Privacy Policy

Introduction

Welcome to kerthanoagency, your trusted partner in financial education and valuation techniques. We understand that your privacy is crucial when you're learning about financial analysis and developing your professional skills. This comprehensive privacy policy explains how we collect, use, protect, and manage your personal information when you use our educational platform and services.

kerthanoagency operates as a specialized educational platform focused on valuation techniques for financial analysts. We're committed to maintaining the highest standards of data protection while providing you with exceptional learning experiences. This policy applies to all users accessing our services from South Africa and internationally.

Information We Collect

Personal Information

When you register for our financial education courses or create an account, we collect specific information necessary to provide our services effectively. This includes your name, email address, phone number, and professional background details relevant to your financial education journey.

• Full name and preferred display name for course certificates
• Email address for course communications and account management
• Phone number for important course updates and support
• Professional background and experience level in financial analysis
• Educational background and certifications in finance or related fields
• Company information and job title for personalized learning paths

Usage Information

We automatically collect information about how you interact with our platform to improve your learning experience and optimize our educational content. This data helps us understand which valuation techniques are most challenging and where additional support might be needed.

• Course progress and completion rates for different modules
• Time spent on specific valuation exercises and case studies
• Quiz scores and assessment results for progress tracking
• Device information including browser type and operating system
• IP address and general location data for security purposes
• Login patterns and session duration for account security

Technical Information

To ensure our platform works smoothly across different devices and browsers, we collect technical information about your system. This helps us maintain compatibility and troubleshoot any issues you might encounter during your learning journey.

How We Use Your Information

Your information serves specific purposes related to delivering high-quality financial education and maintaining our platform's security and effectiveness. We never use your data for purposes unrelated to your educational experience or our legitimate business operations.

Educational Services

We use your information primarily to deliver personalized financial education experiences tailored to your professional development needs. This includes customizing course content based on your experience level and tracking your progress through complex valuation techniques.

• Personalizing course recommendations based on your professional background
• Tracking progress through DCF modeling and comparable company analysis
• Providing targeted feedback on valuation exercises and case studies
• Generating completion certificates with your verified information
• Sending course updates and new content notifications
• Offering technical support and answering questions about course material

Platform Improvement

We analyze usage patterns and feedback to continuously improve our educational platform. This analysis helps us identify which teaching methods are most effective and where we can enhance the learning experience for financial professionals.

• Analyzing which valuation topics require additional explanations
• Identifying common challenges in financial modeling exercises
• Optimizing course structure based on completion patterns
• Developing new content areas based on user interests
• Improving platform performance and user interface design

Communication

We maintain communication with our users to provide important updates, educational content, and support. Our communications focus on enhancing your learning experience and keeping you informed about relevant developments in financial analysis.

Data Sharing and Third Parties

We maintain strict control over your personal information and only share data with trusted partners who help us deliver our educational services. We never sell your information to third parties or use it for purposes unrelated to your educational experience.

Service Providers

We work with carefully selected service providers who help us maintain and improve our platform. These providers are contractually bound to protect your information and can only use it for the specific services they provide to us.

• Cloud hosting providers for secure data storage and platform reliability
• Email service providers for course communications and notifications
• Analytics providers for understanding platform usage and improvements
• Payment processors for handling course fees and subscription payments
• Customer support tools for providing timely assistance

Legal Requirements

In certain circumstances, we may be required to disclose your information to comply with legal obligations, protect our rights, or ensure the safety of our users. We will always notify you of such disclosures unless prohibited by law.

• Compliance with court orders and legal processes
• Protection against fraud and unauthorized access
• Cooperation with law enforcement when required
• Enforcement of our terms of service and user agreements

Business Transfers

In the event of a merger, acquisition, or sale of kerthanoagency's assets, your information may be transferred to the new entity. We will notify you of any such changes and ensure that your privacy rights continue to be protected under the same standards.

Your Privacy Rights

You have significant control over your personal information and how it's used on our platform. We've designed our systems to make it easy for you to access, modify, and control your data according to your preferences and applicable privacy laws.

