SECTION 1 — TERMS OF USE

1. Acceptance of Terms
   By accessing or using this website (“Site”), you agree to be bound by these Terms of Use (“Terms”). If you do not agree, please discontinue use of the Site immediately. 
   
   
2. Changes to Terms
   Creative Room for Learning (“Company,” “we,” “our”) may update these Terms at any time. Continued use of the Site constitutes acceptance of updated Terms. 
   
   
3. Use of the Site 
   You agree to use the Site for lawful purposes only and not to disrupt or interfere with its security or functionality. 
   
   
4. Intellectual Property 
   All content—including text, graphics, images, logos, audio, and software—is the property of Creative Room for Learning and protected by applicable copyright and trademark laws. Personal, non-commercial use is permitted; reproduction or redistribution is prohibited without written permission. 
   
   
5. User-Generated Content
   If you submit any content, you grant us a non-exclusive, worldwide license to use it for operation of the Site. You confirm you have rights to the content and it does not violate third-party rights. 
   
   
6. Links to Third-Party Sites 
   Links to external sites are provided for convenience. We are not responsible for content or practices of third-party websites. 
   
   
7. Disclaimers 
   The Site is provided “as is” and “as available,” without warranties of any kind. 
   
   
8. Limitation of Liability 
   Creative Room for Learning is not liable for indirect or consequential damages arising from your use of the Site. 
   
   
9. Indemnification 
   You agree to indemnify and hold us harmless from claims arising from your misuse of the Site or violation of these Terms. 
   
   
10. Governing Law 
    These Terms are governed by the laws of the State of New Jersey, USA. EU users may also have rights under mandatory EU consumer protection laws. 

SECTION 2 — PRIVACY POLICY (GDPR–Compliant) 

1. Data Controller
   Creative Room for Learning 
   Email: memoirmomentum@gmail.com 
   We act as the Data Controller for personal information collected on this Site. 
   
   
2. Information We Collect 
   • Contact information (name, email, phone if provided) 
   • Payment details (processed through secure third-party processors; we do not store card data) 
   • Usage data (IP address, device information, pages viewed) 
   • Cookies and analytics information  
   
   
3. Legal Bases for Processing (GDPR) 
   We process data under the following bases: 
   • Consent (e.g., newsletter sign-ups) 
   • Contract performance (e.g., program registration) 
   • Legitimate interests (e.g., website functionality, security) 
   • Legal obligations (e.g., tax documentation) 
   
   
4. How We Use Personal Data 
   We use your data to: 
   • Provide services and respond to inquiries 
   • Deliver newsletters and updates 
   • Improve website performance and analytics 
   • Maintain security and detect misuse  
   
   
5. Data Retention
   We retain personal data only as long as necessary for the purposes for which it was collected, or as required by law. 
   
   
6. Sharing of Information 
   We may share data with trusted service providers (e.g., email marketing platforms, payment processors). All vendors are bound by Data Processing Agreements (DPAs). 
   
   
7. International Transfers 
   If data is transferred outside the EU, we use Standard Contractual Clauses (SCCs) and supplemental safeguards. 
   
   
8. Your GDPR Rights 
   You may: 
   • Request access to your data 
   • Request correction or deletion 
   • Withdraw consent at any time 
   • Object to processing 
   • Request data portability 
   • Lodge a complaint with an EU supervisory authority 
   
   Requests can be sent to memoirmomentum@gmail.com. 

SECTION 3 — COOKIE NOTICE (GDPR + ePrivacy Directive) 

1. What Are Cookies?
   Cookies are small files stored on your device to improve your browsing experience and enable website functionality. 
   
   
2. Types of Cookies We Use 
   • Essential cookies — required for site functionality 
   • Analytics cookies — track usage; loaded only with consent 
   • Preference cookies — remember your settings 
   • Marketing cookies — used only with explicit opt-in  
   
   
3. Prior Consent Requirement 
   Under GDPR and the ePrivacy Directive: 
   • Non-essential cookies are disabled until you provide consent 
   • You may accept, reject, or customize cookie categories 
   • You can withdraw consent at any time through the cookie banner or browser settings  
   
   
4. Third-Party Cookies 
   Tools such as Google Analytics, Meta Pixel, or email marketing trackers may set cookies only if you consent. 
   
   
5. Cookie Duration
   Cookies may be session-based (expire when you close your browser) or persistent (expire after a set time). 

SECTION 4 — CONTACT INFORMATION 

For questions or requests related to these Terms, Privacy Policy, or Cookie Notice, please contact: 

Creative Room for Learning  
Email: memoirmomentum@gmail.com 
Phone: 323-510-8816