Privacy Policy

Last updated: June 8, 2026

This Privacy Policy describes how 9975632 Canada Inc. collects, uses, stores, shares, and protects personal information when You use Our Website, products, services, programs, communities, courses, memberships, digital resources, artificial intelligence tools, AI Chat Assistant, online store, events, and related offerings.

By using Our Website or Service, You agree to the collection and use of information in accordance with this Privacy Policy.

If You do not agree with this Privacy Policy, You should not use Our Website or Service.

1. Interpretation and Definitions

For the purposes of this Privacy Policy:

Company refers to 9975632 Canada Inc., 314-3494, boul. des Sources, Dollard-des-Ormeaux, QC H9B 1Z9, referred to as “the Company,” “We,” “Us,” or “Our.”

Website refers to stephenlibman.com, accessible from https://stephenlibman.com.

Service means the Website and all products, services, programs, memberships, communities, courses, digital content, AI tools, AI Chat Assistant, online store, resources, communications, and related offerings provided by or through the Company.

AI Tools means any artificial intelligence tools, chatbots, AI chat assistants, automated prompts, summaries, calculators, analysis tools, content generators, or AI-assisted features made available by the Company as part of the Service.

AI Chat Assistant means any AI-powered chat assistant, support tool, question-and-answer tool, educational assistant, or similar feature provided by the Company.

Personal Information means information about an identifiable individual, which may include name, email address, phone number, mailing address, billing information, account information, purchase history, program participation, submitted content, communications, and other information that can reasonably identify You.

Third-party Services means services, platforms, software, payment processors, community platforms, video platforms, AI providers, email platforms, booking tools, analytics tools, print-on-demand providers, or other services provided by third parties that may be used, displayed, linked, integrated, or made available through the Service.

You means the individual accessing or using the Service, or the company, organization, or legal entity on behalf of which such individual is accessing or using the Service, as applicable.

2. Information We Collect

We may collect Personal Information that You provide directly to Us, information collected automatically when You use the Website or Service, and information received from Third-party Services.

2.1 Information You Provide to Us

We may collect information You provide when You:

visit Our Website;
create an account;
make a purchase;
register for a program, course, membership, webinar, event, or community;
complete a form;
book a call or appointment;
subscribe to an email list or newsletter;
contact Us for support;
submit questions, comments, testimonials, or feedback;
participate in communities, chats, comments, forums, or member spaces;
upload documents, files, images, deal information, or other content;
use Our AI Tools or AI Chat Assistant.

This information may include:

name;
email address;
phone number;
mailing address;
billing address;
payment-related information;
purchase history;
program registration details;
account login information;
messages and communications with Us;
community posts, comments, chats, and interactions;
survey responses;
testimonials and feedback;
business, real estate, investing, or financial information You choose to submit;
prompts, questions, inputs, files, and other content You submit into AI Tools or the AI Chat Assistant.

2.2 Payment Information

When You make a purchase, payment information may be collected and processed by third-party payment processors.

We may receive limited payment-related information such as transaction status, payment amount, billing details, last four digits of a payment card, invoice records, or payment confirmation.

We do not intentionally store complete credit card numbers on Our own systems.

2.3 Information Collected Automatically

When You access the Website or Service, certain information may be collected automatically, including:

IP address;
browser type;
device type;
operating system;
referring URLs;
pages visited;
time and date of visits;
links clicked;
approximate location information;
usage data;
cookies and similar tracking technologies.

This information may be used for website functionality, analytics, security, troubleshooting, marketing, and improving the Service.

2.4 Information from Third-party Services

We may receive information from Third-party Services used to operate Our business, including payment processors, email platforms, community platforms, video platforms, scheduling tools, analytics tools, AI providers, social media platforms, advertising platforms, and online course or membership platforms.

The information received depends on Your interaction with those services and their own privacy policies.

3. How We Use Your Information

We may use Personal Information to:

provide and operate the Website and Service;
process orders, payments, registrations, and transactions;
deliver products, services, programs, memberships, courses, communities, and digital resources;
provide access to AI Tools and the AI Chat Assistant;
respond to questions, support requests, comments, and inquiries;
manage accounts, access, memberships, and community participation;
send confirmations, receipts, reminders, updates, and administrative communications;
personalize or improve Your experience;
provide educational support, feedback, or resources;
review, monitor, improve, or troubleshoot AI Tools and user experience;
analyze Website, program, community, and service usage;
improve Our products, services, content, marketing, and communications;
send newsletters, promotions, offers, event invitations, and marketing communications, where permitted by law;
request feedback, testimonials, or survey responses;
protect against fraud, abuse, security threats, unauthorized access, or misuse;
enforce Our Terms and Conditions;
comply with legal, regulatory, tax, accounting, or business obligations;
maintain business records.

4. AI Tools and AI Chat Assistant

The Company may provide AI Tools, including an AI Chat Assistant, as part of the Website, programs, memberships, communities, resources, or related offerings.

When You use AI Tools or the AI Chat Assistant, We may collect, process, store, review, or analyze:

the prompts, questions, or inputs You submit;
uploaded files, documents, deal information, or other materials You provide;
AI-generated responses or outputs;
usage history;
feedback You provide about AI responses;
technical and diagnostic information related to the AI Tool.

We may use this information to:

provide AI-assisted functionality;
respond to Your questions;
improve educational resources;
troubleshoot errors;
monitor quality and safety;
improve the user experience;
develop or refine prompts, tools, workflows, or support systems;
enforce Our Terms and Conditions;
comply with legal obligations.

Some AI Tools may be powered by Third-party Services or third-party AI providers. Information You submit into an AI Tool may be processed by those providers according to their own systems, terms, and privacy practices.

