Privacy Policy

Additional Information

Last updated: June 12, 2025

This Privacy Policy describes the policies and procedures of CRMC & Associates LLC

(“Company,” “we,” “us,” or “our”) on the collection, use and disclosure of your information when

you use our website and tells you about your privacy rights and how the law protects you. We

use your Personal Data to provide and improve the Service. By using the Service, you agree to

the collection and use of information in accordance with this Privacy Policy.(cliftroach.com)

Interpretation and Definitions

Interpretation

Words with initial capital letters have meanings defined under the following conditions. The

definitions below have the same meaning whether they appear in singular or plural.

Definitions

● Account means a unique account created for you to access our Service or parts of our

Service.

● Partner means an entity that controls, is controlled by or is under common control with a

party; “control” means ownership of 50 % or more of the shares, equity interest, or other

securities entitled to vote for election of directors or other managing authority.

● Company (referred to as “the Company,” “we,” “us,” or “our” in this Agreement) refers to

CRMC & Associates LLC, Detroit, Michigan, USA.(cliftroach.com)

● Cookies are small files placed on your computer, mobile device, or any other device by

a website, containing the details of your browsing history on that website among many

uses.

● Country refers to: Michigan, USA.

● Device means any device that can access the Service such as a computer, cellphone,

or digital tablet.

● Personal Data is any information that relates to an identified or identifiable individual.

● Service refers to the Website.

● Service Provider means any natural or legal person who processes the data on behalf

of the Company. It refers to third-party companies or individuals employed by the

Company to facilitate the Service, to provide the Service on behalf of the Company, to

perform services related to the Service, or to assist the Company in analyzing how the

Service is used.

● Third-party Social Media Service refers to any website or social-network website

through which a user can log in or create an account to use the Service.

● Usage Data refers to data collected automatically, either generated by the use of the

Service or from the Service infrastructure itself (for example, the duration of a page visit).

● Website refers to Clift Roach — The Money Coach, accessible from

**https://cliftroach.com**

● You means the individual accessing or using the Service, or the company or other legal

entity on behalf of which such individual is accessing or using the Service, as applicable.

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data

While using our Service, we may ask you to provide us with certain personally identifiable

information that can be used to contact or identify you. Personally identifiable information may

include, but is not limited to:

● Email address

● First name and last name

● Phone number

● Address, State, Province, ZIP/Postal Code, City

● Usage Data

Usage Data

Usage Data is collected automatically when using the Service. Usage Data may include

information such as your Device’s Internet Protocol address (e.g., IP address), browser type,

browser version, the pages of our Service that you visit, the time and date of your visit, the time

spent on those pages, unique device identifiers and other diagnostic data.

When you access the Service by or through a mobile device, we may collect certain information

automatically, including, but not limited to, the type of mobile device you use, your mobile device

unique ID, the IP address of your mobile device, your mobile operating system, the type of

mobile Internet browser you use, unique device identifiers and other diagnostic data.

We may also collect information that your browser sends whenever you visit our Service or

when you access the Service by or through a mobile device.

Information from Third-Party Social Media Services

The Company allows you to create an account and log in to use the Service through the

following Third-party Social Media Services:

● Google

● Facebook

● Instagram

● Twitter

● LinkedIn

If you decide to register through or otherwise grant us access to a Third-party Social Media

Service, we may collect Personal Data that is already associated with your Third-party Social

Media Service account, such as your name, your email address, your activities or your contact

list associated with that account.

You may also have the option of sharing additional information with the Company through your

Third-party Social Media Service account. If you choose to provide such information and

Personal Data, you are giving the Company permission to use, share, and store it in a manner

consistent with this Privacy Policy.

Tracking Technologies and Cookies

We use Cookies and similar tracking technologies to track the activity on our Service and store

certain information. Tracking technologies used are beacons, tags, and scripts to collect and

track information and to improve and analyze our Service. The technologies we use may

include:

● Cookies or Browser Cookies. A cookie is a small file placed on your Device. You can

instruct your browser to refuse all Cookies or to indicate when a Cookie is being sent.

However, if you do not accept Cookies, you may not be able to use some parts of our

Service. Unless you have adjusted your browser setting so that it will refuse Cookies,

our Service may use Cookies.

● Web Beacons. Certain sections of our Service and our emails may contain small

electronic files known as web beacons (also referred to as clear gifs, pixel tags, and

single-pixel gifs) that permit the Company, for example, to count users who have visited

those pages or opened an email and for other related website statistics (for example,

recording the popularity of a certain section and verifying system and server integrity).

Cookies can be “Persistent” or “Session” Cookies. Persistent Cookies remain on your personal

computer or mobile device when you go offline, while Session Cookies are deleted as soon as

you close your web browser. We use both Session and Persistent Cookies for the purposes set

out below:

Cookie Type Purpose Duration Administered

Necessary / Essential

Authenticate users and prevent

fraudulent use of user accounts.

Session Us

Cookies Policy / Notice

Acceptance Cookies

Identify if users have accepted the

use of cookies.

Persiste

Functionality Cookies Remember choices you make (e.g.,

Persiste

Tracking & Performance

Analyze traffic and user interaction

with the Website; may identify you

indirectly.

Persiste

Third Parties

For more information on the cookies we use and your choices regarding cookies, please visit

our Cookies Policy or the Cookies section of this Privacy Policy.

Use of Your Personal Data

The Company may use Personal Data for the following purposes:

● To provide and maintain our Service, including to monitor the usage of our Service.

