PRIVACY POLICY

Thank you for visiting our website (“Site”). (“Jesus MBA™” or the “Company”) is committed to treating the personal and corporate information of our Site users, customers, and vendors with respect and sensitivity.

We’ve updated our Privacy Policy and improved our privacy practices so we can better safeguard your data. This Site also uses cookies to personalize your experience and target advertising. By continuing to use our Site, you accept the terms of this Privacy Policy, our Terms of Use, and our Cookies policy. To learn how to opt out of our use of Cookies on this Site, click here, but please note that if you disable cookies you may not be able to use all the features of our site.

This Privacy Policy (together with our Terms of Use and any other policies referenced) identifies how we will collect and process any personally identifiable information, such as your name, email, address, financial account information, etc., that we collect from you, or that you provide to us.

1.WHO WE ARE

YotaLabs Inc., a Delaware corporation, operates jesusmba.org, demfresh.com, and the programs sold through them, including Bible Business School™, Jesus MBA™, the F.A.S.T. Challenge™, the R.U.L.E. of Finance workshop, and the Kingdom Builders community (together, the "Services").

In this policy, "we," "us," and "our" mean YotaLabs Inc. "You" means anyone who visits our sites, buys a program, joins a community, attends a session, or contacts us.

For privacy law purposes, YotaLabs Inc. is the controller of your personal information (a "business" under California law).

Contact: [email protected] Postal: YotaLabs Inc., c/o A Registered Agent, Inc., 8 The Green, Suite A, Dover, DE 19901, United States

This policy explains what we collect, why, who we share it with, how long we keep it, and what rights you have. It applies to all of the Services. Our Terms of Service govern your use of them.

2. THE SHORT VERSION

  • We collect what you give us (name, email, payment details, what you write to us) and what your device tells us (IP address, pages viewed, how you found us).

  • Live sessions are recorded. If you speak, appear on camera, or post in chat, that is collected.

  • We use it to deliver what you bought, support you, improve the programs, and market to you.

  • We do not sell your personal information for money. We do use advertising pixels, and under some US state laws that counts as "sharing" — see Section 7.

  • We never share your phone number or SMS consent with anyone for their marketing.

  • You can ask us for a copy of your data, ask us to correct or delete it, and opt out of marketing at any time. Section 10 and Section 11 explain how

3. WHAT WE COLLECT

3.1 Information you give us

Category

Identifiers

Payment information

Transaction records

Communications

Program activity

Community content

Audio and video

Business information

Examples

Name, email address, postal address, phone number, account username

Billing name and address, last four digits and card type, transaction ID

What you bought, when, amount paid, refund and dispute history

Emails, support tickets, replies, survey answers

Modules watched, progress, downloads, questions asked, worksheet entries

Messages, posts, and files you share in Kingdom Builders or any community we host

Your voice, image, display name, and chat messages during recorded live sessions; video and written testimonials

Your industry, revenue range, role, goals — where you choose to share it

Data

Account and program access

Transaction and tax records

Marketing contact data

Support communications

Session recordings

Testimonials in published marketing

Cookie and analytics data

When

Purchase, account creation, opt-in, contact

Checkout. We never receive or store your full card number — see Section 6.

Purchase

When you contact us

Using the programs

Participation

Live sessions, testimonials

Applications, coaching, surveys

Retention

While your account is active, then △ DECIDE — e.g. 3 years after last activity

7 years, to satisfy US tax and accounting requirements

Until you unsubscribe, then a suppression record kept indefinitely so we don't email you again

△ DECIDE — e.g. 3 years from the last message

While the program is offered, plus any period needed for legal claims

Until you withdraw consent, plus time to remove from circulation

Typically up to 26 months

Category

Identifiers

Payment information

Transaction records

Communications

Program activity

Community content

Audio and video

Business information

Examples

Name, email address, postal address, phone number, account username

Billing name and address, last four digits and card type, transaction ID

What you bought, when, amount paid, refund and dispute history

Emails, support tickets, replies, survey answers

Modules watched, progress, downloads, questions asked, worksheet entries

Messages, posts, and files you share in Kingdom Builders or any community we host

Your voice, image, display name, and chat messages during recorded live sessions; video and written testimonials

Your industry, revenue range, role, goals — where you choose to share it

Data

Account and program access

Transaction and tax records

Marketing contact data

Support communications

Session recordings

Testimonials in published marketing

Cookie and analytics data

When

Purchase, account creation, opt-in, contact

Checkout. We never receive or store your full card number — see Section 6.

