Privacy Policy

Information We Collect

At jolieruosuom, we collect information that helps us provide better financial analysis education and services. When you visit our website or use our learning platform, we gather various types of data to enhance your experience and deliver personalized content.

Personal Information

• Name and email address when you register for our learning programs
• Contact information including phone number and address
• Educational background and experience level in financial analysis
• Payment information for course enrollments (processed securely)
• Communication preferences and language settings

Usage Data

We automatically collect information about how you interact with our platform. This includes pages visited, time spent on different sections, course progress, and learning patterns. This data helps us understand which educational content is most valuable and how we can improve our teaching methods.

Technical Information

• IP address and browser type for security and optimization
• Device information and operating system details
• Cookies and similar tracking technologies
• Log files containing access times and error reports

How We Use Your Information

Your information serves several important purposes in our mission to provide excellent financial education. We use the data we collect to create personalized learning experiences, improve our educational content, and ensure our platform operates smoothly and securely.

Communication

We may contact you about course updates, new educational content, and important changes to our services. You can always opt out of marketing communications while still receiving essential service-related messages about your account and enrolled courses.

Platform Improvement

Usage data helps us identify which parts of our platform work well and which need improvement. We analyze learning patterns to create better educational content and optimize the user experience for future students.

Data Sharing and Third Parties

We take a conservative approach to sharing your information. jolieruosuom does not sell, rent, or trade your personal data to third parties for marketing purposes. However, we do work with trusted partners who help us deliver our educational services.

Service Providers

We share limited information with companies that help us operate our platform, including payment processors, email service providers, and hosting companies. These partners are bound by strict confidentiality agreements and can only use your data for the specific services they provide to us.

Legal Requirements

Business Transfers

In the event of a merger, acquisition, or sale of our business, your information may be transferred to the new entity. We will notify you before your information becomes subject to a different privacy policy.

Your Rights and Choices

You have significant control over your personal information and how we use it. We believe in transparency and want you to understand exactly what rights you have regarding your data.

How to Exercise Your Rights

To make any of these requests, simply contact us using the information provided at the bottom of this policy. We will respond within 30 days and may need to verify your identity before processing certain requests. There's no charge for most requests, though we may charge a reasonable fee for excessive or repetitive requests.

Communication Preferences

You can update your communication preferences at any time through your account settings. This includes choosing which types of educational content updates you'd like to receive and how often you want to hear from us.

Data Security and Protection

Data Breach Response

In the unlikely event of a data breach, we have procedures in place to quickly identify, contain, and assess the impact. We will notify affected users and relevant authorities within 72 hours of discovering any breach that poses a risk to your personal information.

Password Security

We strongly encourage you to use a unique, strong password for your jolieruosuom account. We store passwords using advanced hashing techniques, which means even our technical staff cannot see your actual password. Always log out of your account when using shared or public computers.

Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services and comply with legal obligations. Different types of data have different retention periods based on their purpose and legal requirements.

Account Information

Your account information and learning progress are retained as long as your account remains active. If you don't log in for two years, we'll send reminder emails before archiving your account. You can reactivate archived accounts by contacting us.

Course and Learning Data

Your course progress, certificates, and learning achievements are retained indefinitely to maintain your educational record. However, you can request deletion of this information if you no longer want us to maintain these records.

Communication Records

Financial Information

Payment information is retained for seven years to comply with financial regulations and tax requirements. Credit card details are never stored on our servers – they're processed directly by our payment provider and immediately deleted after processing.

International Data Transfers

As jolieruosuom operates globally, your information may be transferred to and processed in countries other than Malaysia. We ensure that all international transfers meet strict security and privacy standards through appropriate safeguards.

Transfer Safeguards

When we transfer your data internationally, we use standard contractual clauses approved by relevant data protection authorities. These contracts ensure that your information receives the same level of protection regardless of where it's processed.

Data Processing Locations

Your data may be processed in secure facilities located in Malaysia, Singapore, and other countries where our service providers operate. We regularly audit these facilities to ensure they meet our security standards.

Cookies and Tracking

We use cookies and similar technologies to enhance your experience on our website. These small files help us remember your preferences, keep you logged in, and understand how you use our platform.

Types of Cookies

• Essential cookies that are necessary for the website to function properly
• Performance cookies that help us understand how visitors interact with our site
• Functional cookies that remember your preferences and settings
• Analytics cookies that provide insights into user behavior and site performance

Managing Cookies

You can control cookies through your browser settings, though disabling certain cookies may affect your ability to use some features of our website. Most browsers allow you to view, delete, and block cookies from specific websites.

Children's Privacy

jolieruosuom's educational services are designed for adult learners and professionals. We do not knowingly collect personal information from children under 13 years of age. If we discover that we have inadvertently collected information from a child, we will delete it immediately.

Age Verification

During registration, we ask users to confirm they are at least 18 years old or have parental consent to use our services. Our financial education content is specifically designed for adult learners and assumes a mature understanding of financial concepts.

Changes to This Policy

We may update this privacy policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you by email and post a notice on our website.

Notification Process

For minor changes, we'll update the "Last Updated" date at the top of this policy. For significant changes that affect how we collect, use, or share your information, we'll provide at least 30 days' notice before the changes take effect.