1. Introduction

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Naroshco LLC (“Naroshco,” “we,” “our,” “us”) respects your privacy and is committed to protecting your personal data. This Privacy Policy explains: – what information we collect; – how and for what purposes we use it; – to whom we may disclose it; – how we protect your data; – and what rights you have under applicable laws.

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This Policy applies to all users of naroshco.com, including visitors, purchasers of physical products, students of our online courses, and subscribers to our newsletters.

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The InvisiCaps Method is an original hair-extension technique created by Kateryna Yuzvyshena, the founder of Naroshco LLC. All educational materials related to the InvisiCaps Method and other Naroshco training products are the intellectual property of Naroshco LLC.

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Definitions: – “User” – any individual or legal entity that visits the website or uses our services. – “Services” – include the sale of online courses, the proprietary InvisiCaps Method technology, supplementary educational programs, professional tools, and donor hair.

– “Personal Data” – any information that directly or indirectly identifies a person (such as name, email address, phone number, physical address, payment details, IP address, and similar data).

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We adhere to the principles of legality, fairness, transparency, purpose limitation, data minimization, limited retention, and information security.

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Naroshco LLC operates under the laws of the United States (State of Florida) and, where applicable, complies with international data-protection standards, including GDPR (European Union), CCPA (California, USA), LGPD (Brazil), and PDPA (Singapore).

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By using our website, you acknowledge that you have read, understood, and agree to this Privacy Policy. If you do not agree with any part of this Policy, please discontinue using our website and services.

We may collect various categories of personal and technical data depending on how you interact with our website and services.

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2.1. Identification Data

– First and last name – Email address – Phone number

This information is necessary for communication, account creation, order processing, or subscribing to our materials.

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2.2. Shipping Information

– Mailing address (street, city, state/region, postal code, country)

This information is collected only when you order physical products (for example, professional tools or donor hair).

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2.3. Payment Information

– Card number, expiration date, CVV code, billing address

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This data is processed by third-party payment providers (Wix Payments, Stripe, PayPal, Square) and is not stored by Naroshco LLC. We may receive only limited transaction details, such as payment confirmation, payment method, and the last four digits of your card number.

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2.4. Account Information

– Username – Password (stored in encrypted form) – Profile photo (if uploaded) – Selected courses and learning progress

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2.5. Technical and Analytical Data

– IP address – Browser type and version – Operating system and device model – Access time, session duration, and pages viewed – Cookies and similar technologies (pixels, tags)

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This information is collected automatically through tools such as Google Analytics, Facebook/Meta Pixel, and other analytics and marketing platforms to help us improve user experience and analyze site performance.

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2.6. Marketing and Communication Data

– Your preferences regarding the receipt of marketing materials – Responses to surveys or feedback forms – Data on email opens, newsletter engagement, or interaction with advertisements

This information helps us understand your interests, improve our communication, and provide you with relevant updates about Naroshco products, courses, and special offers.

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2.7. Support Data

When you contact us, we may store your correspondence and related information (such as screenshots or attached files) in order to address your inquiry, troubleshoot issues, or improve customer support quality.

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2.8. Sensitive Data

We do not collect special categories of personal data (such as health information, biometric data, religious beliefs, or political opinions). If you accidentally provide such information, it will be promptly deleted. 2.9. Certification and Verification Naroshco Academy collects and stores participant data (such as full name, email address, and course completion details) for the purpose of issuing and verifying educational certificates. Each certificate may contain a unique verification code or QR link that allows the authenticity of the document to be confirmed through the official website. This information is securely stored and used solely for educational recordkeeping and verification purposes in compliance with applicable data protection laws.

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We use personal and technical data only for lawful purposes and to the extent necessary to provide and improve our services. The main purposes of data use include:

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3.1. Contract Performance and Service Delivery

– Processing orders and providing access to courses and educational materials, including the InvisiCaps Method and other training programs – Delivering physical products (such as donor hair or professional tools) – Managing user accounts, including profile creation, course progress tracking, and certification issuance

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3.2. Communication with Users

– Sending transactional communications: order confirmations, invoices, receipts, course access notifications, and password reset instructions – Responding to support inquiries and resolving technical issues – Providing important updates related to security, policy changes, or service availability

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3.3. Marketing and Personalization (with Consent)

