Privacy Policy

We collect information that helps us provide better budgeting education and support. This includes data you give us directly and some information we gather automatically when you use our platform.

Your data serves specific purposes that directly benefit your learning experience. We don't use your information for anything you wouldn't reasonably expect from an educational service.

Sometimes we need to share your information with trusted partners who help us run our platform. Here's the complete picture of who might see your data and why.

• Payment Processors: Companies like PayPal or Stripe handle your payment information securely. They only receive what's necessary to process transactions.
• Email Service Providers: We use email platforms to send you course updates and educational content. They store your email address but can't use it for their own purposes.
• Cloud Hosting Services: Your course data lives on secure servers managed by reputable hosting companies with strong security practices.
• Analytics Tools: We use services that help us understand how people use our site, but we configure them to respect your privacy as much as possible.
• Legal Authorities: If required by Philippine law or court order, we may need to disclose certain information to government agencies.

All these partners sign agreements promising to protect your information and use it only for the specific services we've hired them to provide.

We take reasonable steps to keep your data secure. While no system is completely bulletproof, we've put multiple layers of protection in place.

• All data transmitted between your browser and our servers is encrypted using SSL/TLS technology
• We store passwords using industry-standard hashing algorithms, so even we can't see your actual password
• Our staff members can only access the minimum data they need to do their jobs
• We regularly update our security measures and monitor for potential vulnerabilities
• Payment information never touches our servers—it goes directly to our payment processors
• We maintain regular backups in case of data loss or system failures

That said, you play a role too. Use a strong password, don't share your account credentials, and let us know immediately if you notice anything suspicious.

The Philippines Data Privacy Act of 2012 gives you specific rights over your personal information. We respect these rights and make it straightforward for you to exercise them.

We don't keep your information forever. Here's our approach to data retention:

• Active Students: We keep your data while you're enrolled and for up to 2 years after your last course activity, in case you return.
• Financial Records: Payment and transaction data stays on file for 7 years to comply with Philippine tax and accounting requirements.
• Course Completion Records: We maintain certificates and completion records indefinitely so you can always verify your educational achievements.
• Marketing Communications: If you unsubscribe, we remove you from our lists within 10 business days but may keep a record that you opted out.
• Support Inquiries: Correspondence and support tickets are kept for 3 years to help resolve any follow-up questions.

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

Like most websites, we use cookies. These are small files that help our site remember your preferences and understand how you use our platform.

You can manage cookie settings through your browser. Keep in mind that blocking some cookies might affect your ability to use certain features.

Our courses are designed for adults managing their personal finances. We don't knowingly collect information from anyone under 18 years old.

If you're a parent and believe your child has provided us with personal information, please contact us immediately. We'll delete that information from our systems within 48 hours of verification.

For students aged 16-17 who want to enroll with parental consent, we require written permission from a parent or legal guardian.

Our primary operations are in the Philippines, but some of our service providers are based in other countries. When your data crosses borders, we ensure it remains protected.

We only work with companies in countries that have adequate data protection laws or with those who agree to contractual safeguards that meet Philippine standards. Your information receives the same level of protection regardless of where it's processed.

If you're accessing our site from outside the Philippines, you're transferring your information to us voluntarily, and it will be subject to Philippine privacy laws.

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you through email and display a notice on our website for at least 30 days.

The "Last Updated" date at the top of this page shows when we last revised the policy. We encourage you to review it periodically, especially before enrolling in new courses.

Continuing to use our services after we've notified you of changes means you accept the updated policy. If you don't agree with the changes, you can close your account before they take effect.