Introduction

Welcome to CleverHubNova. We understand that your privacy is important, and we're committed to protecting your personal information. This privacy policy explains how we collect, use, and safeguard your data when you visit our website or use our financial education services.

CleverHubNova operates as an educational platform focused on business finance basics, serving learners primarily in the Philippines market. We believe transparency about our data practices helps build the trust necessary for effective learning relationships.

Information We Collect

The information we gather helps us understand our learners better and improve our educational content. We collect different types of information depending on how you interact with our platform.

How We Use Your Information

Your information serves several important purposes that directly benefit your learning experience. We use this data responsibly and only for legitimate educational purposes.

• Delivering course content and tracking your progress through our financial education programs
• Sending you updates about new courses, educational resources, and platform improvements
• Providing technical support when you encounter difficulties with our platform
• Analyzing website usage patterns to improve our user interface and learning materials
• Customizing course recommendations based on your interests and learning history
• Maintaining security and preventing fraudulent activities on our platform

We never use your personal information for purposes unrelated to education or without your knowledge. Our goal is always to enhance your learning experience while respecting your privacy preferences.

Data Sharing and Third Parties

We take a conservative approach to data sharing. Your personal information stays within our educational ecosystem, and we only share data when absolutely necessary for providing our services or as required by law.

We may share limited information with:

• Educational content providers who help create our course materials, under strict confidentiality agreements
• Technology service providers who maintain our website infrastructure and learning management systems
• Payment processors when you enroll in paid courses, following industry-standard security protocols
• Legal authorities if required by Philippine law or to protect the rights and safety of our community

Your Privacy Rights

Under Philippine data protection laws and our commitment to privacy, you have several important rights regarding your personal information. We make exercising these rights straightforward and free of charge.

To exercise any of these rights, simply contact us using the information provided at the end of this policy. We typically respond to privacy requests within 30 days and never charge fees for legitimate requests.

Data Security and Retention

Protecting your information is a top priority. We use industry-standard security measures including encrypted data transmission, secure servers, and regular security audits to prevent unauthorized access to your personal information.

We keep your information only as long as necessary to provide our educational services and comply with legal requirements. Generally, this means:

• Active account information is maintained while you use our services and for up to two years after your last login
• Course completion records are kept for seven years to verify your educational achievements
• Financial transaction records are retained for ten years as required by Philippine business law
• Communication records are kept for three years to provide ongoing support and resolve any disputes

When we no longer need your information, we securely delete it from our systems. You can request early deletion of your data, though this may affect our ability to provide certain services or verify your educational progress.

Cookies and Tracking

Our website uses cookies and similar technologies to improve your learning experience and understand how people use our platform. Most of these are essential for the website to function properly.

We use different types of cookies:

• Essential cookies that keep you logged in and remember your course progress
• Analytics cookies that help us understand which courses are most popular and how to improve our content
• Preference cookies that remember your language settings and display preferences
• Security cookies that protect against fraudulent activity and unauthorized access

You can control cookie settings through your browser, though disabling certain cookies may affect how our educational platform works for you. We don't use cookies for advertising or tracking you across other websites.

Updates to This Policy

As we grow and improve our educational services, we may need to update this privacy policy. We'll notify you of any significant changes through email or a prominent notice on our website.

Minor updates, such as clarifying existing practices or updating contact information, may be made without individual notification. We encourage you to review this policy periodically to stay informed about how we protect your privacy.

All policy changes take effect 30 days after we post them, giving you time to review the updates and contact us with any concerns. Your continued use of our services after the effective date means you accept the updated policy.