– Sending promotional materials, special offers, and updates about new courses or products – Using data to create personalized advertisements through Google Ads, Facebook/Meta Ads, and other marketing platforms – Analyzing engagement with our emails (opens, clicks) to improve content and communication relevance

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3.4. Analytics and Optimization

– Measuring website traffic, user behavior, and product popularity – Testing new features, updating site design, and improving functionality – Optimizing educational content based on user progress and performance statistics

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3.5. Protection and Legal Compliance

– Detecting and preventing fraudulent transactions, chargebacks, or misuse of services – Monitoring course usage to protect the intellectual property of Naroshco LLC (anti-piracy measures, including IP-address checks and device-login limits)

Naroshco LLC acts as a Data Controller within the meaning of the GDPR. This means that we determine the purposes and methods of processing your personal data.

We process data on the following legal bases:

4.1. Contract Performance (GDPR Art. 6(1)(b))

Processing is necessary to provide our services to you, including: – Processing orders for online courses and physical products – Creating and managing your account – Providing access to educational materials, including the InvisiCaps Method – Ensuring proper operation of the website and customer support services

4.2. User Consent (GDPR Art. 6(1)(a))

You provide consent for processing your data when you: – Subscribe to marketing newsletters – Agree to the use of cookies and tracking technologies – Participate in surveys or provide feedback You have the right to withdraw your consent at any time.

4.3. Legitimate Interests (GDPR Art. 6(1)(f))

We have a legitimate interest in processing certain data for: – Protecting the intellectual property of Naroshco LLC and the InvisiCaps Method – Detecting and preventing fraud, chargebacks, and piracy – Analyzing website usage and improving training programs – Maintaining the security of our IT infrastructure

4.4. Legal Obligations (GDPR Art. 6(1)(c))

We are required to process certain data to: – Comply with tax and accounting obligations – Respond to requests from regulatory or law enforcement authorities – Fulfill legal obligations under U.S. law and applicable international regulations

Compliance with International Laws

– CCPA/CPRA (California, USA): Users have the right to know what data is collected, to request deletion, and to opt out of the “sale” of personal data (Naroshco LLC does not sell user data). – LGPD (Brazil): We adhere to the principles of lawfulness, transparency, and data security. – PDPA (Singapore): For clients located in Asia, we comply with all applicable rules governing the collection and use of personal data.

We accept online payments through Wix Payments, PayPal, Stripe, and Square. All of these providers operate as independent payment processors and handle your financial data in accordance with their own privacy policies and security standards.

5.1. Payment Security

– All payment transactions are conducted through a secure SSL/HTTPS connection. – Payment providers comply with international PCI DSS (Payment Card Industry Data Security Standard) requirements. – Naroshco LLC does not store your full card details (card number, CVV code, or expiration date). We may only receive limited transaction data such as the last four digits of your card, payment method type, and transaction status.

5.2. Refund Policy

For digital products — including online courses and the InvisiCaps Method — refunds are not provided. This policy applies regardless of the selected payment processor.

5.3. Chargebacks and Fraud

– In the event of a chargeback, we reserve the right to suspend or terminate access to courses and materials without issuing a refund. – Naroshco LLC may share transaction information with the issuing bank or law-enforcement authorities for investigation purposes. – Unauthorized chargeback initiation is considered a violation of our Terms of Use.

5.4. Third-Party Services

By using our services, you agree to the privacy policies of the respective payment providers: – Wix Payments – Stripe – PayPal – Square

We may share your personal data with carefully selected third-party organizations and service providers, but only to the extent necessary to deliver our services.

6.1. Logistics Partners

– Shipping and postal services receive your name, address, phone number, and order details to deliver physical products (e.g., tools or donor hair).

6.2. Payment Processors

– Wix Payments, PayPal, Stripe, and Square receive your payment details and transaction data to process payments. They act as independent data controllers in accordance with their own privacy policies.

6.3. Analytics and Marketing Tools

– Google Analytics and Meta (Facebook/Instagram Pixel) help us analyze user behavior, measure traffic, and deliver personalized advertising. These services may collect data such as cookies, IP addresses, and user activity on our website.

6.4. Hosting and IT Providers

– We may share technical data with our hosting providers, cloud platforms, or software vendors who ensure the functionality and security of our website and online courses.

6.5. Legal Requirements

– We may disclose your information if required by law, regulation, or court order. – We may also share data to protect the rights, safety, or property of Naroshco LLC, including preventing fraud or copyright infringement (for example, related to the InvisiCaps Method).

