Effective Date: April 23, 2026

At O2 Wellness Lab ("we," "us," or "our"), we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, store, retain, and safeguard information when you access or use our website at https://www.02financial.com (the "Website").

By accessing or using the Website, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please discontinue use of the Website.

This Privacy Policy should be read together with any additional notices we may provide on specific pages or at the point of data collection.

1. Scope of This Policy

This Privacy Policy applies to information collected through:

  • the Website;
  • any contact forms, newsletter forms, or comment features on the Website;
  • communications between you and us by email or through our contact page;
  • cookies and similar tracking technologies used on the Website; and
  • third-party advertising and analytics technologies used on or through the Website.

This Privacy Policy does not apply to third-party websites, services, or applications that may be linked from the Website. We are not responsible for the privacy practices of those third parties.

2. Information We Collect

We collect information in several ways, including information you provide directly, information collected automatically, and information obtained from third parties.

2.1 Personal Information You Provide to Us

We may collect personal information that you voluntarily provide when you:

  • subscribe to our newsletter;
  • submit a contact form;
  • leave a comment;
  • request information;
  • communicate with us by email; or
  • otherwise interact with features made available on the Website.

This information may include, depending on the context:

  • full name;
  • email address;
  • mailing address;
  • telephone number;
  • account or profile information;
  • the content of your messages, inquiries, or comments;
  • any other information you choose to provide.

2.2 Information We Collect Automatically

When you visit the Website, we may automatically collect certain information about your device, browser, and browsing activity. This information may include:

  • Internet Protocol (IP) address;
  • browser type and version;
  • operating system and device type;
  • device identifiers;
  • referring URLs;
  • pages viewed and time spent on pages;
  • clickstream data;
  • date and time of visit;
  • language preferences;
  • geographic region derived from IP address;
  • screen resolution;
  • interaction data, such as scroll activity, clicks, and navigation patterns;
  • diagnostic and error logs;
  • cookie identifiers and similar tracking identifiers.

2.3 Log Files

Like many websites, we use log files. Log file records may include:

  • IP address;
  • browser type;
  • Internet service provider;
  • date and time stamp;
  • referring and exit pages;
  • page request data;
  • click data;
  • and other technical details necessary to operate, secure, and analyze the Website.

2.4 Device Information

We may collect information about the device you use to access the Website, including:

  • device model;
  • operating system;
  • browser settings;
  • installed fonts or language settings where permitted by the browser or device;
  • mobile carrier or network information;
  • advertising identifiers where applicable;
  • unique device or browser identifiers.

2.5 Cookies and Similar Technologies

We may collect information using cookies, web beacons, pixel tags, tags, scripts, local storage, and other similar technologies. These technologies help us operate the Website, remember preferences, analyze usage, and deliver relevant advertising.

2.6 Information from Third Parties

We may receive information about you from third-party service providers, such as:

  • analytics providers;
  • advertising networks;
  • social media platforms, where applicable;
  • email or newsletter service providers;
  • embedded content providers;
  • anti-fraud or security providers.

Such information may include aggregated reporting, demographic insights, ad interaction data, or other information permitted by the applicable third party’s terms and privacy practices.

2.7 Non-Personal and Aggregated Information

We may also collect, create, or use non-personal information, including:

  • aggregated usage statistics;
  • anonymized or de-identified data;
  • performance metrics;
  • website traffic trends;
  • technical diagnostics;
  • general audience and content performance insights.

Where information is combined with personal information so that it can identify you, we treat the combined data as personal information.

3. How We Use Your Information

We may use the information we collect for the following purposes:

  • to operate, maintain, and improve the Website;
  • to provide, personalize, and optimize content and features;
  • to analyze user behavior and website performance;
  • to respond to your inquiries and provide customer support;
  • to send newsletters, alerts, updates, or other communications you request;
  • to display and measure advertising;
  • to detect, prevent, and investigate fraud, abuse, security incidents, and unlawful activity;
  • to monitor compliance with legal obligations and our internal policies;
  • to enforce our terms and protect our rights, property, and safety;
  • to produce aggregated, statistical, and de-identified analytics;
  • to administer comments, forms, and other interactive Website features.

