Privacy Policy

1. Controller

CrestOrbit Finance Lab (“we”, “us”, “our”) is the controller for personal data processed in connection with our website and course platform.

2. What we collect

• Account data: name, email, hashed password.
• Course progress: modules completed, assessment scores.
• Transactional data: purchase history (via payment provider tokens).
• Technical data: IP address, device info, and cookies (only if you consent to analytics).

3. Why we collect it

• To provide and personalize course access.
• To process transactions and deliver receipts.
• To improve content using aggregated analytics (if consented).
• To meet legal obligations (e.g., tax records).

4. Legal bases

We rely on performance of a contract, legitimate interests (content improvement, security), consent (analytics), and legal obligations (record-keeping).

5. Sharing

We share data with service providers under contract: payment processors, cloud hosting, and analytics (if enabled). We do not sell personal data.

6. International transfers

Where applicable, we use standard contractual clauses and equivalent safeguards for cross-border transfers.

7. Retention

Account and purchase records are kept for as long as you maintain an account and as required by tax laws. Analytics data is stored for up to 24 months.

8. Your rights

• Access, rectification, erasure.
• Restriction or objection to processing.
• Data portability.
• Withdraw analytics consent anytime via the cookie banner preferences.

9. Security

We use encryption in transit, role-based access, and regular backups. No system is perfectly secure; report concerns to [email protected].

10. Cookies

Functional cookies are required to operate the site. Analytics cookies are optional and disabled by default.

11. Children

Our services are not directed to children under 16. If we learn a child has provided personal data, we will delete it.

12. Contact

For privacy questions, email [email protected] or write to Privacy, CrestOrbit Finance Lab.

13. Updates

We may update this policy. Material changes will be announced on the site. The latest version applies upon posting.