Privacy Policy

At alcutura, we collect information that helps us provide better financial education services and improve your learning experience. We're transparent about what we gather and why we need it.

We never collect sensitive financial account information like bank account numbers or investment portfolio details. Our focus remains on educational content delivery and user experience improvement.

Your information serves specific purposes that directly benefit your learning experience. We don't use your data for unrelated marketing or sell it to third parties.

We implement multiple layers of security to protect your personal information. Our data protection measures meet industry standards and comply with applicable privacy regulations.

Your data is stored on secure servers located in the United States, with backup systems to ensure availability and integrity. We regularly update our security protocols to address emerging threats and maintain the confidentiality of your information.

While we take extensive precautions, no system is completely immune to security risks. We commit to promptly notifying affected users in the unlikely event of a data breach and will work diligently to resolve any security incidents.

We retain your information only as long as necessary to provide educational services and comply with legal requirements. Different types of data have different retention schedules.

After retention periods expire, we securely delete or anonymize your data. You can request early deletion of certain information by contacting our privacy team, subject to legal and operational requirements.

Under applicable privacy laws, you have several rights regarding your personal information. We've made it easy to exercise these rights through our user portal or by contacting our support team.

To exercise any of these rights, log into your account settings or email our privacy team. We'll respond within 30 days and may need to verify your identity to protect against unauthorized requests.

We work with carefully selected third-party providers to deliver our educational services effectively. These partners are contractually required to protect your information and use it only for specified purposes.

We regularly review our third-party relationships and ensure all partners maintain appropriate privacy and security standards. When selecting new service providers, data protection capabilities are a primary consideration.

Our educational platform is designed for adult learners and we do not knowingly collect personal information from children under 13 years of age. If we discover that we've inadvertently collected such information, we'll promptly delete it.

Parents or guardians who believe their child has provided personal information to us should contact our privacy team immediately. We'll investigate and take appropriate action to remove any unauthorized data.

For users aged 13-17, we recommend parental supervision when using our financial education resources. While our content is educational and appropriate for teens interested in learning about personal finance, adult guidance can enhance the learning experience.

If you access alcutura from outside the United States, your information may be transferred to and processed in the US where our servers are located. We ensure appropriate safeguards are in place for international data transfers.

For users in the European Union, we rely on adequacy decisions and standard contractual clauses approved by the European Commission to protect your data during international transfers. We also implement additional technical and organizational measures to safeguard your information.

Users in other jurisdictions benefit from the same security measures and privacy protections regardless of their location. Our commitment to data protection extends globally across our user base.

We may update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify active users via email and display a notice on our platform.

Minor updates like clarifications or formatting changes won't trigger notifications, but we'll update the "Last Modified" date at the top of this policy. We encourage you to review this policy periodically to stay informed about how we protect your information.

Continued use of our services after policy updates constitutes acceptance of the revised terms. If you disagree with changes, you can close your account or contact us to discuss concerns before the effective date.