Purchase

When you contact us

Using the programs

Participation

Live sessions, testimonials

Applications, coaching, surveys

Retention

While your account is active, then △ DECIDE — e.g. 3 years after last activity

7 years, to satisfy US tax and accounting requirements

Until you unsubscribe, then a suppression record kept indefinitely so we don't email you again

△ DECIDE — e.g. 3 years from the last message

While the program is offered, plus any period needed for legal claims

Until you withdraw consent, plus time to remove from circulation

Typically up to 26 months

Category

Identifiers

Payment information

Transaction records

Communications

Program activity

Community content

Audio and video

Business information

Examples

Name, email address, postal address, phone number, account username

Billing name and address, last four digits and card type, transaction ID

What you bought, when, amount paid, refund and dispute history

Emails, support tickets, replies, survey answers

Modules watched, progress, downloads, questions asked, worksheet entries

Messages, posts, and files you share in Kingdom Builders or any community we host

Your voice, image, display name, and chat messages during recorded live sessions; video and written testimonials

Your industry, revenue range, role, goals — where you choose to share it

Data

Account and program access

Transaction and tax records

Marketing contact data

Support communications

Session recordings

Testimonials in published marketing

Cookie and analytics data

When

Purchase, account creation, opt-in, contact

Checkout. We never receive or store your full card number — see Section 6.

Purchase

When you contact us

Using the programs

Participation

Live sessions, testimonials

Applications, coaching, surveys

Retention

While your account is active, then △ DECIDE — e.g. 3 years after last activity

7 years, to satisfy US tax and accounting requirements

Until you unsubscribe, then a suppression record kept indefinitely so we don't email you again

△ DECIDE — e.g. 3 years from the last message

While the program is offered, plus any period needed for legal claims

Until you withdraw consent, plus time to remove from circulation

Typically up to 26 months

Please don't send us what we don't need. Do not provide health information, government ID numbers, financial account numbers, or anyone else's personal information through our forms or communities.

3.2 Religious beliefs — special note

Our programs teach business principles drawn from the Bible, and many participants share their faith freely in sessions and communities. We never require you to disclose your religious beliefs, and we do not ask about them as a condition of purchase or participation.

If you choose to share your beliefs — in a testimonial, a prayer request, a community post, or a coaching call — you are volunteering that information. Under European and UK law, religious belief is a special category of personal data, and where that law applies we process it only on the basis of your explicit consent or because you have manifestly made it public yourself. You can withdraw that consent at any time by emailing [email protected].

3.3 Information collected automatically

IP address, approximate location derived from it, device and browser type, operating system, language, referring URL, pages viewed, time on page, clicks and scrolls, email opens and link clicks, and identifiers set by cookies and similar technologies. See Section 8.

3.4 Information from other sources

Advertising and analytics platforms (aggregate campaign data and, where you have permitted it, matched identifiers), payment processors (transaction outcomes and fraud signals), our email and CRM platforms, affiliates and partners who refer you, and publicly available sources such as your business website or public social profile.

4. WHY WE USE IT

Purpose

Deliver programs, grant access, run live sessions

Process payments, prevent fraud and chargebacks

Provide support and answer your questions

Send transactional messages (receipts, access, schedule changes)

Send marketing about our programs

Advertise on third-party platforms and measure it

Publish testimonials and session recordings

Process religious or other special-category data

Improve programs and understand what works

Keep the Services secure; investigate misuse

Comply with tax, accounting, and other legal duties

Establish, exercise, or defend legal claims

Data

Account and program access

Transaction and tax records

Marketing contact data

Support communications

Session recordings

Testimonials in published marketing

Cookie and analytics data

Legal basis (EEA/UK)

Performance of a contract

Contract; legitimate interests; legal obligation

Contract; legitimate interests

Contract

Consent where required; otherwise legitimate interests

Consent where required; otherwise legitimate interests

Consent

Explicit consent, or manifestly made public by you

Legitimate interests

Legitimate interests

Legal obligation

Legitimate interests

Retention

While your account is active, then △ DECIDE — e.g. 3 years after last activity

7 years, to satisfy US tax and accounting requirements

Until you unsubscribe, then a suppression record kept indefinitely so we don't email you again

△ DECIDE — e.g. 3 years from the last message

While the program is offered, plus any period needed for legal claims

Until you withdraw consent, plus time to remove from circulation

Typically up to 26 months

Purpose

Deliver programs, grant access, run live sessions

Process payments, prevent fraud and chargebacks

Provide support and answer your questions

Send transactional messages (receipts, access, schedule changes)

