TERMS OF SERVICE

Terms of Service for X.KRISTEN INC. & The LIFE AT A TEN Program can be found HERE.


PRIVACY POLICIES:

Privacy Policy for The LIFE AT A TEN® Program can be found HERE.

Privacy Policy for X.KRISTEN INC is below:
Last updated: September 10th, 2025

We respect your privacy. This Privacy Policy explains how LIFE AT A TEN INC. collects, uses, shares, and protects your personal information when you access our Site, purchase our Offerings, or engage with us on social media.

By using our Site or Offerings, you consent to this Policy.

1) Information We Collect

* Personal Data: name, email, mailing address, phone, and other information you provide during checkout, account creation, surveys, or coaching intake.
* Transaction Data: products purchased, payment method token, billing info handled by payment processors.
* Account and Usage Data: IP address, device info, browser type, pages visited, time stamps, referring URLs, and general analytics.
* Community and Communications: posts or messages in Circle or similar platforms, comments, testimonials, and support emails.
* Social Data: information you allow social platforms to share with us when you interact with our accounts or log in using a social service.
* Mobile Data: device ID, model, operating system, and approximate location if enabled.
* Cookies and Similar Technologies: small files to remember preferences, keep you logged in, personalize content, measure performance, and support advertising where permitted. See Cookies section below.

2) How We Use Your Information

* Provide and improve the Site and Offerings.
* Create and manage your account, deliver purchases, and provide support.
* Send transactional messages, updates, and marketing communications you opt into.
* Personalize content and recommendations.
* Conduct analytics, research, and product development.
* Detect, prevent, and address technical issues or fraud.
* Comply with legal obligations and enforce our agreements.

3) Legal Bases

We process data on the basis of your consent, our legitimate interests in running and improving our business, performance of a contract with you, and compliance with legal obligations.

4) Sharing Your Information

We share information with trusted third-party processors only to operate the Site and Offerings. These may include:

* Hosting, course, and community platforms, such as Circle.
* Payment processors, such as Stripe, PayPal, or Shopify Payments.
* Email, CRM, and automation providers, such as ActiveCampaign, Calendly, and Zapier.
* Analytics and advertising partners, such as Google Analytics and Meta Ads, where permitted.

We may share information to comply with law, respond to legal requests, protect our rights, or in connection with a merger, acquisition, or corporate reorganization.

We do not sell personal information.

5) Cookies and Tracking

We use essential, functional, analytics, and advertising cookies where permitted by law. You can manage cookies via your browser settings. Blocking cookies may impact site functionality. We may use pixels and tags for analytics and advertising. For more information or to update preferences, contact \[[support@xkristen.com](mailto:support@xkristen.com)].

6) Data Retention

We retain personal data as long as needed for the purposes described in this Policy, to provide services, to comply with legal obligations, and to resolve disputes. When no longer needed, we will delete or anonymize data.

7) Security

We use reasonable administrative, technical, and physical safeguards to protect personal information. No method is completely secure. You are responsible for safeguarding your account credentials.

8) Children

Our Offerings are not intended for individuals under 18. We do not knowingly collect data from children. If you believe we have collected data from a child, contact us to request deletion.

9) Your Choices and Rights

* Access and Correction: request a copy of your personal data or ask us to correct inaccuracies.
* Deletion: request deletion of your personal data, subject to legal obligations to retain certain records.
* Marketing Preferences: unsubscribe from marketing emails using the link in any email or by contacting us. Transactional emails will continue as needed to service your account.
* Cookies: manage cookies in your browser settings.
* Data Portability: where required by law, request a machine-readable copy.

To exercise rights, contact hello@xkristen.com. We may need to verify your identity.

10) International Transfers

Our servers, processors, or partners may be located in Canada, the United States, or other countries. By using the Offerings, you consent to international transfers subject to appropriate safeguards.

11) Third-Party Links

Our Site may contain links to third-party sites. We are not responsible for their privacy practices. Review their policies before providing personal information.

12) Changes to This Policy

We may update this Policy from time to time. The “Last updated” date will change. Your continued use of the Site or Offerings means you accept the updated Policy.

13) Contact

Questions about this Policy or your data rights: hello@xkristen.com