PRIVACY POLICY

S Joye & Associates LLC. ("we," "us," or "S Joye & Associates"), is firmly committed to privacy.  The following discloses our information gathering and dissemination practices for this Website (the "Website") and the use of our service ("Service"). By accessing the Website, you accept this Privacy Statement and agree to the terms, conditions, and notices contained or referenced herein. We reserve the right to make changes to this Privacy Statement at any time without prior notice, and such changes become effective once a revised Privacy Policy is posted on our Website.  Your continued use of our Website constitutes your acceptance of such changes. Accordingly, you should review this Privacy Statement from time to time for changes.
THIS PRIVACY STATEMENT WAS LAST UPDATED ON: September 17, 2022.
S Joye & Associates LLC ("simonejoye.com," "ghanatravelgroup.com", "ladyscape.net") is committed to ensuring your personal information is protected. This privacy policy was created to demonstrate our commitment to protecting your personal information and informing you about how we handle any information we receive from you. This privacy policy only applies to transactions and activities in which you engage and data gathered on the ghanatravelgroup.com  website but does not apply to any other Website or offline point of contact with any other company and consumers we do not control.
Please note we reserve the right to change our privacy policy at any time. If such a change occurs, you will be notified via our Site.  Each time you visit the Site or provide us with information, you accept the practices described in this privacy policy at that time.
If you have any issues with the content on our Site or with this privacy statement, or the way your personal information is being handled, please contact ceo@simonejoye.com.
A.        Your IP Address
Each time you visit the Site, we automatically collect your IP address, SM.com cookie information, and the web page from which you came. To administer and optimize the Site for you and diagnose problems with our Site, we use your IP address to help identify you and gather broad demographic information about you. 
B.        Cookies
Cookie files saved to your computer are used for record-keeping purposes on some sites. We can also use cookies to deliver content specific to your interests, to save your password, and if you choose, to save other personal and financial information, so you do not have to re-enter it each time you visit the Site. Third-party advertisers on the Site may also place or read cookies on your browser. To disable these cookies, go to the "help" portion of the toolbar on your browser, and this should tell you how. However, if you set your browser to disable cookies, you may not access certain areas on the Site. 
C.     What We Collect From You
We collect "personal information" from you. We do this to operate the Site and occasionally display advertisements about products or services that may be of interest to you. Personal Information is information about you that is personally identifiable, like your name, address, email address, or phone number, and that is not otherwise publicly available. We also collect "financial information" such as your credit/debit card numbers or passwords. Further, we collect certain "demographic information," which is neither personal information nor financial information; this may include, but is not limited to, zip code, gender, username, and age/birth date.
We do NOT knowingly collect personal information from children under the age of 18, as we require that all users prove to us that they are at least 18 years old.
D.      Information from other sources
This Site is a part of the S Joye & Associates LLC (simonejoye.com) family of businesses that includes other websites as of the date of this policy. We may periodically obtain personal and non-personal information about you from other S Joye & Associates LLC businesses, business partners, contractors, and other third parties and add it to our account information or other information we have collected.
E.       Information about others
We may collect and store personal information about other people you provide, such as their name, address, and email address. If you use our Website to send others (friends, relatives, colleagues, etc.) a product as a gift, we may store your personal information and the personal information of each such recipient to process those requests or facilitate future activities.
F.       What Other Websites Collect From You
Our Site contains links to other websites. You need to be aware that when you click on these links and visit these other websites  (regardless of whether or not they contain our brand names, trademarks, and other intellectual property), we do NOT control these other websites or these other Website's business practices, and that this privacy policy does not apply to these other websites. Each of these websites should have its Privacy Policy if it is collecting personal information about you. We encourage you to review their privacy policies and remind you that we will not be responsible for their actions.
G.       How We Use Personal Information
We use your email address, and your other personal information to help us efficiently operate the Site, to contact you in connection with your membership and other activities on the Site (including, but not limited to, confirmation emails or important news that could affect your relationship with efordgroup.com, and to forward messages to you from other efordgroup.com users. These types of communications are known as "Operational Communications."
To operate the Site, we may share your personal information with our agents, representatives, contractors, and service providers so they can provide us with support services such as authorization of credit card transactions, email origination, receipt or support services, and customer relationship management services. We require these entities not to use your information for any other purpose.
