Information We Collect

Personal Information You Provide

When you interact with our platform, you might share certain details with us. This happens when you create an account, reach out through our contact form, or participate in our educational programs. Here's what we typically collect:

• Your name and email address when you sign up for updates or courses
• Contact information including phone number and mailing address if you request specific resources
• Professional background details when you enroll in our financial literacy programs
• Payment information when you purchase educational materials (though this is processed securely through third-party payment processors)
• Feedback, questions, and comments you send us through various channels

Information We Collect Automatically

Like most websites, we gather certain information automatically when you visit. This helps us understand how people use our site and where we can improve. We're not trying to spy on you — this is standard stuff that helps us make the experience better:

• Device information including browser type, operating system, and screen resolution
• IP address and general location data (city and state level, not your exact address)
• Pages you visit, how long you spend on them, and which links you click
• Referring websites that brought you to our platform
• Search terms you used to find specific content on our site

How We Use Your Information

We're not in the business of hoarding data for no reason. Everything we collect serves a specific purpose related to providing and improving our financial education services. Here's the breakdown:

Providing Our Services

First and foremost, we use your information to deliver what you came here for. This means creating and maintaining your account, sending you course materials, processing any payments, and responding to your questions. Pretty straightforward stuff that directly relates to why you're here.

Communication and Updates

We'll send you information about program updates, new educational resources, and important changes to our services. You can opt out of promotional emails anytime — we include an unsubscribe link at the bottom of every message. Some emails, like those about account security or major policy changes, aren't optional because they're essential to using our services safely.

Improvement and Research

Your usage patterns help us figure out what's working and what isn't. We analyze how people interact with our content to make better educational materials. This might mean noticing that everyone drops off halfway through a particular lesson, which tells us we need to rework that section.

Your Privacy Rights Under USA Law

As someone using our services in the United States, you have specific rights regarding your personal information. These rights vary somewhat depending on which state you're in, but here are the core protections we extend to all users:

How to Exercise Your Rights

Making a privacy request shouldn't feel like jumping through hoops. Here's the simple process:

How We Protect Your Information

Security isn't just a checkbox for us. We've implemented multiple layers of protection because financial information deserves serious safeguarding:

All data transmitted between your browser and our servers is encrypted using industry-standard protocols. Our servers are housed in secure facilities with restricted physical access. We regularly update our security measures and conduct audits to identify potential vulnerabilities before they become problems.

That said, no system is 100% hack-proof. We do our best, but we also encourage you to use strong, unique passwords and enable two-factor authentication if we offer it. Don't share your login credentials with anyone, and let us know immediately if you suspect unauthorized access to your account.

Data Sharing and Third Parties

We work with a limited number of third-party services to operate our platform effectively. These aren't random companies — they're carefully selected partners who help us deliver our educational services:

Service Providers We Work With

• Payment processors who handle transactions securely (we never see your full credit card numbers)
• Email service providers who help us send course materials and updates
• Analytics tools that show us how people use our site (in aggregate, not individual tracking)
• Cloud hosting services where our platform lives
• Customer support tools that help us respond to your questions efficiently

These partners only get access to the information they need to perform their specific functions. They're contractually bound to protect your data and prohibited from using it for their own purposes. We vet these companies carefully and review their security practices regularly.

Legal Requirements

Sometimes we're legally required to disclose information. This might happen if we receive a valid subpoena, court order, or other legal demand. We'll only share what's legally required and will notify you when possible, unless prohibited by law from doing so.

Cookies and Tracking Technologies

Like pretty much every website out there, we use cookies. These are small text files that help us remember your preferences and understand how you use our site. Here's what we actually do with them:

Essential Cookies

Some cookies are necessary for the site to work properly. These remember your login status, keep your session secure, and ensure the platform functions as expected. You can't opt out of these without breaking basic functionality.

Analytics Cookies

We use cookies to track overall site usage patterns. This tells us things like which pages are most popular, where people are getting stuck, and what content resonates. The data is aggregated — we're not watching individual users click around the site.

Managing Your Cookie Preferences

Most browsers let you control cookies through their settings. You can typically view, delete, or block cookies. Just know that disabling certain cookies might make parts of our site stop working properly. If you're having issues after changing cookie settings, that's probably why.

Data Retention

We don't keep your information forever just because we can. Here's our approach to data retention:

Active account data stays as long as your account is open. If you stop using our services, we'll keep your information for up to three years in case you decide to come back. After that, we delete it unless there's a specific legal reason to keep it longer.

Some information has to stick around for legal compliance. Financial records, for instance, need to be kept for seven years under IRS regulations. Communication logs related to legal matters might be retained longer if required by ongoing litigation or regulatory requirements.

When we delete data, we actually delete it. We don't just hide it or archive it indefinitely. The data gets removed from our active systems and backup archives within 90 days of the deletion date.

Children's Privacy

Our services aren't designed for children under 13, and we don't knowingly collect information from kids. If you're a parent and discover your child has created an account without permission, contact us immediately and we'll delete the account and associated data.

For users between 13 and 18, we recommend getting parental permission before using our services. Financial education can be valuable for teens, but parents should be involved in decisions about sharing personal information online.

Changes to This Policy

Privacy practices evolve, and occasionally we need to update this policy. When we make significant changes, we'll notify you via email and post a notice on our website. The "Last updated" date at the top of this page always reflects the most recent revision.

We won't make changes that reduce your rights without giving you a chance to review and accept the new terms. If you disagree with an updated policy, you can choose to close your account before the changes take effect.