Send marketing about our programs

Advertise on third-party platforms and measure it

Publish testimonials and session recordings

Process religious or other special-category data

Improve programs and understand what works

Keep the Services secure; investigate misuse

Comply with tax, accounting, and other legal duties

Establish, exercise, or defend legal claims

Data

Account and program access

Transaction and tax records

Marketing contact data

Support communications

Session recordings

Testimonials in published marketing

Cookie and analytics data

Legal basis (EEA/UK)

Performance of a contract

Contract; legitimate interests; legal obligation

Contract; legitimate interests

Contract

Consent where required; otherwise legitimate interests

Consent where required; otherwise legitimate interests

Consent

Explicit consent, or manifestly made public by you

Legitimate interests

Legitimate interests

Legal obligation

Legitimate interests

Retention

While your account is active, then △ DECIDE — e.g. 3 years after last activity

7 years, to satisfy US tax and accounting requirements

Until you unsubscribe, then a suppression record kept indefinitely so we don't email you again

△ DECIDE — e.g. 3 years from the last message

While the program is offered, plus any period needed for legal claims

Until you withdraw consent, plus time to remove from circulation

Typically up to 26 months

Purpose

Deliver programs, grant access, run live sessions

Process payments, prevent fraud and chargebacks

Provide support and answer your questions

Send transactional messages (receipts, access, schedule changes)

Send marketing about our programs

Advertise on third-party platforms and measure it

Publish testimonials and session recordings

Process religious or other special-category data

Improve programs and understand what works

Keep the Services secure; investigate misuse

Comply with tax, accounting, and other legal duties

Establish, exercise, or defend legal claims

Data

Account and program access

Transaction and tax records

Marketing contact data

Support communications

Session recordings

Testimonials in published marketing

Cookie and analytics data

Legal basis (EEA/UK)

Performance of a contract

Contract; legitimate interests; legal obligation

Contract; legitimate interests

Contract

Consent where required; otherwise legitimate interests

Consent where required; otherwise legitimate interests

Consent

Explicit consent, or manifestly made public by you

Legitimate interests

Legitimate interests

Legal obligation

Legitimate interests

Retention

While your account is active, then △ DECIDE — e.g. 3 years after last activity

7 years, to satisfy US tax and accounting requirements

Until you unsubscribe, then a suppression record kept indefinitely so we don't email you again

△ DECIDE — e.g. 3 years from the last message

While the program is offered, plus any period needed for legal claims

Until you withdraw consent, plus time to remove from circulation

Typically up to 26 months

We do not use your personal information to make automated decisions producing legal or similarly significant effects about you.

5. LIVE SESSIONS AND RECORDINGS

Live sessions are recorded, and replays may be sold, shared with future cohorts, or used in marketing. Recordings may capture your name, display name, voice, image, and chat messages.

If you would rather not appear: keep your camera and microphone off, use a display name that does not identify you, and do not post in chat. You can participate fully that way.

If you have already appeared in a recording and want your appearance removed from future uses, email [email protected]. We will remove it from materials we still control going forward. We cannot recall recordings already distributed to participants or ads already placed with platforms.

6. WHO WE SHARE IT WITH

We do not sell your personal information for money. We share it with:

Service providers acting on our instructions — payment processing, website and video hosting, email and CRM, scheduling and webinars, community platforms, analytics, customer support, accounting and tax. They may use your information only to perform their services for us.

Payment processors. Card details go directly to our processor. We do not receive or store your full card number. Their handling is governed by their own privacy policy and PCI-DSS standards.

Third-party platforms you choose to use. If you join a community hosted on WhatsApp, your phone number, profile, and messages are processed by Meta Platforms, Inc. under Meta's terms and privacy policy, not ours. We cannot control or delete what Meta holds. Do not join if you are not comfortable with that.

Advertising and analytics platforms — see Section 7.

Professional advisers — lawyers, accountants, auditors, insurers, under duties of confidentiality.

Legal and safety — where required by law, subpoena, or court order; to enforce our Terms; to investigate fraud; or to protect the rights, property, or safety of any person.

Business transfers — in a merger, acquisition, financing, or sale of assets, subject to this policy continuing to apply.

Never shared for others' marketing: your phone number and SMS opt-in consent. We do not share mobile information with third parties or affiliates for their marketing or promotional purposes.

7. ADVERTISING, AND WHAT "SALE" AND "SHARING" MEAN

We use advertising and analytics technologies from providers including Meta Platforms, Inc. and Google LLC to show our programs to people likely to be interested and to measure whether our ads work. These involve disclosing identifiers such as cookie IDs, device identifiers, IP address, and in some cases a hashed version of your email address.

