Privacy Policy

Effective Date: October 7, 2026

20 to 40 Coaching (“20→40 Coaching,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you provide when you visit our website, https://20-40coaching.com, participate in our coaching programs, register for events or training, schedule a discovery call, or otherwise interact with our services.

This Privacy Policy explains what information we collect, how we use it, how we may share it, and the choices you may have regarding your information.

1. Information We Collect

We may collect information that you voluntarily provide to us, including:

• Name

•Email address

•Phone number

• Business and professional information

• Real estate production information

• Information you provide when scheduling a discovery call

• Information submitted through forms, assessments, surveys, or applications

• Information provided when purchasing or participating in our coaching programs

• Communications you send to us

Any other information you voluntarily provide

We may also automatically collect certain technical information when you visit our website, such as:

• IP address

• Browser and device type

• Operating system

• Pages visited

• Website activity

• Referring website

• Date and time of visits

• Cookies and similar technologies

2. How We Use Your Information

We may use information we collect to:

• Respond to inquiries and requests

• Schedule and manage discovery calls

• Provide coaching, training, educational content, and community services

• Process purchases and provide access to products or programs

• Communicate with you about your account or participation

• Send educational, promotional, or marketing communications when permitted by law

• Improve our website, services, programs, and customer experience

• Understand how visitors use our website

• Personalize content and communications

• Prevent fraud, abuse, or unauthorized activity

• Maintain the security of our systems

• Comply with applicable laws and legal obligations

3. Marketing Communications

If you provide your contact information, we may send you emails, text messages, or other communications regarding our services, educational resources, events, coaching programs, and offers, subject to applicable law and your communication preferences.

You may unsubscribe from marketing emails by using the unsubscribe link included in the email.

For text messages, you may opt out by following the instructions provided in the message, such as replying STOP. Message and data rates may apply.

Opting out of marketing communications does not necessarily stop transactional or service-related communications that are necessary to provide services you have requested.

4. Cookies and Tracking Technologies

We may use cookies, pixels, analytics tools, and similar technologies to operate our website, understand website traffic, measure marketing performance, and improve our services.

Third-party services used on or through our website may also use cookies or similar technologies in accordance with their own privacy policies.

You may be able to control cookies through your browser settings. Disabling certain cookies may affect website functionality.

5. How We Share Information

We do not sell your personal information for money.

We may share information with trusted service providers and business partners who help us operate our business, such as providers for:

Website hosting

Customer relationship management

Email and text messaging

Scheduling

Payment processing

Analytics

Marketing

Online training and community platforms

Customer support

Technology and security

These providers may only use information as necessary to provide services to us or as otherwise permitted by law.

We may also disclose information when reasonably necessary to:

Comply with applicable laws or legal processes

Respond to lawful requests from governmental authorities

Protect our rights, property, or safety

Investigate fraud or security issues

Enforce our agreements

Protect the safety of our users or others

If 20→40 Coaching is involved in a merger, acquisition, sale, financing, restructuring, or similar business transaction, personal information may be transferred as part of that transaction, subject to applicable law.

6. Third-Party Services

Our website and services may contain links to third-party websites, platforms, applications, or services.

We are not responsible for the privacy practices, security, or content of third-party services. We encourage you to review the privacy policies of any third-party service you use.

7. Data Security

We take reasonable administrative, technical, and organizational measures designed to protect personal information from unauthorized access, disclosure, alteration, or destruction.

However, no method of transmitting or storing information online is completely secure. Therefore, we cannot guarantee absolute security.

8. Data Retention

We retain personal information for as long as reasonably necessary to provide our services, maintain business records, comply with legal obligations, resolve disputes, enforce agreements, and fulfill the purposes described in this Privacy Policy.

Retention periods may vary depending on the type of information and the reason it was collected.

9. Your Privacy Rights

Depending on where you live and subject to applicable law, you may have certain rights regarding your personal information.

These may include the right to:

• Request access to personal information we maintain about you

• Request correction of inaccurate information

• Request deletion of personal information, subject to applicable exceptions

• Request information about how your personal information is collected and used

• Opt out of certain marketing communications

• Opt out of the sale or sharing of personal information where applicable

• Limit certain uses of sensitive personal information where applicable

• Exercise applicable privacy rights without unlawful discrimination

• For California residents, additional rights may apply under the California Consumer Privacy Act and related laws, including rights to know, delete, correct, and opt out of certain sale or sharing of personal information.

• To submit a privacy request, contact us using the information below.

• We may need to verify your identity before completing certain requests.

10. Children's Privacy

Our website and services are intended for adults and are not directed toward children under 13.

We do not knowingly collect personal information from children under 13. If you believe a child has provided personal information to us, please contact us so that we can take appropriate steps.

11. Do Not Track

Our website may not respond to all browser “Do Not Track” signals. Your browser may provide other controls for managing cookies and tracking technologies.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

When we make changes, we will update the “Effective Date” at the top of this policy. Your continued use of our website or services after an updated Privacy Policy becomes effective means you acknowledge the updated policy.

13. Contact Us

If you have questions about this Privacy Policy or would like to exercise an applicable privacy right, please contact:

20 to 40 Coaching
Frederick, Maryland
Email: [email protected]

Website: https://20-40coaching.com

By using our website or services, you acknowledge that you have read and understood this Privacy Policy.