Privacy Policy

1. Information We Collect

We gather different types of information depending on how you use our services. Here's what we typically collect:

Personal Information You Provide

When you register for our courses or contact us, you might share:

• Full name and professional title
• Email address and phone number
• Educational background and work experience
• Payment information for course enrollment
• Professional interests related to financial analysis

Automatically Collected Data

Our platform collects technical information to improve your experience:

• Browser type, operating system, and device information
• IP address and general location data
• Course progress and learning patterns
• Time spent on different modules and resources
• Interaction with educational content and assessments

Information from Third Parties

Sometimes we receive data from external sources like payment processors or professional networks you use to sign up. This helps us verify your enrollment and process transactions securely.

2. How We Use Your Information

Your data serves specific purposes that directly support your learning experience and our operations:

3. Data Sharing and Third-Party Access

We share information only when necessary to operate our services or when required by law. Here are the circumstances:

Service Providers

We work with trusted companies that help us deliver our educational services. These include cloud hosting providers, payment processors, and email service platforms. They're contractually obligated to protect your data and can only use it for specified purposes.

Legal Requirements

We may disclose information if required by Vietnamese law, court orders, or government requests. This also applies when necessary to protect our rights, prevent fraud, or ensure user safety.

Business Transfers

If illuminatepwr undergoes a merger, acquisition, or sale of assets, your information might be transferred as part of that transaction. You'll be notified beforehand, and the new entity must honor this privacy policy.

With Your Consent

In situations not covered above, we'll ask for your explicit permission before sharing your data with any third party.

4. Your Privacy Rights

You have substantial control over your personal information. Under Vietnam's legal framework and our commitment to transparency, you can exercise these rights:

To exercise any of these rights, send an email to info@illuminatepwr.com with your request. We'll respond within 15 business days and verify your identity before proceeding.

5. Data Security Measures

Protecting your information is a top priority. We've implemented multiple layers of security:

Technical Safeguards

• End-to-end encryption for data transmission using TLS 1.3 protocols
• Encrypted storage of sensitive information in secure databases
• Regular security audits and vulnerability assessments
• Multi-factor authentication for administrative access
• Automated backup systems with secure offsite storage

Organizational Practices

• Limited employee access based on job responsibilities
• Mandatory privacy training for all staff members
• Strict vendor agreements requiring data protection standards
• Incident response procedures for potential breaches
• Regular review and updates of security protocols

6. Data Retention and Deletion

We keep your information only as long as necessary for the purposes outlined in this policy or as required by Vietnamese law.

Active Accounts

While your account remains active, we retain all associated data to provide continuous service and support your learning progress.

Inactive Accounts

If you haven't accessed your account for 24 months, we'll send a reminder email. After 30 months of inactivity, we may delete your account and associated data, except for records we're legally required to maintain.

After Account Deletion

When you close your account, we delete most personal information within 90 days. However, we retain certain records for up to seven years to comply with financial regulations, tax requirements, and legal obligations in Vietnam.

Backup Systems

Deleted data may persist in backup systems for up to 180 days before complete removal. These backups are encrypted and inaccessible for normal operations.

7. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance functionality and understand user behavior.

Essential Cookies

These are necessary for basic site operations like maintaining your login session and remembering course progress. You can't opt out of these without affecting core functionality.

Analytics Cookies

We use these to understand how users interact with our platform. This helps us identify popular courses, improve navigation, and fix technical issues. You can disable these through your browser settings.

Marketing Cookies

Currently, we don't use third-party advertising cookies. If this changes, we'll update this policy and request your consent.

Managing Cookies

Most browsers allow you to control cookies through settings. Keep in mind that blocking certain cookies might limit your ability to use some features of our platform.

8. International Data Transfers

While our primary operations are in Vietnam, some of our service providers operate servers in other countries. This means your data might be processed outside Vietnam.

When we transfer data internationally, we ensure adequate protection through:

• Standard contractual clauses approved by relevant authorities
• Agreements requiring equivalent privacy protections
• Regular audits of international service providers
• Compliance with Vietnam's regulations on cross-border data flows

If you're accessing our services from outside Vietnam, you understand that your data will be transferred to and processed in Vietnam, where our main servers are located.

9. Children's Privacy

Our educational platform is designed for adult professionals in the financial analysis field. We don't knowingly collect information from individuals under 18 years of age.

If you're under 18 and interested in our courses, please have a parent or guardian contact us to discuss enrollment options and provide necessary consent.

If we discover we've inadvertently collected data from someone under 18 without proper parental consent, we'll delete that information immediately.

10. Changes to This Privacy Policy

We review and update this policy periodically to reflect changes in our practices, technology, or legal requirements.

When we make significant changes, we'll notify you through:

• Email notification to your registered address
• Prominent notice on our website homepage
• In-platform notifications when you log in

The "Effective Date" at the top of this policy indicates when it was last revised. We encourage you to review this page occasionally to stay informed about how we're protecting your information.

Continued use of our services after policy changes constitutes acceptance of the updated terms. If you disagree with changes, you can close your account and stop using our services.

11. Vietnam-Specific Provisions

As a company operating in Vietnam, we comply with all applicable Vietnamese data protection laws and regulations, including:

Legal Framework

• Law on Cybersecurity (2018)
• Decree 13/2023/ND-CP on Personal Data Protection
• Relevant circulars and guidelines from Vietnamese authorities

Data Localization

Certain categories of data are stored on servers located within Vietnam to comply with local data residency requirements. This includes personal information of Vietnamese citizens and residents who use our services.

Government Requests

We cooperate with Vietnamese law enforcement and regulatory authorities when legally required. If we receive a government request for user data, we'll review it carefully and only provide information when legally compelled to do so.