Where required by law, we will rely on a valid legal basis before processing personal data, including consent, contractual necessity, legitimate interests, compliance with legal obligations, or other lawful bases recognized under applicable law.

4. Google AdSense, Google Advertising, and Interest-Based Ads

We use or may use Google and related Google advertising services, including Google AdSense, to display advertisements on the Website.

4.1 Third-Party Vendor Disclosure

Google is a third-party vendor and ad network that may use cookies and similar technologies to serve ads on our Website based on a user’s prior visits to this Website and/or other websites on the Internet.

4.2 Interest-Based Advertising and the DoubleClick DART Cookie

Google and its partners may use advertising cookies, including the DoubleClick DART cookie and other Google advertising technologies, to deliver ads based on your interests, to measure ad performance, and to avoid showing you the same advertisements repeatedly.

These technologies may use information about your visits to this Website and other sites, your interaction with ads, and your browser or device identifiers to provide interest-based advertising.

4.3 Google Ads Settings and Opt-Out Options

You may opt out of personalized advertising served by Google by visiting Google’s Ads Settings page. You may also opt out of some third-party vendors’ uses of cookies for personalized advertising by visiting the Network Advertising Initiative (NAI) and/or About Ads opt-out tools, where available.

You may also manage your advertising preferences through your browser settings, device settings, or ad-preference tools offered by your device or platform.

4.4 Google Analytics and Advertising Features

We may use Google Analytics and related Google technologies to understand website traffic, user behavior, and content performance. Depending on how our services are configured, Google Analytics may collect information such as IP addresses, cookie identifiers, device information, and usage data.

Google may also use information collected from our Website, together with information from other sites and apps that use Google services, in accordance with its own policies and settings.

4.5 Advertising Disclosure

Where required by law, we will disclose the use of third-party advertising partners, the categories of information collected for advertising purposes, and the options available to users to limit or opt out of personalized advertising.

5. Cookie Policy

Cookies are small text files stored on your device by your browser when you visit a website. Cookies allow websites to recognize your browser, remember preferences, and enable certain functions.

We use cookies and similar technologies for the following purposes:

5.1 Essential Cookies

Essential cookies are strictly necessary for the operation of the Website and cannot usually be disabled in our systems. They are used to:

  • enable page navigation;
  • keep forms functioning properly;
  • maintain security and prevent abuse;
  • remember session state;
  • support basic website functionality;
  • facilitate load balancing and service reliability.

Without essential cookies, certain parts of the Website may not function correctly.

5.2 Analytical Cookies

Analytical cookies help us understand how visitors interact with the Website. They are used to:

  • count visits and traffic sources;
  • identify popular pages and content;
  • understand user navigation paths;
  • measure engagement and time spent on pages;
  • identify performance issues;
  • improve layout, content, and functionality.

Analytical cookies may be set by us or by third-party analytics providers such as Google Analytics.

5.3 Marketing Cookies

Marketing cookies are used to deliver advertisements that may be more relevant to your interests. They may also be used to:

  • measure the effectiveness of advertising campaigns;
  • limit ad frequency;
  • track ad impressions and clicks;
  • build interest profiles for advertising;
  • remarket content or products to previous visitors;
  • assist third-party advertising networks in showing ads across different websites.

Marketing cookies may be placed by Google and other advertising partners.

5.4 Functional Cookies

In some cases, we may use functional cookies to remember your preferences and improve your experience. These may remember:

  • language selections;
  • region preferences;
  • display settings;
  • newsletter or form preferences;
  • consent choices.

5.5 Session Cookies and Persistent Cookies

Cookies may be either:

  • Session cookies, which are deleted when you close your browser; or
  • Persistent cookies, which remain on your device for a defined period or until deleted manually.

5.6 Technical Purpose of Cookies

Cookies and similar technologies may be used to:

  • authenticate users and maintain sessions;
  • store consent settings;
  • detect repeated visits;
  • protect against spam, fraud, and abuse;
  • measure content and ad performance;
  • support embedded media and interactive tools;
  • maintain website stability and security.

5.7 Managing Cookies

You may control cookies through your browser settings. Most browsers allow you to:

  • block cookies;
  • delete existing cookies;
  • receive a warning before a cookie is stored;
  • set preferences for certain websites.

