Who We Are and What This Covers

Krylo Pvize operates as an educational platform focused on investment fundamentals. When we say "we," "us," or "our," we mean Krylo Pvize and any subsidiaries operating under our name. This policy covers all interactions you have with our website, courses, email communications, and any other services we provide.

We operate from Belgium, which means we follow European data protection standards. Even if you're accessing our services from elsewhere, these protections apply to you.

Information We Collect

Let's be straight about what we gather and why. We only collect what we actually need to provide our services.

Information You Give Us Directly

• Your name and email address when you sign up for courses or newsletters
• Payment information when you purchase educational materials (processed through secure third-party providers)
• Questions and feedback you submit through contact forms
• Course progress and quiz results to track your learning journey
• Profile preferences like notification settings and content interests

Information We Collect Automatically

When you visit our site, we gather some technical data to keep things running smoothly:

• IP address and general location (city level, not your exact address)
• Browser type and device information
• Pages you visit and how long you spend on them
• Referring websites and search terms that brought you here
• Technical errors or issues you encounter

How We Use Your Information

Everything we collect serves a specific purpose. Here's what we do with your data:

We don't sell your data. Never have, never will. That's not our business model, and frankly, it shouldn't be anyone's.

Sharing Your Information

We keep your data close, but sometimes we need to work with other companies to provide our services. Here's who might see your information:

Service Providers We Trust

• Payment processors who handle transactions securely (they only get what they need)
• Email service providers who help us send course materials and updates
• Hosting companies that keep our platform running
• Analytics tools that show us how people use our site (anonymized where possible)

All these partners are bound by strict confidentiality agreements. They can only use your data to provide services to us, not for their own purposes.

Legal Requirements

Sometimes we're legally required to share information with authorities. This only happens when there's a valid legal request or we need to protect someone's safety. We'll always review requests carefully and push back on overly broad demands.

Your Rights Under GDPR

European privacy law gives you strong rights over your personal data. Here's what you can do and how to do it:

How to Exercise These Rights

1. Send an email to [email protected] with your request and account details
2. We'll verify your identity (usually by confirming your registered email address)
3. We'll process your request within 30 days and keep you updated
4. If we can't fulfill your request for legal reasons, we'll explain why

You also have the right to lodge a complaint with Belgium's Data Protection Authority if you're unhappy with how we've handled your data.

Data Security

We take security seriously because your trust matters. Here's what we do to protect your information:

• All data transmission uses encryption (TLS 1.2 or higher)
• Passwords are hashed and salted, never stored in plain text
• Access to personal data is restricted to employees who need it for their work
• Regular security audits and updates to address vulnerabilities
• Secure backup systems with encryption at rest
• Monitoring for suspicious activity and unauthorized access attempts

How Long We Keep Your Data

We don't hold onto data longer than necessary. Different types of information have different retention periods:

• Active accounts: We keep your data as long as your account is active and you're using our services
• Closed accounts: Deleted within 90 days unless you've requested immediate deletion
• Financial records: Retained for seven years to comply with Belgian tax and accounting laws
• Course completion certificates: Kept indefinitely as proof of your educational achievements
• Marketing communications: Removed immediately when you unsubscribe
• Support tickets: Kept for two years to help resolve recurring issues

Cookies and Tracking Technologies

We use cookies, but not to follow you around the internet. Here's what we actually use them for:

Essential Cookies

These keep the site working properly. They remember you're logged in, store your course progress, and maintain your preferences. You can't opt out of these without breaking the site.

Analytics Cookies

These help us understand which pages are useful and where people get confused. We use aggregated data, not individual tracking. You can disable these in your browser settings if you prefer.

What We Don't Use

No advertising cookies. No social media tracking pixels. No third-party behavioral profiling. We're here to teach investment fundamentals, not sell your attention to advertisers.

International Data Transfers

We're based in Belgium, but the internet doesn't respect borders. Some of our service providers operate servers outside the European Economic Area. When we transfer data internationally, we ensure adequate protections:

• Standard contractual clauses approved by the European Commission
• Adequacy decisions confirming the destination country has strong privacy laws
• Additional safeguards like encryption and access controls

Most of our infrastructure stays within Europe, but some backup systems and support tools may involve international transfers with these protections in place.

Children's Privacy

Our services are designed for adults making investment education decisions. We don't knowingly collect information from anyone under 16. If you're a parent and believe your child has provided us with personal data, contact us immediately and we'll delete it.

Changes to This Policy

We'll update this policy occasionally as our practices evolve or laws change. When we make significant changes, we'll notify you by email and post a notice on our website. The "Last Updated" date at the top shows when the current version took effect.

Continuing to use our services after changes means you accept the updated policy. If you don't agree with changes, you can close your account and request data deletion.

Belgium-Specific Information

As a Belgian company, we comply with all local data protection requirements:

• We're registered with Belgium's Data Protection Authority
• Belgian residents can file complaints with the APD (Autorité de Protection des Données)
• We follow Belgian court jurisdiction for data protection disputes
• Financial data retention follows Belgian accounting and tax law requirements