1. Who we are

Coffee with Paul is operated by Paul S, Mentor at Atlanta Group.

Contact: coffeewithpaul2023@gmail.com | WhatsApp: +91 9147053994​

2. What data we collect

When you use this website, we may collect:

• Name and email address — when you submit our contact form or sign up for our newsletter

• Message content — when you contact us through the website

• Usage data — pages visited, time spent, browser type, device type (collected automatically by Wix)

• WhatsApp messages — if you contact us via WhatsApp

We do not collect payment information, government ID numbers, or sensitive financial documents through this website.

3. Why we collect it

We collect your data only for the following purposes:

• To respond to your enquiry about loan guidance, credit repair, debt consolidation, or Mind & Money support

• To send you our newsletter (only if you opt in)

• To improve the website based on usage patterns

• To connect you with appropriate lending partners through Atlanta Group (financial guidance only)

4. How we use your data

Your data is used only for the purpose you provided it. We do not:

• Sell your personal data to any third party

• Share your data with advertisers

• Use your data for any purpose not stated here

5. Who we share your data with

We may share your data with:

• Wix.com — our website platform, which processes data to operate the site

• Atlanta Group lending partners — only if you specifically request loan guidance, and only the information necessary to process your enquiry

• Email service providers — to send newsletters you have opted into

All third parties are required to handle your data securely and only for the stated purpose.

6. Your rights under India's DPDP Act 2023

Under India's Digital Personal Data Protection Act 2023, you have the right to:

• Access the personal data we hold about you

• Correct inaccurate or incomplete data

• Erase your data (where we have no legal obligation to retain it)

• Withdraw consent at any time — this does not affect processing already done

• Nominate a representative to exercise these rights on your behalf

To exercise any of these rights, email us at coffeewithpaul2023@gmail.com. We will respond within 30 days.

7. How long we keep your data

• Contact form submissions: up to 1 month.

• Newsletter subscriptions: until you unsubscribe

• Website usage data: as per Wix's own retention policy

8. Cookies

This website uses cookies managed by Wix. These include functional cookies (necessary for the site to work) and analytics cookies (to understand how visitors use the site). You can manage cookie preferences through your browser settings.

9. Data security

We take reasonable technical and organisational measures to protect your personal data. In the event of a data breach affecting your data, we will notify you and the relevant authority as required under the DPDP Act.

10. Changes to this policy

We may update this policy when our data practices change or when the law requires it. The effective date at the top will always reflect the most recent version.

11. Contact

For any questions about this Privacy Policy or your data:

Email: coffeewithpaul2023@gmail.com
WhatsApp: +91 9147053994

TERMS OF USE

Effective date: September 2026
Website: www.thecoffeewithpaul.com

1. Acceptance of terms

By using this website, you agree to these Terms of Use. If you do not agree, please do not use the site.

2. About Coffee with Paul

Coffee with Paul provides:

• Financial guidance — information and mentorship on personal loans, home loans, CIBIL scores, debt consolidation, and related topics, through Atlanta Group's registered lending partnerships

• Mind & Money support — mentorship and educational content on workplace stress, burnout, overthinking, and introvert challenges

3. Important disclaimers

Financial guidance disclaimer:
The information on this website is for general educational and guidance purposes only. It does not constitute financial advice, investment advice, or a recommendation to apply for any specific financial product. Loan approvals are at the sole discretion of individual lenders and are subject to their own eligibility criteria. Coffee with Paul and Atlanta Group make no guarantee of loan approval.

Mental health disclaimer:
The Mind & Money content on this website is mentorship and support — not clinical therapy, counselling, or psychiatric treatment. It is not a substitute for professional mental health care. If you are experiencing a mental health crisis, please contact a licensed professional or call the Tele-MANAS helpline at 14416.

No professional-client relationship:
Accessing this website or contacting us does not create a formal professional, legal, or therapeutic relationship.

4. Use of content

All written content, frameworks (including "The Layer"), and brand materials on this website are the intellectual property of Coffee with Paul. You may not reproduce, distribute, or commercially use any content without written permission.

5. External links

This website may link to third-party sites (lenders, resources, social media). We are not responsible for the content or privacy practices of those sites.

6. Limitation of liability

To the fullest extent permitted by law, Coffee with Paul is not liable for any loss or damage arising from your use of this website, reliance on its content, or any loan or financial decision made based on information found here.

7. Governing law

These Terms are governed by the laws of India. Any disputes shall be subject to the jurisdiction of the courts of Kolkata West Bengal.

8. Changes

We may update these Terms at any time. Continued use of the website after changes constitutes acceptance of the updated Terms.

9. Contact

Email: coffeewithpaul2023@gmail.com
WhatsApp: +91 9147053994

Cookie Policy

Effective date: September 2026 Website: www.thecoffeewithpaul.com

What are cookies?

Cookies are small text files placed on your device when you visit a website. They help the site remember your preferences, understand how you use it, and improve your experience on future visits.

What cookies this site uses

Essential cookies These are necessary for the website to function. They cannot be switched off. They include cookies set by Wix (our website platform) to manage your session and keep the site running securely.

Analytics cookies We use Google Analytics (GA4) to understand how visitors use the site — which pages are visited most, how long people stay, and where they come from. This helps us improve the content. Google Analytics collects data anonymously; IP addresses are anonymised and no personally identifiable information is stored.

Functional cookies We use functional cookies to remember your preferences and deliver features like our WhatsApp chat button. These are not strictly necessary but improve your experience.

Third-party cookies

The following third-party services may place cookies on your device when you visit this site:

• Wix.com — our website platform (session management, security)

• Google Analytics — usage tracking and traffic analysis

• WhatsApp — if you click the WhatsApp button

Each of these services has its own privacy and cookie policy. We do not control the cookies they set.

Your choices

Browser settings: You can control and delete cookies through your browser settings. Most browsers allow you to refuse some or all cookies, or to delete cookies already stored. Note that blocking essential cookies may affect how the site works.

Google Analytics opt-out: You can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on.

Under India's Digital Personal Data Protection Act 2023, you have the right to withdraw consent for non-essential cookies at any time. Withdrawing consent does not affect any processing done before withdrawal.

Changes to this policy

We may update this Cookie Policy if our practices change or when the law requires it. The effective date at the top will always reflect the most recent version.

Contact

For any questions about this Cookie Policy:

Email: coffeewithpaul2023@gmail.com WhatsApp: +91 9147053994

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