When you visit our website or use our budget foundations platform, we collect several types of information to provide you with better services. This happens through various methods and serves different purposes in helping us understand your needs.

We only collect information that's necessary for providing our services and improving your experience. When possible, we anonymize data to protect your identity while still gaining insights that help us serve you better.

Your information helps us deliver educational content about budget foundations and personal finance management. We use this data responsibly and only for legitimate business purposes that benefit both you and our educational mission.

We process your personal data to provide you with access to our learning materials, send you course updates and educational resources, respond to your questions and support requests, and improve our platform based on user feedback and behavior patterns.

Marketing communications are sent only with your consent, and you can opt out at any time. We might also use aggregated, anonymized data for research purposes to understand trends in financial education needs, but this never includes personally identifiable information.

Legal basis for processing: We process your data based on contract performance (when you sign up for our services), legitimate interests (improving our platform), legal obligations (such as keeping records), and your consent (for marketing communications).

We don't sell your personal information to anyone. However, we do work with trusted service providers who help us operate our platform and deliver our educational services. These partnerships are essential for providing you with a reliable and secure experience.

Our service providers include email delivery services for sending you course materials and updates, analytics platforms to understand how our website is used (with anonymized data), payment processors for handling transactions securely, and cloud hosting services to store data safely.

All third-party providers are carefully vetted and must meet strict data protection standards. They're only allowed to use your information for the specific services they provide to us, and they cannot use it for their own purposes.

We may also share information when required by law, such as responding to valid legal requests from authorities, protecting our rights and property, or ensuring the safety of our users and the public.

Under UK data protection laws, you have several important rights regarding your personal information. These rights give you control over how your data is used and stored.

To exercise any of these rights, contact us using the information provided at the bottom of this policy. We'll respond to your request within one month and may ask for identification to verify your identity before processing your request.

Protecting your personal information is one of our top priorities. We use a combination of technical, administrative, and physical safeguards to keep your data secure from unauthorized access, alteration, disclosure, or destruction.

Our security measures include encrypted data transmission using SSL certificates, secure servers with regular security updates and monitoring, restricted access to personal data on a need-to-know basis, regular security audits and vulnerability assessments, and backup systems to prevent data loss.

While we take extensive precautions, no method of transmission over the internet is 100% secure. We continuously monitor and update our security practices to stay ahead of emerging threats and maintain the highest standards of data protection.

If we ever experience a data breach that could affect your personal information, we'll notify you and relevant authorities as required by law, typically within 72 hours of discovering the incident.

We keep your personal information only as long as necessary to fulfill the purposes for which it was collected or as required by law. Different types of data have different retention periods based on their purpose and legal requirements.

When data reaches the end of its retention period, we securely delete or anonymize it. You can request earlier deletion of your information by contacting us, though we may need to retain certain records to comply with legal obligations.

Our website uses cookies and similar technologies to enhance your browsing experience and help us understand how our platform is used. Cookies are small text files stored on your device that remember your preferences and improve site functionality.

We use essential cookies that are necessary for our website to function properly, analytics cookies to understand user behavior and improve our services (with anonymized data), and preference cookies to remember your settings and choices for future visits.

You can control cookie settings through your browser preferences, though disabling certain cookies may affect website functionality. We don't use cookies for targeted advertising, and any analytics data is anonymized to protect your privacy.

Our cookie policy is updated regularly to reflect changes in technology and regulations. By continuing to use our website, you consent to our use of cookies as described in this policy.

We may update this privacy policy from time to time to reflect changes in our practices, services, or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our website.

Minor updates, such as clarifications or contact information changes, may be made without notification, but we'll always update the effective date at the bottom of this policy. We encourage you to review this policy periodically to stay informed about how we protect your information.

If you have questions about any changes or would like clarification about any part of this policy, please don't hesitate to contact us. Your continued use of our services after policy changes indicates your acceptance of the updated terms.