or respond upon receiving Do Not Track (DNT) requests or signals in browsers. We track user activity using cookies and similar technologies. By using our website, you consent to our use of cookies.

9. Promotional Communications

We may use your personal information to send you updates (by email, text message, telephone, or post) about our products and/or services, including exclusive offers, promotions, or new products and/or services.

We will always treat your personal information with the utmost respect and never sell or share it with other organizations outside the Charmed Beginnings, LLC for marketing purposes.

You have the right to opt out of receiving promotional communications at any time by:

• Contacting us at info@charmedbeginnings.com
• Using the “unsubscribe” link in emails or “STOP” number in texts

10. Text Messaging (SMS)

If you provide your mobile number and opt in to receive text messages from Charmed Beginnings, we may send you account and delivery updates, friendly check-ins, and occasional promotional messages. Message frequency varies. Message and data rates may apply. You can reply STOP at any time to unsubscribe, or HELP for help. Consent to receive text messages is not a condition of any purchase.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as our messaging provider, is permitted only to help us deliver the messages you have requested. Text messaging originator opt-in data and consent will not be shared with any third parties.

11. Who We Share Your Personal Information With

We routinely share personal information with:

• Business partners — Businesses that we work with to offer you certain services or promotions
• Non-affiliated service providers — Payment processing, data analysis, email delivery, hosting services, customer service, marketing efforts, etc.
• Affiliates — Required to adhere to this Privacy Policy
• Government and regulatory authorities — Because of legal and regulatory obligations
• Auditors and financial and legal advisors — To assist with provision of services or management of our business
• Others only as permitted by law

We do not sell your personal information, and we have contracts with service providers to prohibit any sale of your personal information.

12. Where Your Personal Information is Held

Information may be held at our offices and those of our third-party agencies, service providers, representatives and agents as described above.

13. How Long Your Personal Information Will Be Kept

We will keep your personal information while you have an account with us or while we are providing products and/or services to you. Thereafter, we will keep your personal information for as long as is necessary to respond to any questions, complaints or claims, to show that we treated you fairly, or to keep records required by law. We will not retain your personal information for longer than necessary. When it is no longer necessary to retain your personal information, we will delete or anonymize it.

14. Important Notice to Users Outside the U.S.

The Site and Services are operated in the United States. If you are located outside of the United States, please be aware that any information you provide to us will be transferred to the United States. By providing us with any information through the Site or the Services, you consent to this transfer.

15. Accessing and Correcting Your Information

You can review and change your personal information by logging into the Site and visiting your account profile page. You may also send us an email at info@charmedbeginnings.com to request access to, correct, or delete any personal information that you have provided to us. We cannot delete your personal information except by also deleting your user account.

16. Your State Privacy Rights

State consumer privacy laws may provide their residents with additional rights regarding our use of their personal information. California, Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Montana, Oregon, Tennessee, Texas, Utah, and Virginia provide (now or in the future) their state residents with rights to:

• Confirm whether we process their personal information
• Access and delete certain personal information
• Correct inaccuracies in their personal information
• Data portability
• Opt-out of personal data processing for targeted advertising, sales, or profiling
• Either limit or require consent to process sensitive personal data

To exercise your privacy rights under any state law, email info@charmedbeginnings.com.

17. Your Rights Under the CCPA

You have the right under the California Consumer Privacy Act of 2018 (CCPA) to exercise free of charge:

Disclosure of Personal Information

You have the right to know the categories of personal information we have collected about you, the categories of sources, our business or commercial purpose for collecting, the categories of third parties with whom we share, and the specific pieces of personal information we have collected about you.

Right to Deletion

On receipt of a verifiable request from you, we will delete your personal information from our records and direct any service providers to delete your personal information from their records, subject to certain exceptions set out by law.

Protection Against Discrimination

You have the right to not be discriminated against by us because you exercised any of your rights under the CCPA.

18. Keeping Your Personal Information Secure

We have appropriate security measures in place to prevent personal information from being accidentally lost or used or accessed in an unauthorized way. We limit access to your personal information to those who have a genuine business need to access it. We also have procedures in place to deal with any suspected data security breach. We will notify you and any applicable regulator of a suspected data security breach where we are legally required to do so. You acknowledge that no electronic storage or transmission method is 100% secure.

19. How to Exercise Your Rights

If you would like to exercise any of your rights as described in this Privacy Policy, please:

• Call or text us at 331-231-2734
• Email us at info@charmedbeginnings.com

20. Linking to Third Parties

When you leave this Site and go to another linked website, we are not responsible for the content or availability of the linked website. The privacy and security policies of the linked website may differ from those practiced by us.

21. Changes to This Privacy Notice

This privacy notice was published on May 1, 2025 and last updated on May 1, 2025. We reserve the right to change this Privacy Policy at any time in our sole discretion. If we make changes, we will post the revised policy here. By continuing to use our services after notice is provided, you accept and agree to this Privacy Policy as modified.

22. How to Contact Us

Please contact us by post, email or telephone if you have any questions about this privacy policy or the information we hold about you.

Charmed Beginnings, LLC
1158 Birchdale Ave., Aurora, IL 60504
info@charmedbeginnings.com
331-231-2734

23. Do You Need Extra Help?

If you would like this notice in another format (for example: audio, large print) please contact us (see “How to contact us” above).