FREE TRAINING: How to Build Legacy WITHOUT LOSING YOUR SOUL
Privacy Policy
Last updated August 7, 2026.
We strive to offer visitors to Our Website the many advantages of internet technology and to provide an interactive and personalized experience. We may use personally identifiable information, meaning your name, email address, street address, and telephone number, subject to the terms of this Privacy Policy.
This Privacy Policy explains what personal information Factive Nautics Chad E Cooper FNCEC, LLC, doing business as SIRV Institute ("We," "Us," "Our"), collects through www.sirvinstitute.com, www.chadecooper.com, and Our member portal and AI Voice Agent Services, and what We do with it. It should be read together with Our Terms and Conditions.
Who this applies to
Our Services are intended only for individuals who are 18 years of age or older. See Children and Eligibility below.
How We Gather Information
Information you give Us directly. Name, email address, phone number, mailing address, and payment information when you register for an account, purchase a Service, complete a form, enter a contest, sweepstakes or giveaway, subscribe to communications, or contact Us. Any information you choose to share during a coaching engagement or an AI Voice Agent session.
Information collected automatically. When you visit Our Website, Our servers and service providers may log standard technical information including your IP address, the name of your internet service provider, browser type and version, device and operating system information, referring pages, and the pages you visit on Our site. This is collected through server logs, cookies, and similar technologies as described under Cookies and Tracking below.
AI Voice Agent session data. If you use an AI Voice Agent, We collect a transcript of the session, and, depending on Our current configuration, an audio recording. See AI Voice Agent Services below for what is currently retained and for how long.
How We Use Information
The collection of information, and combination with previously collected information, to select and deliver content for you, and to measure the delivery and effectiveness of such content. This includes using previously collected information about your interests to select content, processing data about what content was shown, how often or how long it was shown, when and where it was shown, and whether the you took any action related to the content, including for example clicking on content. This does not include personalization, which is the collection and processing of information about your use of this service to subsequently personalize content and/or advertising for you in other contexts, such as websites or apps, over time.
AI Voice Agent Services
Some Services include interactive sessions with artificial intelligence voice agents. This section describes how We handle the data those sessions create. The consent you give, and the eligibility rules that apply, are set out in the AI Voice Agent Services section of Our Terms and Conditions, which forms part of this Policy by reference.
What is recorded. Sessions are transcribed. Whether audio is also retained depends on Our current privacy configuration for the specific AI Voice Agent, which We may change from time to time. As of the date of this Policy, audio recording is disabled for Our AI Voice Agents and only the text transcript is retained.
Who processes it. Session data is processed by Our voice AI technology provider and, in turn, by the large language model providers that provider uses to generate responses. Those providers are contractually prohibited from using your session content to train their models.
How long it is kept. Transcripts are retained for a limited period tied to the purpose of the session, currently ninety days from the date of the session, after which they are deleted. Any audio, on any AI Voice Agent where audio retention is enabled, is subject to the same or a shorter period. Backups of deleted data may persist for a short defined period, currently up to thirty days, after which they are not recoverable. Certain limited technical logs used for debugging, abuse prevention, or security may be retained separately from the transcript itself.
Requesting deletion. You may request deletion of a specific session's data at any time using the contact details below. We will action a verified request without undue delay.
Categories of Recipients
We share personal information with the following categories of service providers, each acting on Our behalf and under contractual obligations to protect it:
*Our customer relationship management, membership, and website hosting platform
*Our payment processor
*Our AI voice technology provider, and its language model sub-processors, solely for AI Voice Agent sessions
*Our email and communications providers
*Third parties who provide technical support for the operation of Our Website and Services, who may have access to information in the course of providing that support
We do not sell your personal information, and We do not share it with third parties for their own independent marketing purposes.
We may use and share aggregated information that does not identify you personally, for example to understand
which pages are most visited or which features are most used.
We may disclose information where required by law, in response to a court order or lawful request, to enforce Our Terms, in connection with the collection of amounts you may owe Us, to protect the rights, property, or safety of Us or others, or in connection with a sale, merger, or reorganization of Our business, in which case this Policy would continue to apply to the transferred information unless you are notified otherwise. In some circumstances We may not be able to notify you before such a disclosure.
Cookies and Tracking
Our Website uses cookies and similar technologies to operate correctly, to keep you signed in by storing session information for your account, to remember your preferences including prior consent choices, and to understand aggregate usage of the site.
We and Our service providers may also use these technologies for analytics and measurement, meaning understanding how visitors find and use Our Website so We can improve it, and to control how often you see a given piece of Our own content or promotion. Where any of these technologies are provided by a third party, that third party may set its own cookies and may have its own privacy policy governing its use of the information it collects.
You can control cookies through the consent banner presented on the Website and through your browser settings. Rejecting non-essential cookies will not prevent you from using the core Services but may affect some site functionality.
Affiliated Sites, Linked Sites, and Public Areas
We are not necessarily affiliated with websites that may be linked from Our Website, and We are not responsible for their content or their privacy practices. Linked sites are provided for your convenience and you access them at your own risk. Third parties accessible through Our Website, including partners, advertisers, and other content providers, may have their own privacy and data collection policies, and you should review those policies when providing information on any page or feature operated by a third party. Some content may appear framed within Our Website while originating from a third party. We are not responsible for the acts or omissions of any third party.
If you voluntarily disclose personal information in a community, group, forum, comment area, or any other shared or public area of Our Services, that information can be viewed by others and may be collected and used by third parties outside Our control. Please use discretion in what you choose to share in those areas.
Data Retention
Beyond the AI Voice Agent retention periods described above, We retain account and transaction information for as long as your account is active, and afterward for the period needed to comply with Our legal, tax, and accounting obligations, or to resolve disputes.
International Data Transfers
We are based in the United States. If you access the Services from outside the United States, your information will be processed in the United States and may be processed by service providers located elsewhere. Where required, We rely on appropriate safeguards for such transfers, including standard contractual clauses or an equivalent lawful transfer mechanism with Our processors.
Your Rights. Users in the European Economic Area and the United Kingdom
Where the General Data Protection Regulation or the UK GDPR applies to Our processing of your personal data, you have the right to:
*Access the personal data We hold about you
*Correct inaccurate data
*Request erasure of your data, including AI Voice Agent session data
*Restrict or object to certain processing
*Receive a copy of your data in a portable format
*Withdraw consent at any time, without affecting the lawfulness of processing before withdrawal
To exercise any of these rights, contact Us using the details below. We will respond within one month. You also have the right to lodge a complaint with your national supervisory authority.
Our lawful basis for AI Voice Agent recording and processing is your explicit consent, given at the consent screen before each session. Our lawful basis for account and payment information is performance of Our contract with you. Where We process information for security, fraud prevention, or to improve the Services, We rely on Our legitimate interests, balanced against your rights.
Your Rights. Users in Canada
Where the Personal Information Protection and Electronic Documents Act or an equivalent provincial statute applies, We collect, use, and disclose your personal information only with your knowledge and consent and only for the purposes described in this Policy. You may withdraw consent, subject to legal and contractual restrictions, and request access to or correction of your personal information by contacting Us using the details below.
If you are a resident of Quebec, additional rights under the Act respecting the protection of personal information in the private sector may apply, including with respect to the communication of your information outside Quebec and the processing of sensitive or biometric information.
Users Elsewhere
Where your local law grants you rights that cannot be waived by agreement, nothing in this Policy limits those rights.
Changing Your Information
You may review, update, or correct the personal information We hold about you, or ask Us to delete it, at any time by contacting Us using the details below.
Children and Eligibility
The Services are not directed to, and are not intended for use by, anyone under 18 years of age. We do not knowingly collect personal information from anyone under 18. If We learn that We have collected personal information from someone under 18, We will delete it.
