Privacy Policy

Information We Collect

When you use our services, we gather different types of information to provide you with educational resources and support your learning journey.

Information You Provide Directly

• Contact details when you reach out or register for programs (name, email, phone number)
• Educational background and professional interests shared during enrollment
• Payment information processed through secure third-party providers
• Communication preferences and feedback you share with us

Information Collected Automatically

Our website collects technical data to improve your experience. This includes your IP address, browser type, device information, and pages you visit. We use standard web technologies like cookies to remember your preferences and analyze site performance.

How We Use Your Information

We don't sell your data. Everything we collect serves specific purposes related to delivering educational services and maintaining our platform.

• Processing enrollments and managing your participation in learning programs
• Sending course updates, schedules, and educational materials you've requested
• Responding to your inquiries and providing customer support
• Improving our curriculum based on aggregated learning patterns
• Maintaining website security and preventing fraudulent activity
• Meeting legal obligations under Taiwan financial education regulations

Data Sharing and Third Parties

We work with carefully selected partners to operate our educational platform. Here's who might access your information and why.

Service Providers

Third-party companies help us with specific functions like payment processing, email delivery, and website hosting. These providers can only use your data for the services they perform on our behalf. They're contractually required to keep your information secure.

Legal Requirements

We may disclose information when required by Taiwan law, court orders, or government requests. This could happen in cases involving legal proceedings, regulatory compliance, or protecting rights and safety.

Business Transfers

If Reflective Cog undergoes a merger, acquisition, or asset sale, your personal data might be transferred. We'd notify you before your information becomes subject to different privacy terms.

Your Rights Under Taiwan Law

Taiwan's Personal Data Protection Act gives you specific rights regarding your personal information. You can exercise these rights by contacting us using the details at the end of this policy.

• Access: Request a copy of the personal data we hold about you
• Correction: Ask us to update inaccurate or incomplete information
• Deletion: Request removal of your data when it's no longer needed
• Processing Restriction: Limit how we use your information in certain situations
• Data Portability: Receive your data in a structured, commonly used format
• Objection: Opt out of specific data processing activities

Data Security Measures

Protecting your information is something we take seriously. We implement multiple layers of security to safeguard data from unauthorized access, alteration, or destruction.

Technical Safeguards

• SSL/TLS encryption for data transmission across our website
• Secure servers with regular security updates and patches
• Firewalls and intrusion detection systems monitoring network traffic
• Regular security audits and vulnerability assessments

Organizational Measures

Access to personal data is restricted to employees who need it for their work. Staff members receive privacy training and are bound by confidentiality agreements. We maintain detailed logs of who accesses what information and when.

Despite our efforts, no internet transmission is completely secure. While we strive to protect your data, we can't guarantee absolute security. You're responsible for keeping your account credentials confidential.

Data Retention and Deletion

We don't keep your information longer than necessary. Retention periods depend on the type of data and why we collected it.

Standard Retention Periods

• Account information: Retained while your account is active plus 2 years
• Course enrollment records: Kept for 5 years to maintain educational transcripts
• Payment records: Stored for 7 years as required by Taiwan tax law
• Marketing communications: Until you unsubscribe or request deletion
• Technical logs: Typically deleted after 12 months

When retention periods expire, we securely delete or anonymize your data. Some information might be retained longer if required by legal obligations or legitimate business interests (like resolving disputes or enforcing agreements).

Cookies and Tracking Technologies

Our website uses cookies and similar technologies. These small files help us remember your preferences and understand how people use our site.

Types of Cookies We Use

• Essential cookies that enable basic site functionality
• Performance cookies that help us analyze site usage
• Functional cookies that remember your preferences

You can control cookies through your browser settings. Blocking certain cookies might affect site functionality. Most browsers let you see what cookies are stored and delete them individually or entirely.

International Data Transfers

While we primarily operate in Taiwan, some of our service providers may process data outside Taiwan. When this happens, we ensure appropriate safeguards are in place to protect your information according to Taiwan's data protection standards.

These safeguards include using providers certified under recognized data protection frameworks and implementing standard contractual clauses approved by Taiwan authorities.

Children's Privacy

Our services are designed for adults interested in financial analysis education. We don't knowingly collect information from individuals under 18. If you're a parent who believes we've collected data from your child, please contact us immediately so we can delete it.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. The "Last Updated" date at the top shows when we last revised it.

Significant changes will be communicated through email or a prominent notice on our website. We encourage you to review this policy periodically. Continued use of our services after changes means you accept the updated terms.