Privacy Policy

Effective date: January 1, 2025

1. Introduction

The Financial Learning Community ("FLC," "we," "our," or "us") is committed to protecting your privacy and the security of your personal information. This Privacy Policy explains how we collect, use, disclose and protect your information when you visit our website and use our educational services.

By accessing or using our services, you acknowledge that you have read, understood and agree to be subject to this Privacy Policy.

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

• Contact information (name, email address, phone number, postal address)
• Educational information related to your learning interests
• Communication and correspondence records
• Identity verification information
• Professional and business information
• Learning preferences and educational progress

2.2 Technical Information

We automatically collect certain technical information when you visit our website:

• IP address and location data
• Browser type and version
• Device and operating system information
• Pages visited and time spent on our website
• Referrer website addresses
• Cookies and similar tracking technologies

3. How We Use Your Information

We use your information for the following purposes:

• Provide educational and financial learning services
• Communicate with you about our services and educational content
• Personalize your learning experience
• Coordinate with educators and financial professionals
• Improve our website and educational services
• Comply with legal obligations and regulatory requirements
• Protect against fraudulent activities and ensure security
• Market our educational services (with your consent when required)

4. Sharing and Disclosure of Information

4.1 Authorized Disclosures

We may share your information with:

• Licensed financial educators working on your learning process
• Educational institutions and content providers
• Regulatory authorities and legal compliance when required by law
• Third-party service providers that assist in our operations
• Professional partners in our international educational network

4.2 Legal Requirements

We may disclose your information when required by law, court order or government request, or when we believe disclosure is necessary to:

• Comply with legal obligations
• Protect our rights and property
• Ensure the safety of our users and the public
• Investigate possible violations of our terms

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure or destruction. These measures include:

• Encryption of sensitive data in transit and at rest
• Secure servers and databases with access controls
• Regular security assessments and updates
• Staff training on data protection and privacy
• Incident response procedures

However, no method of Internet transmission or electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small files stored on your device that help us:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Improve the functionality of our website
• Provide personalized content and services

You can control cookie settings through your browser preferences, but disabling cookies may affect website functionality.

7. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services and maintain our relationship with you
• Comply with legal and regulatory requirements
• Resolve disputes and enforce our agreements
• Protect our legitimate business interests

When personal information is no longer necessary, we securely delete or anonymize it in accordance with our data retention policies.

8. Your Privacy Rights

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

• Access: Request information about the personal data we have about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information
• Portability: Request transfer of your data to another service provider
• Objection: Object to certain processing of your personal information
• Restriction: Request limitation of processing in certain circumstances
• Withdrawal of Consent: Withdraw consent for processing when applicable

9. International Data Transfers

Given the international nature of our educational services, your personal information may be transferred and processed in countries other than your country of residence. We ensure that such transfers are made in accordance with applicable data protection laws and that appropriate safeguards are implemented to protect your information.

10. Third-Party Links and Services

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices of these external sites. We recommend reviewing the privacy policies of any third-party services you access through our website.

11. Children's Privacy

Our services are not intended for persons under 18 years of age. We do not knowingly collect personal information from persons under 18 years of age. If we become aware that we have collected information from a person under 18 years of age, we will take steps to delete such information in a timely manner.

12. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements or other factors. We will notify you of any material changes by:

• Publishing the updated policy on our website
• Updating the "Effective date" at the top of this policy
• Providing additional notice for significant changes

Your continued use of our services after any changes indicates your acceptance of the updated Privacy Policy.

13. Compliance and Regulatory Framework

Our privacy practices are designed to comply with applicable data protection laws and regulations, including but not limited to:

• General Data Protection Regulation (GDPR)
• California Consumer Privacy Act (CCPA)
• Financial privacy regulations
• Educational confidentiality requirements

14. Legal Basis for Data Processing

We process your personal information based on the following legal grounds:

• Contractual necessity to provide our educational services
• Legitimate interests in operating our educational business
• Legal compliance with regulatory requirements
• Your explicit consent when applicable
• Protection of vital interests in certain circumstances

15. Educational Confidentiality

As a provider of financial educational services, we are subject to educational confidentiality obligations. We maintain strict confidentiality regarding student information and educational progress details, sharing information only as necessary to provide our services or as required by law.

This Privacy Policy constitutes our commitment to protecting your privacy and personal information. We recommend that you contact us if you have any questions or concerns about our privacy practices.

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