Privacy Policy

1. Introduction

Welcome to Panilye.com. We respect your privacy and are committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or participate in our 3-day personal finance training program.

Please read this Privacy Policy carefully. If you do not agree with the terms of this Privacy Policy, please do not access the site or participate in our training program.

2. Information We Collect

We collect information that you provide directly to us when registering for our training program, creating an account, or communicating with us:

• Personal Identification Information: Name, email address, phone number, and billing information.
• Account Information: Login credentials and user preferences.
• Financial Information: During the training, you may voluntarily share information about your financial habits and personal expenses for educational purposes.
• Automatically Collected Information: When you access our website, we may automatically collect certain information about your device, including IP address, browser type, referring/exit pages, operating system, date/time stamps, and clickstream data.
• Cookies and Similar Technologies: We use cookies and similar tracking technologies to track activity on our website and hold certain information to improve user experience.

3. How We Use Your Information

We use the information we collect for various purposes, including to:

• Provide, maintain, and improve our services
• Process transactions and send related information
• Send administrative information, such as updates, security alerts, and support messages
• Respond to comments, questions, and requests
• Personalize your experience and deliver content relevant to your interests
• Monitor and analyze trends, usage, and activities in connection with our services
• Detect, investigate, and prevent fraudulent transactions and other illegal activities
• Comply with legal obligations

4. Legal Basis for Processing (GDPR Compliance)

If you are from the European Economic Area (EEA), our legal basis for collecting and using your personal information depends on the specific information concerned and the context in which we collect it. We generally only process your data when:

• We need to perform a contract with you
• You have given us consent to do so
• The processing is in our legitimate interests and not overridden by your rights
• We need to comply with legal obligations

5. Data Retention

We will retain your personal information only 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. When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize it.

6. Data Security

We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process. However, please also remember that we cannot guarantee that the internet itself is 100% secure. Although we will do our best to protect your personal information, transmission of personal information to and from our website is at your own risk.

7. Your Data Protection Rights

Depending on your location, you may have the following data protection rights:

• Access: You can request copies of your personal data.
• Rectification: You can request that we correct inaccurate or complete incomplete data.
• Erasure: You can request that we erase your personal data.
• Restriction of processing: You can request that we restrict the processing of your data.
• Data portability: You can request the transfer of your data to another party.
• Objection: You can object to our processing of your personal data.
• Withdraw consent: You can withdraw consent where we are relying on consent to process your personal data.

We may ask you to verify your identity before responding to such requests. You also have the right to complain to a Data Protection Authority about our collection and use of your personal data.

8. Cookies Policy

Our website uses cookies to enhance your browsing experience. Cookies are small text files that are placed on your computer or mobile device when you visit a website. They allow the website to recognize your device and remember if you've been to the website before.

You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of this website may become inaccessible or not function properly.

9. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes.

10. Third-Party Services

Our website may contain links to third-party websites or services that are not owned or controlled by Panilye.com. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. We strongly advise you to read the privacy policy of every website you visit.

11. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information.