MICHELE LEE ELLIS CONSULTING, LLC

PRIVACY POLICY

Last Updated: August 24, 2026

Michele Lee Ellis Consulting, LLC ("Company," "MLEC," "Firm," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains what information we collect, how we use it, how we may share it, how we protect it, and the choices and rights you may have regarding your information.

This Privacy Policy applies to websites, programs, offerings, communities, portals, forms, events, services, products, digital platforms, financing-related interactions, and content provided by MLEC, including www.HomeCareCoaching.com, Michele Lee Ellis Consulting websites, related MLEC brands, and third-party platforms used to support or deliver our services, such as hosting, payment, financing, automation, email, SMS, artificial intelligence, and e-learning providers.

By using our websites, services, portals, forms, programs, communities, or other offerings, or by providing information to us in connection with a purchase or financing arrangement, you acknowledge the collection, use, storage, disclosure, and processing of information as described in this Privacy Policy, subject to applicable law.

1. Agreement Precedence

If you have signed, electronically accepted, or otherwise agreed to a Service Agreement, Consulting Agreement, Master Services Agreement, Coaching Agreement, Client Services Agreement, order form, invoice, payment authorization, or other written agreement with MLEC, that agreement may contain additional privacy, confidentiality, data use, payment, financing-related, recording, or service-related terms.

If there is a conflict between this Privacy Policy and an applicable agreement with MLEC, the applicable agreement controls as to the specific Services purchased or provided, unless otherwise required by applicable law.

If you separately enter into a financing agreement with a third-party lender, financing provider, or financing platform, that third party's privacy policy, financing agreement, disclosures, and other applicable terms govern how that third party independently collects, uses, stores, shares, or otherwise processes information in connection with its financing services.

MLEC does not control the independent privacy practices of a third-party lender or financing provider.

2. Information We Collect

We may collect personal information, business information, non-personal information, technical information, payment-related information, financing-related information, communications, and other information you provide or that is generated when you interact with our Services.

Personal Information

Personal information may include:

Name;

Email address;

Phone number;

Mailing address;

Billing address;

Company name;

Job title;

Login or account information; and

Other identifiers or information you voluntarily provide.

Business Information

Business information may include information regarding your:

Business or proposed business;

Services;

State or service area;

Licensing status;

Revenue;

Business goals;

Staffing;

Operations;

Marketing;

Business challenges;

Documents;

Forms;

Applications;

Policies and procedures;

Intake responses; and

Other information submitted for coaching, consulting, licensing guidance, education, or program support.

Payment Information

Payment-related information may include:

Billing details;

Transaction records;

Payment amounts;

Payment dates;

Invoices;

Receipts;

Payment status;

Payment plan information;

Recurring payment status;

Failed or returned payment information;

Chargeback or payment dispute information;

Payment authorization information; and

Related transaction records.

We may use third-party payment processors to process payments.

When payments are processed through third-party processors, MLEC generally does not intentionally store complete credit card numbers on its own systems.

Financing-Related Information

If you apply for or use a third-party financing option in connection with an MLEC purchase, financing-related information may include information such as:

The financing provider or financing platform used;

Financing application or transaction identifiers;

Financing application or approval status;

Amount requested or financed;

Amount funded to MLEC;

Funding status;

Payment or repayment status when made available to MLEC;

Payment schedule information when relevant to MLEC's administration of the transaction;

Financing-related payment authorization information;

Information regarding failed, returned, reversed, disputed, or canceled payments;

Refund or financing adjustment information;

Communications regarding the financing transaction; and

Other information reasonably necessary to facilitate, administer, reconcile, or resolve the financing transaction.

A third-party lender or financing provider may request additional information directly from you, including information used for identity verification, credit evaluation, underwriting, bank verification, or other financing purposes.

Such information may be collected directly by the lender, financing provider, financing platform, payment processor, or other third party rather than by MLEC.

MLEC does not make representations that it receives or maintains all information provided by you directly to an independent financing provider.

Technical and Usage Information

Technical and usage information may include:

IP address;

Browser type;

Device type;

Operating system;

Referring URL;

Pages viewed;

Links clicked;

Login activity;

Date and time of access;

Cookies;

Analytics information; and

General usage patterns.

