1 Information We Collect

We collect information to provide better educational services and working capital analysis tools. The data we gather falls into several categories, and we want to be transparent about what we collect and why.

Personal Information You Provide

When you register for our learning programs or contact us, you might share:

• Full name and contact details (email, phone number)
• Business information if you're using our working capital tools
• Payment information for course enrollment
• Educational background and professional experience
• Communication preferences and feedback

Automatically Collected Data

Our platform collects technical information to improve user experience:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on our platform
• Referral sources and navigation patterns
• Cookie data for session management

2 How We Use Your Information

Your data helps us deliver meaningful educational experiences and financial analysis tools. We use this information in several ways that directly support your learning journey and business needs.

3 Data Storage and Security

Protecting your information is something we think about constantly. We've implemented multiple layers of security to keep your data safe, though no system can be 100% bulletproof (and anyone who claims otherwise isn't being honest).

Security Measures

• Industry-standard encryption for data transmission (TLS 1.3)
• Secure servers hosted in certified data centers
• Regular security audits and vulnerability assessments
• Access controls limiting who can view your information
• Encrypted backup systems for data recovery

Data Retention

We keep your information for as long as you're actively using our services. After account closure, we maintain certain records for:

• Financial records: 7 years (Taiwan tax law requirement)
• Course completion certificates: 10 years
• Communication logs: 3 years
• Marketing preferences: Until you opt out

You can request earlier deletion of your data, though we might need to keep some information for legal or legitimate business purposes.

4 Your Rights Under Taiwan Law

Taiwan's Personal Data Protection Act gives you specific rights over your information. We respect these rights and make it straightforward to exercise them.

What You Can Do

• Access: Request a copy of all personal data we hold about you
• Correction: Update or fix inaccurate information in your profile
• Deletion: Ask us to remove your data from our systems
• Data Portability: Receive your data in a structured, commonly used format
• Opt-Out: Stop receiving marketing communications at any time
• Restrict Processing: Limit how we use your information in certain situations

How to Exercise Your Rights

Send your request to [email protected] with "Privacy Request" in the subject line. We'll respond within 15 days, as required by Taiwan law. You'll need to verify your identity before we can process most requests.

5 Sharing and Third Parties

We work with carefully selected partners to deliver our services. Here's who might see your data and why.

Service Providers

We share limited information with:

• Payment processors for course enrollment transactions
• Email service providers for course communications
• Cloud hosting providers for platform infrastructure
• Analytics tools to understand platform usage
• Customer support software for inquiry management

These companies are contractually bound to protect your data and can only use it for the specific services they provide to us.

Legal Disclosures

We might share your information if required by Taiwan law, court order, or government request. We'll notify you about such requests unless legally prohibited from doing so.

6 International Data Transfers

While our primary operations are in Taiwan, some of our service providers operate servers in other countries. When we transfer data internationally, we ensure appropriate safeguards are in place.

• Standard contractual clauses approved by Taiwan authorities
• Adequate protection mechanisms for cross-border transfers
• Compliance with both Taiwan and destination country regulations
• Regular audits of international partners' security practices

Most of our infrastructure remains within Taiwan or countries with similar data protection standards.

7 Cookies and Tracking

Our website uses cookies to improve your experience. You can control cookie settings through your browser, though some features might not work properly if you disable them entirely.

Types of Cookies We Use

• Essential: Required for basic platform functionality and security
• Functional: Remember your preferences and settings
• Analytics: Help us understand how people use our platform
• Marketing: Track campaign effectiveness (you can opt out)

When you first visit our site, you'll see a banner letting you choose which cookies to accept. You can change these preferences anytime through the cookie settings link in our footer.

8 Children's Privacy

Our services target professionals and adults interested in financial education. We don't knowingly collect information from anyone under 16. If you're a parent who discovers your child has provided us with personal information, contact us immediately and we'll delete it.

9 Changes to This Policy

We update this policy occasionally to reflect new practices or legal requirements. When we make significant changes, we'll notify active users by email and post a notice on our platform. The "Last Updated" date at the top shows when the most recent revision took effect.

Continuing to use our services after policy changes means you accept the updated terms. If you disagree with changes, you can close your account before they take effect.