Security
We use reasonable administrative, technical, and physical safeguards designed to protect your personal information. No method of transmission or storage is completely secure, and We cannot guarantee absolute security.
Governing Law and Disputes
This Policy is governed by the laws of the State of Florida. We are controlled, operated, and administered entirely within the State of Florida. Disputes relating to Our handling of your personal information are subject to the dispute resolution provisions in Our Terms and Conditions.
Except as expressly provided in Our Terms and Conditions, this statement and the policies outlined herein are not intended to and do not create any contractual or other legal rights in or on behalf of any party.
Changes to This Policy
We may update this Policy from time to time. The date at the top indicates when it was last revised. Where changes are material, We will make reasonable efforts to notify you. Your continued use of the Website and Services after a change is posted constitutes your acceptance of the updated Policy. Information collected before a change is posted will be handled according to the rules and laws that applied at the time it was collected.
Contact
For any privacy question, data request, or concern, contact:
Factive Nautics Chad E Cooper FNCEC, LLC d/b/a SIRV Institute
3975 Sabal Lakes Road, Delray Beach, FL 33445
General policy
Unless otherwise stated in writing with respect to a particular Service, We operate a strict no-refund policy. By purchasing a Service, you agree that you are foregoing the right to claim a refund of fees paid, except as required by law or as set out below for buyers in the European Union and United Kingdom.
No warranties on results
We provide coaching, AI Voice Agent sessions, and related services only, and We guarantee no specific result. We make no promise or representation that you will achieve any particular outcome, and any results discussed on this Website or Our related social media reflect individual experiences that will vary. Your results depend on your own effort, circumstances, and a number of factors outside Our control. You take full responsibility for your own outcomes, and you agree that We are not liable for your success or failure in applying anything from the Services.
Physical products
If you have purchased a physical product from Us, please contact Us before sending anything back, so We can confirm the item is eligible for return and provide instructions.
To return a physical product, mail it, in its original packaging, to:
Factive Nautics Chad E Cooper FNCEC, LLC d/b/a SIRV Institute 3975 Sabal Lakes Rd, FL 33445
You are responsible for paying the shipping costs of returning your item. Shipping costs are non-refundable. If you receive a refund, the cost of return shipping will be deducted from that refund.
Damaged items. If your item arrives damaged, contact Us using the details in Our Privacy Policy before returning it, and include a description of the damage.
Sale items. Only regular priced items may be refunded. Sale items cannot be refunded.
Digital services and memberships
Digital Services, including memberships, courses, and AI Voice Agent access, are delivered electronically and are not returnable. No physical return applies. Refund eligibility for these is governed by the general policy above and by the European Union and United Kingdom section below.
European Union and United Kingdom buyers. Withdrawal right.
If you are purchasing from the European Union or United Kingdom, consumer law gives you a fourteen day right to withdraw from a distance contract. Because Our AI Voice Agent Services begin delivering value immediately once a session is available to you, We ask you to expressly acknowledge, at checkout, that access should begin immediately and that you understand the consequence described below.
If you withdraw within fourteen days after making that acknowledgment, you will be charged in proportion to the Services actually supplied to you before you withdrew, rather than in full. For example, if your package includes three sessions and you withdraw after completing one, you will be refunded for the two sessions not yet delivered.
This section applies only where the checkout acknowledgment described above was presented and completed. It does not apply to purchases made from the United States or other jurisdictions where no such right exists, and it does not expand any other right described in this Policy.
Coaching agreement cancellation
Individual coaching agreements may be terminated on 45 days' written notice, and remaining payment billing periods within that notice period will still be due. Termination must be submitted in writing by postal mail or email, per the termination procedures in Our Terms and Conditions.
Group coaching membership offers no refund or cancellation once purchased.
How to request something covered above
Contact Us using the details in Our Privacy Policy. Please include your name, the Service purchased, and the date of purchase.
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PRIVACY POLICY | TERMS & CONDITIONS