Communications

Communications may include:

Emails;

SMS messages;

Form submissions;

Survey responses;

Chatbot interactions;

Portal messages;

Support requests;

Meeting questions;

Session notes;

Testimonials;

Reviews;

Comments;

Financing-related communications; and

Other messages you send to us or share through our platforms.

3. Cookies and Tracking Technologies

We may use cookies, pixels, analytics tools, and similar technologies to operate our websites, improve user experience, remember preferences, understand traffic patterns, support marketing, measure performance, and provide service functionality.

You may adjust cookie settings through your browser or other available preference controls. If you disable certain cookies, some portions of our websites or Services may not function properly.

4. How We Use Information

We may use information to:

Provide, operate, manage, and improve our websites, programs, Services, portals, communities, and client experience;

Process payments and administer purchases;

Maintain payment records, invoices, receipts, and account information;

Administer payment plans and authorized payment arrangements;

Facilitate third-party financing when you select or request a financing option;

Exchange information with an applicable lender or financing provider as reasonably necessary to administer a financing transaction;

Confirm financing approval or funding status;

Reconcile financing proceeds received by MLEC;

Administer payments that MLEC is authorized to collect under an applicable financing arrangement;

Process or coordinate approved refunds, credits, reversals, or financing adjustments;

Address payment failures, chargebacks, reversals, funding issues, and disputes;

Prevent and investigate fraud or unauthorized transactions;

Deliver coaching, consulting, licensing guidance, digital education, templates, resources, events, and related Services;

Respond to inquiries and provide customer support;

Send service, billing, financing-related, administrative, and account notices;

Personalize content and improve resources;

Analyze usage and maintain service quality;

Develop new products and Services;

Prepare research, drafts, summaries, educational materials, workflows, and other business deliverables;

Send marketing communications, newsletters, updates, offers, and event notices, subject to applicable opt-out rights;

Protect our rights, intellectual property, confidential information, security, clients, team, platforms, and business operations;

Maintain accounting, tax, transaction, and business records;

Comply with contractual obligations;

Enforce applicable agreements and policies;

Resolve disputes;

Prevent fraud;

Respond to lawful requests; and

Comply with legal and regulatory obligations.

5. Artificial Intelligence Processing

We may use artificial intelligence tools to assist with research, drafting, analysis, workflow automation, meeting summaries, educational content, templates, client support, internal operations, and service delivery.

When using AI tools, we may process information you provide, information related to your business, session notes, prompts, documents, or other service-related content as reasonably necessary to provide Services, improve efficiency, summarize information, or create deliverables.

We aim to use reasonable care and limit information shared with AI tools to what is appropriate for the intended purpose.

AI output may be reviewed, edited, and used by MLEC.

AI output is not legal, tax, accounting, financial, clinical, medical, human resources, insurance, lending, credit, or professional licensing advice.

You are responsible for reviewing applicable outputs and consulting qualified professionals when appropriate.

Third-party AI providers may process information according to their own terms and privacy policies.

Unless specifically requested through an authorized process, you should not submit Social Security numbers, complete bank account information, complete payment card numbers, medical records, protected health information, or other highly sensitive information into MLEC AI tools, chatbots, general email, SMS, communities, or other general communication channels.

6. How We Share Information

We do not sell personal information for money.

We may share information with third parties that help us operate our business, administer transactions, or provide Services, including:

Service providers;

Contractors;

Vendors;

Payment processors;

Lenders;

Financing providers;

Financing platforms;

Financing servicing providers;

Payment servicing providers;

Hosting providers;

Email and SMS providers;

Analytics providers;

Artificial intelligence providers;

Automation providers;

Course and learning platforms;

Scheduling providers;

Customer support platforms;

Fraud prevention or identity verification providers;

Accounting or financial service providers;

Professional advisors; and

Other third parties reasonably necessary to operate our business or administer a transaction.

Financing-Related Sharing

If you request, apply for, or use third-party financing in connection with an MLEC purchase, we may share information with or receive information from the applicable lender, financing provider, financing platform, payment processor, or related service provider as reasonably necessary to:

Initiate or facilitate the financing transaction;

Identify the underlying purchase;

Confirm transaction amounts;

Confirm application, approval, or funding status;

Receive and reconcile financing proceeds;

Administer authorized payments;

Address payment or funding failures;

Prevent fraud;

Verify transaction information;

Process approved refunds, credits, or adjustments;

Respond to financing-related disputes;

Maintain transaction records; or

Otherwise administer the purchase or financing relationship.

