Privacy Policy
Your privacy is important to us. It is Center For Real Estate Education’s policy to respect your privacy and comply with any applicable law and regulation regarding any personal information we may collect about you, including across our website, https://krishadrina.com/birthdaysale and other Academy of Financial Independence sites and apps we own and operate.Personal information is any information about you which can be used to identify you. This includes information about you as a person (such as name, address, and date of birth), your devices, payment details, and even information about how you use a website or online service.
In the event our site contains links to third-party sites and services, please be aware that those sites and services have their own privacy policies. After following a link to any third-party content, you should read their posted privacy policy information about how they collect and use personal information. This Privacy Policy does not apply to any of your activities after you leave our site.
This policy is effective as of 1 January 2024.
Last updated: 1 January 2024
Information We Collect
Information we collect includes both information you knowingly and actively provide us when using or participating in any of our services and promotions, and any information automatically sent by your devices in the course of accessing our products and services.
Log Data
When you visit our website, our servers may automatically log the standard data provided by your web browser. It may include your device’s Internet Protocol (IP) address, your browser type and version, the pages you visit, the time and date of your visit, the time spent on each page, and other details about your visit.
Additionally, if you encounter certain errors while using the site, we may automatically collect data about the error and the circumstances surrounding its occurrence. This data may include technical details about your device, what you were trying to do when the error happened, and other technical information relating to the problem. You may or may not receive notice of such errors, even in the moment they occur, that they have occurred, or what the nature of the error is.
Please be aware that while this information may not be personally identifying by itself, it may be possible to combine it with other data to personally identify individual persons.
Device Data
When you visit our website or interact with our services, we may automatically collect data about your device, such as:
• Device Type
• Operating System
• Unique device identifiers
• Device settings
• Geo-location data
Data we collect can depend on the individual settings of your device and software. We recommend checking the policies of your device manufacturer or software provider to learn what information they make available to us.
Personal Information
We may ask for personal information which may include one or more of the following:
• Name
• Social media profiles
• Date of birth
• Phone/mobile number
• Home/mailing address
Legitimate Reasons for Processing Your Personal Information
We only collect and use your personal information when we have a legitimate reason for doing so. In which instance, we only collect personal information that is reasonably necessary to provide our services to you.
Collection and Use of Information
We may collect personal information from you when you do any of the following on our website:
• Register for an account
• Sign up to receive updates from us via email or social media channels
• Use a mobile device or web browser to access our content
• Contact us via email, social media, or on any similar technologies
• When you mention us on social media
We may collect, hold, use, and disclose information for the following purposes, and personal information will not be further processed in a manner that is incompatible with these purposes:
• to provide you with our platform’s core features and services
• to contact and communicate with you
• for analytics, market research, and business development, including to operate and improve our website, associated applications, and associated social media platforms
• for advertising and marketing, including to send you promotional information about our products and services and information about third parties that we consider may be of interest to you
• to enable you to access and use our website, associated applications, and associated social media platforms
• for internal record keeping and administrative purposes
Please be aware that we may combine information we collect about you with general information or research data we receive from other trusted sources.
SMS Policy and Terms of Use
Data Privacy: Your phone number is used exclusively for SMS notifications and will not be shared with third parties for marketing purposes.
Types of Messages: By opting in, you may receive the following types of SMS: Appointment reminders; Payment notifications; Promotions and special offers.
Message Frequency: The number of messages may vary but will not exceed 10 messages per week.
Opt-Out: You can opt out of SMS notifications at any time by replying "STOP" to any received message.
Additional Information: Standard message and data rates may apply according to your carrier's plan.
Security of Your Personal Information
When we collect and process personal information, and while we retain this information, we will protect it within commercially acceptable means to prevent loss and theft, as well as unauthorized access, disclosure, copying, use, or modification.
Although we will do our best to protect the personal information you provide to us, we advise that no method of electronic transmission or storage is 100% secure, and no one can guarantee absolute data security. We will comply with laws applicable to us in respect of any data breach.
You are responsible for selecting any password and its overall security strength, ensuring the security of your own information within the bounds of our services.
How Long We Keep Your Personal Information
We keep your personal information only for as long as we need to. This time period may depend on what we are using your information for, in accordance with this privacy policy. If your personal information is no longer required, we will delete it or make it anonymous by removing all details that identify you.
