Privacy Policy

Last updated: [DATE]

RiskWise Academy ("we", "us", "our") respects your privacy and is committed to protecting your personal data.

This Privacy Policy explains how we collect, use, store and protect personal information when you visit our website, create an account, purchase courses, use our learning platform or otherwise interact with us.

1. Who We Are

The data controller is:

Legal entity: [LEGAL ENTITY NAME]
Registered address: [REGISTERED ADDRESS]
Registration number: [REGISTRATION NUMBER]
Email: [PRIVACY EMAIL]
Data Protection Officer / Privacy Contact: [DPO OR PRIVACY CONTACT]

2. Personal Data We Collect

Depending on how you use the Platform, we may collect:

Account information

first and last name;
email address;
password or authentication information;
country of residence;
account and login information.

Learning information

courses enrolled in;
lessons viewed or completed;
quiz results;
course progress;
certificates earned;
learning preferences.

Profile information

Where you voluntarily complete our onboarding or profiling questionnaire, we may collect information such as:

your primary learning goal;
your previous trading experience;
markets you are interested in;
answers to educational or behavioural questions;
how you heard about the Platform.

This information may be used to personalize your educational experience and communications.

Transaction information

We may process:

purchased courses;
transaction date;
transaction amount;
currency;
payment status;
transaction/reference identifiers.

Payment card details may be processed directly by our payment service provider and may not be stored by us.

Technical information

When you use the Platform, we may automatically collect:

IP address;
browser type;
device type;
operating system;
language;
approximate location derived from technical information;
pages visited;
interactions with the Platform;
technical logs;
security and diagnostic information.

Marketing information

Where applicable, we may collect information about your communication preferences and interactions with our emails or marketing communications.

3. How We Use Your Personal Data

We may use personal data to:

create and manage your account;
provide access to courses and educational content;
process purchases and payments;
track course progress;
provide certificates;
provide customer support;
personalize your learning experience;
send transactional communications;
send marketing communications where permitted;
understand how users interact with the Platform;
improve our courses, services and Platform;
maintain security and prevent fraud or misuse;
comply with legal and regulatory obligations;
establish, exercise or defend legal claims.

4. Legal Bases for Processing

Depending on the circumstances, we may process personal data based on:

performance of a contract;
compliance with a legal obligation;
our legitimate interests;
your consent.

Where processing is based on consent, you may withdraw your consent at any time. Withdrawal of consent does not affect the lawfulness of processing carried out before withdrawal.

5. Marketing Communications

Where permitted by applicable law, we may send you information about courses, educational content, Platform updates and other relevant communications.

Where consent is required, we will ask for your consent separately.

You may unsubscribe from marketing communications at any time by using the unsubscribe link included in the relevant communication or by contacting us.

Transactional and service-related communications may still be sent where necessary to administer your account or purchases.

6. Personalisation and Profiling

We may use information you provide through our onboarding questionnaire and your interaction with the Platform to personalize educational content, recommendations and communications.

This profiling is intended to improve your learning experience.

Unless expressly stated otherwise, we do not intend to make decisions based solely on automated processing that produce legal effects or similarly significant effects concerning you.

7. Sharing Personal Data

We may share personal data with trusted service providers where necessary to operate the Platform, including providers of:

hosting and infrastructure;
payment processing;
customer support;
email and marketing services;
analytics;
security services;
authentication;
CRM systems;
video or educational technology;
technical development services.

These providers may process personal data only in accordance with applicable contractual and legal requirements.

We may also disclose personal data where required by law, court order, regulatory authority or other lawful request.

8. FXORO Global

Where the Platform is connected to or promotes services provided by FXORO Global, certain information may be shared with FXORO Global where this is necessary, lawful and appropriately disclosed.

For example, this may apply where you expressly request to open a demo or live trading account or where you request further information about FXORO services.

Any regulated brokerage relationship with FXORO Global is governed by FXORO Global's own privacy notices, terms and regulatory documentation.

9. International Data Transfers

Some of our service providers may process personal data outside your country or outside the European Economic Area.

Where applicable, we will implement appropriate safeguards required by applicable data protection law for international transfers. These safeguards may include adequacy decisions, Standard Contractual Clauses or other legally recognized transfer mechanisms.

10. Data Retention

We retain personal data only for as long as reasonably necessary for the purposes described in this Privacy Policy, including to:

maintain your account;
provide purchased services;
comply with legal and accounting requirements;
resolve disputes;
enforce agreements;
prevent fraud;
maintain appropriate business records.

Retention periods may vary depending on the type of information and applicable legal requirements.

11. Your Data Protection Rights

Depending on applicable law, you may have the right to:

access your personal data;
request correction of inaccurate data;
request deletion of personal data;
request restriction of processing;
object to certain processing;
request data portability;
withdraw consent;
object to direct marketing;
lodge a complaint with a competent data protection authority.

Requests can be submitted to: [PRIVACY EMAIL]

We may need to verify your identity before processing certain requests.

12. Security

We use reasonable technical and organizational measures designed to protect personal data against unauthorized access, loss, misuse, alteration or disclosure.

However, no internet transmission or electronic storage system can be guaranteed to be completely secure.

13. Children

The Platform is not intended for children who are below the minimum age required to enter into a contract under applicable law.

We do not knowingly collect personal data from children in violation of applicable law.

If you believe that a child has provided us with personal data, please contact us.

14. Third-Party Websites

The Platform may contain links to third-party websites.

We are not responsible for the privacy practices or content of third-party websites.

You should review the privacy policies of third-party websites before providing personal information.

15. Cookies

We use cookies and similar technologies to operate the Platform, remember preferences, understand website usage and, where permitted, support marketing activities.

For further information, please see our Cookie Policy.

16. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

The updated version will be published on the Platform with a revised "Last updated" date.

17. Contact

For privacy-related questions or requests:

[LEGAL ENTITY NAME] Email: [PRIVACY EMAIL] Address: [REGISTERED ADDRESS]