Information We Collect

Personal Information You Provide

When you register for our courses or contact us, we collect information that helps us deliver our educational services:

• Name and contact details (email address, phone number)
• Billing information and payment details
• Educational background and professional experience
• Course preferences and learning goals
• Communication history with our support team

Automatically Collected Data

Our website collects certain technical information to improve your experience:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on our platform
• Referral sources and navigation patterns
• Course progress and assessment results

Cookies and Tracking Technologies

We use cookies to remember your preferences and analyze site usage. You can control cookie settings through your browser, though some features may not work properly if disabled.

How We Use Your Information

The data we collect serves specific purposes related to delivering quality financial education:

• Processing course registrations and managing your enrollment
• Delivering educational content and tracking your learning progress
• Sending course updates, announcements, and relevant educational resources
• Processing payments and maintaining financial records
• Responding to your inquiries and providing customer support
• Improving our curriculum based on student performance and feedback
• Analyzing platform usage to enhance user experience
• Complying with legal obligations and protecting our rights

Legal Basis for Processing (Taiwan PDPA Compliance)

Under Taiwan's Personal Data Protection Act, we process your information based on:

• Contractual Necessity: Processing required to deliver the educational services you've enrolled in
• Legitimate Interest: Improving our platform and courses based on aggregated usage data
• Consent: Marketing communications and optional data collection where you've given explicit permission
• Legal Compliance: Meeting tax, financial reporting, and regulatory requirements

Data Sharing and Third Parties

We work with carefully selected service providers who help us operate our platform. These partners access your data only as needed:

When We Must Disclose Information

We may share your data when legally required:

• Responding to valid legal requests from Taiwan authorities
• Enforcing our terms of service or protecting our rights
• Preventing fraud or security threats
• During business transfers (mergers, acquisitions) with proper notification

Your Rights Under Taiwan Law

Taiwan's PDPA grants you specific rights regarding your personal information:

Access and Correction

You can request a copy of the personal data we hold about you. If any information is inaccurate or outdated, you have the right to request corrections.

Deletion and Restriction

You may request deletion of your data when it's no longer necessary for the purposes collected, or withdraw consent where processing is based on your agreement. We'll comply unless legal obligations require retention.

Data Portability

For information you've provided directly, you can request a copy in a structured, commonly used format.

Object to Processing

You can object to certain types of processing, particularly for marketing purposes. We'll stop processing unless we have compelling legitimate grounds.

Data Security Measures

Protecting your information is something we think about constantly. Here's what we do:

• Encryption: All data transmission uses SSL/TLS encryption. Sensitive data at rest is also encrypted
• Access Controls: Employee access is limited based on role necessity with multi-factor authentication
• Regular Audits: Quarterly security assessments and vulnerability testing
• Secure Infrastructure: Hosting with reputable providers meeting international security standards
• Incident Response: Documented procedures for detecting and responding to security events
• Staff Training: Regular privacy and security training for all team members

But let's be honest – no system is completely immune to breaches. If a security incident affects your data, we'll notify you within 72 hours as required by Taiwan regulations and explain what happened and what we're doing about it.

Data Retention Periods

We keep your information only as long as needed for the purposes described above:

After these periods, we securely delete or anonymize your information. You can request earlier deletion, though we may need to retain certain records for legal compliance.

International Data Transfers

Our platform uses cloud services that may store data outside Taiwan. When transferring data internationally, we ensure:

• Service providers maintain adequate data protection standards
• Contractual safeguards are in place through data processing agreements
• Transfers comply with Taiwan's cross-border data transfer requirements
• Your rights under Taiwan law remain protected

Currently, some data is processed through servers in Singapore and Japan. These locations were chosen for their strong data protection frameworks and proximity to Taiwan.

Children's Privacy

Our financial education courses are designed for adult learners. We don't knowingly collect information from individuals under 18 years old without parental consent.

If you're under 18 and interested in our programs, please have a parent or guardian contact us. If we discover we've collected data from a minor without proper consent, we'll delete it promptly.

Marketing Communications

We send educational content, course announcements, and updates to enrolled students. You can opt out of marketing emails anytime using the unsubscribe link in each message.

Even if you opt out of marketing, we'll still send essential communications about your courses, account changes, and important platform updates.

What You Might Receive:

• Course enrollment confirmations and payment receipts
• Learning progress updates and upcoming deadline reminders
• New course announcements and educational resources
• Platform updates and feature improvements
• Occasional surveys to improve our services

Changes to This Policy

We update this policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you via email or platform announcement at least 30 days before they take effect.

The current version is always available on our website with the last updated date at the top. Continued use of our services after changes means you accept the updated policy.

Previous versions are archived and available upon request if you need to reference historical privacy practices.

Third-Party Links

Our platform may link to external resources, tools, or partner websites. We're not responsible for the privacy practices of these third parties.

When you leave our platform, we encourage you to review the privacy policies of any external sites you visit. This policy applies only to information collected by Fluxly-Ripplex.