Privacy Policy

Personal Information

When you interact with carmeluvisto's financial education platform, we collect information that you provide directly to us. This includes your name, email address, phone number, and postal address when you register for our learning programs or contact us for support.

We also collect information about your educational preferences, learning goals, and professional background to better tailor our financial literacy content to your needs. This helps us provide more relevant educational materials and course recommendations.

Technical Information

Our systems automatically collect certain technical information when you visit our website. This includes your IP address, browser type, operating system, referring websites, pages viewed, and the dates and times of your visits.

We use cookies and similar tracking technologies to enhance your learning experience and understand how you interact with our educational content. These technologies help us remember your preferences and track your progress through our financial education modules.

Learning Progress Data

As you engage with our financial education programs, we track your learning progress, quiz scores, module completion rates, and areas of interest. This data helps us improve our educational content and provide personalized learning recommendations.

Educational Services

We use your information primarily to provide and improve our financial education services. This includes delivering course content, tracking your learning progress, and providing personalized educational recommendations based on your interests and goals.

Your learning data helps us understand which educational approaches work best for different types of learners, allowing us to continuously improve our curriculum and teaching methods.

Communication

We use your contact information to send you important updates about our services, new educational content, and changes to our policies. We may also send you educational newsletters and learning tips if you've opted in to receive them.

• Course completion notifications and certificates
• New educational content announcements
• Important policy updates and service changes
• Educational newsletters and financial literacy tips

Platform Improvement

We analyze usage patterns and learning outcomes to improve our platform's effectiveness. This includes studying which educational modules are most helpful, identifying common learning challenges, and developing better teaching materials.

Third-Party Service Providers

We work with trusted third-party service providers who help us deliver our educational services. These may include email service providers, analytics platforms, and educational technology partners. All third parties are required to maintain the confidentiality of your information.

We ensure that any third-party partners comply with strict data protection standards and use your information only for the specific purposes we've authorized.

Legal Requirements

We may disclose your information if required by law, regulation, or legal process. This includes responding to court orders, government requests, or protecting the rights and safety of our users and the public.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring organization. We will notify you of any such change and ensure your information remains protected under this privacy policy.

Security Measures

We implement robust security measures to protect your personal information from unauthorized access, use, or disclosure. Our security practices include encryption, secure servers, and regular security audits.

All sensitive data is encrypted both in transit and at rest using industry-standard encryption protocols. We regularly update our security systems to address emerging threats and vulnerabilities.

Access Controls

We limit access to your personal information to employees and contractors who need it to perform their duties. All staff members are trained on data protection principles and are bound by confidentiality agreements.

Access and Correction

You have the right to access, update, or correct your personal information at any time. You can update most of your information through your account settings, or contact us directly for assistance.

We will respond to your requests within 30 days and provide you with a clear explanation of any actions we take regarding your data.

Data Deletion

You may request that we delete your personal information, subject to certain legal and operational requirements. We will honor deletion requests while maintaining any information required for legal compliance or legitimate business purposes.

• Account deletion requests are processed within 30 days
• Some information may be retained for legal compliance
• Anonymized learning data may be retained for educational research

Communication Preferences

You can control the types of communications you receive from us. You may opt out of marketing emails while continuing to receive important service notifications and educational content updates.

Retention Periods

We retain your personal information for as long as necessary to provide our educational services and comply with legal obligations. Account information is typically retained for the duration of your relationship with us plus seven years for business records.

Learning progress data may be retained longer to support ongoing educational research and platform improvement efforts, though this data is anonymized to protect your privacy.

Deletion Schedule

We regularly review and delete information that is no longer needed. Inactive accounts are flagged for review after two years of inactivity, and users are notified before any deletion occurs.

As a UK-based educational platform, we primarily process and store data within the United Kingdom. However, some of our service providers may be located in other countries with adequate data protection standards.

When we transfer data internationally, we ensure appropriate safeguards are in place to protect your information, including standard contractual clauses and adequacy decisions recognized by UK data protection authorities.

Our financial education platform is designed for adults and individuals over 16 years of age. We do not knowingly collect personal information from children under 16 without parental consent.

If we become aware that we have collected information from a child under 16 without proper consent, we will take immediate steps to delete that information and terminate the account.

We may update this privacy policy periodically to reflect changes in our practices, services, or legal requirements. We will notify you of any material changes through email or prominent notices on our website.

We encourage you to review this policy regularly to stay informed about how we protect your information. The "last updated" date at the top of this policy indicates when the most recent changes were made.