PRIVACY POLICY

Effective date: July 30, 2026
Last updated: July 30, 2026

Prepared with Victor respects your privacy.

This Privacy Policy explains how PreparedWithVictor.com collects, uses, stores, shares, and protects information when you visit the website, subscribe to communications, submit a form, leave a comment, download a resource, click a link, or otherwise interact with Prepared with Victor.

1. Who We Are

PreparedWithVictor.com is owned and operated by:

Victor C. Schroy
Doing business as Prepared with Victor
PO Box 124, Shermans Dale
Pennsylvania, United States
Email: WebmasterVic

For applicable data-protection purposes, Victor C. Schroy is the person responsible for determining how personal information collected directly through PreparedWithVictor.com is used.

2. Scope of This Policy

This Privacy Policy applies to information collected through PreparedWithVictor.com and related communications controlled by Prepared with Victor.

It does not govern the privacy practices of third-party websites, merchants, affiliate networks, advertisers, email providers, social-media platforms, embedded services, or other companies that Prepared with Victor does not control.

3. Information You Provide

I may collect information that you voluntarily provide, including:

• Your name
• Your email address
• Information entered into a contact form
• Newsletter subscription information
• Comments and replies
• Survey responses
• Contest or promotion entries
• Product questions
• Correction requests
• Business inquiries
• Download or resource requests
• Any other information included in a message or submission

Please do not submit sensitive personal information unless it is reasonably necessary.

Do not submit Social Security numbers, financial-account credentials, complete payment-card information, medical records, passwords, government identification numbers, or other highly sensitive information through ordinary contact forms or email.

4. Information Collected Automatically

When you visit the website, certain information may be collected automatically by the website or service providers.

This may include:

• Internet Protocol address
• Browser type
• Device type
• Operating system
• Language settings
• Approximate geographic area
• Referring website
• Pages viewed
• Links clicked
• Date and time of access
• Time spent on pages
• General interaction data
• Cookie identifiers
• Advertising or analytics identifiers
• Error logs
• Security and fraud-prevention information

Some information may be combined with other information held by service providers in accordance with their own privacy policies.

5. Cookies and Similar Technologies

PreparedWithVictor.com may use cookies, pixels, tags, local storage, embedded scripts, and similar technologies.

These technologies may be used for:

Essential Functions

These technologies help operate the website, maintain security, remember basic settings, prevent abuse, and provide requested features.

Preferences

These technologies may remember choices such as display preferences or cookie settings.

Analytics

Analytics technologies help me understand how visitors reach and use the website, which pages are useful, and where improvements may be needed.

Affiliate Tracking

When you click an affiliate link, a merchant or affiliate network may place or read a cookie or other identifier to determine whether a qualifying purchase or action should be attributed to Prepared with Victor.

Advertising

If advertising services are used, cookies or similar technologies may be used to select, deliver, measure, or personalize advertisements.

Where legally required, nonessential cookies will be used only after appropriate consent.

You can control certain cookies through:

• Your browser settings
• A cookie-consent tool, when available
• Advertising-industry opt-out tools
• Settings offered by the applicable third-party service

Blocking cookies may affect some website functions.

6. How I Use Information

I may use information to:

• Operate and maintain the website
• Respond to questions and messages
• Send requested resources
• Deliver newsletters and marketing communications
• Manage subscriptions
• Moderate comments
• Improve articles and website features
• Understand website traffic
• Measure the effectiveness of content
• Track affiliate referrals
• Detect spam, fraud, abuse, and security threats
• Troubleshoot technical problems
• Enforce website policies
• Protect legal rights
• Comply with legal obligations
• Maintain records
• Complete a business transaction involving the website

I will not use personal information for materially different purposes without providing appropriate notice or obtaining consent when required.

7. Email Communications

When you subscribe to an email list, I may use your name, email address, subscription source, and engagement information to send:

• Newsletters
• Preparedness tips
• New-content announcements
• Product recommendations
• Affiliate promotions
• Download links
• Surveys
• Administrative notices

Marketing emails will include an unsubscribe method.

Unsubscribing from marketing communications may not prevent necessary administrative messages connected with a request, transaction, legal notice, or security matter.

