Effective date: 27 August 2025 (latest update)
Digital Wealth Creators Inc., a subsidiary of B&O Consulting Ltd, ("Digital Wealth Creators Inc.", "we", "us" or "our") operates educational web sites and digital services designed to help users learn about ways to build digital wealth. This privacy policy explains how we collect, use and share personal information when people visit our website or otherwise interact with us.
Key legal notes – The UK Information Commissioner’s Office (ICO) advises that privacy notices for small‑ and medium‑sized organisations should clearly identify your contact details, describe what types of personal data you collect, explain why you have people’s information and what you are doing with it, set out your lawful basis and any legitimate interests, identify who you share data with and how long you keep it, and inform people of their information‑rights including the right to withdraw consent and how to complain. In preparing this policy we have followed those guidelines and drawn on generally accepted best practices from jurisdictions including the UK GDPR, the EU GDPR, the Data Protection Act 2018, the California Consumer Privacy Act (CCPA/CPRA) and the Children’s Online Privacy Protection Act (COPPA).
Digital Wealth Creators Inc., a subsidiary of B&O Consulting Ltd, is a company registered in England and Wales. Our registered office address is 1st Floor, North Westgate House, Harlow, Essex, CM20 1YS. Our data‑protection officer can be contacted at [email protected] or at our postal address above. You can also contact us through our Contact Us form on our website.
2. The personal data we collect
We may collect and process the following categories of personal information:
Contact and identity data – such as your name, email address, telephone number and postal address when you register for an account, subscribe to our newsletters or contact us.
Profile and account data – such as username, password, membership status, preferences, feedback or survey responses.
Financial and transaction data – details about payments you make for our premium content or services (we use third‑party payment processors and do not store full credit‑card numbers).
Usage and technical data – information about how you use our website (e.g., pages viewed, links clicked) and technical information including IP address, browser type and device identifiers collected through cookies and other similar technologies.
Marketing and communications data – your preferences in receiving marketing communications from us and our third parties and your communication preferences.
Third‑party data – information we receive from other sources, such as analytics providers or advertising partners, that helps us understand our users and improve our services.
We do not knowingly collect personal information from children under the age of 13, nor do we target our services to them. If we learn that we have collected personal information from a child under 13 we will promptly delete it.
3. How we collect personal data
We collect personal data in the following ways:
Direct interactions – you provide personal data to us when you create an account, subscribe to our newsletter, purchase services, request support, complete a survey or otherwise communicate with us.
Automated technologies – as you interact with our website, we automatically collect technical data about your equipment and browsing actions using cookies, log files and other similar tracking technologies. See the Cookies section below for more details.
Third‑party sources – we may receive personal data about you from analytics providers, advertising networks, payment processors and other service providers.
4. Why we use personal data and our lawful bases
We will only use your personal data when the law allows us to. The UK GDPR requires that we have a lawful basis for each purpose for which we process personal data. Our purposes and legal bases include:
Purpose
To register you as a user and create your account
To provide our products and services, including processing payments and delivering content
To communicate with you about your account, updates to our terms/policies or to respond to enquiries
To send you marketing communications and newsletters
To administer and protect our website (troubleshooting, data analysis, testing, maintenance)
To analyse usage trends and improve our services
To comply with legal or regulatory obligations (such as responding to lawful requests from authorities)
Legal basis
Performance of a contract with you
Performance of a contract with you
Legitimate interests (to provide good customer service) or compliance with a legal obligation
Legitimate interests (to provide good customer service) or compliance with a legal obligation
Consent where required; legitimate interests where permitted
Legitimate interests (running our business, network security, preventing fraud)
Legitimate interests (to study how customers use our services and to develop them)
Compliance with a legal obligation
5. Cookies and similar technologies
We use cookies and similar tracking technologies to distinguish you from other users of our website and to remember your preferences. Cookies help us to provide you with a good experience when you browse our site and also allow us to improve it. You can set your browser to refuse all or some cookies or to alert you when websites set or access cookies. However, if you disable or refuse cookies, please note that some parts of our site may become inaccessible or not function properly.
6. How we share personal data
We may share your personal data with:
Service providers who provide services such as website hosting, payment processing, analytics, email delivery and customer support. These third parties are only permitted to use your personal data for the purposes we specify and must protect it in accordance with this policy and applicable law.
Professional advisers including lawyers, bankers, auditors and insurers who provide consultancy, banking, legal, insurance and accounting services.
Regulators and law enforcement where we believe disclosure is necessary to comply with applicable laws or regulations, to exercise our legal rights or to protect our rights, property or safety and that of our users or others.
Business transfers – in the event of a merger, acquisition, reorganisation or sale of all or a portion of our assets, your personal data may be transferred as part of the transaction, subject to confidentiality arrangements and this policy.
We do not sell personal data to third parties. We do not permit our service providers to use your data for their own purposes and only allow them to process your data for specified purposes and in accordance with our instructions.
7. International transfers
Our website is hosted in the United Kingdom. However, some of our service providers may be located outside the UK/EEA. When we transfer personal data out of the UK/EEA, we will ensure that a similar degree of protection is afforded to it by using appropriate safeguards such as standard contractual clauses or transferring to countries that have been deemed to provide an adequate level of protection.
8. Data security
We have implemented appropriate security measures designed to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. For example, we use encryption where appropriate, restrict access to personal data to employees and service providers who have a business need to know, and have procedures to deal with suspected personal data breaches. Despite these measures, we cannot guarantee absolute security; you should use caution when sharing information online.
9. Data retention
We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting or reporting requirements. To determine the appropriate retention period, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure, the purposes for which we process the data, whether we can achieve those purposes through other means, and applicable legal requirements. In many cases we are required to keep basic information about our customers for at least six years for tax and contractual purposes.
10. Your rights
You have certain rights in relation to your personal data under data‑protection laws, including the right to:
Request access to your personal data.
Request correction of your personal data if it is incomplete or inaccurate.
Request erasure of your personal data where there is no legitimate reason for us to continue processing it.
Object to processing where we rely on legitimate interests and there is something about your particular situation which makes you want to object.
Request restriction of processing of your personal data in certain circumstances.
Request the transfer of your personal data to you or to a third party.
Withdraw consent at any time where we rely on consent to process your personal data.
To exercise any of these rights, please contact us using the details listed above. According to the ICO’s guidance, your privacy notice must tell people how they can complain about your use of their informationico.org.uk. If you have concerns about our use of your data, you can contact us first so we can address your concerns. You also have the right to lodge a complaint with the Information Commissioner’s Office (ICO) at https://ico.org.uk or with the relevant supervisory authority in your country of residence.
11. Third‑party websites and links
Our website may include links to third‑party websites, plug‑ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third‑party websites and are not responsible for their privacy statements or practices. We encourage you to read the privacy policy of every website you visit.
12. Changes to this policy
We may update this privacy policy from time to time to reflect changes in the law, our practices or for other operational reasons. The “Effective date” at the top of this policy will be updated when we make changes. Where appropriate, we will notify you by email or by posting a notice on our website.