Effective date: July 31, 2026

1. Who We Are

Kunkel Group, LLC operates the Before They Call online storefront and sells downloadable business guides and related digital products.

In this Privacy Policy, “Kunkel Group,” “we,” “us,” and “our” refer to Kunkel Group, LLC. “Store” refers to our Payhip storefront and the pages, products, and services offered through it.

This Privacy Policy explains what personal information may be collected when you visit the Store, purchase a product, contact us, or otherwise interact with us.

2. Information We Collect

Depending on how you use the Store, we may receive the following information:

Information you provide

• Your name
• Your email address
• Billing information
• Information included in a customer-service request
• Your order number and purchase history
• Any information you voluntarily provide through a contact form or checkout question
• Your communication and marketing preferences

Transaction information

When you purchase a product, Payhip and Stripe process information necessary to complete the transaction. This may include:

• The product purchased
• Purchase price
• Date and time of purchase
• Billing location
• Payment status
• Refund or dispute information
• Fraud-prevention information

We do not directly receive or store your complete credit or debit card number. Payment credentials are processed by Stripe and other payment-service providers.

Technical information

Payhip, Stripe, and their service providers may automatically collect technical information such as:

• Internet Protocol address
• Browser and device type
• Operating system
• Pages viewed
• Referring website
• Approximate location
• Cookies and similar technologies
• Information used for security, fraud detection, and checkout functionality

3. How We Use Information

We may use personal information to:

• Process and confirm purchases
• Deliver digital products
• Provide receipts and download access
• Respond to questions and customer-service requests
• Resolve technical problems
• Process approved refunds
• Prevent fraud, abuse, and unauthorized transactions
• Maintain financial, tax, and business records
• Enforce our Terms of Service and Refund Policy
• Improve our products and Store
• Comply with legal and regulatory requirements
• Send product or business updates when you have consented to receive them

We will not add you to a promotional email list solely because you purchased a product unless applicable law permits it and you were given an appropriate opportunity to consent or opt out.

4. How Information Is Shared

We may share personal information with service providers that help operate the Store, including:

• Payhip, which hosts the Store, manages product access, and helps deliver digital products
• Stripe, which processes payments and supports fraud prevention, authentication, refunds, and disputes
• Technology, email, accounting, legal, or administrative service providers
• Government agencies, courts, or regulators when disclosure is legally required
• A successor organization if Kunkel Group is involved in a merger, acquisition, reorganization, or sale of business assets

These providers may process information under their own privacy policies and legal obligations.

We do not sell personal information. We do not share personal information for cross-context behavioral advertising.

5. Cookies and Similar Technologies

The Store and its service providers may use cookies and similar technologies to:

• Operate essential Store functions
• Maintain checkout and account sessions
• Remember customer preferences
• Prevent fraud and improve security
• Measure Store performance
• Provide optional analytics when enabled

You can manage cookies through your browser and, where available, through the Store’s cookie banner. Disabling essential cookies may prevent checkout, account, or download functions from working properly.

6. Email Communications

Transactional emails may be sent to provide:

• Order confirmations
• Receipts
• Download links
• Product-access information
• Customer-service responses
• Important notices concerning a purchase

You may unsubscribe from promotional emails through the unsubscribe link provided in the message or by contacting us. Transactional messages related to an existing purchase may still be sent.

7. Data Retention

We retain personal information only for as long as reasonably necessary to:

• Fulfill purchases
• Provide customer support
• Maintain tax, accounting, and transaction records
• Resolve disputes and chargebacks
• Prevent fraud
• Meet legal and regulatory requirements

Payhip, Stripe, and other service providers may retain transaction information independently under their own policies and legal obligations.

8. Data Security

We use reasonable administrative and technical safeguards designed to protect the information under our control.

No website, payment system, or electronic transmission can be guaranteed to be completely secure. You are responsible for protecting the confidentiality of your email account, passwords, and download links.

9. Your Privacy Rights

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

• Confirm whether we process your personal information
• Request access to personal information
• Request correction of inaccurate information
• Request deletion of information
• Request a portable copy of certain information
• Withdraw consent where processing is based on consent
• Opt out of promotional communications
• Opt out of the sale of personal information, targeted advertising, or certain profiling

Kunkel Group does not sell personal information or use personal information for targeted advertising.

To submit a privacy request, email kunkel.sk@gmail.com with the subject line Privacy Request. We may need to verify your identity before completing the request.

If we deny a request and applicable law provides an appeal right, you may appeal by replying with the subject line Privacy Appeal.

10. Children’s Privacy

The Store and its products are intended for business owners and adults. They are not directed to children under 13, and we do not knowingly collect personal information from children under 13.

If you believe a child has provided personal information, contact us so that we can review and, where appropriate, delete it.

11. International Customers

Payhip, Stripe, and other service providers may process information in countries other than the country where you live. Those countries may have different data-protection laws.

By using the Store, you acknowledge that information may be processed and stored in accordance with the policies and safeguards of those providers.

12. Third-Party Services and Links

The Store may link to Payhip, Stripe, the Steve Kunkel website, social platforms, or other third-party services.

Kunkel Group is not responsible for the privacy practices, security, or content of independently operated third parties. Review their privacy policies before providing information.

13. Changes to This Policy

We may update this Privacy Policy to reflect changes in our products, Store, service providers, or legal obligations.

The effective date at the top of the policy will be revised when material changes are made.

14. Contact

Questions or requests concerning this Privacy Policy may be sent to:

Kunkel Group, LLC

Email: kunkel.sk@gmail.com