6.6. Data Minimization Principle

We share only the minimum amount of data necessary to fulfill a specific purpose.

6.7. No Data Sales

Naroshco LLC does not sell, trade, or rent your personal data to any third parties under any circumstances.

Because Naroshco LLC works with clients worldwide, your personal data may be stored and processed on servers located in the United States and other countries outside your jurisdiction.

We may transfer data to:

– Our hosting and cloud service providers (Wix, Amazon Web Services, and others); – Payment service providers (Wix Payments, Stripe, PayPal, Square) that process transactions globally; – Analytics and marketing platforms (Google, Meta) whose servers may also be located in the United States or other regions.

7.1. Compliance with International Standards

For users within the European Union (EU), any transfer of personal data outside the European Economic Area (EEA) is carried out in compliance with the GDPR, using: – Standard Contractual Clauses (SCCs) approved by the European Commission; – Other legally recognized mechanisms that ensure an adequate level of data protection.

7.2. Differences in Data Protection Laws

Data protection laws in the countries where your information may be transferred can differ from those of your country of residence. However, Naroshco LLC ensures that your data remains protected in accordance with this Privacy Policy, regardless of the location of processing.

7.3. Your Consent

By using our website and services, you acknowledge and consent to the transfer, storage, and processing of your data in the United States and other countries, even where local laws may provide different levels of protection.

Our website uses cookies and similar technologies (pixels, web beacons, tags) to ensure proper functionality, analyze traffic, and enhance your user experience.

8.1. What Are Cookies

Cookies are small text files stored on your device when you visit a website. They help us recognize your browser, save preferences, and make your interactions with our site smoother and more personalized.

8.2. Types of Cookies We Use

– Essential cookies: required for the basic operation of the site (login, checkout, security). Without them, the website may not function properly. – Functional cookies: store your preferences (e.g., language selection). – Analytical cookies: help measure website traffic and understand how users interact with our site (e.g., Google Analytics). – Marketing cookies: enable personalized advertising based on your interests (e.g., Facebook Pixel, Google Ads).

8.3. Third-Party Cookies

Some cookies are set by third-party services (e.g., Google, Meta, Wix) that act as independent data controllers and operate under their own privacy policies.

8.4. Retention Period

– Session cookies are stored only while your browser is open and are deleted once you close it. – Persistent cookies remain on your device for a specified period or until manually deleted.

8.5. Managing Cookies

You can: – Change your browser settings to block or delete cookies at any time; – Opt out of personalized advertising in your Google Ads Settings and Meta Ads Settings.

8.6. Your Consent

When you first visit our website, you may be asked to consent to certain types of cookies (excluding those that are essential). You can withdraw your consent at any time by adjusting your browser settings or using the cookie banner preferences.

We may use your email address to send informational and marketing communications.

9.1. Types of Emails

– Transactional emails: order confirmations, receipts, course access notifications, and similar messages. These communications are necessary to provide our services and do not require separate consent. – Marketing emails: newsletters, special offers, and updates about new courses or products. These are sent only with your prior consent.

9.2. Unsubscribing

Each marketing email contains an active “Unsubscribe” link. You may withdraw your consent at any time, and we will immediately stop sending marketing messages. You will, however, continue to receive essential transactional emails necessary to fulfill your orders.

9.3. Use of Third-Party Services

We may use third-party platforms (e.g., Wix Email, Mailchimp, or similar providers) to send email campaigns. These services may process your data in accordance with their own privacy policies.

9.4. Analytics

We may collect technical information about your interaction with our emails (such as opens and link clicks) to improve our content and marketing performance.

9.5. Legal Compliance

We comply with: – The CAN-SPAM Act (United States) – The GDPR (European Union) – The CASL (Canada) and other applicable electronic communication laws.

Our website may contain links to third-party websites and services, including but not limited to: social-media platforms (Instagram, TikTok, Facebook), online marketplaces (Amazon), analytics and marketing platforms (Google, Meta), and other integrated tools or widgets.

10.1. Lack of Control

Naroshco LLC does not control and is not responsible for the content, security, privacy policies, or practices of any third-party websites or services. Your use of third-party resources is at your own risk.

10.2. Embedded Services

Our website may include integrated services or widgets (for example, “Share” buttons, comment plug-ins, or embedded videos from YouTube or Vimeo). Such third-party components may collect data about you even if you do not directly interact with them.

