Privacy Policy

At calverionuthaq, we're committed to protecting your personal information and being transparent about how we collect, use, and share your data. This privacy policy explains our practices regarding personal data collection when you use our financial ratio understanding platform at calverionuthaq.com.

We operate under UK data protection laws, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. This means you have strong rights regarding your personal information, and we're required to handle your data lawfully, fairly, and transparently.

We collect different types of information to provide and improve our financial education services. Here's what we gather and why:

We never collect sensitive financial information like bank account numbers, credit card details (these are processed securely by our payment provider), or personal investment portfolios unless you specifically choose to share examples for educational purposes.

Your data helps us deliver better financial education and maintain our platform. We use your information for these specific purposes:

• Providing access to our learning materials and tracking your progress through courses
• Sending you course updates, educational resources, and important account notifications
• Personalizing your learning experience based on your progress and preferences
• Processing payments for premium courses and generating invoices
• Responding to your questions and providing customer support
• Improving our course content based on how students interact with materials
• Ensuring platform security and preventing fraudulent activity
• Complying with legal obligations and regulatory requirements

We base our data processing on several legal grounds under UK GDPR, including your consent, our legitimate interests in providing educational services, contractual necessity for delivering courses you've purchased, and legal obligations we must fulfill as an educational provider.

We don't sell your personal information to anyone. However, we do work with trusted partners who help us deliver our educational services:

• Payment processors: Stripe and PayPal handle payment transactions securely without us storing your financial details
• Email service provider: Mailchimp manages our course notifications and educational newsletters
• Cloud hosting: AWS provides secure hosting for our platform and learning materials
• Analytics tools: Google Analytics helps us understand how students use our website (with anonymized data)
• Customer support: Zendesk manages support tickets and communication history

All our partners are required to protect your data according to UK and EU standards. We have data processing agreements with each provider that limit how they can use your information.

We may also share your data if required by law, to protect our legal rights, or in the event of a business merger or acquisition (though we'd notify you first).

Under UK data protection law, you have significant rights regarding your personal information. Here's what you can do:

To exercise any of these rights, simply email us at info@calverionuthaq.com with your request. We'll respond within one month and won't charge you unless your request is clearly unfounded or excessive.

We take data security seriously and use multiple layers of protection to safeguard your information:

• All data transmission uses SSL encryption to prevent interception
• Our servers are protected by firewalls and undergo regular security audits
• Staff access to personal data is limited and monitored
• We use secure backup systems with encryption at rest
• Regular security training keeps our team updated on best practices

If a data breach occurs that poses a high risk to your rights and freedoms, we'll notify you within 72 hours along with steps you can take to protect yourself.

Our website uses cookies to improve your experience and help us understand how students interact with our content. Here's what we use:

• Essential cookies: Required for login, course access, and basic website functionality
• Analytics cookies: Google Analytics tracks anonymous usage patterns to help us improve course design
• Preference cookies: Remember your settings like language preferences and course bookmarks
• Marketing cookies: Show you relevant course recommendations (only with your consent)

You can control cookie settings through your browser or our cookie consent banner when you first visit our site. Disabling some cookies may affect website functionality, but you'll still be able to access most features.

Some of our service providers are located outside the UK and European Economic Area. When we transfer your data internationally, we ensure adequate protection through:

• EU adequacy decisions for countries with equivalent data protection standards
• Standard contractual clauses approved by UK and EU authorities
• Certification schemes and codes of conduct that meet UK GDPR requirements

For example, our cloud hosting provider AWS maintains servers in EU regions and has certified compliance with UK data protection standards. We never transfer data to countries without adequate protection measures in place.

We review this privacy policy annually or whenever we make significant changes to our data practices. When we update the policy, we'll:

• Post the new version on our website with an updated "last modified" date
• Send email notifications to active users for major changes
• Highlight key changes in our course announcements
• Maintain previous versions for reference upon request

If changes significantly affect how we use your data, we may ask for renewed consent or provide opt-out options where legally required.