Privacy Policy

Financial Courses Hub ("we," "our," or "us") is committed to protecting your privacy and the security of your personal information. This Privacy Policy describes how we collect, use, share, and protect personal information when you visit our website at financialcourseshub.com (the "Site") or use our financial education services (collectively, the "Services").

Please read this Privacy Policy carefully to understand our practices regarding your personal information and how we will treat it. By accessing or using our Services, you acknowledge that you have read and understand this Privacy Policy.

1. Information We Collect

We collect several types of information from and about users of our Services, including:

1.1. Personal Information You Provide to Us

• Contact Information: When you register for an account, subscribe to our newsletter, or contact us, we collect information such as your name, email address, phone number, and mailing address.
• Account Information: If you create an account, we collect login credentials, including your username and password.
• Payment Information: When you make a purchase, we collect payment details, including credit card information or other payment method details. Please note that payment processing is handled by our third-party payment processors, and we do not store complete credit card information on our servers.
• Communications: We collect information you provide when you contact our customer support team or communicate with us through email, contact forms, or other channels.
• Course Information: When you enroll in our courses, we collect information about your learning preferences, progress, and performance.

1.2. Information We Collect Automatically

• Device and Usage Information: We automatically collect information about your device and how you interact with our Services, including your IP address, browser type, operating system, referring URLs, access times, pages viewed, links clicked, and other browsing information.
• Cookies and Similar Technologies: We use cookies, web beacons, and similar technologies to collect information about your browsing behavior and preferences. For more information about our use of these technologies, please see our Cookie Policy section below.
• Location Information: We may collect information about your general location based on your IP address.

1.3. Information from Third Parties

We may receive information about you from third parties, including:

• Business partners, such as payment processors and authentication services.
• Social media platforms, if you choose to link your account to our Services or interact with us on social media.
• Public sources, such as publicly available profiles or databases.

2. How We Use Your Information

We use the information we collect for various purposes, including to:

• Provide, maintain, and improve our Services.
• Process transactions and send related information, including confirmations, receipts, and customer experience surveys.
• Create and manage your account, including verifying your identity.
• Send administrative information, such as updates to our terms, conditions, and policies.
• Communicate with you about our Services, including responding to your inquiries and providing customer support.
• Send you marketing communications, such as newsletters, promotional offers, and information about new courses or features.
• Personalize your experience and deliver content tailored to your interests.
• Monitor and analyze usage patterns and trends to improve our Services.
• Detect, investigate, and prevent fraudulent transactions and other illegal activities.
• Protect our rights, property, or safety, and that of our users or others.
• Comply with applicable laws, regulations, or legal processes.

3. How We Share Your Information

We may share your personal information with the following categories of recipients:

• Service Providers: We share information with third-party service providers that perform services on our behalf, such as payment processing, data analysis, email delivery, hosting, customer service, and marketing assistance.
• Educational Partners: We may share information with educational institutions, instructors, or other partners to facilitate the delivery of our courses.
• Affiliates: We may share information with our affiliates and subsidiaries for business purposes.
• Business Transfers: If we are involved in a merger, acquisition, financing, or sale of business assets, your information may be transferred as part of that transaction.
• Legal Requirements: We may disclose your information if required to do so by law or in response to valid requests from public authorities.
• With Your Consent: We may share your information with third parties when you have provided your consent to do so.

We do not sell your personal information to third parties.

4. Cookie Policy

Our Services use cookies and similar tracking technologies to collect information about your browsing activities and preferences. Cookies are small text files that are stored on your device when you visit a website. They help us recognize your browser and capture certain information.

4.1. Types of Cookies We Use

• Essential Cookies: These cookies are necessary for the operation of our Services and enable you to navigate our Site and use its features.
• Analytical/Performance Cookies: These cookies allow us to recognize and count the number of visitors and see how visitors move around our Site. This helps us improve the way our Site works, for example, by ensuring that users are finding what they are looking for easily.
• Functionality Cookies: These cookies are used to recognize you when you return to our Site. This enables us to personalize our content for you and remember your preferences.
• Targeting/Advertising Cookies: These cookies record your visit to our Site, the pages you have visited, and the links you have followed. We use this information to make our Site and the advertising displayed on it more relevant to your interests.

4.2. Your Cookie Choices

Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove or reject cookies. Please note that if you choose to remove or reject cookies, this could affect the availability and functionality of our Services.

We also use Google Analytics and similar services to help analyze how users use our Site. These services use cookies to collect information about your use of our Site. For more information on how Google uses this data, please visit https://policies.google.com/technologies/partner-sites.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which we collected it, including for the purposes of satisfying any legal, accounting, or reporting requirements. To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure, the purposes for which we process the data, whether we can achieve those purposes through other means, and applicable legal requirements.

When we no longer need your personal information, we will securely delete or destroy it. In some circumstances, we may anonymize your personal information so that it can no longer be associated with you, in which case we may use such information without further notice to you.

6. Data Security

We implement appropriate technical and organizational measures to protect the personal information we collect and process. The measures we use are designed to provide a level of security appropriate to the risk of processing your personal information. However, please note that no transmission over the Internet or method of electronic storage is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

7. International Data Transfers

We may transfer your personal information to countries other than the country in which you are located. These countries may have data protection laws that are different from the laws of your country. However, we have taken appropriate safeguards to require that your personal information will remain protected in accordance with this Privacy Policy.

8. Children's Privacy

Our Services are not directed to children under the age of 16, and we do not knowingly collect personal information from children under 16. If we learn that we have collected personal information from a child under 16, we will take steps to delete such information as soon as possible. If you believe we might have any information from or about a child under 16, please contact us at info@financialcourseshub.com.

9. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information, which may include:

• The right to access, update, or delete your personal information.
• The right to rectification - to have your information altered if it is inaccurate or incomplete.
• The right to object to or restrict our processing of your personal information.
• The right to data portability - to receive your personal information in a structured, commonly used, and machine-readable format.
• The right to withdraw consent at any time where we relied on your consent to process your personal information.

If you wish to exercise any of these rights, please contact us at info@financialcourseshub.com. Please note that we may need to verify your identity before responding to your request.

9.1. Marketing Communications

You can opt out of receiving marketing communications from us by clicking the "unsubscribe" link in the emails we send, or by contacting us as described in the "Contact Us" section below. Even if you opt out of receiving marketing communications, we may still send you non-marketing communications, such as those about your account or our ongoing business relations.

10. Third-Party Links and Services

Our Services may contain links to third-party websites, services, or applications that are not operated by us. When you click on a link to any other website or location, you will leave our Services and go to another site, and another entity may collect personal information from you. We have no control over, and are not responsible for, these third-party websites, services, or applications or their privacy practices. This Privacy Policy does not apply to any third-party websites, services, or applications, even if they are accessible through our Services.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time in response to changing legal, technical, or business developments. When we update our Privacy Policy, we will take appropriate measures to inform you, consistent with the significance of the changes we make. We will obtain your consent to any material changes to this Privacy Policy if and where required by applicable data protection laws.

You can see when this Privacy Policy was last updated by checking the "Last Updated" date at the top of this page. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

12. Contact Us

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

Financial Courses Hub
286 Edwardo Islands Suite 645
East Wendyhaven, NU G4Y 3T2
Phone: +18385892099
Email: info@financialcourseshub.com

We will respond to your request as soon as reasonably possible, typically within 30 days.