Information We Collect

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

Personal Information You Provide

When you reach out or sign up for our financial planning programs, we ask for:

• Your name and contact details (email, phone number)
• Address information for service delivery
• Financial background and goals (only what's relevant to help you)
• Professional information if you're enrolling in our learning programs
• Payment details when you purchase services

Automatic Collection

Like most websites, we gather some technical information automatically:

• Your IP address and general location data
• Browser type and device information
• Pages you visit and how long you stay
• Referring websites and search terms

How We Use Your Information

We're not in the business of collecting data just to have it. Everything we gather serves a real purpose:

Service Delivery

Your personal information helps us deliver the financial planning education you signed up for. We need to know who you are to customize learning materials and track your progress through programs.

Communication

We'll use your contact details to send program updates, respond to inquiries, and share relevant educational content. You won't get bombarded with unnecessary emails—we respect your inbox.

Payment Processing

Financial information goes through secure payment processors. We don't store complete credit card numbers on our servers.

Platform Improvement

Anonymous usage data helps us understand which parts of our site work well and which need work. This might include analyzing page visits or tracking where people drop off during enrollment.

Legal Basis for Processing (Taiwan PDPA Compliance)

Under Taiwan's Personal Data Protection Act, we process your information based on:

• Contractual necessity—we need certain data to provide services you've requested
• Your explicit consent for marketing communications and program updates
• Legitimate business interests in improving our educational offerings
• Legal obligations related to financial education and record-keeping

You have the right to withdraw consent at any time, though this might limit our ability to provide certain services.

Data Sharing and Third Parties

We don't sell your information. Period. But we do share data with specific partners when necessary:

All partners sign agreements requiring them to protect your data and use it only for specified purposes. We vet these companies carefully.

Data Security Measures

Security isn't just a checkbox for us. Here's what we actually do:

• SSL encryption for all data transmission
• Regular security audits and vulnerability testing
• Restricted access to personal information—only team members who need it get access
• Secure backup systems with encryption at rest
• Employee training on data protection practices

That said, no system is 100% bulletproof. We do our best, but can't guarantee absolute security. If we detect a breach affecting your data, we'll notify you within 72 hours as required by Taiwan regulations.

Your Rights and Control

You have real control over your information. Under Taiwan's PDPA, you can:

Access Your Data

Request a copy of all personal information we hold about you. We'll provide this within 30 days in a readable format.

Correction Rights

Found an error? Let us know and we'll fix it promptly. You can update most information directly through your account settings.

Deletion Requests

Ask us to delete your data and we'll comply, except where we're legally required to keep records (like transaction history for tax purposes).

Data Portability

Get your information in a format that lets you move it to another service if you choose.

Object to Processing

You can object to certain uses of your data, particularly for marketing purposes.

Data Retention Periods

We don't keep information longer than necessary. Here are our retention practices:

• Active account data: kept while your account remains active
• Course completion records: maintained for 7 years (Taiwan education requirements)
• Payment records: retained for 7 years (tax compliance)
• Marketing communications: until you unsubscribe
• Website analytics: aggregated data kept indefinitely, individual data for 26 months

After retention periods expire, we securely delete or anonymize data so it can't be traced back to you.

Cookies and Tracking Technologies

We use cookies—small text files stored on your device—to make the site work properly and understand how people use it.

Essential Cookies

These keep the site functional. They remember your login status and preferences. You can't really disable these without breaking basic functionality.

Analytics Cookies

Help us see which pages get visited most, where people spend time, and what might be confusing. This data is anonymous.

Marketing Cookies

Track whether you came from an ad or partner site. These are optional and require your consent.

You can control cookies through your browser settings, though some features might not work as well if you block everything.

International Data Transfers

Our servers are primarily located in Taiwan, but some service providers operate internationally. When data leaves Taiwan, we ensure:

• Transfer agreements meeting Taiwan PDPA standards are in place
• Adequate protection measures match or exceed Taiwan requirements
• Data is encrypted during transfer
• Partners comply with recognized international frameworks

If you're accessing our services from outside Taiwan, your data might travel internationally. By using our services, you acknowledge these transfers.

Children's Privacy

Our services target adults interested in financial planning education. We don't knowingly collect information from anyone under 18 without parental consent.

If you're a parent and discover your child has provided us with personal information, please contact us. We'll delete it promptly.

Changes to This Policy

We update this policy occasionally to reflect new practices or legal requirements. When we make significant changes, we'll notify you via email or a prominent site notice.

The "Effective Date" at the top shows when the current version took effect. Previous versions are available upon request if you want to see what changed.

Continuing to use our services after changes means you accept the updated policy.

Taiwan-Specific Rights

Under the Personal Data Protection Act of Taiwan, you have additional specific rights:

• Right to inquire about the existence of your personal data
• Right to request a copy of your personal data
• Right to request supplementation or correction
• Right to request cessation of collection, processing, or use
• Right to request deletion of data

We may charge reasonable fees for providing copies of data or processing certain requests, as permitted under Taiwan law. We'll notify you of any fees before processing your request.