However, if necessary, we may retain your personal information for our compliance with a legal, accounting, or reporting obligation or for archiving purposes in the public interest, scientific, or historical research purposes or statistical purposes.
Children’s Privacy
We do not aim any of our products or services directly at children under the age of 13, and we do not knowingly collect personal information about children under 13.
Disclosure of Personal Information to Third Parties
We may disclose personal information to:
• a parent, subsidiary, or affiliate of our company
• third party service providers for the purpose of enabling them to provide their services, for example, IT service providers, data storage, hosting and server providers, advertisers, or analytics platforms
• our employees, contractors, and/or related entities
• our existing or potential agents or business partners
• courts, tribunals, regulatory authorities, and law enforcement officers, as required by law, in connection with any actual or prospective legal proceedings, or in order to establish, exercise, or defend our legal rights
• third parties, including agents or sub-contractors, who assist us in providing information, products, services, or direct marketing to you
• third parties to collect and process data
International Transfers of Personal Information
The personal information we collect is stored and/or processed in , or where we or our partners, affiliates, and third-party providers maintain facilities.
The countries to which we store, process, or transfer your personal information may not have the same data protection laws as the country in which you initially provided the information. If we transfer your personal information to third parties in other countries: (i) we will perform those transfers in accordance with the requirements of applicable law; and (ii) we will protect the transferred personal information in accordance with this privacy policy.
Your Rights and Controlling Your Personal Information
You always retain the right to withhold personal information from us, with the understanding that your experience of our website may be affected. We will not discriminate against you for exercising any of your rights over your personal information.
If you do provide us with personal information you understand that we will collect, hold, use and disclose it in accordance with this privacy policy. You retain the right to request details of any personal information we hold about you.
If we receive personal information about you from a third party, we will protect it as set out in this privacy policy. If you are a third party providing personal information about somebody else, you represent and warrant that you have such person’s consent to provide the personal information to us.
If you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time. We will provide you with the ability to unsubscribe from our email-database or opt out of communications. Please be aware we may need to request specific information from you to help us confirm your identity.
If you believe that any information we hold about you is inaccurate, out of date, incomplete, irrelevant, or misleading, please contact us using the details provided in this privacy policy. We will take reasonable steps to correct any information found to be inaccurate, incomplete, misleading, or out of date.
If you believe that we have breached a relevant data protection law and wish to make a complaint, please contact us using the details below and provide us with full details of the alleged breach. We will promptly investigate your complaint and respond to you, in writing, setting out the outcome of our investigation and the steps we will take to deal with your complaint. You also have the right to contact a regulatory body or data protection authority in relation to your complaint.
Use of Cookies
We use “cookies” to collect information about you and your activity across our site. A cookie is a small piece of data that our website stores on your computer, and accesses each time you visit, so we can understand how you use our site. This helps us serve you content based on preferences you have specified.
Please refer to our Cookie Policy for more information.
Limits of Our Policy
Our website may link to external sites that are not operated by us. Please be aware that we have no control over the content and policies of those sites, and cannot accept responsibility or liability for their respective privacy practices.
Changes to This Policy
At our discretion, we may change our privacy policy to reflect updates to our business processes, current acceptable practices, or legislative or regulatory changes. If we decide to change this privacy policy, we will post the changes here at the same link by which you are accessing this privacy policy.
If the changes are significant, or if required by applicable law, we will contact you (based on your selected preferences for communications from us) and all our registered users with the new details and links to the updated or changed policy.
If required by law, we will get your permission or give you the opportunity to opt in to or opt out of, as applicable, any new uses of your personal information.
Contact Us
For any questions or concerns regarding your privacy, you may contact us using the following details: info@kristinashadrina.com
COURSE PARTICIPATION AGREEMENT
Academy of Financial Independence (a d/b/a of Kristina La Brusciano)
Effective Date: September 8, 2025
This Course Participation Agreement (the “Agreement”) is made between Academy of Financial Independence (a d/b/a of Kristina La Brusciano) (the “Provider”) and the student identified at checkout (the “Student”). The Agreement governs Student’s access to digital educational content and related services delivered via the Provider’s websites, landing pages, and payment links (including the GetCourse platform) (collectively, the “Course”).