Email-service providers may collect information such as delivery status, opens, clicks, device information, and approximate location.

8. Legal Bases for Processing

Where laws such as the GDPR or UK GDPR apply, I may process personal information under one or more of the following legal bases:

• Consent: You agreed to a particular use, such as receiving marketing emails.
• Contract or requested action: Processing is needed to provide something you requested or to take steps at your request.
• Legitimate interests: Processing supports reasonable business interests such as website operation, analytics, security, communication, and content improvement, provided those interests are not overridden by your rights.
• Legal obligation: Processing is required to comply with applicable law.
• Legal claims: Processing is necessary to establish, exercise, or defend legal rights.

You may withdraw consent where consent is the legal basis. Withdrawal does not make prior processing unlawful.

9. How Information May Be Shared

I may share information with the following categories of recipients.

Website and Hosting Providers

Providers may process information needed to host, secure, maintain, back up, or operate the website.

Email and Communication Providers

Providers may process subscription records, contact-form submissions, message-delivery data, and email engagement information.

Analytics Providers

Analytics providers may process device, browser, traffic, and interaction information.

Security and Anti-Spam Providers

These providers may analyze messages, comments, login attempts, traffic patterns, and technical information to identify abuse or security threats.

Affiliate Networks and Merchants

When you click an affiliate link, information may be transmitted to an affiliate network, merchant, advertiser, or tracking provider.

Advertising Providers

If advertising is used, advertising providers may collect or receive identifiers, device information, and website-interaction information.

Professional Advisers

Information may be shared with attorneys, accountants, insurers, consultants, or other advisers when reasonably necessary.

Legal and Safety Disclosures

Information may be disclosed when reasonably believed necessary to:

• Comply with law, legal process, or a government request
• Enforce agreements
• Investigate fraud or abuse
• Protect rights or property
• Address security threats
• Protect the safety of a person
• Establish, exercise, or defend legal claims

Business Transfers

Information may be transferred as part of a merger, sale, financing, restructuring, acquisition, transfer of assets, or similar business event.

10. Affiliate Links and Third-Party Websites

PreparedWithVictor.com contains links to third-party websites.

When you click a third-party link:

• The third party may receive information about the referral.
• The third party may use cookies or tracking technologies.
• The third party’s privacy policy and terms will apply.
• Prepared with Victor does not control how that party collects or uses information.

Review the merchant’s policies before providing personal or payment information.

Prepared with Victor generally does not directly receive your complete payment-card details when you purchase from an independent affiliate merchant.

11. Embedded Content

Articles may include embedded videos, maps, social-media posts, forms, podcast players, advertisements, or other content provided by third parties.

Embedded content may behave as though you visited the third-party website directly. The provider may collect information, use cookies, track interactions, or associate activity with an existing account.

12. Sale and Sharing of Personal Information

Prepared with Victor does not sell personal information in exchange for money.

However, some privacy laws define “sale,” “sharing,” or “targeted advertising” broadly. Certain transfers involving advertising, analytics, affiliate tracking, or cross-site technologies may fall within those definitions, depending on the services used and the law that applies.

Where required, eligible users may request to opt out by:

• Using the website’s cookie or privacy-preference tool: Click the bubble in the lower left corner of your screen to access
• Using a legally recognized browser-based opt-out signal
• Emailing [WebmasterVic] with the subject “Opt-Out Request”

Prepared with Victor does not knowingly sell or share the personal information of children under 16.

Delete or revise this section if the website does not use technologies that fall within applicable definitions of sale, sharing, or targeted advertising.

13. Data Retention

Information is retained only for as long as reasonably necessary for the purpose for which it was collected, including:

• Providing requested services
• Maintaining subscription records
• Responding to messages
• Operating and securing the website
• Complying with legal obligations
• Resolving disputes
• Enforcing agreements
• Maintaining appropriate business records

Retention periods may vary depending on the type of information and the service provider involved.

Information may be retained longer when required by law or reasonably necessary for legal claims, fraud prevention, safety, or security.

14. Data Security

Prepared with Victor uses reasonable administrative, technical, and organizational measures intended to protect personal information.

