PRIVACY & DATA GOVERNANCE SUMMARY

  1. What We Collect & Why
    Professional contact info (names, emails, job titles, billing details) for service delivery and payments. Data is not sold.

  2. Data Subprocessors

  • Stripe (payment processing)

  • Circle.so (digital campus & community)

  • HubSpot/SendGrid (CRM & transactional communication)

  1. International Transfers (UK-US Bridge)
    Data may be transferred between UK and US entities with safeguards, including standard contractual clauses.

  2. Your Rights
    Access, correction, or deletion requests can be made to the Data Protection Officer at [privacy email].

    1. B2C Digital Products (Analyst Tier – $499)
      All digital sales are final once the client logs into the Ratiomesh Campus.

    2. B2C High-Ticket Cohorts (Consultant & Titan Tiers)

    • Deposit: Non-refundable

    • Cooling-Off Period (UK): 14 days from booking, if cohort hasn’t started

    • Post-Start: No refunds after Day 1 of the program

    1. B2B Enterprise Engagements

    • Retainers & Pilots: Non-refundable once scheduling confirmed or work starts

    • Payment Terms: Standard invoices due Net 15 unless otherwise stated; late payments may incur interest