Any third party with whom we are allowed to share your personal information is authorized to use your personal information per our contractual arrangements with such third parties and per their privacy policies, over which we have no control, and you agree that we are not responsible or liable for any of their actions or omissions. Those who contact you will need to be instructed directly by you regarding your preferences to use your personal information by them.
Please read the information below under the heading "Special Cases in which we Share Personal and Financial Information" to learn more ways in which we may share your personal information.
H.            How We Use Financial Information
We use your financial information to, if applicable, check your qualifications and to bill you our service. By making a purchase or engaging in any other kind of activity or transaction that uses financial information on the Site, you consent to our providing your financial information to our service providers and such third parties as we determine necessary to support and process your activities and transactions, as well as to your credit card issuer for their purposes. These third parties may include the credit card companies and banking institutions to process and support the transaction or activity.
I.              Location Information and Services 
This service includes location-based services and features. These features are used to connect you to other users based upon your geographic location and provide other services that personalize your experience. To implement these features, we collect your location data, including but not limited to GPS data, WiFi data, and cell tower data.
Special Cases in which we Share Personal and Financial Information
Your personal information or financial information may be passed on to a third party in the event of a transfer of ownership or assets, or a bankruptcy, or to comply with the law or protect the interests or safety of efordgroup.com or other visitors to the Site.
J.             How We Use Public Information and Other Demographic Information 
We may review all your demographic information. We may use public information to enable other users to determine whether they match you and communicate with you. We may use demographic information to tailor the Site and cater to your interests. We may also share demographic information with advertisers on an anonymous and aggregated basis (i.e., without telling the advertisers your identity). One of the reasons we may do this is to increase the likelihood that our advertisers' goods and services will appeal to S Joye & Associates' users to target specific ads at specific demographic groups. Our sharing of demographic information with advertisers is anonymous (i.e., we do not tell advertisers which particular users are members of which demographic groups), subject to the rest of this privacy policy. When you respond to an advertisement, however, we ask you to remember that if that ad is targeted to a demographic group and you decide to give the advertiser your personal information, the advertiser may identify you as a member of that demographic group.
We may also use the information you provided during registration to automatically set up an email account for you at the registered site.
K.            Our Security Precautions
The Site has security measures to protect against the loss, misuse, and alteration of the information under our control. Our secure server software (SSL) is the industry standard and among the best software available today for secure commerce transactions. We encrypt all of your personal and financial information as it travels over the Internet, and we store your financial information on our servers in encrypted form. Your information may be transferred to and maintained on computer networks that may be located outside of the state, province, country, or other governmental jurisdiction in which you reside, and the country or jurisdiction in which these computer networks are located may not have privacy laws as protective as the laws in your country or jurisdiction.
Furthermore, we can process your payments through Pay Pal, which will allow you to securely process your transactions without you having to share your financial information.
L.            Changing our Privacy Policy for Previously Gathered Information
If we decide to use particular personally identifiable information in a manner different from that stated at the time it was collected, we will notify users by email or by providing 30 days' notice on the Site. Please note that we will continue to have the right to change our privacy policy and practices and how we use your personally identifiable information, without notice, as described in the first paragraph of this Privacy Policy, provided that such changes shall only apply to information gathered on or after the date of the change.
M.           How You Can Access and Update Your Email Preferences, Personal Information, and Public Information
We allow you to modify the personal information or demographic information you have provided to us at any time. Please be aware that it may take several hours for the changes you make to take effect on the public areas of the Site. We thank you for your patience. Please note that changing or deleting your information will only change or delete the data in our database for future activities on the Site and for managing future communications from efordgroup.com. These changes and deletions will not change or delete emails or information that we may have already forwarded to other users or credit card companies, or any other third parties, all as provided above in this privacy policy. If you have any questions or concerns about this privacy policy, the Site's practices, or your dealings with the Site, please contact us.
The protection of your privacy is very important, and we have adopted the following practices to safeguard your personal information confidentiality.
N.            What Information is collected?
We collect two types of information: personally identifiable information ("PII") and non-personally identifiable information ("Non-PII"), which is also referred to as aggregate and anonymous data.
