Personal Information You Provide

When you engage with our budget risk management services, we collect information you voluntarily share with us:

• Contact Details: Your name, email address, phone number, and mailing address
• Financial Information: Income ranges, budget categories, and financial goals you choose to share
• Educational Preferences: Learning topics, communication preferences, and course interests
• Professional Background: Your industry, experience level, and specific financial challenges

Automatically Collected Information

Our website collects certain technical information to improve your experience and ensure our services function properly:

• Usage Data: Pages visited, time spent on our site, and feature interactions
• Device Information: Browser type, operating system, and screen resolution
• Location Data: General geographic location (city/region level) for service customization
• Performance Metrics: Site loading times and error reports to enhance user experience

Cookies and Tracking Technologies

We use cookies thoughtfully and transparently. Our cookies help us remember your preferences, analyze site performance, and provide personalized educational content. You can control cookie settings through your browser, though some site functionality may be limited without certain cookies.

Service Delivery and Support

Your information helps us deliver personalized budget risk management guidance and educational resources tailored to your specific financial situation and goals.

• Customizing educational content based on your experience level and interests
• Providing relevant budget risk assessment tools and recommendations
• Offering personalized learning paths for financial skill development
• Delivering timely support and answering your specific questions

Communication and Updates

We use your contact information to keep you informed about services, educational opportunities, and important updates. This includes:

• Course announcements and educational program updates
• Monthly newsletters with practical budget management tips
• Important policy changes or service updates
• Responses to your inquiries and support requests

You can opt out of marketing communications at any time while still receiving essential service-related updates.

Service Improvement and Research

We analyze usage patterns and feedback to continuously improve our educational content and risk management tools. This research helps us understand what works best for different learning styles and financial situations.

Our Sharing Philosophy

We don't sell, rent, or trade your personal information. Your financial data and personal details remain confidential and are only shared in specific, limited circumstances that benefit your experience or are required by law.

Authorized Third-Party Services

We work with carefully selected service providers who help us deliver better experiences:

• Email Service Providers: For delivering educational content and course updates
• Analytics Platforms: To understand how our educational resources are being used
• Payment Processors: For secure handling of course payments and subscriptions
• Cloud Storage Providers: For secure data backup and system reliability

All third-party partners sign strict data protection agreements and can only use your information for the specific services they provide to us.

Legal Requirements

We may share information when required by Philippines law, court orders, or regulatory requirements. We'll always notify you of such requests unless legally prohibited from doing so.

Access and Transparency

You have the right to know exactly what information we hold about you. Request a complete copy of your personal data at any time, and we'll provide it within 30 days in a clear, readable format.

Correction and Updates

Keep your information accurate by updating your profile at any time. You can also contact us directly to correct any inaccurate information we may have on file.

Data Deletion Rights

Request deletion of your personal information at any time. We'll honor these requests within 30 days, except where we're legally required to retain certain records for tax or regulatory purposes.

Communication Preferences

Control how we communicate with you:

• Unsubscribe from marketing emails while keeping service updates
• Choose your preferred communication frequency
• Select specific topics you want to hear about
• Opt for phone, email, or written communication preferences

Technical Safeguards

We protect your information using industry-standard security measures:

• Encryption: All data transmission uses SSL/TLS encryption
• Secure Storage: Personal information is stored on encrypted servers
• Access Controls: Strict authentication required for all data access
• Regular Monitoring: Continuous monitoring for security threats and vulnerabilities

Organizational Security

Our team follows strict privacy protocols:

• Limited access to personal information on a need-to-know basis
• Regular privacy training for all staff members
• Signed confidentiality agreements for all team members and contractors
• Regular security audits and privacy assessments

Incident Response

In the unlikely event of a data breach, we'll notify affected users within 72 hours and provide clear information about what happened, what information was involved, and what steps we're taking to address the situation.

Retention Periods

We keep your information only as long as necessary to provide services and meet legal requirements:

• Active User Data: Retained while you're using our services
• Course Records: Maintained for 7 years after course completion for certification purposes
• Financial Records: Kept for 10 years as required by Philippines tax law
• Marketing Data: Deleted within 2 years of last interaction unless you opt to continue receiving communications

Automated Deletion

We've implemented automated systems to delete information that's no longer needed. This includes clearing temporary files, removing old backups, and purging inactive account data according to our retention schedule.

Account Closure

When you close your account, we'll delete your personal information within 90 days, except for records we're legally required to maintain for tax, legal, or regulatory purposes.