● To manage your Account: to manage your registration as a user of the Service.

● For the performance of a contract: the development, compliance and undertaking of

the purchase contract for products, items or services you have purchased, or any other

contract with us through the Service.

● To contact you: by email, telephone calls, SMS, or other equivalent forms of electronic

communication regarding updates or informative communications related to the

functionalities, products or contracted services, including security updates.

● To provide you with news, special offers, and general information about goods,

services and events that we offer and that are similar to those you have already

purchased or enquired about, unless you have opted not to receive such information.

● To manage your requests: to attend and manage your requests to us.

● To deliver targeted advertising to you: we may use your information to develop and

display content and advertising (and work with third-party vendors who do so) tailored to

your interests and/or location and to measure its effectiveness.

● For business transfers: to evaluate or conduct a merger, divestiture, restructuring,

reorganization, dissolution, or other sale or transfer of some or all of our assets.

● For other purposes: such as data analysis, identifying usage trends, determining the

effectiveness of our promotional campaigns, and improving our Service, products,

services, marketing and your experience.

Sharing Your Personal Information

We may share your personal information in the following situations:

● With Service Providers to monitor and analyze the use of our Service, to advertise on

third-party websites to you after you visited our Service, for payment processing, or to

contact you.

● For business transfers in connection with, or during negotiations of, any merger, sale

of Company assets, financing, or acquisition of all or a portion of our business.

● With Partners, requiring them to honor this Privacy Policy.

● With business partners to offer you certain products, services or promotions.

● With other users when you share personal information or otherwise interact in public

areas of the Service.

● With your consent for any other purpose.

Retention of Your Personal Data

The Company will retain your Personal Data only for as long as is necessary for the purposes

set out in this Privacy Policy and to comply with our legal obligations, resolve disputes, and

enforce agreements. Usage Data is retained for a shorter period unless it is used to improve

security or functionality or we are legally obligated to retain it longer.

Transfer of Your Personal Data

Your information, including Personal Data, may be processed at the Company’s operating

offices and in any other places where the parties involved in the processing are located.

Therefore, information may be transferred to—and maintained on—computers located outside

of your state, province, country or other governmental jurisdiction where the data-protection

laws may differ from those of your jurisdiction. Your consent to this Privacy Policy followed by

your submission of such information represents your agreement to that transfer.

Delete Your Personal Data

You have the right to delete or request that we assist in deleting Personal Data we have

collected about you. You may update, amend, or delete your information at any time by signing

into your Account (if you have one) and visiting the account-settings section or by contacting us.

We may need to retain certain information when we have a legal obligation or lawful basis to do

so.

Disclosure of Your Personal Data

● Business Transactions — If the Company is involved in a merger, acquisition, or asset

sale, your Personal Data may be transferred.

● Law Enforcement — The Company may disclose your Personal Data where required to

do so by law or in response to valid requests by public authorities.

● Other Legal Requirements — The Company may disclose your Personal Data in the

good-faith belief that such action is necessary to comply with a legal obligation, protect

and defend the rights or property of the Company, prevent or investigate wrongdoing,

protect the personal safety of users, or protect against legal liability.

Security of Your Personal Data

The security of your Personal Data is important to us, but remember that no method of

transmission over the Internet, or method of electronic storage, is 100 % secure. While we strive

to use commercially acceptable means to protect your Personal Data, we cannot guarantee its

absolute security.

Service Providers

We may employ third-party Service Providers to monitor and analyze the use of our Service.

Analytics

● Google Analytics — A web-analytics service offered by Google that tracks and reports

website traffic. Opt-out: install the Google Analytics opt-out browser add-on. For more

information, visit Google’s Privacy & Terms: https://policies.google.com/privacy

● Matomo — A web-analytics service. Privacy Policy: https://matomo.org/privacy-policy

Email Marketing

We may use your Personal Data to contact you with newsletters, marketing or promotional

materials and other information that may interest you. You can opt-out by following the

unsubscribe link or instructions provided in any email we send or by contacting us.

Payments

We may provide paid products and/or services within the Service and use third-party payment

processors (e.g., PayPal, Authorize.net). We will not store or collect your payment-card details;

that information is provided directly to the payment processors whose use of your Personal Data

is governed by their Privacy Policy.

Behavioral Remarketing

The Company uses remarketing services (e.g., Google Ads, Facebook) to advertise to you after

you access or visit our Service. These third-party vendors use Cookies and non-cookie

technologies to recognize your Device and understand how you use our Service. You can opt

out of personalized advertising by visiting the opt-out pages of the relevant services or adjusting

your mobile-device settings.

Children’s Policy

Our Service does not address anyone under the age of 13. We do not knowingly collect

personally identifiable information from anyone under 13. If you are a parent or guardian and

you are aware that your child has provided us with Personal Data, please contact us. If we

become aware that we have collected Personal Data from anyone under 13 without verification

of parental consent, we will take steps to remove that information from our servers.

Links to Other Websites

Our Service may contain links to other websites that are not operated by us. If you click on a

third-party link, you will be directed to that third-party site. We strongly advise you to review the

the content, privacy policies, or practices of any third-party sites or services.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by

posting the new Privacy Policy on this page and updating the “Last updated” date at the top. We

may also notify you via email and/or a prominent notice on our Service before the change

becomes effective. You are advised to review this Privacy Policy periodically for any changes.

Changes are effective when they are posted on this page.

If you have any questions about this Privacy Policy, you can contact us:

● By email: business@cliftroach.com

● By phone: (313) 850-5474(cliftroach.com)