Introduction

At Clodpoles Financial Training ("we," "our," or "us"), we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, participate in our training programs, or interact with our services. By using our services, you agree to the collection and use of information in accordance with this policy.

We understand that your privacy is important to you, and we take our responsibility to protect your personal information seriously. This policy applies to all information we collect through our website, training programs, workshops, and any other services we provide.

Information We Collect

Personal Information

We may collect the following types of personal information from you:

• Contact Information: Name, email address, phone number, and mailing address
• Professional Information: Business details, occupation, industry, and financial goals
• Payment Information: Credit card details, billing address, and transaction history
• Workshop Participation: Training attendance, progress records, and assessment results
• Communication Records: Correspondence, feedback, and support inquiries

Automatically Collected Information

When you visit our website, we automatically collect certain information about your device and usage patterns, including:

• IP address and browser information
• Pages visited and time spent on our website
• Referring websites and search terms used
• Device type, operating system, and screen resolution
• Cookies and similar tracking technologies

How We Use Your Information

We use your personal information for the following legitimate business purposes:

• Service Delivery: To provide financial training services, workshops, and educational content
• Communication: To respond to inquiries, send program updates, and provide customer support
• Payment Processing: To process payments for our services and maintain billing records
• Program Improvement: To analyze participation data and improve our training programs
• Marketing: To send promotional materials about relevant financial education opportunities (with your consent)
• Legal Compliance: To comply with applicable laws, regulations, and legal processes
• Safety and Security: To protect against fraud, unauthorized access, and other security threats

Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. However, we may share your information in the following limited circumstances:

• Service Providers: With trusted third-party vendors who assist us in operating our website and providing services
• Payment Processors: With financial institutions and payment processors to facilitate transactions
• Legal Requirements: When required by law, court order, or to protect our legal rights
• Business Transfers: In connection with a merger, acquisition, or sale of business assets
• Consent: When you have given explicit consent for specific sharing purposes

All third parties we work with are required to maintain the confidentiality and security of your information and may only use it for the specific purposes we authorize.

Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security measures include:

• Encryption of sensitive data in transit and at rest
• Regular security assessments and vulnerability testing
• Access controls and authentication procedures
• Employee training on data protection and privacy
• Secure data storage and backup procedures

While we strive to protect your personal information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security but are committed to maintaining industry-standard protection measures.

Your Rights and Choices

You have the following rights regarding your personal information:

• Access: Request information about the personal data we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information, subject to legal requirements
• Portability: Request a copy of your data in a structured, machine-readable format
• Opt-out: Unsubscribe from marketing communications at any time
• Consent Withdrawal: Withdraw consent for data processing where applicable
• Objection: Object to certain types of data processing

To exercise any of these rights, please contact us using the information provided at the end of this policy. We will respond to your request within a reasonable timeframe and in accordance with applicable law.

Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience and collect information about how you use our site. Cookies are small text files stored on your device that help us:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Provide personalized content and recommendations
• Ensure website security and prevent fraud
• Deliver targeted advertising (with your consent)

You can control cookie settings through your browser preferences. However, disabling certain cookies may affect the functionality of our website.

Data Retention

We retain your personal information only 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. Retention periods vary depending on the type of information and the purpose for which it was collected:

• Contact Information: Retained while you remain an active client or until you request deletion
• Training Records: Retained for up to 7 years for educational and compliance purposes
• Payment Information: Retained as required for accounting and tax purposes (typically 7 years)
• Website Usage Data: Retained for up to 2 years for analytics and improvement purposes

International Data Transfers

Your personal information may be transferred to and processed in countries other than your own. If we transfer your information outside of Ghana, we ensure appropriate safeguards are in place to protect your data, including:

• Adequacy decisions by relevant authorities
• Standard contractual clauses approved by data protection authorities
• Certification schemes and codes of conduct
• Binding corporate rules for international organizations

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 years of age. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly. Parents or guardians who believe we may have collected information from a child should contact us immediately.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will:

• Post the updated policy on our website with a new effective date
• Notify you via email if you have provided us with your email address
• Provide prominent notice on our website
• Obtain your consent for material changes where required by law

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

Contact Information

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

We will respond to your inquiry within 30 days of receipt. For urgent privacy concerns, please indicate this in your communication.