Effective Date: January 1, 2025
Financial Education Academy ("we," "us," "our," or "FinEdu Academy") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website https://myrealchange.org and purchase our financial education products and services.
By accessing or using our website and services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access or use our services.
We collect personal information that you voluntarily provide to us when you:
The personal information we collect may include:
When you visit our website, we automatically collect certain information about your device and browsing behavior, including:
We use cookies, web beacons, pixels, and similar tracking technologies to collect information about your interactions with our website. Cookies are small data files stored on your device that help us improve your user experience and understand website usage patterns.
Types of cookies we use:
You can control cookie preferences through your browser settings, but disabling certain cookies may limit website functionality.
We use the collected information for the following purposes:
For users in the European Economic Area (EEA), we process personal information based on the following legal grounds:
We do not sell, rent, or trade your personal information to third parties. We may share your information in the following circumstances:
We engage trusted third-party service providers to perform functions on our behalf, including:
These service providers have access to your personal information only to perform specific tasks on our behalf and are obligated to protect your information and use it only for authorized purposes.
If we are involved in a merger, acquisition, asset sale, or bankruptcy proceeding, your personal information may be transferred as part of that transaction. We will notify you of any such change and the choices you may have regarding your information.
We may disclose your information if required by law, court order, or governmental regulation, or if we believe disclosure is necessary to:
We may share your information with third parties when you explicitly consent to such sharing.
We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:
However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your account credentials.
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Factors influencing retention periods include:
When personal information is no longer needed, we will securely delete or anonymize it in accordance with applicable data protection laws.
Depending on your location, you may have the following rights regarding your personal information:
You have the right to request access to the personal information we hold about you and receive a copy in a structured, commonly used, and machine-readable format.
You may request correction of inaccurate or incomplete personal information.
You have the right to request deletion of your personal information, subject to certain legal exceptions (e.g., compliance with legal obligations, completion of transactions).
You may object to or request restriction of certain processing activities, particularly for direct marketing purposes.
Where processing is based on consent, you may withdraw your consent at any time without affecting the lawfulness of processing before withdrawal.
You can opt out of receiving marketing emails by clicking the "unsubscribe" link in our emails or by contacting us directly. Note that you will continue to receive transactional and administrative communications.
You can manage cookie preferences through your browser settings or our cookie consent tool. Refer to your browser's help documentation for specific instructions.
To exercise any of these rights, please contact us using the information provided in Section 12 below. We will respond to your request within the timeframes required by applicable law (typically 30 days).
Our business operates globally, and your personal information may be transferred to, stored, or processed in countries outside your country of residence, including South Africa and other jurisdictions where our service providers operate. These countries may have data protection laws different from those in your country.
When we transfer personal information internationally, we implement appropriate safeguards to protect your information, including:
Our website may contain links to third-party websites, services, or applications not operated by us. This Privacy Policy does not apply to those third-party services. We are not responsible for the privacy practices of third parties, and we encourage you to review their privacy policies before providing any personal information.
Third-party services integrated into our website include:
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately. If we become aware that we have collected personal information from a child without parental consent, we will take steps to delete that information promptly.
We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or business operations. The updated policy will be posted on this page with a revised "Effective Date." We encourage you to review this Privacy Policy periodically.
For material changes that significantly affect your rights, we will provide prominent notice through:
Your continued use of our services after the effective date of changes constitutes acceptance of the updated Privacy Policy.
If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
Financial Education Academy
6688 Joubert Field
Renéchester, EC 9428
South Africa
Email: [email protected]
Phone: +22944005878
Registration Number: 05489933
We will respond to your inquiry within a reasonable timeframe, typically within 30 days of receipt.
If you are located in the EEA, you have additional rights under the General Data Protection Regulation (GDPR), including the right to lodge a complaint with your local data protection authority if you believe we have violated your privacy rights.
California residents have specific rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to deletion, and the right to opt out of the sale of personal information. We do not sell personal information as defined by the CCPA.
As a South African company, we comply with the Protection of Personal Information Act (POPIA). You have rights to access, correct, and delete your personal information under South African law.
Last Updated: January 1, 2025