10.3. User Recommendations

We encourage you to review the privacy policies of the relevant third-party services before using them or providing any personal data.

10.4. Disclaimer of Liability

Naroshco LLC is not responsible for any collection, use, or disclosure of your data by third parties, including platforms that you access through our website.

11.1. Nature of Digital Products

All online courses and digital materials provided by Naroshco LLC, including the proprietary InvisiCaps Method, are delivered as digital content with immediate access once payment is confirmed. Access is granted within your account and governed by the license terms (see Section 12).

11.2. No-Refund Policy

Because digital content cannot be “returned,” refunds are not available in the following cases: – Change of mind, dissatisfaction with content, or expectations not met; – Lack of time or inability to complete the course; – Subjective assessment of quality or usefulness; – Incompatibility of the user’s device or internet connection with minimum technical requirements; – Use of promotional codes or discounts (discounts are non-refundable and cannot be applied retroactively).

11.3. EU / UK Cooling-Off Waiver

If you are located in the EU or UK, by placing an order you provide explicit consent for the immediate supply of digital content and acknowledge the loss of your statutory right of withdrawal (cooling-off period) once access begins, in accordance with the EU Consumer Rights Directive and the UK Consumer Rights Act (CRA).

11.4. Exceptions Eligible for Refund or Correction

Refunds or payment adjustments are made only in the following cases: – Duplicate payment for the same order; – Payment-system error confirmed by the provider; – Failure to provide access to the purchased digital product due to Naroshco LLC’s fault within 72 hours of payment (subject to timely customer support notification).

In such cases, Naroshco LLC may, at its discretion: (i) grant or restore access, or (ii) issue a refund to the original payment method or provide store credit / voucher.

11.5. Access Delivery & Technical Requirements

Access to materials is provided online (streaming / browser-based). You are responsible for having a compatible device, stable internet connection, and up-to-date software. Temporary interruptions caused by hosting or platform maintenance (planned or emergency) do not constitute grounds for a refund; we strive to minimize such downtime and may extend access proportionally if necessary.

11.6. Bundles, Packages, and Pre-Orders

For bundles or packages, the no-refund rule applies to the entire bundle. Pre-orders may be canceled only before access is granted. Once activation occurs, Section 11.2 applies.

11.7. Gift Codes, Vouchers, and Promotions

Gift codes and vouchers are non-redeemable for cash, non-refundable after activation, and subject to an expiration date. Promo codes cannot be applied retroactively to previously completed purchases.

11.8. Chargebacks and Abuse

Unauthorized payment reversals (chargebacks) for digital content constitute a violation of the license and platform rules. Naroshco LLC reserves the right to: – Immediately revoke or block access to all materials; – Provide transaction details to the payment processor, issuing bank, or law-enforcement authorities; – Use technical and legal measures to dispute the chargeback, including login logs, IP data, and proof of service delivery.

11.9. Physical Products

For physical products (e.g., tools or donor hair), a separate Return / Exchange Policy applies and is presented during checkout. That policy does not apply to digital products.

11.10. Submitting a Refund Request (Exceptions Only)

To request a refund under Section 11.4, contact Customer Support with the subject line “Refund Request” and include: – Full name, account email, and order / transaction number; – A detailed description of the issue and supporting evidence (e.g., payment screenshot, system notification). We will review the request and respond in accordance with this Policy and applicable law.

11.11. Taxes, Fees, and Currency Conversions

Taxes (VAT / GST / sales tax), bank or conversion fees, and exchange-rate differences are non-refundable, except where required by law or the payment provider’s policy.

11.12. Changes, Suspension, or Replacement of Access

Naroshco LLC may modify, update, or discontinue specific modules or materials for technical, legal, or academic reasons. Where possible, we will provide an equivalent update or proportional access extension. Such modifications do not entitle users to a refund, provided that the essential course content remains available.

12.1. Ownership and Scope of Rights

All educational materials of Naroshco LLC — including videos, audio files, PDFs/presentations, texts, images, diagrams, checklists, manuals, webinar/live recordings, assignments, tests, as well as proprietary methods, processes, procedures, and know-how — are the intellectual property of Naroshco LLC and are protected under applicable law. The author and developer of the InvisiCaps Method is Kateryna Yuzvyshena, founder of Naroshco LLC; all rights to the method are exercised by Naroshco LLC.

