Privacy Policy

1. Introduction

IUL Course ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our educational platform.

Please read this Privacy Policy carefully. If you do not agree with the terms of this Privacy Policy, please do not access the site or use our services.

2. Information We Collect

Personal Data

We may collect the following types of personal information:

• Account Information: Name, email address, password, and profile information
• Billing Information: Credit card details, billing address (processed securely through Stripe)
• Educational Data: Course progress, quiz results, certificates earned
• Communication Data: Messages sent through our platform, support requests
• Professional Information: License information, company details (if provided)

Usage Data

We automatically collect information about how you interact with our platform:

• Device information (IP address, browser type, operating system)
• Usage patterns (pages visited, time spent, features used)
• Performance data (page load times, errors encountered)
• Referral sources (how you found our website)

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience and gather usage analytics. You can control cookie settings through your browser preferences.

3. How We Use Your Information

We use the information we collect for the following purposes:

• Provide Services: Deliver course content, track progress, issue certificates
• Account Management: Create and manage user accounts, process subscriptions
• Payment Processing: Handle billing and subscription management (via Stripe)
• Communication: Send important updates, support responses, and marketing communications
• Improvement: Analyze usage patterns to improve our platform and content
• Security: Protect against fraud, unauthorized access, and security threats
• Legal Compliance: Meet regulatory requirements and legal obligations

4. Information Sharing and Disclosure

We do not sell, trade, or otherwise transfer your personal information to third parties except in the following circumstances:

Service Providers

We may share information with trusted third-party service providers who assist us in operating our platform:

• Stripe: Payment processing and subscription management
• Supabase: Database and authentication services
• Vercel: Website hosting and performance optimization
• Google Analytics: Website usage analytics (anonymized data)
• Email Service Providers: Delivery of transactional and marketing emails

Legal Requirements

We may disclose your information when required by law or to:

• Comply with legal process or government requests
• Protect our rights, property, or safety
• Prevent fraud or security threats
• Enforce our Terms of Service

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity, subject to this Privacy Policy.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information:

• Encryption: Data in transit and at rest is encrypted using industry-standard protocols
• Access Controls: Strict access controls limit who can view your information
• Secure Infrastructure: Our platforms use secure, regularly updated infrastructure
• Regular Audits: We conduct regular security assessments and updates
• PCI Compliance: Payment data is handled in compliance with PCI DSS standards

However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

• Account Data: Retained while your account is active and for a reasonable period after closure
• Educational Records: Course progress and certificates retained for verification purposes
• Financial Data: Billing records retained for tax and accounting purposes as required by law
• Analytics Data: Aggregated, anonymized data may be retained indefinitely for research and improvement

7. Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal obligations)
• Portability: Request your data in a machine-readable format
• Opt-out: Unsubscribe from marketing communications
• Restriction: Request limitation of processing in certain circumstances

To exercise these rights, please contact us at iulcourse@tutamail.com. We will respond to your request within 30 days.

8. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure that such transfers comply with applicable data protection laws and implement appropriate safeguards.

For users in the European Economic Area (EEA), we ensure that data transfers to non-EEA countries are protected by appropriate safeguards such as Standard Contractual Clauses or adequacy decisions.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected such information, we will take steps to delete it promptly.

10. Third-Party Links and Services

Our platform may contain links to third-party websites or services. This Privacy Policy does not apply to such third-party sites. We encourage you to review the privacy policies of any third-party services you visit.

11. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected and how it's used
• Right to delete personal information
• Right to opt-out of the sale of personal information (we do not sell personal information)
• Right to non-discrimination for exercising your privacy rights

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending an email notification to registered users
• Displaying a prominent notice on our platform

Your continued use of our services after any changes constitutes acceptance of the updated Privacy Policy.

13. Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: