Privacy Policy

Overview and Scope

This Privacy Policy explains how affcsontroll ("we," "us," or "our") collects, uses, protects, and shares information when you use our credit education platform at affcsontroll.com. We believe understanding credit shouldn't come at the cost of your privacy.

This policy applies to all users of our website, learning programs, events, and any related services we provide. By using affcsontroll, you agree to the collection and use of information as described in this policy.

Information We Collect

Information You Provide Directly

When you interact with our platform, you may choose to provide us with certain information:

• Contact information including name, email address, and phone number when you sign up for our learning programs
• Account credentials and profile information when you create an account
• Communication preferences and feedback when you contact us or participate in surveys
• Event registration details when you sign up for our educational events
• Payment information when you purchase premium content or services

Information We Collect Automatically

Like most websites, we automatically collect certain technical information:

• Device information including IP address, browser type, and operating system
• Usage data such as pages visited, time spent on our site, and navigation patterns
• Referral information about how you found our website
• Cookie and similar tracking technology data to improve your experience

Data Type	Purpose	Retention Period
Contact Information	Communication and service delivery	Until account deletion or 3 years of inactivity
Usage Analytics	Website improvement and personalization	26 months from collection
Payment Data	Transaction processing and records	7 years for tax and legal compliance

How We Use Your Information

We use the information we collect to provide and improve our credit education services. Here's exactly how:

• Delivering personalized learning content and tracking your progress through our programs
• Sending important updates about your account, courses, and upcoming events
• Processing payments and managing your subscription or purchase history
• Responding to your questions, concerns, and support requests promptly
• Analyzing website usage to improve our content and user experience
• Preventing fraud and ensuring the security of our platform
• Complying with legal obligations and protecting our legitimate business interests

We base our data processing on several legal grounds, including your consent, contractual necessity, legitimate business interests, and legal compliance requirements.

Information Sharing and Disclosure

Service Providers and Partners

We work with trusted third-party service providers who help us operate our platform. These companies are contractually bound to protect your information and can only use it for the specific services they provide to us:

• Payment processors for secure transaction handling
• Email service providers for course notifications and updates
• Analytics services to understand how our platform is used
• Cloud hosting providers for secure data storage
• Customer support tools to help us assist you better

Legal Requirements

We may disclose your information when required by law, such as responding to subpoenas, court orders, or other legal processes. We'll notify you of such requests unless prohibited by law.

Data Security and Protection

Protecting your information is a top priority. We implement multiple layers of security to safeguard your data:

• SSL/TLS encryption for all data transmission between your device and our servers
• Regular security audits and vulnerability assessments of our systems
• Restricted access controls ensuring only authorized personnel can access your data
• Secure data centers with physical and digital security measures
• Regular backups with encrypted storage to prevent data loss
• Incident response procedures to quickly address any security concerns

While we implement strong security measures, no system is completely secure. We encourage you to use strong passwords and keep your account information confidential.

Your Privacy Rights and Choices

You have significant control over your personal information. Here are the rights available to you:

Access and Portability

You can request a copy of all personal information we have about you. We'll provide this in a structured, commonly used format within 30 days of your request.

Correction and Updates

You can update your account information at any time through your profile settings, or contact us to make changes to information you cannot edit directly.

Deletion

• Delete your account and associated data through your account settings
• Request deletion of specific information by contacting our support team
• Note that some information may be retained for legal compliance or legitimate business purposes

Communication Preferences

You can opt out of marketing emails at any time using the unsubscribe link in our emails. You'll still receive important account and service-related communications.

Cookies and Tracking Technologies

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

Types of Cookies We Use

• Essential cookies that are necessary for basic website functionality
• Performance cookies that help us understand how visitors interact with our site
• Functional cookies that remember your preferences and personalize your experience
• Analytics cookies that provide insights into website usage and effectiveness

You can control cookie settings through your browser preferences. However, disabling certain cookies may limit some features of our platform.

International Data Transfers

Our primary servers are located in the United States. If you're accessing our services from outside the US, your information may be transferred to and processed in the United States, where data protection laws may differ from your country.

We ensure appropriate safeguards are in place for international transfers, including contractual protections and compliance with applicable privacy frameworks.

Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from someone under 18, we will take steps to delete such information promptly.

Parents or guardians who believe their child has provided us with information should contact us immediately using the information provided below.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we'll notify you by:

• Posting the updated policy on our website with a new "Last Updated" date
• Sending an email notification to your registered email address
• Displaying a prominent notice on our platform for at least 30 days

We encourage you to review this policy periodically to stay informed about how we protect your information.