12.2. Limited Student License

Upon payment, you are granted a personal, non-exclusive, revocable, royalty-free, non-transferable, and non-sublicensable license to access and view the materials solely for personal educational purposes. This license does not constitute a transfer of ownership and may be revoked by Naroshco LLC in case of violation.

12.3. Permitted Uses

– Streaming or viewing materials online within your account; – Saving a limited number of auxiliary files (PDFs, notes) for personal use; – Printing fragments of materials for personal study notes (not for distribution).

12.4. Prohibited Uses (Without Written Authorization from Naroshco LLC)

– Distribution, publication, resale, or rental of materials in any form; – Sharing account access or transferring it to third parties; – Screen recording, copying video/audio/screens, or downloading via external tools; – Teaching, training, or certifying others based on the materials or InvisiCaps Method; – Creating derivative works, decompiling, or reverse-engineering processes/methods; – Circumventing or removing technical protection measures (DRM, tokens, temporary links, watermarks); – Scraping, bulk downloading, or using bots/automated access tools; – Using materials to train AI models, datasets, or generate content that reproduces or imitates our materials or methods; – Using materials for competing products, courses, or methods.

12.5. Devices, Accounts, and Access Control

Naroshco LLC may limit the number of devices per user, monitor login anomalies (IP/geolocation/concurrency), and restrict access if abuse is suspected. Monitoring details are outlined in the “Security and Anti-Fraud Logging” section.

12.6. Trade Secrets and Confidentiality

All methodologies, know-how, workflow maps, and technological procedure charts, including the InvisiCaps Method, constitute trade secrets of Naroshco LLC. You agree to: – Not disclose or reproduce such materials for third parties; – Not use them beyond personal study without written authorization.

12.7. Trademarks and Branding

InvisiCaps Method and other Naroshco-related marks or names (including logos) are trademarks or brand identifiers of Naroshco LLC (™ / ® where applicable). It is prohibited to: – Use designations such as “official,” “certified trainer,” or “partner” without written permission; – Register domains, social-media pages, accounts, or ads that imitate Naroshco or mislead users about affiliation; – Use Naroshco trademarks in metadata or keywords to manipulate search visibility. The title “Certified InvisiCaps Stylist” may only be used under valid certification and compliance with official Brand Guidelines.

12.8. User-Generated Content (UGC)

Reviews, photos, or videos of your results voluntarily submitted to Naroshco may be used for testimonials or result demonstrations only with your explicit consent (provided in a form or correspondence). You may withdraw consent at any time, and we will cease further use of your content in publications.

12.9. Violations and Consequences

In case of a breach of this section, Naroshco LLC has the right, without prior notice, to: – Immediately suspend or revoke access to materials without refund; – Require deletion of illegally reproduced copies; – Seek compensation for damages (including investigative and legal costs); – Pursue injunctive relief or any other remedies available under law.

12.10. Infringement Notifications (DMCA)

If you believe that any publication or resource infringes upon the rights of Naroshco LLC or the InvisiCaps Method, please submit a notice under our DMCA Takedown Policy (available on a separate page). We follow a repeat-infringer policy and may permanently terminate access for users who repeatedly violate our intellectual property rights.

13.1. Purpose of Translations

This Privacy Policy may be translated into multiple languages for user convenience in different countries. Translations into Ukrainian, Spanish, or other languages are provided for informational purposes only, to help users better understand the terms.

13.2. English Version Prevails

In the event of any discrepancies, inconsistencies, or differences between translated versions and the English version, the English text prevails. Only the English version is considered legally binding and final.

13.3. Translation Updates

We strive to keep translated versions accurate and up to date. However, in case of delay or technical inaccuracy, the official English version published on naroshco.com remains the controlling legal document

We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected or to comply with legal obligations.

14.1. Data Categories and Retention Periods

– User account data (name, email, account information, learning progress): retained for the lifetime of the account and deleted or anonymized upon closure, except where a longer retention period is required by law. – Payment transaction data: Naroshco LLC does not store full card details. Transaction data (amount, date, payment method) is retained for up to 7 years to comply with accounting and tax regulations. – Analytics and cookies data: typically retained for 30 days to 2 years, depending on cookie type or Google/Meta settings. – Marketing data (newsletter consent, campaign engagement): retained for up to 2 years after the last interaction or until consent is withdrawn (whichever occurs first). – Support data (communications, inquiries): retained for up to 3 years to protect against potential disputes or claims.