1. Scope, Acceptance, and Incorporated Documents
1.1. This Agreement applies to Courses purchased through the Provider’s websites/landing pages/payment links. Students may be located in any country and are responsible for complying with applicable local laws when using the Course.
1.2. By purchasing and/or using the Course, the Student accepts this Agreement.
1.3. Incorporated Documents. The following documents form part of this Agreement: the Terms of Use, the Payment & Refund Terms, and the Privacy Policy (the “Incorporated Terms”). These documents are posted on the Provider’s sites and pages (including checkout and account pages). The Student acknowledges having had an opportunity to review the then-current versions before payment, and agrees that the versions in effect at the time of payment are incorporated into this Agreement and apply to the order. If there is a conflict, any specific terms shown to the Student before payment will prevail.
1.4. Order Details. “Order Details” means the specific parameters of the order (product/package name, inclusions, access term/window, bonuses, price/taxes/discounts, payment method, and other conditions) shown to the Student before payment on the checkout page, payment link, or in an invoice/written confirmation from an authorized manager. The Order Details form part of this Agreement and prevail over general provisions of this Agreement and/or the Incorporated Terms for the corresponding order.
2. Course and Inclusions
2.1. The Provider grants the Student access to the purchased digital educational materials and (if applicable) live sessions/recordings as specified in the Order Details for the order.
2.2. The access term/window, modules, bonuses, any live sessions, certificate conditions, and other Course features are those shown in the Order Details and are incorporated by reference.
3. Payment, Immediate Activation, and Non-Refundability
3.1. Payment is processed via the providers indicated in the Order Details, including Stripe (with Klarna and Affirm integrations where available), PayPal, Venmo, and Zelle. By choosing Klarna or Affirm, the Student enters a separate agreement with that financing provider; obligations under that schedule persist regardless of access status with the Provider.
3.2. Access activates immediately upon successful payment, which constitutes the start of performance of the digital service.
3.3. There is no activation period. After payment is confirmed, changes to the order, product/package exchanges, transfers/freezes/deferrals, or cancellations are not available.
3.4. Once access is activated, all payments are final and non-refundable, except where required by applicable law or expressly stated in a promotion agreed before payment (see also the Payment & Refund Terms).
4. License and Use Restrictions
4.1. The Student receives a limited, personal, non-exclusive, non-transferable license to use Course materials solely for personal educational purposes during the access term.
4.2. The following are prohibited: sharing/selling access; reproducing, distributing, publicly displaying, or publishing materials; mass-downloading; creating derivative works; or circumventing technical protections. The Provider may suspend or terminate access upon violation without compensation.
5. Student Responsibilities
5.1. Do not share login credentials; maintain their confidentiality.
5.2. Follow platform/community rules and complete required learning activities (if applicable).
5.3. Ensure technical readiness: compatible device, up-to-date browser/software, email access, and a stable internet connection.
6. Electronic Records and Signatures
6.1. All agreements, confirmations, notices, and other legally significant documents relating to the Course are formed and executed electronically.
6.2. The Student consents to the use of electronic records and electronic signatures. An electronic signature—including checking an acceptance box, typing a name, entering a one-time code, clicking “Pay/Agree,” or taking other affirmative actions in the interface—has the same legal effect as a handwritten signature and creates binding obligations.
6.3. Electronic records satisfy any “in writing” and “signed” requirements applicable to transactions conducted through the Services.
6.4. Provider countersignature is not required. This Agreement becomes effective upon the Student’s electronic signature/acceptance. The Provider maintains an audit trail (timestamps, technical identifiers, document versions) to evidence acceptance and signing events.
7. Intellectual Property
All Course content, websites, methods, marks, and logos are owned by the Provider and/or its licensors and are protected by applicable law. Any use beyond the granted license is prohibited.
8. Limitation of Liability
To the maximum extent permitted by law, the Course and materials are provided “as is” and “as available.” The Provider is not liable for indirect, incidental, special, punitive, or consequential damages, lost profits, data loss, or outages/actions of third-party services (hosting, payment processors, GetCourse). In all events, the Provider’s aggregate liability shall not exceed the amount actually paid by the Student for the relevant product/access in the 12 months preceding the claim.
