Privacy Policy

Effective Date: January 1, 2025

Last Updated: January 1, 2025

1. Introduction

Welcome to Finance Focus Academy ("we," "our," "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website https://financefocusacademy.com and purchase our financial consulting courses.

By accessing or using our services, you agree to the terms of this Privacy Policy. If you do not agree with our policies and practices, please do not use our services.

2. Information We Collect

2.1 Personal Information

We collect personal information that you voluntarily provide to us when you:

Register for an account or enroll in our courses
Make a purchase or transaction
Subscribe to our newsletter
Contact us via our contact form or email
Participate in surveys or promotional activities

This information may include:

Full name
Email address
Phone number
Billing address and postal code
Payment information (processed securely through third-party payment processors)
Country of residence

2.2 Automatically Collected Information

When you visit our website, we automatically collect certain information about your device and browsing behavior, including:

IP address
Browser type and version
Operating system
Pages visited and time spent on pages
Referring website
Date and time of visits
Clickstream data

2.3 Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to collect information about your browsing activities. Cookies are small data files stored on your device. We use both session cookies (which expire when you close your browser) and persistent cookies (which remain on your device until deleted).

Types of cookies we use:

Essential Cookies: Required for website functionality
Analytics Cookies: Help us understand how visitors interact with our website (Google Analytics)
Marketing Cookies: Used to track visitors across websites for advertising purposes (Facebook Pixel)

You can control cookie preferences through your browser settings, but disabling cookies may limit your ability to use certain features of our website.

3. How We Use Your Information

We use the information we collect for the following purposes:

To process your course enrollments and payments
To provide access to course materials and educational content
To communicate with you about your account, purchases, and course updates
To send promotional emails and newsletters (with your consent)
To respond to your inquiries and provide customer support
To improve our website, courses, and services
To analyze usage patterns and optimize user experience
To prevent fraud and ensure security
To comply with legal obligations
To enforce our Terms & Conditions

4. Sharing Your Information

We do not sell your personal information to third parties. We may share your information with:

4.1 Service Providers

We engage third-party companies and individuals to perform services on our behalf, including:

Payment processing (credit card processors, payment gateways)
Email delivery services
Hosting and cloud storage providers
Analytics services (Google Analytics)
Marketing platforms (Facebook, social media advertising)
Customer relationship management (CRM) tools

These service providers have access to your personal information only to perform specific tasks on our behalf and are obligated to protect your information.

4.2 Legal Requirements

We may disclose your information if required to do so by law or in response to:

Valid legal processes (subpoenas, court orders)
Governmental requests
Protection of our rights, property, or safety
Investigation of fraud or security issues
Enforcement of our policies and terms

4.3 Business Transfers

In the event of a merger, acquisition, bankruptcy, or sale of all or a portion of our assets, your personal information may be transferred to the acquiring entity.

5. Data Security

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

SSL/TLS encryption for data transmission
Secure server infrastructure
Regular security audits and updates
Access controls and authentication
Employee training on data protection

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When your information is no longer needed, we will securely delete or anonymize it.

Specific retention periods:

Account information: Duration of active enrollment plus 7 years
Transaction records: 10 years for financial and tax compliance
Marketing communications: Until you unsubscribe or request deletion
Website analytics: 26 months (Google Analytics default)

7. Your Privacy Rights

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

7.1 Access and Portability

You have the right to request a copy of the personal information we hold about you and to receive it in a structured, commonly used format.

7.2 Correction

You may request that we correct any inaccurate or incomplete personal information.

7.3 Deletion

You may request that we delete your personal information, subject to certain legal exceptions (e.g., compliance with legal obligations, completion of transactions).

7.4 Opt-Out of Marketing

You can unsubscribe from marketing emails by clicking the "unsubscribe" link in any promotional email or by contacting us at info@financefocusacademy.com.

7.5 Cookie Preferences

You can manage your cookie preferences through our cookie consent banner or your browser settings.

7.6 Do Not Track

Our website does not currently respond to "Do Not Track" signals from browsers.

To exercise any of these rights, please contact us at info@financefocusacademy.com. We will respond to your request within 30 days.

8. Third-Party Websites

Our website may contain links to third-party websites, including social media platforms. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

9. Children's Privacy

Our services are intended for adults aged 18 and older. We do not knowingly collect personal information from children under 18. If we become aware that we have collected information from a child under 18, we will promptly delete it.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We are located in South Africa, and our service providers may be located in various countries. By using our services, you consent to the transfer of your information to countries that may have different data protection laws than your jurisdiction.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website with a new "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the updated policy.

12. Contact Information

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Finance Focus Academy
Registration No: 96763751
Address: 7556 Donald Island Suite 843, Christoton, WC 9078, South Africa
Phone: +9716018521447
Email: info@financefocusacademy.com

13. GDPR Compliance (European Users)

If you are located in the European Economic Area (EEA), you have additional rights under the General Data Protection Regulation (GDPR):

Right to be informed about data collection and use
Right of access to your personal data
Right to rectification of inaccurate data
Right to erasure ("right to be forgotten")
Right to restrict processing
Right to data portability
Right to object to processing
Rights related to automated decision-making and profiling

Our lawful basis for processing your personal information includes:

Contract performance (to provide our services)
Consent (for marketing communications)
Legitimate interests (to improve our services and prevent fraud)
Legal obligations (to comply with applicable laws)

14. California Privacy Rights (CCPA)

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA):

Right to know what personal information is collected, used, shared, or sold
Right to delete personal information
Right to opt-out of the sale of personal information (we do not sell personal information)
Right to non-discrimination for exercising your privacy rights

By using Finance Focus Academy's website and services, you acknowledge that you have read and understood this Privacy Policy.