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      <h1>Privacy Policy</h1>
      <p class="meta"><strong>Effective Date:</strong> June 1, 2024 &nbsp;|&nbsp; <strong>Last Updated:</strong> August 12, 2025</p>

      <p>This Privacy Policy explains how <strong>The Davis Family Group of Businesses</strong> (also “<strong>DFG</strong>,” “<strong>we</strong>,” “<strong>us</strong>,” or “<strong>our</strong>”) collects, uses, shares, and protects personal information.</p>

      <h2>Contact Us</h2>
      <p>
        <strong>The Davis Family Group of Businesses</strong><br>
        916 Innisbrook Dr, Evans, GA 30809<br>
        Phone: 706-922-2020<br>
        Email: <a href="mailto:info@dfgbiz.com">info@dfgbiz.com</a>
      </p>

      <h2>1) Scope</h2>
      <p>This Policy covers personal information we collect through our websites (including dfgbiz.com), forms, emails, consultations, events, and tools (for example, our ROI and Top-of-Funnel calculators). It does <strong>not</strong> cover data we process strictly as a service provider on behalf of clients under separate agreements (see Section 12).</p>

      <h2>2) Information We Collect</h2>
      <ul>
        <li><strong>Identity &amp; Contact:</strong> name, company, role/title, email, phone, postal address.</li>
        <li><strong>Commercial &amp; Account:</strong> service inquiries, invoices, subscriptions, purchases, meeting history.</li>
        <li><strong>Usage &amp; Device:</strong> pages viewed, time on page, referring pages, IP address, browser, OS, device identifiers, and similar telemetry (via cookies or analytics).</li>
        <li><strong>Communications:</strong> emails, messages, call notes, meeting recordings (if applicable and disclosed).</li>
        <li><strong>Marketing Preferences:</strong> newsletter opt-in/opt-out, topics of interest.</li>
      </ul>
      <p>We collect information directly from you, automatically via our site, and from service providers or publicly available business sources where permitted.</p>

      <h2>3) How We Use Information</h2>
      <p>We use personal information to:</p>
      <ul>
        <li>Provide and improve our services, tools, and websites.</li>
        <li>Communicate with you (support, updates, newsletters you opt into).</li>
        <li>Personalize content and recommendations (e.g., which tools or pages may help).</li>
        <li>Process payments and manage accounts.</li>
        <li>Monitor security and prevent fraud or misuse.</li>
        <li>Comply with law and enforce agreements.</li>
      </ul>
      <p>Where required (e.g., under GDPR in the UK/EU), our legal bases may include consent, contract necessity, legitimate interests (such as improving services and site security), and legal obligations.</p>

      <h2>4) Cookies, Analytics, and Tracking</h2>
      <p>We use cookies and similar technologies to operate the site, understand engagement, and improve performance. You may control cookies in your browser settings. If you enable a <strong>Global Privacy Control (GPC)</strong> signal, and we engage in activities defined as “selling” or “sharing” personal information under California law, we will treat that signal as a valid opt-out request.</p>

      <h2>5) “Sell” or “Share” of Personal Information (California)</h2>
      <p>We <strong>do not sell or share</strong> personal information as those terms are defined by the California Consumer Privacy Act as amended by the CPRA. If that changes, we will update this Policy, provide required notices, honor opt-out preference signals, and display a <em>“Do Not Sell or Share My Personal Information”</em> link as applicable.</p>

      <h2>6) Children’s Privacy</h2>
      <p>Our services are intended for business professionals and are <strong>not</strong> directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided us information, contact us and we will delete it as required by the Children’s Online Privacy Protection Act (COPPA).</p>

      <h2>7) How We Share Information</h2>
      <p>We do <strong>not</strong> sell your personal information. We may share limited data with:</p>
      <ul>
        <li><strong>Service Providers</strong> (e.g., hosting, payment processing, email and analytics) under contracts that restrict use to our instructions.</li>
        <li><strong>Professional Advisors</strong> (legal, tax, compliance) as needed.</li>
        <li><strong>Law, Safety, and Rights</strong> (to comply with legal process or protect our rights or users).</li>
        <li><strong>Business Transfers</strong> (e.g., merger, acquisition) with appropriate safeguards.</li>
      </ul>

      <h2>8) Data Security</h2>
      <p>We use reasonable administrative, technical, and physical safeguards to protect personal information from unauthorized access, disclosure, alteration, or destruction. No method is 100% secure, but we continually improve controls consistent with privacy and security guidance.</p>

      <h2>9) Data Retention</h2>
      <p>We retain personal information only as long as necessary for the purposes described above or as required by law. When retention is no longer needed, we delete or de-identify information consistent with applicable standards.</p>

      <h2>10) Your Rights &amp; Choices</h2>
      <p><strong>Email &amp; marketing:</strong> You can opt out of marketing emails at any time via the unsubscribe link or by contacting us.</p>
      <p><strong>Cookies &amp; tracking:</strong> Manage cookies in your browser. If applicable, we honor opt-out preference signals such as GPC.</p>
      <p><strong>State-specific rights (examples):</strong></p>
      <ul>
        <li><strong>California (CPRA/CCPA):</strong> access, delete, correct, and (if selling/sharing or using sensitive personal information beyond limited purposes) opt out or limit; non-discrimination for exercising rights.</li>
        <li><strong>Virginia (VCDPA):</strong> access, correct, delete, data portability, and opt-out of targeted advertising, sale, and certain profiling.</li>
      </ul>
      <p>To submit a request, email <a href="mailto:info@dfgbiz.com">info@dfgbiz.com</a>. We will verify your request consistent with applicable law and respond within required timelines.</p>

      <h2>11) International Users</h2>
      <p>If you are located outside the U.S., your information may be processed in the U.S. or other countries with different data protection laws. Where required (e.g., UK/EU), we identify a lawful basis (see Section 3) and apply appropriate safeguards.</p>

      <h2>12) When We Act as a Service Provider/Processor</h2>
      <p>For certain client engagements, we handle personal information strictly under our client’s instructions and our contract (e.g., a data processing addendum). In those cases, the client is the “controller” (or equivalent) and their privacy notice governs. We require confidentiality, security, and deletion/return at the end of the engagement consistent with law and contract.</p>

      <h2>13) Changes to This Policy</h2>
      <p>We may update this Policy periodically. If we make material changes, we will post the updated version here with a new “Last Updated” date and, where legally required, provide additional notice.</p>

      <h2>14) How to Contact Us</h2>
      <p>
        <strong>The Davis Family Group of Businesses</strong><br>
        916 Innisbrook Dr, Evans, GA 30809<br>
        Phone: 706-922-2020<br>
        Email: <a href="mailto:info@dfgbiz.com">info@dfgbiz.com</a>
      </p>

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