You should not submit sensitive, confidential, private, privileged, personal, financial, legal, tax, medical, banking, login, password, identification, or third-party confidential information into any AI Tool unless You are comfortable doing so and have the legal right to share that information.

AI-generated responses are not financial, investment, legal, tax, accounting, real estate, lending, insurance, professional, or personal advice.

5. Marketing Communications

We may use Your contact information to send newsletters, updates, promotions, event invitations, program information, educational content, or other marketing communications where permitted by law.

You may unsubscribe from marketing emails by clicking the unsubscribe link in any marketing email or by contacting Us.

Even if You unsubscribe from marketing communications, We may still send transactional or administrative messages, such as receipts, account notices, program access information, legal notices, or service-related updates.

6. Cookies and Tracking Technologies

We may use cookies, pixels, tags, analytics tools, and similar technologies to:

operate the Website;
remember preferences;
improve functionality;
analyze traffic and usage;
understand user behaviour;
support marketing and advertising;
improve the Service;
protect against fraud or misuse.

You can choose to disable cookies through Your browser settings. However, disabling cookies may affect the functionality, performance, or availability of certain parts of the Website or Service.

Third-party platforms, including analytics providers, advertising platforms, embedded content providers, payment processors, and social media platforms, may also use cookies or tracking technologies according to their own privacy policies.

7. How We Share Information

We do not sell Your Personal Information.

We may share Personal Information with trusted Third-party Services and service providers who help Us operate Our business and provide the Service.

These may include:

payment processors;
email marketing platforms;
website hosting providers;
analytics providers;
customer relationship management systems;
scheduling tools;
online course platforms;
community platforms;
video conferencing and video hosting platforms;
AI providers;
print-on-demand or merchandise providers;
professional advisors, such as lawyers, accountants, bookkeepers, consultants, or compliance advisors;
contractors, team members, or support providers who assist with business operations.

We may also share information:

with Your consent;
to complete a transaction or provide a service You requested;
to comply with legal obligations;
to respond to lawful requests by authorities;
to protect Our rights, property, safety, users, or business;
to enforce Our Terms and Conditions;
in connection with a business transfer, merger, sale, restructuring, or similar transaction.

8. Third-party Services and Links

The Website and Service may contain links to, integrations with, or embedded content from Third-party Services.

We are not responsible for the privacy practices, terms, security, content, or data handling of Third-party Services.

Your use of Third-party Services may be subject to their own privacy policies and terms.

We encourage You to review the privacy policies of any Third-party Services You use.

9. Data Security

We use reasonable administrative, technical, and organizational safeguards to help protect Personal Information against unauthorized access, use, disclosure, alteration, or destruction.

However, no method of transmission over the internet or method of electronic storage is completely secure.

We cannot guarantee absolute security.

You are responsible for keeping Your account credentials, passwords, and access links confidential.

10. Data Retention

We retain Personal Information only as long as reasonably necessary for the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law.

We may retain information to:

provide the Service;
manage accounts and purchases;
maintain business, tax, accounting, and legal records;
resolve disputes;
enforce agreements;
comply with legal obligations;
improve services;
maintain security;
preserve legitimate business records.

When Personal Information is no longer required, We will take reasonable steps to delete, anonymize, or securely dispose of it, subject to legal and business requirements.

11. International Transfers

Some Third-party Services used by the Company may store or process information outside Quebec, outside Canada, or in other jurisdictions.

By using the Service, You acknowledge that Your information may be transferred to, stored in, or processed in jurisdictions where privacy laws may differ from those in Your province, state, territory, or country.

We take reasonable steps to use service providers that protect Personal Information appropriately, but We cannot control every aspect of third-party data processing.

12. Your Rights and Choices

Depending on where You live, You may have the right to:

access Personal Information We hold about You;
request correction of inaccurate information;
request deletion of certain information;
withdraw consent where processing is based on consent;
object to or restrict certain uses;
request information about how Your Personal Information is used or shared;
unsubscribe from marketing communications;
file a complaint with a privacy authority.

To make a privacy request, contact Us using the contact information below.

We may need to verify Your identity before responding to a request.

Some information may need to be retained for legal, tax, accounting, security, dispute resolution, or legitimate business purposes.

13. Children’s Privacy

The Service is not intended for children or individuals under the age of majority in their province, state, territory, or country of residence.

We do not knowingly collect Personal Information from children.

If You believe a child has provided Personal Information to Us, please contact Us so We can take appropriate steps.

14. Community and Public Areas

If You post, comment, share, or submit information in a community, forum, group, chat, live session, comment area, or other interactive space, that information may be visible to other participants, members, administrators, moderators, or service providers.

You should not post information that You consider private, confidential, sensitive, or proprietary.

We are not responsible for how other users may use information You choose to share in community or public areas.

15. Legal and Regulatory Compliance

We may collect, use, retain, or disclose Personal Information where reasonably necessary to comply with legal, regulatory, tax, accounting, security, or business obligations.

This may include responding to lawful requests, protecting against fraud or misuse, enforcing Our Terms and Conditions, resolving disputes, and protecting the rights, safety, and property of the Company, users, or others.

16. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

When We update this Privacy Policy, We will revise the “Last updated” date at the top of this page.

Changes are effective when posted on this page.

Your continued use of the Website or Service after changes are posted means You accept the updated Privacy Policy.

17. Contact Us

If You have any questions about this Privacy Policy or wish to make a privacy request, You can contact Us:

By email: privacy@stephenlibman.com

Company: 9975632 Canada Inc.
Address: 314-3494, boul. des Sources, Dollard-des-Ormeaux, QC H9B 1Z9
Website: https://stephenlibman.com