We do not receive money for this. But several US state privacy laws define "sale" broadly, and California defines "sharing" to include disclosing personal information for cross-context behavioral advertising. Under those definitions, our advertising activity may constitute a "sale" or "sharing."

You can opt out. Use the "Do Not Sell or Share My Personal Information" link in our website footer, or email [email protected] with that phrase as the subject line. We also honor the Global Privacy Control (GPC) signal transmitted by your browser as a valid opt-out request for that browser and device.

Your opt-out applies to the specific browser and device you use. If you clear cookies, switch browsers, or use another device, set it again.

8. COOKIES AND SIMILAR TECHNOLOGIES

We use cookies, pixels, tags, web beacons, and local storage to keep the site working, remember your preferences, understand traffic, and deliver and measure advertising.

Strictly necessary cookies keep you logged in, secure your session, and remember your cart. These cannot be turned off. Analytics cookies tell us which pages work and where people leave. Advertising cookies support the activity described in Section 7.

In the EEA, the UK, and other regions requiring it, we do not set non-essential cookies until you consent through our cookie banner, and you may withdraw consent at any time via the banner or your browser settings.

Blocking cookies through your browser is always available, but parts of the Services may stop working.

9. HOW LONG WE KEEP IT

Data

Account and program access

Transaction and tax records

Marketing contact data

Support communications

Session recordings

Testimonials in published marketing

Cookie and analytics data

Data

Account and program access

Transaction and tax records

Marketing contact data

Support communications

Session recordings

Testimonials in published marketing

Cookie and analytics data

Retention

While your account is active, then △ DECIDE — e.g. 3 years after last activity

7 years, to satisfy US tax and accounting requirements

Until you unsubscribe, then a suppression record kept indefinitely so we don't email you again

△ DECIDE — e.g. 3 years from the last message

While the program is offered, plus any period needed for legal claims

Until you withdraw consent, plus time to remove from circulation

Typically up to 26 months

Retention

While your account is active, then △ DECIDE — e.g. 3 years after last activity

7 years, to satisfy US tax and accounting requirements

Until you unsubscribe, then a suppression record kept indefinitely so we don't email you again

△ DECIDE — e.g. 3 years from the last message

While the program is offered, plus any period needed for legal claims

Until you withdraw consent, plus time to remove from circulation

Typically up to 26 months

Data

Account and program access

Transaction and tax records

Marketing contact data

Support communications

Session recordings

Testimonials in published marketing

Cookie and analytics data

Data

Account and program access

Transaction and tax records

Marketing contact data

Support communications

Session recordings

Testimonials in published marketing

Cookie and analytics data

Retention

While your account is active, then △ DECIDE — e.g. 3 years after last activity

7 years, to satisfy US tax and accounting requirements

Until you unsubscribe, then a suppression record kept indefinitely so we don't email you again

△ DECIDE — e.g. 3 years from the last message

While the program is offered, plus any period needed for legal claims

Until you withdraw consent, plus time to remove from circulation

Typically up to 26 months

Retention

While your account is active, then △ DECIDE — e.g. 3 years after last activity

7 years, to satisfy US tax and accounting requirements

Until you unsubscribe, then a suppression record kept indefinitely so we don't email you again

△ DECIDE — e.g. 3 years from the last message

While the program is offered, plus any period needed for legal claims

Until you withdraw consent, plus time to remove from circulation

Typically up to 26 months

Where we no longer need information, we delete or irreversibly anonymize it. We may keep what we need to resolve disputes, enforce agreements, or comply with law.

10. YOUR RIGHTS — UNITED STATES

Depending on your state — including California, Colorado, Connecticut, Virginia, Utah, Texas, Oregon, Montana, and others with comprehensive privacy laws — you may have the right to:

Know and access the categories and specific pieces of personal information we have collected, the sources, the purposes, and the categories of recipients;

Correct inaccurate personal information;

Delete personal information we hold about you;

Obtain a portable copy of information you provided;

Opt out of targeted advertising, and of any "sale" or "sharing" (see Section 7);

Limit the use of sensitive personal information, where applicable;

Not be discriminated against for exercising any of these rights. We will not deny you a program, charge a different price, or provide a lesser experience because you exercised a privacy right.

How to exercise them. Email [email protected] with the subject line "Privacy Request," telling us which right you are exercising and the email address you used with us.

Verification. We must verify your identity before acting. We will usually do this by sending a code to the email address already on your account. We may ask for additional information for high-risk requests. We will not create a new account or collect new data solely to verify you.

Timing. We acknowledge within 10 business days and respond within 45 days, extendable once by a further 45 days where reasonably necessary, and we will tell you if we need the extension.

