Privacy Policy

Information We Collect

We collect information you provide directly to us when using our financial education services. This helps us deliver personalized budget literacy training and support your financial learning journey.

Automatic Information Collection

When you visit our website, we automatically collect certain technical information including your IP address, browser type, device information, and how you navigate through our educational content. This helps us improve our services and ensure our budget literacy resources are accessible across different devices.

How We Use Your Information

Your information helps us provide effective financial education tailored to your needs. We use your data to enhance your learning experience and keep you informed about relevant budget literacy resources.

• Deliver personalized budget literacy training and educational content
• Track your progress through financial education programs and provide completion certificates
• Send important updates about your enrolled courses and new educational opportunities
• Respond to your questions about budgeting, financial planning, and our services
• Improve our educational materials based on user feedback and learning outcomes
• Ensure the security and proper functioning of our online learning platform
• Comply with applicable laws and regulations in Laos regarding educational services

Information Sharing and Disclosure

We maintain strict confidentiality regarding your personal information. We do not sell, rent, or trade your data to third parties for marketing purposes.

Limited Sharing Circumstances

We may share your information only in these specific situations:

• With your explicit consent for specific purposes you've approved
• To service providers who help us deliver educational content (they're bound by confidentiality agreements)
• When required by law or to protect the rights and safety of our users
• In case of business transfer, where your information would be transferred under the same privacy protections

Educational Partners

Occasionally, we work with certified financial educators and approved organizations to enhance our programs. Any sharing with educational partners requires your prior consent and is limited to information necessary for delivering specific services you've requested.

Data Security and Protection

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction.

Technical Safeguards

• SSL encryption for all data transmission between your device and our servers
• Secure databases with restricted access controls and regular security audits
• Regular software updates and security patches to protect against vulnerabilities
• Backup systems to ensure your learning progress is never lost

Administrative Safeguards

Our team members receive regular training on privacy protection and data handling. Access to your information is limited to staff members who need it to provide educational services. We maintain detailed logs of data access for security monitoring.

Data Retention

We keep your information only as long as necessary to provide our services and comply with legal requirements.

Educational Records

Course completion records and certificates are retained for seven years to comply with educational standards and support future reference needs. Your learning progress and quiz results are kept for three years after your last activity.

Communication Data

Support conversations and feedback are retained for two years to help us improve our services. Marketing communication preferences are kept until you change them or close your account.

Account Information

If you close your account, we'll delete your personal information within 90 days, except for records we're legally required to maintain. You'll receive confirmation when the deletion is complete.

International Data Transfers

Our services are primarily designed for users in Laos, and we store your information on secure servers within the region when possible. However, some of our service providers may process data in other countries.

When we transfer your information internationally, we ensure it receives the same level of protection through appropriate safeguards such as standard contractual clauses and adequacy decisions. We'll notify you of any significant changes to our data storage locations.

Cookies and Tracking

We use cookies to enhance your learning experience and remember your preferences. These small files help us provide personalized content and track your progress through our educational programs.

Types of Cookies We Use

• Essential cookies: Required for basic site functionality and course access
• Performance cookies: Help us understand how you use our educational content
• Preference cookies: Remember your settings and customization choices
• Learning cookies: Track your progress and bookmark your place in courses

You can control cookie settings through your browser, though disabling certain cookies may affect your ability to use some features of our learning platform.

Children's Privacy

Our budget literacy programs are designed for adults and young adults aged 16 and older. We don't knowingly collect personal information from children under 16 without appropriate parental consent.

If we discover we've collected information from a child under 16, we'll delete it promptly. Parents or guardians who believe we may have collected their child's information can contact us for immediate removal.

Changes to This Policy

We may update this privacy policy periodically to reflect changes in our services or legal requirements. When we make significant changes, we'll notify you by email and post the updated policy on our website with a new effective date.

We encourage you to review this policy regularly to stay informed about how we protect your privacy. Continued use of our services after policy updates indicates your acceptance of the changes.