The information exchanged will depend on the particular financing arrangement and provider.

Where a lender independently determines what information is necessary for underwriting, credit review, identity verification, financing approval, servicing, collections, or other lender activities, those activities are governed by the lender's own agreements, disclosures, privacy policy, and applicable law.

Other Permitted Disclosures

We may disclose information when reasonably necessary or permitted in connection with:

Legal obligations;

Court orders;

Subpoenas;

Regulatory requests;

Governmental authorities;

Legal proceedings;

Security concerns;

Fraud prevention or investigation;

Agreement enforcement;

Chargeback disputes;

Payment disputes;

Collection matters;

Financing disputes;

Funding reversals;

Protection of our rights;

Protection of our clients or team;

Protection of our intellectual property; or

Protection of our business operations.

We may also share non-personal, aggregated, or de-identified information for analytics, research, marketing, business development, service improvement, or other lawful business purposes.

7. Third-Party Platforms, Payment Providers, and Financing Providers

Our Services may be hosted, delivered, processed, financed, or supported through third-party platforms, including hosting, payment, financing, email, SMS, automation, analytics, artificial intelligence, scheduling, video, webinar, learning management, and customer support tools.

Your information may be stored, processed, or transmitted through these providers.

Third-party platforms operate independently and may maintain their own:

Privacy policies;

Security practices;

Terms and conditions;

Financing agreements;

Payment authorizations;

Data processing rules;

Credit or underwriting requirements;

Consumer disclosures; and

Legal obligations.

MLEC does not control an independent lender's or financing provider's:

Credit approval decisions;

Underwriting;

Credit inquiries;

Financing eligibility standards;

Interest rates;

Fees;

Financing terms;

Repayment terms;

Account servicing;

Collection activity;

Credit reporting;

Identity verification practices;

Information retention practices; or

Other lender-controlled activities.

Your interactions directly with an independent lender or financing provider are also governed by that provider's applicable terms, disclosures, and privacy policy.

We encourage you to review those policies and agreements before submitting information or entering into a financing arrangement.

8. Marketing Communications, Email, and SMS

By providing your email address, phone number, or other contact information, you may receive service-related, administrative, billing, financing-related, legal, security, and marketing communications from MLEC, subject to applicable law and any required consent.

You may opt out of marketing emails by using the unsubscribe method included in the communication or by contacting us.

You may opt out of SMS marketing by following the opt-out instructions included in the message, such as replying STOP where applicable.

Please note that opting out of marketing communications does not necessarily prevent us from sending non-marketing communications related to:

An active purchase;

Account administration;

Billing;

Payment status;

Authorized payment arrangements;

Financing administration;

Security;

Legal notices; or

Other transactional or service-related matters where permitted by law.

Communications sent directly by a lender or financing provider are governed by that provider's own terms, privacy practices, consent requirements, and applicable law.

9. Recordings, Transcripts, and Meeting Summaries

Meetings, webinars, coaching sessions, consulting sessions, trainings, workshops, live events, group calls, and other program activities may be recorded, transcribed, summarized, or otherwise captured for educational, training, quality assurance, internal, documentation, replay, or program delivery purposes.

By attending, participating in, speaking during, appearing on video, submitting questions, or otherwise joining a recorded session or event, you acknowledge that recording, transcription, summary, capture, storage, and use may occur as disclosed or permitted by applicable law.

We may use artificial intelligence or third-party tools to help transcribe, summarize, or organize meeting content.

10. Confidentiality and Client Information

We use reasonable care in handling confidential business information you provide in connection with our Services.

We may use general, non-identifying information, lessons learned, trends, scenarios, or teaching points for educational, training, marketing, or business purposes, provided that we do not disclose your full name, business name, image, voice, screenshot, or other clearly identifying information without prior written consent, unless otherwise permitted by an applicable agreement or law.

If you participate in group coaching, communities, live trainings, events, or other group settings, information you voluntarily share may be heard, viewed, discussed, or responded to by MLEC and other participants in that setting.