Authorized agents. You may use an agent. We will require written authorization signed by you, or a power of attorney, and we may contact you directly to confirm.

Appeals. If we deny your request, you may appeal by replying to our decision with "Privacy Appeal" in the subject line. We will respond within 45 days with our decision and reasons. If we deny the appeal, you may contact your state Attorney General.

California: you may also request the specific categories we collected, disclosed, sold, or shared in the preceding 12 months, and you may make requests twice in a 12-month period free of charge.

11. YOUR RIGHTS — EEA, UK, AND ELSEWHERE

If you are in the European Economic Area, the United Kingdom, or Switzerland, you have the right to access, rectify, erase, restrict processing, object to processing (including to direct marketing at any time), data portability, and to withdraw consent at any time without affecting prior processing.

Exercise any of these by emailing [email protected]. We respond within one month, extendable by two further months for complex requests.

Complaints. You may lodge a complaint with your local supervisory authority. In the UK, that is the Information Commissioner's Office.

International transfers. We are based in the United States and your information will be transferred to and processed there and in other countries where our service providers operate. Where we transfer personal information out of the EEA or UK, we rely on the European Commission's Standard Contractual Clauses and the UK International Data Transfer Addendum, together with additional safeguards where needed. Where a provider is certified under the EU-US Data Privacy Framework and its UK Extension, we may rely on that certification. You may request a copy of the relevant safeguards from us.

12. CHILDREN

The Services are not directed to children under 13, and we do not knowingly collect personal information from anyone under 13. If we learn that we have, we will delete it promptly.

You must be 18 or older to purchase. Anyone 13 to 17 may use the Services only with a parent or guardian's involvement and consent, consistent with Section 4 of our Terms of Service.

If you believe a child under 13 has given us information, email [email protected] and we will remove it.

13. MARKETING AND HOW TO STOP IT

Email. Every marketing email carries an unsubscribe link. Unsubscribing takes effect promptly; allow up to 10 days for messages already queued. You cannot unsubscribe from transactional messages — receipts, access details, schedule changes, and account notices — while you hold an active program.

SMS, if you have opted in: reply STOP to end and HELP for help. Message and data rates may apply. Frequency varies. We do not share your number or your consent with anyone for their marketing.

Ads: see Section 7.

14. SECURITY

We use technical and organizational measures appropriate to the risk — encryption in transit, access controls, least-privilege administration, and vetted providers. No method of transmission or storage is completely secure, and we cannot guarantee absolute security. Protect your own account by using a strong, unique password and not sharing your login.

If a breach affects your personal information, we will notify you and the relevant regulators where the law requires.

15. LINKS AND THIRD-PARTY SITES

Our Services link to sites and platforms we do not control, including social media, payment pages, and community platforms. This policy does not apply to them. Read their policies before providing information.

16. CHANGES

We may update this policy. The "Last Updated" date will change, and we will notify registered users by email of material changes. Continued use after the effective date means you accept the updated policy. The English version controls over any translation.

17. DISPUTES ABOUT PRIVACY

Any dispute relating to this policy or to our handling of your personal information is subject to our Terms of Service, including the governing law, informal resolution, binding individual arbitration, and class action waiver provisions in Section 30 of those Terms — and including your right to opt out of arbitration within 30 days. Nothing in this section limits your right to complain to a regulator or supervisory authority as described in Sections 10 and 11.

18. CONTACT US

YotaLabs Inc. c/o A Registered Agent, Inc. 8 The Green, Suite A, Dover, DE 19901 United States

Privacy requests and questions: [email protected] (subject line: "Privacy Request")

© 2026 YotaLabs Inc. All rights reserved.

©2026. https://JesusMBA.org owner(-s). EARNINGS DISCLAIMER: Results may vary. Results are not a promise. We don’t believe in “get rich” programs - only in hard work, adding value, building a real and professional career, and serving others with excellence. Results in case studies and testimonies are not typical and are not a guarantee of your success. Dem Fresh is an experienced business owners and investor; your results will vary depending on your education, effort, application, experience, background and relationships with your Lord. Due to the sensitivity of financial information, we do not know or track the typical results of our students. We cannot guarantee that you will make money or that you will be successful if you employ their business strategies specifically or generally. Consequently, your results may significantly vary from theirs. We do not give investment, tax, or other professional advice. Specific transactions and experiences are mentioned for INFORMATIONAL PURPOSES ONLY. The information contained within this website is the property of https://JesusMBA.org owner(-s). Any use of the images, content, or ideas expressed herein without the express written consent of https://JesusMBA.org owner(-s) is prohibited. Copyright © 2026 https://JesusMBA.org owner(-s). All Rights Reserved


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