If you disable or refuse cookies, some features of the Website may not work properly.

5.8 Consent and Cookie Banners

Where required by applicable law, we may present a cookie banner or consent mechanism to obtain or record your preferences regarding non-essential cookies. You may change your preferences at any time using the available cookie settings tool, if provided.

6. Third-Party Disclosure and Service Providers

We may share information with third parties in the following circumstances:

6.1 Service Providers

We may share information with vendors and service providers that perform services on our behalf, such as:

  • website hosting providers;
  • analytics providers;
  • email delivery providers;
  • fraud prevention and security providers;
  • customer support tools;
  • advertising and ad measurement services;
  • content delivery and performance optimization providers.

These service providers are permitted to use personal information only as necessary to provide services to us and are expected to protect the information they receive.

6.2 Advertising Partners

We may share device identifiers, cookie data, browsing activity, and related information with advertising partners, including Google, for the purpose of ad delivery, ad measurement, analytics, and fraud prevention.

6.3 Analytics Providers

We may use third-party analytics tools, including Google Analytics, to help us understand how the Website is used. Analytics providers may collect information such as pages visited, time on page, device and browser characteristics, referral information, and interaction metrics.

6.4 Legal and Protective Disclosures

We may disclose information where we believe in good faith that disclosure is necessary to:

  • comply with law, regulation, legal process, or governmental request;
  • enforce our policies, terms, and agreements;
  • detect, prevent, or address fraud, security, or technical issues;
  • protect the rights, property, or safety of O2 Wellness Lab, our users, or others.

6.5 Business Transfers

If we are involved in a merger, acquisition, financing, reorganization, bankruptcy, sale of assets, or similar corporate transaction, information we hold may be transferred as part of that transaction, subject to applicable law.

6.6 Third-Party Content and Embedded Features

The Website may include embedded content, widgets, or links from third parties. These third parties may collect information directly from your browser when you interact with their content or services.

7. Legal Bases for Processing (GDPR)

If you are located in the European Economic Area (EEA), the United Kingdom, or another jurisdiction with similar requirements, we process personal data only where we have a lawful basis to do so. Depending on the activity, our lawful bases may include:

  • Consent: where you have given clear permission for us to process your personal data for a specific purpose;
  • Contract: where processing is necessary to perform a contract with you or take steps at your request before entering into a contract;
  • Legal obligation: where processing is necessary to comply with a legal obligation;
  • Legitimate interests: where processing is necessary for our legitimate interests and those interests are not overridden by your rights and freedoms;
  • Vital interests: where processing is necessary to protect someone’s life or prevent serious harm.

Where processing is based on consent, you may withdraw your consent at any time.

8. Your Rights

Depending on where you live, you may have certain rights regarding your personal information.

8.1 Rights Under GDPR and Similar Laws

If you are located in the EEA, UK, or another jurisdiction with comparable privacy rights, you may have the right to:

  • Access your personal data;
  • Rectify inaccurate or incomplete data;
  • Erase your personal data in certain circumstances (the "right to be forgotten");
  • Restrict processing in certain circumstances;
  • Object to certain processing, including direct marketing;
  • Data portability for information you have provided to us in a structured, commonly used, machine-readable format, where technically feasible;
  • Withdraw consent at any time, where processing is based on consent;
  • Lodge a complaint with your local data protection authority.

8.2 Rights Under CCPA / CPRA (California Residents)

If you are a California resident, you may have the right to:

  • Know the categories and specific pieces of personal information we collected about you;
  • Delete personal information, subject to certain exceptions;
  • Correct inaccurate personal information;
  • Opt out of the sale or sharing of personal information, if applicable;
  • Limit the use and disclosure of sensitive personal information, where applicable;
  • Non-discrimination for exercising your privacy rights.

8.3 Do Not Sell or Share My Personal Information

If our use of advertising technologies, analytics tools, or other data-sharing practices is deemed a sale or sharing of personal information under applicable California law, you may exercise your opt-out rights by contacting us using the details in the Contact Us section below and/or by using any available website privacy controls, cookie preferences, or platform tools we provide.