You are responsible for deciding what information you voluntarily share in group spaces.

11. Financial and Sensitive Information

Certain transactions, including third-party financing, may require sensitive financial or identity-related information.

Whenever possible, highly sensitive information required by an independent lender, financing provider, or payment processor should be submitted directly through that provider's authorized and secure process rather than through MLEC's general email, SMS, community, chatbot, or other general communication channels.

Depending on the applicable transaction and authorization, MLEC may receive or process certain payment or financial information necessary to administer an authorized payment arrangement.

We do not intentionally request that you send complete credit card numbers, Social Security numbers, complete bank login credentials, or other highly sensitive financial credentials through ordinary email, SMS, community posts, or general website communications.

If sensitive information is required for a specific transaction, you should use the designated secure process or platform provided for that purpose.

12. Data Retention

We retain information for as long as reasonably necessary to:

Provide Services;

Manage accounts;

Complete transactions;

Administer payments;

Administer financing-related transactions;

Maintain transaction and funding records;

Maintain business records;

Satisfy accounting and tax requirements;

Comply with legal or contractual obligations;

Resolve disputes;

Address chargebacks or financing disputes;

Enforce agreements;

Prevent fraud;

Protect intellectual property; and

Support legitimate business purposes.

Retention periods may vary based on:

The type of information;

The Service provided;

The transaction involved;

Payment or financing requirements;

Legal requirements;

Accounting or tax obligations;

Contractual obligations;

Dispute needs;

Security needs; and

Operational requirements.

Information maintained independently by a third-party lender, financing provider, payment processor, or other service provider is subject to that provider's own retention practices and legal obligations.

When information maintained by MLEC is no longer reasonably needed, we may delete, de-identify, aggregate, archive, or securely retain it as permitted or required by applicable law and legitimate business needs.

13. Security

We use reasonable technical, administrative, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, loss, or destruction.

Safeguards may include:

Access controls;

Secure third-party platforms;

Authentication controls;

Encrypted communications where available;

Vendor safeguards; and

Internal procedures.

No method of internet transmission, electronic storage, platform hosting, email, SMS, payment processing, financing platform communication, or digital communication is completely secure.

We cannot guarantee absolute security.

You are responsible for using secure devices, protecting your login and account credentials, using designated secure payment or financing platforms, and notifying us promptly of suspected unauthorized access involving your MLEC account or information provided to MLEC.

Security incidents involving an independent lender or financing provider should also be reported directly to that provider.

14. Security Incidents

If we become aware of a security incident involving personal information maintained or controlled by MLEC, we may investigate, take appropriate steps to address the issue, notify affected individuals or authorities when required by applicable law, and cooperate with service providers or legal advisors as appropriate.

Not every security event constitutes a legally reportable breach.

Notice, if required, will be provided in accordance with applicable law.

Security events involving systems controlled independently by a lender, financing provider, payment processor, or other third party may be handled by that provider according to its own legal obligations and policies.

15. Your Privacy Rights and Choices

Depending on your state, country, and applicable law, you may have certain rights concerning your personal information.

These may include rights to request:

Access;

Correction;

Deletion;

Portability;

Restriction;

Objection;

Opt-out of certain processing; or

Information about how data is used or shared.

To submit a privacy request concerning information maintained by MLEC, contact:

[email protected]

or

[email protected]

We may need to verify your identity before processing a request.

Certain information may be retained when permitted or required for:

Legal obligations;

Contractual obligations;

Active transactions;

Payment administration;

Financing administration;

Accounting;

Tax compliance;

Security;

Dispute resolution;

Fraud prevention;

Agreement enforcement; or

Other lawful business purposes.

A privacy request concerning information maintained independently by a lender or financing provider may need to be submitted directly to that provider.

We will not discriminate against you for exercising privacy rights available under applicable law.

16. State Privacy Law Notice

Certain U.S. states provide residents with specific privacy rights.

If a state privacy law applies to information we maintain, MLEC will comply with applicable requirements.

We do not sell personal information for money.

Some state laws may define terms such as "sale," "share," targeted advertising, or similar concepts more broadly than an exchange for money.

Where applicable, you may contact us to request information concerning MLEC's processing or sharing practices or to exercise available privacy rights.