14.2. Retention Criteria

We determine retention periods based on the following factors: – Duration of the contractual relationship; – Legal and regulatory requirements (tax, accounting, compliance); – Need to defend against potential claims or disputes; – Technical and operational constraints of business management.

14.3. Deletion and Anonymization

After the applicable retention period, your data is either securely deleted or anonymized (so it no longer constitutes personal data).

14.4. Right to Erasure

You have the right to request deletion of your personal data at any time. We will comply unless retention is required by law or necessary to protect our legitimate interests (e.g., ongoing disputes or financial audits).

We implement modern technical and organizational measures to protect personal data and the proprietary content of Naroshco LLC, including the InvisiCaps Method and our educational materials.

15.1. Technical Measures

– Secure SSL/HTTPS connection for all transactions – Encryption of stored passwords and access tokens – Restricted staff access to data on a need-to-know basis – Regular software and security system updates

15.2. Security and Anti-Fraud Logging

To prevent fraud, abuse, and copyright violations, we may process the following data: – IP addresses and geolocation at account login – Login time, frequency, and login attempts from multiple devices – Device type and browser information (device fingerprinting) – Session tokens and user activity logs – Information about simultaneous logins from different geographic locations

15.3. Anti-Piracy Measures

– Visible and invisible watermarks embedded in videos and PDFs – Unique access tokens and temporary links to materials – Device-limit restrictions per account – Automatic detection of suspicious activity (e.g., mass logins from multiple IPs)

Any attempt to circumvent security systems or copy content results in immediate access termination without compensation.

15.4. Legitimate Interest

Such logging and monitoring are based on the legitimate interests of Naroshco LLC, namely to: – Protect intellectual-property rights – Ensure the safety of users and the platform – Prevent fraud and financial abuse

15.5. Consequences of Violations

If fraudulent actions or piracy are detected, Naroshco LLC reserves the right to: – Suspend or block the user’s account – Restrict access to materials without refund – Share relevant data with payment providers, partners, or law-enforcement authorities for investigation

We respect your rights regarding your personal data. You may contact us at any time to exercise your rights under applicable law.

16.1. General User Rights

You have the right to: – Access: obtain confirmation as to whether we process your data and receive a copy of such data. – Rectification: request correction of inaccurate or incomplete information. – Erasure (“Right to Be Forgotten”): request deletion of your data when no legal basis exists for further retention (e.g., tax obligations). – Restriction of Processing: request temporary suspension of data use. – Data Portability: receive your data in a structured, machine-readable format and transmit it to another provider. – Objection: object to the processing of your data for marketing or legitimate-interest purposes. – Withdrawal of Consent: withdraw consent for processing at any time without affecting the lawfulness of prior processing.

16.2. EU and UK Users (GDPR / UK GDPR)

Users in the European Union and United Kingdom have additional rights under the GDPR, including: – The right to file a complaint with a national data-protection authority if you believe your rights have been violated. – The right to be informed about automated decision-making and profiling (Naroshco LLC does not perform automated decisions with legal effects).

16.3. California Users (CCPA / CPRA)

If you are a California resident, under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), you have the right to: – Know what categories of personal data we collect, the sources, purposes of use, and categories of third parties to whom data is disclosed. – Obtain a copy of your personal data from the past 12 months. – Request deletion of your personal data (except where retention is legally required). – Opt out of the sale or sharing of your personal data (Naroshco LLC does not sell personal data). – Limit the use of sensitive personal data. – Be free from discrimination for exercising your privacy rights (you will not be denied services or experience different terms for making such a request).

16.4. Other Jurisdictions

– LGPD (Brazil): Users have similar rights to access, correction, deletion, and objection to processing. – PDPA (Singapore): Users have the right to know the purpose of data collection and to opt out of marketing use. Naroshco LLC strives to uphold user rights in all jurisdictions where applicable.

16.5. Exercising Your Rights

To exercise any of the above rights, contact us via email at [insert email]. – We will respond within 30 days (with the possibility of a 30-day extension in complex cases). – To protect your privacy, we may request additional information to verify your identity.

Naroshco LLC complies with applicable data-protection laws across relevant jurisdictions. We apply high privacy standards for all users, regardless of their place of residence.

17.1. GDPR and UK GDPR (European Union and United Kingdom)

– We operate in accordance with the General Data Protection Regulation (GDPR) and its UK equivalent (UK GDPR). – Users from the EU and the UK have the right to access, rectify, delete, restrict processing, and file complaints with their national data-protection authorities.

