Bank&Breathe

Privacy Policy

Bank & Breathe

Last updated: [Insert date]

At Bank & Breathe, we value trust, care, and clarity. Your privacy and your understanding of how we operate matters deeply to us. This document combines our Privacy Policy with our Full Disclaimer and Transparency Statement to ensure full alignment between our values and our practices.

We collect only what is necessary to operate thoughtfully. We do not sell your personal data.
We also uphold transparency in our writing, teaching, and digital processes so you know exactly what to expect when engaging with our work.

1. Information We Collect

We may collect limited personal information when you:

• Subscribe to our newsletter or mailing list

• Download a resource or register for an event

• Purchase a product, course, or digital offering

• Contact us directly

This information may include your name, email address, and payment information (processed securely by third-party providers; we do not store credit card details).

We may also collect non-identifying usage data such as page views, link clicks, or email engagement to understand how our content is used and improve the experience.

2. How We Use Your Information

Your information is used to:

• Deliver content and resources you’ve requested

• Send newsletters, updates, or communications related to Bank & Breathe

• Provide customer support

• Improve our content, offerings, and user experience

• Comply with legal obligations

We do not use your data for manipulation, unsolicited marketing, or purposes unrelated to this platform.

3. Email Communications

If you subscribe to Bank & Breathe, you may receive emails from us. You can unsubscribe at any time using the link included in every email—no explanation required.

4. Third-Party Services

Bank & Breathe uses trusted third-party services to operate, including:

• Email and publishing platforms (such as Substack or similar providers)

• Payment processors

• Website analytics tools

These providers only receive the information necessary to perform their services and are required to handle it securely.

5. Cookies & Analytics

We may use cookies or similar technologies to understand how visitors interact with our website and content. This helps us improve usability and relevance.

You can manage or disable cookies through your browser settings if you prefer.

6. Data Security

We take reasonable steps to protect your personal information. However, no method of online transmission or storage is completely secure. While we strive to safeguard your data, we cannot guarantee absolute security.

7. Your Rights

Depending on your location, you may have the right to:

• Access the personal information we hold about you

• Request corrections or deletion of your data

• Withdraw consent for communications

Requests can be made by contacting us directly.

8. Children’s Privacy

Bank & Breathe is not intended for children under the age of 13. We do not knowingly collect personal information from minors.

9. Educational Purpose & Use of Content

All content shared through Bank & Breathe—including articles, workshops, digital downloads, and communications, is for educational, informational, and reflective purposes only.
We do not provide:

• Financial or investment advising

• Legal or tax counsel

• Mental‑health or medical treatment

• Services requiring professional licensure

You should seek professional help from a licensed expert if you need personalized legal, medical, or financial advice.

10. Intellectual Property & Content Integrity

Unless otherwise stated, all original writing, frameworks, visuals, and teaching materials are the intellectual property of Judith Nwoke / Bank & Breathe.
You may not reproduce, distribute, or republish content without written consent.
When external materials or quotes are used, full credit is given to their original creators.

If you share our content, please credit Bank & Breathe and link back to the original source.

11. Transparency and Ethical Use of AI

To maintain transparency and ethical practice:

• AI tools may support tasks like editing, grammar checking, or content formatting.

• AI does not generate the central ideas, insights, or lived experiences expressed.

• All final content is reviewed and approved by the author.

• Authorship and intellectual property remain solely with Bank & Breathe.

12. Limitation of Liability

Bank & Breathe does not guarantee any financial, emotional, or personal outcomes from engagement with our materials.
By using our content, you agree that Bank & Breathe is not responsible for:

• Decisions or actions you take based on our materials

• Losses, damages, or misinterpretation of content

• Technical issues, errors, or outdated information

Use all resources at your own discretion and responsibility.

13. Updates to This Policy and Disclaimer

This policy and disclaimer may be updated periodically to reflect best practices or changes in legal requirements. Any updates will be posted here with the revised date.

14. Contact Us

If you have questions about this Privacy Policy, Disclaimer, or our general practices, please contact:

Bank & Breathe
Email: bank@bankandbreathe.com

Our Commitment

At Bank & Breathe, privacy is part of integrity.
We believe clarity builds trust—and trust is essential for meaningful, sustainable work.
Thank you for being part of this reflective and ethical community.