Privacy Policy

Information We Collect

Personal Information You Provide

When you sign up for our learning programs or contact us, we collect information you voluntarily share. This typically includes your name, email address, phone number, and postal address. If you're enrolling in a course, we might also need to know your educational background and current investment experience level to tailor the content appropriately.

We collect payment details when you register for paid courses. However, we don't store complete credit card numbers on our systems - that's handled by our payment processor, who maintains PCI DSS compliance standards.

Information Collected Automatically

Like most websites, ours gathers certain data automatically when you visit. This includes your IP address, browser type, device information, and pages you view. We use this to understand how people navigate our site and which content resonates most with visitors.

We use cookies and similar technologies to remember your preferences and improve your experience. Some cookies are essential for the site to function, while others help us analyze traffic patterns. You can control cookie settings through your browser, though disabling certain cookies might affect site functionality.

Information from Third Parties

Sometimes we receive information about you from other sources. For example, if you connect through a social media platform or if you're referred by another organization we partner with. We combine this with information you've provided directly to give you a better experience.

How We Use Your Information

We use your personal data for several purposes, all aimed at providing you with quality investment education:

• Course delivery: To enroll you in programs, send course materials, and communicate about upcoming sessions scheduled for autumn 2025 and beyond.
• Communication: To respond to your inquiries, send important updates about courses you've enrolled in, and share relevant educational content.
• Service improvement: To analyze how people use our website and courses, helping us create better educational content.
• Legal compliance: To meet our obligations under Irish and EU law, including maintaining records as required by financial services regulations.
• Marketing: With your consent, to send you information about new courses, resources, and educational opportunities that might interest you.

Legal Basis for Processing

Under GDPR, we need a lawful basis to process your personal data. We rely on several grounds depending on the situation:

• Contract performance: When you enroll in a course, we need your information to deliver that service.
• Consent: For marketing communications and optional features, we ask for your explicit permission.
• Legitimate interests: We may process data for purposes like fraud prevention, network security, and improving our services - but only when this doesn't override your rights.
• Legal obligations: Sometimes Irish law requires us to retain certain records or report specific information.

Sharing Your Information

We share your personal data only when necessary and always with appropriate safeguards in place.

Service Providers

We work with carefully selected third parties who help us operate our business. This includes email service providers, payment processors, website hosting companies, and educational platform providers. These companies can only use your data to perform services on our behalf and are contractually bound to protect it.

Business Transfers

If Qyoar Yvoux merges with another company or is acquired, your information would be transferred to the new entity. We'd notify you before this happens and explain any choices you have.

Legal Requirements

We may disclose your information if required by law, court order, or government regulation. We might also share data when necessary to protect our rights, your safety, or the safety of others.

Your Rights Under Irish and EU Law

The GDPR gives you significant control over your personal information. Here's what you can do:

• Access: Request a copy of the personal data we hold about you. We'll provide this within one month.
• Correction: Ask us to correct any inaccurate or incomplete information.
• Deletion: Request that we delete your data in certain circumstances, such as when it's no longer needed or if you withdraw consent.
• Restriction: Ask us to limit how we use your data while we resolve a dispute or verify accuracy.
• Portability: Receive your data in a structured, commonly used format that you can transfer to another service.
• Object: Oppose processing based on legitimate interests or for direct marketing purposes.
• Withdraw consent: If we're processing data based on your consent, you can withdraw it anytime.

To exercise any of these rights, contact us using the details at the end of this policy. We'll respond within one month, though complex requests might take up to three months - we'll let you know if that's the case.

Data Security

We take reasonable measures to protect your information from unauthorized access, alteration, or destruction. Our security practices include:

• Encryption of data in transit using SSL/TLS protocols
• Regular security assessments and updates to our systems
• Limited access to personal data on a need-to-know basis
• Staff training on data protection and security practices
• Secure backup procedures with encrypted storage

That said, no method of transmission over the internet is completely secure. While we strive to protect your data, we can't guarantee absolute security. You should take your own precautions too - use strong passwords, don't share login credentials, and be cautious about what information you share online.

Data Retention

We keep your personal information only as long as necessary for the purposes we collected it. Retention periods vary depending on the type of data and why we have it:

When we no longer need your data, we securely delete or anonymize it. Some information may be retained longer if required by law or for legitimate business purposes like defending legal claims.

International Data Transfers

Your data is primarily stored and processed within the European Economic Area. However, some of our service providers operate in countries outside the EEA, including the United States.

When we transfer data internationally, we ensure appropriate safeguards are in place. This might include Standard Contractual Clauses approved by the European Commission, or transferring data to countries with an adequacy decision recognizing their data protection standards as equivalent to the EU's.

You can contact us for more information about the specific safeguards we use for international transfers.

Children's Privacy

Our services are designed for adults interested in investment education. We don't knowingly collect personal information from anyone under 16 years old. If you're under 16, please don't provide us with any personal data.

If we discover we've inadvertently collected information from someone under 16, we'll delete it promptly. Parents or guardians who believe we may have such information should contact us immediately.

Marketing Communications

We'll only send you marketing emails if you've given us permission. These might include information about new courses starting in late 2025 and 2026, educational resources, or investment awareness content we think you'll find valuable.

You can unsubscribe from marketing emails anytime by clicking the unsubscribe link at the bottom of any message, or by contacting us directly. Even if you opt out of marketing, we'll still send essential communications about courses you've enrolled in or services you're using.

Changes to This Policy

We review and update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our website.

The date at the top of this policy shows when it was last revised. We encourage you to check back occasionally to stay informed about how we're protecting your information.