Information independently maintained by a third-party lender or financing provider is subject to that provider's obligations under applicable privacy and financial-services laws.

17. International Users

MLEC is based in the United States.

If you access our websites or Services from outside the United States, you understand that your information may be collected, transferred, stored, and processed in the United States or other countries where our service providers operate, subject to applicable law.

Privacy laws in those locations may differ from laws in your country.

Independent payment processors, financing providers, and other service providers may process information in additional locations according to their own privacy policies and legal obligations.

18. Sensitive Information, Health Information, and Biometric Data

Unless expressly requested through an authorized process for a specific Service or transaction, you should not submit highly sensitive information through our general websites, forms, portals, communities, email, SMS, chatbots, or other general communication channels.

Highly sensitive information may include:

Medical records;

Protected health information;

Biometric identifiers;

Social Security numbers;

Complete government identification numbers;

Complete payment card numbers;

Complete bank account credentials;

Banking passwords or login credentials; and

Highly sensitive third-party information.

Certain payment or financing transactions may require sensitive information.

When such information is required by an independent lender, financing provider, payment processor, identity verification provider, or other authorized provider, you should submit the information through the secure method designated by that provider.

MLEC does not intentionally collect biometric data for identification purposes through its public website.

If biometric information is ever collected for a specific Service, event, security feature, or platform, any notice or consent process required by applicable law will be provided.

MLEC is not a healthcare provider and does not provide medical care.

Our Services generally consist of business education, consulting, coaching, licensing guidance, and related business support.

If you provide health-related or other sensitive information, you represent that you are authorized to provide it.

19. Children and Age of Consent

Our Services are intended for adults who are at least eighteen (18) years old.

We do not knowingly collect personal information from children under thirteen (13).

If we learn that we collected personal information from a child in circumstances where parental or guardian consent is required, we will take reasonable steps consistent with applicable law.

Third-party financing options offered in connection with MLEC purchases are intended only for individuals legally eligible to enter into the applicable financing agreement.

20. Links to Other Websites and Services

Our websites and Services may contain links to third-party websites, applications, platforms, lenders, financing providers, payment processors, or other services.

These links are provided for convenience or to facilitate a transaction and do not mean that MLEC controls the third party.

We are not responsible for the independent privacy practices, security measures, content, underwriting practices, financing terms, or data practices of third-party websites or services.

Your use of an independent third-party website or service is governed by that provider's own privacy policy and applicable terms.

21. Business Transfers

If MLEC undergoes a merger, acquisition, restructuring, sale of assets, corporate financing transaction, transfer, or other business transaction, information may be transferred as part of that transaction.

Any successor or acquiring entity may continue to process information in accordance with this Privacy Policy unless otherwise stated or required by applicable law.

For clarity, the term "financing" in this Section refers to financing or investment involving MLEC itself and is separate from consumer or client financing used to purchase MLEC Services.

22. Changes to This Privacy Policy

We may update or modify this Privacy Policy from time to time.

When material changes are made, we may post the updated Privacy Policy on our website or provide notice by another reasonable method as appropriate.

Unless otherwise stated, changes become effective when posted or on the effective date identified in the updated policy.

The Privacy Policy applicable to a particular transaction may also be subject to an applicable Service Agreement, financing documentation, payment authorization, or other agreement.

Where required by applicable law, changes will not retroactively reduce rights that cannot lawfully be modified without additional notice or consent.

23. Contact Us and Withdrawing Consent

If you have questions about this Privacy Policy, wish to submit a privacy request, or want to withdraw consent where withdrawal is available under applicable law, contact:

[email protected]

or

[email protected]

Withdrawal of consent may affect our ability to provide certain Services or administer certain transactions.

Withdrawal of consent does not necessarily require deletion of information that MLEC is permitted or required to retain or process for:

Legal obligations;

Contractual obligations;

Billing;

Payment processing;

Financing administration;

Accounting;

Tax obligations;

Security;

Fraud prevention;

Dispute resolution;

Chargeback handling;

Agreement enforcement; or

Other lawful business purposes.

Where information is maintained independently by a third-party lender, financing provider, payment processor, or other service provider, requests concerning that provider's information practices should be submitted directly to the applicable provider.