9. Violations, Chargebacks, and Termination
9.1. The Provider may suspend or terminate access for violations of this Agreement/the Incorporated Terms/law.
9.2. If a chargeback/dispute is initiated, access may be suspended pending resolution. The Provider may contest unfounded chargebacks by submitting evidence of access delivery and assent to terms.
9.3. Any outstanding balance (including amounts reversed via chargeback) remains due; accounts and invoices may be referred to collections as permitted by law. At the Provider’s discretion, a payment/dispute may be brought in California Small Claims Court (Los Angeles County) to resolve the dispute and/or recover outstanding amounts and reasonable costs, to the extent permitted by law.
10. Governing Law and Venue
This Agreement is governed by the laws of the State of California and applicable U.S. federal law. Exclusive jurisdiction and venue lie in the state or federal courts located in Orange County, California, unless mandatory law provides otherwise.
11. Notices
Business notices may be delivered electronically. Contact the Provider at info@kristinashadrina.com.
12. Miscellaneous
12.1. If any provision is held invalid, the remaining provisions remain in full force.
12.2. The Student may not assign this Agreement without the Provider’s written consent; the Provider may assign in connection with reorganization or a transaction.
12.3. This Agreement, together with the Terms of Use, Payment & Refund Terms, Privacy Policy, and the Order Details, constitutes the entire agreement regarding the Course. In the event of a conflict, the Order Details shown before payment prevail for the corresponding order.
Refund Policy and Kristina La Brusciano Academy of Financial Independence Course Acces
URL:https://krishadrina.com/birthdaysale
The website listed above, hereinafter referred to as "Website" is operated by the following party:Kristina La Brusciano, Academy of Financial Independence an individual based in the state of California
There are no refunds at all on any digital products. You will receive access to the training platform for the amount of time that was stated on the product description you purchased. If you have any problems accessing the digital content you have purchased, please contact our Customer Support Department immediately at info@afischool.net, so we can resolve the issue. Purchase of a Academy of Financial Independence training module does not grant rights to the buyer to share, reproduce or resell the product in any way. Digital Access is deemed fully delivered when the email is sent to the email address used to sign up for the services. If you do not receive the digital access link within 5 calendar days of signing your service agreement, it is incumbent upon you to email info@kristinashadrina.com to inform us that you have not received the link. If you have not sent an email to notify the us that you have not received the link and the email was delivered to your email address, the digital assets are deemed fully delivered.
All digital and downloadable product sales are final. We do not offer digital product refunds, once a download/digital access has been assigned to you there is nothing we can retrieve back.
Please be advised that any and all agreements for downloadable/digital products, Academy of Financial Independence or Kristina La Brusciano on Demand digital products are NOT subject to cancellation, refund, or store credit. We do not accept any verbal modifications of these Agreements and the “no refund and no cancellation” policy stated in the Agreements is strictly adhered to. AFTER the full term of the agreement has expired, you may request to cancel the automatic renewal of the Agreement, or your Agreement will be converted into a month-to-month Agreement. Any cancellations submitted prior to the full term of the agreement will only cancel the auto renewal and your monthly invoices will still be due and owing until the full value of the agreement has been paid in full. ALL BUILD OUT FEES AND SET UP FEES ARE NONREFUNDABLE AS THEY ARE SERVICES RENDERED TO CREATE YOUR ACCOUNT. There is NO refund on digital products or build-out fees. By signing the Agreement, you agree to all Terms of Use and this Terms of Purchase and Refund Policy. including that you agree to do not do a charge back for any services rendered, or for digital products that have been delivered. You also agree and acknowledge that you are paying in monthly installments on your total contract value as a payment plan, not a recurring subscription fee.
Cancelling or removing the credit card on file does not cancel your subscription and violates the terms of the agreement. If at any time you have delinquent invoices past 90 days, or the account is paid delinquently for three consecutive payments, your account will be suspended, and you will still be liable for the full contract value through the term of the agreement.
If you have any problems accessing the digital content you have purchased, please contact our Customer Support Department immediately at info@kristinashadrina.com, so we can resolve the issue. Digital product purchases do not grant rights to the buyer to share, reproduce or resell the product in any way.