17.2. CCPA / CPRA (California, USA)

– We comply with the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). – California residents have the right to know what data is collected, request deletion, prohibit the sale of personal data (Naroshco LLC does not sell personal data), and the right to non-discrimination for exercising these rights.

17.3. LGPD (Brazil)

– We comply with the Lei Geral de Proteção de Dados (LGPD). – Users in Brazil have the right to access, correct, delete, obtain information on data transfers, and object to certain processing activities.

17.4. PDPA (Singapore)

– We comply with the Personal Data Protection Act (PDPA). – Users in Singapore have the right to be informed of the purposes of data collection and may opt out of the use of their data for marketing purposes.

17.5. Other Jurisdictions

We strive to comply with applicable data-protection laws and best practices in all countries where we operate.

17.6. Compliance Updates

In the event of changes in international data-protection law, we will update this Policy to ensure continued compliance and accuracy.

18.1. Age Restrictions

Our services are not intended for children under the age of 13 (or the minimum age required by your country’s laws). We do not knowingly collect personal data from individuals under this age.

18.2. GDPR (EU and UK)

For users in the EU and UK, the minimum age for consent to data processing is 16 years (or lower if allowed by local law, but not below 13). If you are under the minimum age, registration is allowed only with verified parental or guardian consent.

18.3. COPPA (United States)

We comply with the Children’s Online Privacy Protection Act (COPPA). If we learn that we have collected personal information from a child under 13 without verifiable parental consent, we will promptly delete that data.

18.4. Actions in Case of Discovery

– If you are a parent or guardian and believe your child has provided personal data to us without your consent, please contact us at [insert email]. – We will delete the child’s information as quickly as possible.

18.5. Course Content and Audience

Our online courses, including the InvisiCaps Method, are intended for adult professionals and individuals who have reached the legal age required to enter binding agreements in their jurisdiction.

19.1. Governing Law

This Privacy Policy — and any disputes, claims, or controversies arising from the use of naroshco.com or Naroshco LLC services — shall be governed exclusively by the laws of the State of Florida, USA, without regard to conflict-of-law principles.

19.2. Choice of Jurisdiction

All disputes shall be subject to the exclusive jurisdiction of the courts located in Miami-Dade County, Florida, USA. By using our services, you consent to this jurisdiction and waive any objections regarding venue or forum inconvenience.

19.3. Alternative Dispute Resolution

Naroshco LLC reserves the right to require that disputes be resolved through arbitration or mediation in the State of Florida. The arbitrator’s decision shall be final and binding, except as otherwise provided by law.

19.4. Intellectual Property Exceptions

Notwithstanding the above, Naroshco LLC may pursue legal action in any jurisdiction necessary to protect its intellectual-property rights, including copyrights in the InvisiCaps Method and other courses, as well as Naroshco trademarks.

20.1. Right to Update

Naroshco LLC reserves the right to modify or update this Privacy Policy from time to time to reflect: – Changes in legislation or regulatory requirements; – Updates to our products, courses, or services (including the InvisiCaps Method and related programs); – Adjustments to business processes or technical solutions; – Implementation of new security or anti-piracy measures.

20.2. Publication Location

The most recent version of this Policy is always available on our website naroshco.com in the appropriate section.

20.3. User Notifications

– If the changes are material (for example, affecting how we collect or use your data), we will notify users by email or through an in-account notification at least 7 days before the changes take effect. – If the changes are non-material (editorial clarifications, stylistic adjustments, or corrections), they will become effective immediately upon publication on the website.

20.4. Your Consent

By continuing to use our website and services after the effective date of any changes, you confirm your acceptance of the updated Policy. If you do not agree with the revised terms, you must discontinue using our website and services.

If you have any questions regarding this Privacy Policy, the use of your personal data, or the exercise of your rights, you may contact us at:

Naroshco LLC – Email: info@naroshco.com

Mailing Address: 7100 SW 116th Terrace, Pinecrest, Florida 33156, USA

We will review and respond to your inquiry within 30 days (or sooner, where possible) in accordance with applicable data-protection laws.

21.1. GDPR Data Controller

For users in the European Union and the United Kingdom, the data controller is Naroshco LLC (USA).

21.2. California Privacy Requests

For California residents under the CCPA/CPRA, all data-related requests can be submitted using the contact details provided above.