However, no website, email system, database, or internet transmission can be guaranteed to be completely secure.

You provide information at your own risk and should avoid sending sensitive information through unsecured methods.

15. Your Privacy Rights

Depending on your location and the laws that apply, you may have the right to:

• Request confirmation that personal information is being processed
• Request access to personal information
• Request correction of inaccurate information
• Request deletion
• Request a portable copy
• Restrict certain processing
• Object to certain processing
• Withdraw consent
• Opt out of certain sales, sharing, profiling, or targeted advertising
• Appeal the denial of an eligible privacy request
• Receive equal service without unlawful discrimination for exercising privacy rights
• File a complaint with an appropriate regulatory authority

These rights are not absolute. Exceptions may apply, and some rights apply only when Prepared with Victor meets particular legal thresholds.

To submit a request, email:

WebmasterVic

Use the subject line “Privacy Request.”

Describe the request and identify the email address or other information associated with your interaction.

I may request additional information to verify your identity. Authorized agents may submit requests where permitted, but proof of authority and identity verification may be required.

16. California Privacy Notice

This section applies only to the extent the California Consumer Privacy Act, as amended, applies to Prepared with Victor.

California residents may have rights regarding:

• Categories of personal information collected
• Sources of that information
• Business or commercial purposes for collection
• Categories of recipients
• Access to specific information
• Correction
• Deletion
• Opting out of sale or sharing
• Limiting certain uses of sensitive personal information
• Freedom from unlawful discrimination

Categories that may be collected include:

• Identifiers
• Internet or electronic-network activity
• Approximate geolocation
• Commercial or affiliate-interaction information
• Professional information included in business inquiries
• Inferences derived from website interactions
• Content submitted through forms, comments, or messages

Prepared with Victor does not knowingly collect sensitive personal information for the purpose of inferring characteristics about visitors.

To submit an applicable California request, contact [WebmasterVic].

17. European and United Kingdom Visitors

Where European or United Kingdom data-protection laws apply, visitors may have rights described in Section 15.

Information may be processed in the United States or other countries where service providers operate. Those countries may have different data-protection laws.

When legally required, appropriate safeguards will be used for international transfers.

Visitors in the European Economic Area may lodge a complaint with the data-protection authority in the country where they live, work, or believe a violation occurred.

United Kingdom visitors may have the right to contact the UK Information Commissioner’s Office.

18. Browser Privacy Signals

Some browsers offer “Do Not Track” or similar settings. Because there is not one universally accepted method for responding to every signal, the website may not respond to all Do Not Track requests.

Where required by applicable law, Prepared with Victor will make reasonable efforts to recognize supported universal opt-out signals, such as Global Privacy Control, for the applicable browser or device.

19. Children’s Privacy

PreparedWithVictor.com is intended for a general adult audience and is not directed to children under 13.

Prepared with Victor does not knowingly collect personal information from children under 13.

If you believe a child has submitted personal information, contact [WebmasterVic] so the matter can be reviewed and appropriate action taken.

Parents and guardians should supervise children’s internet use and household preparedness activities.

20. External Payment Processing

If Prepared with Victor later sells products, memberships, courses, or services, payment may be processed by an independent payment provider.

Prepared with Victor may receive information such as:

• Customer name
• Email address
• Billing status
• Product purchased
• Transaction identifier
• Partial payment information
• Refund or dispute status

The payment provider’s privacy policy will govern its handling of complete payment credentials.

This section will be updated before Prepared with Victor begins accepting direct payments.

21. Changes to This Privacy Policy

This Privacy Policy may be updated to reflect:

• Changes in website practices
• New service providers
• New features
• Changes in legal obligations
• Changes in advertising or analytics technologies
• Business developments

The revised policy will be posted with a new “Last updated” date.

When legally required, additional notice or consent will be provided.

22. Contact Me

Questions or privacy requests may be sent to:

Prepared with Victor
Attn: Privacy
Victor C. Schroy
PO Box 124, Shermans Dale
Pennsylvania, United States
Email: [WebmasterVic at Prepared With Victor dot com]