How to Exercise Your Rights

To exercise any of these rights, you can contact us directly through the information provided below. We'll respond to your request within 30 days and verify your identity to ensure the security of your personal information.

For most requests, you can manage your preferences directly through your account settings. For more complex requests or if you need assistance, our privacy team is available to help you navigate these options.

Data Security

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our security practices follow industry standards and are regularly updated to address emerging threats.

Technical Safeguards

Our technical infrastructure is designed with multiple layers of protection to ensure your data remains secure throughout your learning journey with us.

• SSL encryption for all data transmission between your device and our servers
• Regular security audits and vulnerability assessments
• Secure data centers with 24/7 monitoring and access controls
• Automated backup systems with encrypted storage
• Multi-factor authentication options for account protection
• Regular software updates and security patches

Organizational Safeguards

Beyond technical measures, we maintain strict organizational policies to ensure that only authorized personnel have access to your information, and only when necessary for providing our services.

• Employee training on data protection and privacy practices
• Access controls limiting data access to authorized personnel only
• Regular privacy impact assessments for new features and services
• Incident response procedures for addressing security breaches
• Third-party agreements requiring equivalent security standards

Data Breach Response

In the unlikely event of a data breach, we have established procedures to respond quickly and effectively. We will notify affected users and relevant authorities within 72 hours of discovering any breach that may pose a risk to your privacy or security.

Data Retention

We retain your personal information only for as long as necessary to provide our educational services, comply with legal obligations, and maintain the security of our platform. Different types of information are retained for different periods based on their purpose and legal requirements.

Account Information

Your account information and course progress are retained while your account is active and for a reasonable period after account closure to comply with legal obligations and resolve any disputes.

• Active account data: Retained throughout your membership
• Course completion records: Retained for 7 years for certification purposes
• Payment information: Retained for 7 years for tax and accounting purposes
• Support communications: Retained for 3 years for quality assurance
• Marketing preferences: Retained until you opt out or account closure

Usage Data

Platform usage data is retained for shorter periods, typically used for improving our services and ensuring platform security. This data is often anonymized after the initial retention period.

• Session logs: Retained for 30 days for security monitoring
• Analytics data: Retained for 2 years, then anonymized
• Error logs: Retained for 6 months for troubleshooting
• Performance metrics: Retained for 1 year for platform optimization

Deletion Procedures

When retention periods expire or when you request deletion of your account, we follow systematic procedures to ensure your data is properly removed from our systems while maintaining any legally required records.

Some information may be retained in anonymized form for statistical purposes or to improve our educational content, but this data cannot be used to identify you personally.

International Data Transfers

While kerthanoagency operates primarily in South Africa, we may transfer your data to trusted service providers in other countries to deliver our educational services effectively. We ensure that all international transfers meet appropriate security and privacy standards.

When we transfer your data internationally, we implement appropriate safeguards such as standard contractual clauses, adequacy decisions, or certification schemes to ensure your privacy rights are protected regardless of the location of data processing.

• Cloud storage providers with data centers in multiple jurisdictions
• Email service providers for course communications
• Analytics providers for platform improvement
• Payment processors for international transactions

We regularly review our international data transfer practices to ensure they comply with evolving privacy regulations and maintain the highest standards of data protection.

Children's Privacy

kerthanoagency's financial education platform is designed for adult professionals and individuals over 18 years of age. We do not knowingly collect personal information from children under 18, and our courses are not intended for minors.

If we discover that we have collected information from someone under 18, we will delete that information immediately and take steps to prevent future collection from underage users.

Parents or guardians who believe their child has provided information to us should contact us immediately so we can investigate and take appropriate action.

Updates to This Policy

We may update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we will notify you through your account email or by posting a notice on our platform.

We encourage you to review this policy regularly to stay informed about how we protect your information. The "Last Updated" date at the top of this policy indicates when the most recent changes were made.

Continued use of our services after policy updates constitutes acceptance of the revised terms. If you disagree with any changes, you may close your account and discontinue using our services.