Privacy Policy

Effective Date: January 1, 2025

Last Updated: January 1, 2025

FinConsult Academy ("we," "us," "our," or "the Company") operates the website https://financonsultacademy.com (the "Site"). This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our Site or use our services.

We are committed to protecting your privacy and ensuring transparency in our data practices. Please read this Privacy Policy carefully. By accessing or using our Site, you acknowledge that you have read, understood, and agree to be bound by the terms of this Privacy Policy.

1. Information We Collect

1.1 Personal Information You Provide

We collect personal information that you voluntarily provide to us when you:

• Register for courses or educational programs
• Complete contact forms or inquiry submissions
• Subscribe to newsletters or marketing communications
• Create an account on our platform
• Communicate with us via email, phone, or other channels
• Participate in surveys, webinars, or events

This information may include:

• Full name
• Email address
• Phone number
• Mailing address
• Professional credentials and qualifications
• Employment information
• Educational background
• Payment information (processed securely through third-party providers)

1.2 Automatically Collected Information

When you visit our Site, we automatically collect certain information about your device and browsing behavior, including:

• IP address and approximate geographic location
• Browser type and version
• Operating system
• Referring website addresses
• Pages viewed and time spent on pages
• Links clicked and navigation patterns
• Device identifiers and characteristics

1.3 Cookies and Tracking Technologies

We use cookies, web beacons, pixels, and similar tracking technologies to enhance your experience, analyze site usage, and deliver personalized content. These technologies may include:

• Essential Cookies: Required for basic site functionality and security
• Analytics Cookies: Help us understand how visitors interact with our Site (Google Analytics)
• Marketing Cookies: Enable personalized advertising and track campaign effectiveness (Facebook Pixel)
• Preference Cookies: Remember your settings and preferences

You can manage cookie preferences through your browser settings or our cookie consent banner. Note that disabling certain cookies may limit site functionality.

2. How We Use Your Information

We use collected information for the following purposes:

• Service Delivery: Provide educational courses, training programs, and consulting services
• Account Management: Create and maintain user accounts, process registrations and enrollments
• Communication: Send course materials, updates, administrative notices, and respond to inquiries
• Payment Processing: Process transactions and manage billing (through secure third-party processors)
• Marketing: Send promotional materials, newsletters, and information about new courses (with your consent)
• Analytics: Analyze site usage patterns, improve content, and enhance user experience
• Security: Protect against fraud, unauthorized access, and security threats
• Legal Compliance: Fulfill regulatory obligations and respond to legal requests
• Business Operations: Conduct research, quality assurance, and business development

3. Legal Basis for Processing (GDPR)

For users in the European Economic Area (EEA) and United Kingdom, we process personal data based on the following legal grounds:

• Consent: When you explicitly agree to processing (e.g., marketing communications)
• Contractual Necessity: To fulfill our obligations in providing services you've requested
• Legitimate Interests: For business operations, security, and improvement of services
• Legal Obligations: To comply with applicable laws and regulations

4. How We Share Your Information

We do not sell your personal information. We may share your information with:

4.1 Service Providers

Third-party vendors who perform services on our behalf, including:

• Payment processors (credit card processing, billing)
• Email service providers (newsletter delivery, communications)
• Cloud hosting and storage services
• Analytics providers (Google Analytics)
• Customer relationship management (CRM) platforms
• Marketing and advertising partners (Facebook, Google Ads)

These providers are contractually obligated to protect your information and use it only for specified purposes.

4.2 Business Transfers

In connection with mergers, acquisitions, reorganizations, or sale of assets, your information may be transferred as part of the transaction, subject to confidentiality obligations.

4.3 Legal Requirements

We may disclose information when required by law, legal process, government requests, or to:

• Comply with regulatory obligations
• Protect our rights, property, or safety
• Prevent fraud or security threats
• Respond to court orders or legal proceedings

4.4 Professional Advisors

We may share information with lawyers, accountants, auditors, and consultants who assist with business operations under confidentiality agreements.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

• Encryption of data in transit and at rest (SSL/TLS protocols)
• Secure server infrastructure with firewalls and intrusion detection
• Access controls and authentication requirements
• Regular security assessments and vulnerability testing
• Employee training on data protection practices
• Incident response procedures

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Data Retention

We retain personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law. Specific retention periods include:

• Account Information: Retained for the duration of your account plus 7 years for regulatory compliance
• Transaction Records: Maintained for 7 years as required by UK financial regulations
• Marketing Communications: Until you unsubscribe or request deletion
• Analytics Data: Typically retained for 26 months in aggregated form

When information is no longer needed, we securely delete or anonymize it.

7. Your Rights and Choices

Depending on your jurisdiction, you may have the following rights:

7.1 Access and Portability

Request access to personal information we hold about you and receive a copy in portable format.

7.2 Correction

Request correction of inaccurate or incomplete personal information.

7.3 Deletion

Request deletion of your personal information, subject to legal retention requirements.

7.4 Restriction

Request limitation on how we process your personal information.

7.5 Objection

Object to processing based on legitimate interests or for marketing purposes.

7.6 Withdraw Consent

Withdraw consent for processing activities that require explicit consent.

7.7 Opt-Out of Marketing

Unsubscribe from promotional emails via the link in each message or by contacting us directly.

To exercise these rights, contact us using the information below. We will respond within 30 days (or as required by applicable law).

8. International Data Transfers

Our operations are based in the United Kingdom. If you access our Site from outside the UK/EEA, your information may be transferred to, stored, and processed in the UK or other countries where our service providers operate.

We ensure appropriate safeguards are in place for international transfers, including:

• Standard Contractual Clauses approved by the European Commission
• Adequacy decisions recognizing equivalent data protection standards
• Binding Corporate Rules for intra-group transfers

9. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately, and we will delete such information.

10. Third-Party Links

Our Site may contain links to external websites not operated by us. We are not responsible for the privacy practices of third-party sites. We encourage you to review their privacy policies before providing personal information.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. We will notify you of material changes by:

• Posting the updated policy on this page with a new effective date
• Sending email notifications to registered users
• Displaying prominent notices on our Site

Your continued use of our services after changes become effective constitutes acceptance of the updated Privacy Policy.

12. Contact Information

13. Supervisory Authority

If you are located in the UK/EEA and have concerns about our data practices, you have the right to lodge a complaint with your local data protection authority:

UK Information Commissioner's Office (ICO)
Website: https://ico.org.uk
Phone: 0303 123 1113

14. Additional Information for California Residents

Under the California Consumer Privacy Act (CCPA), California residents have additional rights:

• Right to know what personal information is collected, used, and shared
• Right to delete personal information held by businesses
• Right to opt-out of the sale of personal information (we do not sell personal information)
• Right to non-discrimination for exercising privacy rights

To exercise these rights, contact us using the information provided above.

This Privacy Policy is part of our Terms & Conditions and should be read in conjunction with those terms.