Privacy Policy — HorizonCrest Finance Lab
HorizonCrest Finance Lab (“HorizonCrest”, “we”, “us”) operates horizoncrest.bond and provides e-learning courses in personal finance. This Privacy Policy explains what personal data we collect, how we use and share it, and your choices.
1. Data we collect
- Account data: name, email, password hash, settings (e.g., theme preference).
- Transaction data: course purchases and access records. We do not store full payment card details.
- Learning activity: progress, timestamps, quiz results, certificates issued.
- Communications: messages you send us via forms or email.
- Technical data: IP address, device type, browser, pages visited, cookies and localStorage identifiers.
2. How we use data
- Provide and improve our services, including course delivery and support.
- Process transactions and maintain records required for accounting and compliance.
- Personalize the experience (e.g., saved filters, theme settings).
- Detect, prevent, and investigate security incidents and abuse.
- Send service-related communications. You can opt out of non-essential messages.
3. Legal bases
We process personal data on the basis of contract performance, legitimate interests (such as service improvement and security), and consent where required by law.
4. Sharing
We may share limited data with service providers who support hosting, analytics, email delivery, and payments. These providers are bound by contractual obligations to protect your data. We may also share data when required by law or to protect rights and safety.
5. Cookies and localStorage
We use cookies and localStorage to remember preferences (e.g., theme, cookie consent) and to support essential features (e.g., cart, fallows). You can control cookies in your browser settings.
6. Data retention
We retain personal data for as long as needed to provide services and meet legal obligations. We also retain aggregate or anonymized data for analytics.
7. Security
We use reasonable administrative, technical, and organizational measures to protect data. No method of transmission or storage is completely secure.
8. Your rights
Depending on your location, you may have rights to access, correct, delete, or port your data and to object to or restrict certain processing. Contact us to exercise these rights.
9. Children
Our services are not directed to children under 13 (or the relevant minimum age in your jurisdiction). We do not knowingly collect personal data from children.
10. International transfers
We may transfer data to countries with different data protection laws. Where required, we implement appropriate safeguards.
11. Changes
We may update this Policy. Material changes will be highlighted on this page with a new effective date.
12. Contact
Questions about privacy? Email [email protected] or call +1 (415) 555-0182.