PRIVACY NOTICE

FinCredit Privacy Policy

Effective Date: 01/01/2026
Last Updated: 04/01/2026

1. Introduction

FinCredit (“FinCredit,” “we,” “our,” or “us”) is committed to protecting the privacy and security of our users, including students, participants, educators, and organizations.

This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our platform, website, and services (“Platform”).

2. Information We Collect

We collect the following types of information:

A. Personal Information

• Name
• Email address
• Username and login credentials
• Organization or school affiliation
• Age or date of birth (for eligibility purposes)

B. Educational & Usage Data

• Course progress and completion
• Quiz and assessment results
• Financial literacy activity interactions
• Learning behavior and engagement metrics

C. Device & Technical Information

• IP address
• Browser type and device information
• Operating system
• Log data and usage analytics

D. Information from Organizations

If you are enrolled through a school or organization, we may receive:

• Rosters (names, emails, IDs)
• Program participation data
• Instructor or administrator input

3. How We Use Your Information

We use collected information to:

• Provide and improve the Platform
• Deliver financial education content
• Track progress and performance
• Communicate with users and organizations
• Personalize learning experiences
• Provide AI-powered assistance
• Ensure platform security and prevent misuse
• Comply with legal obligations

4. How We Share Information

We do not sell personal data.

We may share information in the following cases:

A. With Organizations

If you are part of a school or program:

• Administrators may access progress, performance, and participation data

B. Service Providers

We may share data with trusted third parties that help us operate the Platform (e.g., hosting, analytics, support services).

C. Legal Requirements

We may disclose information if required to:

• Comply with laws or regulations
• Respond to legal requests
• Protect rights, safety, or security

D. Business Transfers

In the event of a merger, acquisition, or sale, user data may be transferred as part of the business.

5. Children’s Privacy (COPPA Considerations)

FinCredit may be used by individuals under 18 through schools and organizations.

• We do not knowingly collect personal information from children under 13 without appropriate consent
• Schools and organizations are responsible for obtaining parental or guardian consent where required
• If we learn that data has been collected without proper consent, we will delete it promptly

6. Student Data & Educational Privacy (FERPA Considerations)

For educational institutions:

• FinCredit acts as a “school official” with legitimate educational interest
• We only use student data for educational purposes
• We do not use student data for advertising
• Schools retain ownership of student education records

7. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your data, including:

• Encryption where appropriate
• Secure servers and infrastructure
• Access controls and authentication measures

However, no system is 100% secure.

8. Data Retention

We retain information only as long as necessary to:

• Provide services
• Comply with legal obligations
• Support organizational reporting

Organizations may request deletion of their data.

9. Your Rights & Choices

Depending on your role and location, you may have the right to:

• Access your personal information
• Request corrections
• Request deletion
• Restrict or object to certain processing

For student users, requests may need to go through the school or organization.

10. Cookies & Tracking Technologies

We may use cookies and similar technologies to:

• Improve user experience
• Analyze platform usage
• Maintain session functionality

You can manage cookie preferences through your browser settings.

11. Third-Party Services

FinCredit may integrate with or link to third-party services. We are not responsible for their privacy practices.

12. AI & Automated Features

FinCredit may use AI-powered tools to assist users.

• AI interactions may be logged to improve performance
• AI responses are generated automatically and may not always be accurate
• AI is used strictly for educational support—not decision-making

13. Changes to This Policy

We may update this Privacy Policy periodically.

We will notify users of significant changes by:

• Posting updates on our Platform
• Updating the “Last Updated” date

14. Contact Us

If you have questions about this Privacy Policy:

FinCredit Support
Email: info@fincreditworkshop.com
Website: https:chozn.org

15. Your Acceptance

By using FinCredit, you agree to this Privacy Policy.