Information We Collect

We collect different types of information depending on how you interact with us. Here's what that looks like in practice:

Information You Give Us Directly

When you sign up for our learning program, contact us, or subscribe to updates, you provide information like:

• Your name and email address
• Phone number (if you choose to share it)
• Company information for business accounts
• Educational background and investment experience level
• Questions or feedback you send us

Information Collected Automatically

Like most websites, we gather some technical data when you visit. This includes your IP address, browser type, pages you view, and how long you spend on different sections. We use this to understand how people navigate our site and where we can improve.

Learning Progress Data

If you're enrolled in our programs, we track which modules you've completed, quiz results, and areas where you might need additional resources. This helps us personalize your experience and suggest relevant content.

How We Use Your Information

We don't collect data just to have it. Here's what we actually do with the information you share:

• Delivering Our Services: We use your contact details to send program materials, answer questions, and keep you updated on your learning journey.
• Personalizing Your Experience: Your progress data helps us recommend relevant content and adjust difficulty levels to match your knowledge.
• Improving Our Programs: Aggregate data shows us which topics resonate and which need better explanation.
• Communication: We'll send you important updates about your account and, if you've opted in, occasional insights about long-term investing.
• Legal Compliance: Sometimes we're required to maintain records or verify identities under Belgian financial education regulations.

Legal Basis for Processing (GDPR)

Under European law, we need a valid reason to process your data. Here's what applies to us:

• Contractual Necessity: When you enroll in a program, we need your information to deliver what you signed up for.
• Consent: For marketing emails or optional features, we ask your permission first.
• Legitimate Interest: We may process data to improve our services or prevent fraud, as long as it doesn't override your rights.
• Legal Obligation: Sometimes Belgian law requires us to maintain certain records.

Data Sharing and Third Parties

We work with a few trusted partners to run our services effectively. Here's who might access your information:

All these partners are bound by strict data protection agreements. We only share what's necessary, and they can't use your information for their own purposes.

Your Rights Under GDPR

European data protection law gives you significant control over your information. You can:

Access Your Data

Request a copy of everything we have about you. We'll provide it in a readable format within 30 days.

Correct Inaccuracies

If something's wrong in your profile or records, let us know and we'll fix it promptly.

Delete Your Information

Ask us to erase your data, and we will—unless we're legally required to keep certain records. Even then, we'll delete everything we can.

Restrict Processing

You can ask us to pause using your data in certain ways while keeping it on file.

Data Portability

Get your information in a format that lets you transfer it to another service.

Object to Processing

If we're processing data based on legitimate interest, you can object. We'll stop unless we have compelling reasons to continue.

Withdraw Consent

For things like marketing emails, you can withdraw permission anytime. It won't affect any processing we did before you withdrew consent.

Data Security Measures

We protect your information using industry-standard security practices:

• All data transfers happen over encrypted connections (SSL/TLS)
• Personal information is stored on secure servers with access controls
• Our team receives regular training on data protection practices
• We conduct periodic security audits to identify vulnerabilities
• Payment information is processed through PCI-compliant systems
• We maintain backups in secure, encrypted locations

No system is completely foolproof, but we take reasonable steps to protect against unauthorized access, alteration, or destruction of your data.

Data Retention Periods

We don't keep your information forever. Here's how long different types of data stick around:

• Active Account Data: Maintained while you're enrolled in programs or using our services
• Course Completion Records: Kept for 7 years to comply with Belgian educational recordkeeping requirements
• Financial Records: Retained for 7 years as required by Belgian tax law
• Marketing Data: Removed within 3 years of your last interaction with us
• Support Correspondence: Deleted after 3 years unless needed for ongoing matters

After these periods, we securely delete or anonymize your information so it can't be traced back to you.

International Data Transfers

We're based in Belgium, but some of our service providers operate servers outside the European Economic Area. When we transfer data internationally, we ensure it receives adequate protection through:

• Standard Contractual Clauses approved by the European Commission
• Transfers to countries recognized as having adequate data protection
• Additional safeguards like encryption and access restrictions

Your data receives the same level of protection regardless of where it's processed.

Cookies and Tracking

Our website uses cookies—small text files stored on your device. They help us remember your preferences and understand how you use the site.

Essential Cookies

These are necessary for the site to function. They remember your login status and security settings. You can't opt out of these without breaking the site's functionality.

Analytics Cookies

We use these to understand which pages people visit and how they navigate. This data is anonymized and helps us improve the user experience.

Preference Cookies

These remember your choices like language settings or display preferences.

You can manage cookie preferences through your browser settings. Most browsers let you block or delete cookies, though this might affect site functionality.

Children's Privacy

Our services are designed for adults interested in investment education. We don't knowingly collect information from anyone under 16 years old.

If we discover we've inadvertently gathered data from a minor, we'll delete it immediately. If you believe we have information about someone under 16, please contact us right away.

Changes to This Policy

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

The "last updated" date at the top shows when we made the most recent changes. We encourage you to review this policy periodically, especially before sharing new information with us.

Continued use of our services after changes take effect means you accept the updated policy.

Complaints and Supervisory Authority

If you're not satisfied with how we've handled your data or responded to your rights requests, you have options:

First, contact us directly at [email protected]. We want to resolve concerns quickly and fairly.

If that doesn't resolve the issue, you can file a complaint with Belgium's Data Protection Authority: