claroventhis - Transform Your Money Mindset | Professional Finance Education

1. Information We Collect

At claroventhis, we collect information that helps us provide our money mindset development services effectively. This collection happens through various touchpoints during your interaction with our platform and services.

Personal Information We Collect:

Full name and contact details
Email address and phone number
Postal address and location data
Date of birth and age verification
Payment information and billing details
Educational background and experience
Learning preferences and goals
Communication history with our team
Technical information about your device
Website usage patterns and behavior
Social media profile information (if connected)
Survey responses and feedback

We automatically collect certain information when you visit our website, including your IP address, browser type, operating system, referring website, pages viewed, and the dates and times of your visits. This technical information helps us understand how our website is being used and allows us to improve the user experience.

When you participate in our educational programs or webinars, we may collect additional information about your learning progress, participation levels, and engagement metrics. This data helps us personalise your learning experience and measure the effectiveness of our educational content.

2. How We Use Your Information

Your personal information serves multiple purposes within our organisation, all aimed at delivering exceptional money mindset development services and maintaining effective communication with our community.

Service Delivery

We use your information to provide access to educational materials, process enrollments, deliver personalised learning experiences, and track your progress through our programs.

Communication

Your contact details allow us to send important updates about your courses, respond to inquiries, share relevant educational content, and notify you about new programs or services.

Payment Processing

Financial information is used to process payments, manage subscriptions, handle refunds, and maintain accurate billing records for all transactions.

Improvement & Analytics

We analyse usage patterns and feedback to enhance our website functionality, improve course content, and develop new educational resources that better serve our community.

We may also use your information to comply with legal obligations, resolve disputes, prevent fraudulent activity, and protect the rights and safety of our users and organisation. All data processing activities are conducted in accordance with UK data protection laws and our legitimate business interests.

Marketing communications are only sent to individuals who have provided explicit consent or where we have a legitimate interest in maintaining the relationship. You can opt out of marketing messages at any time using the unsubscribe link provided in each communication.

3. Data Sharing and Third Parties

claroventhis operates with a principle of minimal data sharing, only working with trusted partners and service providers who are essential to delivering our educational services and maintaining our platform operations.

We share personal information with payment processors to handle transactions securely, email service providers to deliver communications, hosting companies to maintain our website, and analytics services to understand user behavior. All third-party processors are bound by strict confidentiality agreements and must comply with UK and EU data protection standards.

Educational content platforms and learning management systems may receive certain information necessary to provide access to courses and track learning progress. These partners are carefully selected based on their security standards and commitment to data protection.

We may disclose personal information if required by law, court order, or government regulation, or if we believe in good faith that such disclosure is necessary to protect our rights, investigate fraud, or ensure the safety of our users and the public.

In the event of a business acquisition, merger, or sale of assets, personal information may be transferred as part of the transaction, but only with appropriate safeguards to protect user privacy and with prior notification to affected individuals.

We never sell, rent, or trade personal information to third parties for their own marketing purposes. Any data sharing arrangements are strictly limited to the purposes outlined in this privacy policy and are governed by comprehensive data processing agreements.

4. Your Data Protection Rights

Under UK data protection law, including the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018, you have significant rights regarding your personal information. These rights ensure you maintain control over how your data is processed and used.

Right of Access: You can request a copy of all personal information we hold about you, including details about how it's being processed and who it's shared with.
Right to Rectification: You can ask us to correct any inaccurate or incomplete personal information we hold about you.
Right to Erasure: You can request deletion of your personal information in certain circumstances, such as when it's no longer necessary for the original purpose.
Right to Restrict Processing: You can ask us to limit how we use your personal information while we resolve any disputes or concerns you may have.
Right to Data Portability: You can request to receive your personal information in a structured, machine-readable format to transfer to another service provider.
Right to Object: You can object to processing of your personal information for direct marketing purposes or where processing is based on legitimate interests.
Rights Related to Automated Decision Making: You can request human intervention if we make automated decisions that significantly affect you.

To exercise any of these rights, please contact us using the details provided in the contact section below. We will respond to your request within one month, though complex requests may take up to three months with appropriate notification of the delay.

You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) if you believe we have not handled your personal information appropriately. The ICO can be contacted at ico.org.uk or by calling their helpline on 0303 123 1113.

5. Data Security and Protection

claroventhis employs comprehensive security measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. Our multi-layered approach combines technical safeguards, organisational measures, and regular security assessments.

Encryption

All data transmissions use SSL/TLS encryption, and sensitive information is encrypted both in transit and at rest using industry-standard protocols.

Access Controls

Strict access permissions ensure only authorised personnel can access personal information, with regular reviews and updates to access privileges.

Regular Monitoring

Continuous monitoring systems detect and respond to potential security threats, with automated alerts and incident response procedures.

Staff Training

All team members receive regular training on data protection principles, security best practices, and privacy policy compliance.

Secure Infrastructure

Our hosting and storage solutions meet high security standards, with regular backups and disaster recovery procedures in place.

Third-Party Security

All service providers must demonstrate compliance with security standards and undergo regular security assessments.

We conduct regular security audits and vulnerability assessments to identify and address potential risks. Our incident response plan ensures that any security breaches are quickly contained, investigated, and reported to relevant authorities and affected individuals as required by law.

While we implement robust security measures, no system is completely immune to security risks. We encourage users to protect their own accounts by using strong passwords, keeping login credentials confidential, and reporting any suspicious activity immediately.

6. Data Retention and Deletion

We retain personal information only for as long as necessary to fulfil the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements. Retention periods vary depending on the type of information and the nature of our relationship with you.

Information Type	Retention Period	Justification
Account Information	7 years after account closure	Legal compliance and dispute resolution
Payment Records	7 years from transaction date	Tax and accounting requirements
Learning Progress Data	5 years after course completion	Certification records and continued support
Marketing Communications	Until unsubscribe or 3 years inactive	Ongoing relationship management
Website Analytics	26 months from collection	Service improvement and user experience
Support Communications	3 years from last contact	Quality assurance and follow-up support

When personal information reaches the end of its retention period, we securely delete or anonymise it using industry-standard data destruction methods. This includes overwriting digital files multiple times and ensuring physical destruction of any paper records.

In some cases, we may retain information for longer periods if required by law, such as for tax records or if there are ongoing legal proceedings. We may also retain anonymised or aggregated data indefinitely for statistical analysis and service improvement purposes.

You can request early deletion of your personal information by exercising your right to erasure, subject to our legal obligations and legitimate business interests. We will assess each request individually and respond within the timeframes required by law.

7. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience, remember your preferences, analyse website traffic, and deliver personalised content. These technologies help us understand how users interact with our platform and improve our services accordingly.

Essential cookies are necessary for basic website functionality, including security features, load balancing, and remembering your privacy preferences. These cookies cannot be disabled without affecting the core operation of our website.

Performance cookies collect anonymous information about how visitors use our website, such as which pages are most popular and how long users spend on each page. This data helps us identify areas for improvement and optimise the user experience.

Functional cookies remember your choices and preferences, such as language settings, login status, and personalised content preferences. These cookies make your interactions with our website more efficient and tailored to your needs.

Marketing cookies may be used to track your browsing habits across websites to deliver more relevant advertising and measure the effectiveness of our marketing campaigns. These cookies are only placed with your explicit consent and can be managed through your browser settings.

You can control cookie settings through your browser preferences, including blocking all cookies, accepting only certain types, or receiving notifications before cookies are placed. However, disabling certain cookies may limit your ability to use some features of our website.

8. International Data Transfers

While claroventhis primarily operates within the United Kingdom, some of our service providers and technology partners may be located in other countries, which may result in your personal information being transferred outside the UK and European Economic Area (EEA).

When we transfer personal information to countries that do not have adequate data protection laws according to UK standards, we implement appropriate safeguards to ensure your information remains protected. These safeguards include using standard contractual clauses approved by UK authorities and working only with certified service providers.

All international transfers are conducted in accordance with UK data protection law requirements, including obtaining necessary approvals and implementing technical and organisational measures to protect transferred data. We regularly review and update our transfer mechanisms to ensure ongoing compliance.

You have the right to request information about any international transfers of your personal data, including details about the safeguards in place and the countries involved. We will provide this information as part of our transparency obligations and your data subject rights.

9. Children's Privacy

claroventhis's services are designed for adults aged 18 and over. We do not knowingly collect, use, or share personal information from individuals under the age of 18 without appropriate parental consent and additional safeguards as required by UK law.

If we become aware that we have collected personal information from someone under 18 without proper consent, we will take immediate steps to delete that information from our systems and prevent further collection. We encourage parents and guardians to monitor their children's online activities and educate them about sharing personal information online.

For any educational services that may be appropriate for individuals under 18, we implement additional privacy protections including parental consent mechanisms, limited data collection, enhanced security measures, and clear information about how young people's data is handled differently from adult users.

10. Changes to This Privacy Policy

This privacy policy may be updated periodically to reflect changes in our practices, services, legal requirements, or technological developments. We are committed to keeping you informed about how we protect and use your personal information.

When we make significant changes to this policy, we will notify you through email, website announcements, or other appropriate communication methods. We will also update the "Last Updated" date at the beginning of this policy to indicate when changes were made.

We encourage you to review this privacy policy regularly to stay informed about our data practices. Your continued use of our services after policy changes indicates your acceptance of the updated terms, though we will always respect any enhanced rights you may have under applicable law.

For material changes that significantly affect how we use your personal information, we may seek your explicit consent or provide additional notice periods to allow you to exercise your rights before the changes take effect.

Privacy Policy