8.4 How to Exercise Your Rights

To exercise your rights, please contact us at:

We may need to verify your identity before responding to your request. If we cannot verify your identity, we may be unable to fulfill your request in whole or in part.

We will respond within the time period required by applicable law.

9. Children’s Privacy (COPPA)

We are committed to protecting the privacy of children. The Website is not intended for children under the age of 13, and we do not knowingly collect personal information from children under 13 without verifiable parental consent, where such consent is required by law.

If we learn that we have collected personal information from a child under 13 without appropriate authorization, we will take reasonable steps to delete that information promptly.

If you believe a child under 13 may have provided personal information to us, please contact us immediately using the details below.

Parents or guardians who believe we may have collected information from a child may request review, deletion, or correction of such information, to the extent required or permitted by applicable law.

10. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, alteration, disclosure, or destruction. These measures may include:

  • access controls and role-based permissions;
  • secure hosting environments;
  • encryption in transit where feasible;
  • malware and intrusion monitoring;
  • regular updates and security patches;
  • backup and recovery procedures;
  • limited access to personal information on a need-to-know basis;
  • internal confidentiality obligations for personnel and contractors.

However, no method of transmission over the Internet or method of electronic storage is entirely secure. While we strive to protect your personal information, we cannot guarantee absolute security.

11. Data Retention

We retain personal information only for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law.

In determining the appropriate retention period, we may consider:

  • the nature and sensitivity of the information;
  • the purposes for which the information was collected;
  • whether the information is needed to provide services, maintain records, or resolve disputes;
  • whether retention is required by legal, accounting, regulatory, tax, or reporting obligations;
  • whether retention is necessary to detect, prevent, or investigate fraud, abuse, or security incidents;
  • whether the user has requested deletion, subject to legal exceptions.

When personal information is no longer needed, we will delete, anonymize, or securely archive it, depending on applicable law and operational needs.

Where analytics data is retained by Google or similar providers, retention may be governed by those providers’ settings and policies.

12. International Transfers

Your information may be transferred to, stored in, and processed in countries other than the one in which you reside. These countries may have data protection laws that differ from those in your jurisdiction.

Where required, we will take appropriate steps to ensure that international transfers are subject to adequate safeguards, which may include contractual protections, approved transfer mechanisms, or other measures permitted by law.

13. Your Choices and Controls

You may be able to control or limit the collection and use of certain data through the following methods:

  • browser settings for cookies;
  • device settings for advertising identifiers;
  • Google Ads Settings;
  • third-party opt-out tools such as About Ads or NAI tools, where available;
  • unsubscribe links in emails or newsletters;
  • contact with us to request deletion or update preferences;
  • platform-level controls for mobile or connected devices.

Please note that opting out of personalized advertising does not mean you will stop seeing ads entirely. You may continue to see non-personalized or contextual advertisements.

14. Third-Party Links

The Website may contain links to third-party websites or services. We are not responsible for the privacy practices, content, or security of those third-party services. We encourage you to review the privacy policies of any third-party website you visit.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or operational needs.

When we make changes, we will revise the Effective Date at the top of this page. Your continued use of the Website after the updated Privacy Policy becomes effective means you acknowledge the updated terms, to the extent permitted by law.

16. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at:

We will review and respond to your inquiry in accordance with applicable law.

17. Additional Notice for Google Advertising

To the extent Google advertising is used on this Website, users are informed that:

  • Google, as a third-party vendor, uses cookies to serve ads based on prior visits to this Website and/or other websites;
  • Google’s advertising cookies enable Google and its partners to serve ads based on a user’s visit to this Website and/or other sites on the Internet;
  • users may opt out of personalized advertising by visiting Google’s Ads Settings page;
  • users may also visit third-party opt-out tools, where available, such as About Ads.

18. Accessibility and Plain-Language Notice

If any part of this Privacy Policy is difficult to understand, or if you need this Policy in an alternative format, you may contact us using the details above and we will make reasonable efforts to help.

19. Acceptance of This Policy

By using the Website, you consent to the collection and use of information as described in this Privacy Policy, to the extent permitted by applicable law. Where consent is required by law for particular types of processing, we will request or obtain that consent separately.