O.            What information do you gather automatically from visitors?
We use your IP address (the series of numbers associated with your individual computer) to help us maintain our Site, identify problems with our server, and provide you with an enhanced experience. We do use cookies (small pieces of removable data that are stored by the web browser on your computer, mobile phone, or another device that identifies your computer, mobile phone, or another device when you visit our Site or Service) to identify traffic that comes through advertising, to facilitate a more user-friendly experience, to track aggregate site usage patterns for analytics and troubleshooting purposes, detect fraud and to protect both You and Us. Cookies are small pieces of information that a website places on your computer's hard drive, so we know it's you when you visit. For example, we use cookies to store your login ID (but never your password) to make it easier for you to login whenever you come back to the Service. This helps us to create a personalized experience for you when you visit our Site. The use of cookies is a very common practice on the Internet and provides a more customized user experience of the Website. Most web browsers are initially set up to accept cookies. If you are uncomfortable with this, you can disable all cookies through your browser settings. However, should you choose to disable all cookies, this will impact and/or prevent your ability to access and use the Service.
P.             What information will you ask me for?
When you establish a Profile on the Website, you will be asked for some general identifying information that will enable us to provide you with this individualized service. We gather contact information (e.g., your email address) and demographic information (e.g., city of residence or age). If you choose to become an Advertiser, we also collect financial information (your credit card number and expiry date).
While register and creating a Profile, you will be given the option of creating a pseudonymous profile (username, password, and personal description) where your gender is applicable. Personal information that may identify you is not permitted on your Profile. Please note, you may upload photos to your Profile. The type of photos you upload may identify you.
Q.             Financial Information
We may require certain additional information under some circumstances, including but not limited to your credit card billing information. We use this financial information, including your name, address, and other information, to bill you for the use of our services and products. By making a purchase, or engaging in any other kind of activity or transaction that uses financial information on the Website, you consent to our providing of your financial information to our service providers and such third parties as we determine necessary to support and process your activities and transactions, as well as to your credit card issuer for their purposes.
These third parties may include credit card companies, data processing companies, and banking institutions to process and support your transaction or activity.
R.              Unsolicited Contact (SPAM)
S Joye & Associates, our affiliates, and our channel partners do not send unsolicited emails at any time. However, you consent to receive email messages to the email address you register on your Profile, e.g., for marketing purposes and from members. You may opt-out of receiving email messages at any time by sending a request to simonejoyeassociates@gmail.com
S.          Do you monitor online behavior?
While we do not, as a rule, moderate or monitor advertisers' private exchanges, we reserve the right to do so if we suspect users of being under the age of 18 or of using our service for solicitation or any other violation of our Terms & Conditions or Privacy Statement. Submissions that appear on the public area of the Site are moderated and, if necessary, we reserve the right to edit, delete, remove or not use any communication on a public area of the Site.
T.            Affiliates
When you register to become an Affiliate, you will be asked for contact information. Your information will only be used by internal staff and will never be shared with anyone external to the company other than our affiliated or related companies and their respective advisors and representatives.
U.            Other Information Collectors
Except as otherwise expressly described in this Privacy Statement, this document only addresses the use and disclosure of information we collect from you. To the extent that you disclose your information to other parties, whether they are on our Website (including links to third-party sites) or other sites throughout the Internet, different rules may apply to their use or disclosure of the information you disclose to them. To the extent that we use third-party advertisers or have third-party e-commerce partners, they adhere to their privacy policies. Since we do not control any third parties' privacy policies, you should investigate their policies before you disclose your personal information to them.
V.            Security
We treat data as an asset that must be protected against loss and unauthorized access. To safeguard the confidentiality and security of your PII, we use industry-standard practices and technologies including but not limited to "firewalls," encrypted transmission via SSL (Secure Socket Layer), and strong data encryption of sensitive personal and/or financial information when it is stored to disk.
W.           California Privacy Rights
Under California Civil Code sections 1798.83-1798.84, California residents are entitled to ask S Joye & Associates for a notice describing what categories of personal customer information we share with third parties or affiliates for those third parties or affiliates direct marketing purposes. That notice will identify the categories of information shared and will include a list of the third parties and affiliates with whom it was shared, along with their names and addresses. If you
are a California resident and would like a copy of this notice; please submit a written request to the address listed below. Please note that it may take 60 days from receipt of your written request to receive the notice.
To contact us concerning Privacy issues, please email us ceo@simonejoye.com or mail:  Attn: Privacy Officer
S Joye & Associates. 5422 Ebenezer Road, Unit 444, White Marsh, MD 21162.