Introduction
BankWise Academy ("we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website honnetwbarmk.com (the "Website") or purchase our courses.
We encourage you to read this Privacy Policy carefully to understand our practices regarding your personal data and how we will treat it. By using our Website, you consent to the data practices described in this statement.
Information We Collect
We collect several types of information from and about users of our Website, including:
Personal Information
- Contact Information: Name, email address, mailing address, and telephone number when you register for an account, subscribe to our newsletter, or purchase a course.
- Payment Information: Credit card numbers, billing addresses, and other payment details when you make a purchase (note: payment processing is handled by our third-party payment processors).
- Account Information: Username, password, and profile information when you create an account.
- Course Participation Data: Information about your progress, assessment results, and interactions with our course content.
Non-Personal Information
- Usage Data: Information about your interactions with our Website, such as pages visited, time spent on pages, navigation paths, and features used.
- Device Information: Information about the device and internet connection you use to access our Website, including IP address, browser type, operating system, and device identifiers.
- Cookie Data: Information collected through cookies, web beacons, and other tracking technologies (see our Cookie Policy section below).
How We Collect Information
We collect information through:
- Direct Interactions: When you provide information by filling in forms, creating accounts, purchasing courses, subscribing to newsletters, or contacting us.
- Automated Technologies: As you navigate through our Website, we may use cookies, server logs, and other similar technologies to collect usage data automatically.
- Third Parties: We may receive information about you from third parties, such as business partners, analytics providers, and payment processors.
How We Use Your Information
We use your information for various purposes, including to:
- Provide, maintain, and improve our Website and educational services
- Process transactions and send related information, including confirmations and receipts
- Create and maintain your account, and personalize your learning experience
- Communicate with you about our products, services, promotions, events, and other news
- Respond to your inquiries and provide customer support
- Monitor and analyze usage patterns and trends to improve our Website and educational offerings
- Protect the security and integrity of our Website
- Comply with legal obligations and enforce our terms and conditions
- Detect, prevent, and address technical issues and fraudulent activities
Disclosure of Your Information
We may disclose your personal information to the following categories of recipients:
- Service Providers: Third-party vendors, consultants, and other service providers who perform services on our behalf, such as payment processing, data analysis, email delivery, hosting services, and customer service.
- Business Transfers: If we are involved in a merger, acquisition, financing, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.
- Legal Compliance: If required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency).
- Protection of Rights: If we believe disclosure is necessary to protect the rights, property, or safety of BankWise Academy, our customers, or others.
Cookie Policy
What Are Cookies
Cookies are small text files that are placed on your device when you visit a website. They are widely used to make websites work more efficiently and provide information to the website owners.
Types of Cookies We Use
- Essential Cookies: Necessary for the operation of our Website. These enable core functionality such as security, account management, and network management.
- Analytical/Performance Cookies: Allow us to recognize and count the number of visitors and see how visitors move around our Website. This helps us improve the way our Website works.
- Functionality Cookies: Used to recognize you when you return to our Website. This enables us to personalize our content for you and remember your preferences.
- Targeting Cookies: Record your visit to our Website, the pages you have visited, and the links you have followed. We may use this information to make our Website and the advertising displayed on it more relevant to your interests.
Managing Cookies
You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of our Website may become inaccessible or not function properly.
Third-Party Analytics
We use third-party analytics services, such as Google Analytics, to collect information about the use of our Website. These services may use cookies and other tracking technologies to collect and analyze information about your use of the Website and other websites.
You can opt out of Google Analytics by visiting the Google Analytics opt-out page.
Data Security
We have implemented appropriate technical and organizational measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on secure servers behind firewalls.
The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential.
Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk.
Data Retention
We will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy, or as needed to comply with our legal obligations, resolve disputes, and enforce our agreements.
When determining the appropriate retention period, we consider the amount, nature, and sensitivity of the personal information, the potential risk of harm from unauthorized use or disclosure, and the purposes for which we process the personal information.
Your Privacy Rights
Depending on your location, you may have certain rights regarding your personal information:
For All Users
- Access: You can request a copy of the personal information we hold about you.
- Correction: You can request that we correct inaccurate or incomplete information about you.
- Opt-Out of Marketing: You can opt out of marketing communications at any time by clicking the "unsubscribe" link in our emails or contacting us directly.
For Users in the European Economic Area (EEA), United Kingdom, and Other Regions with Similar Laws
- Erasure: In certain circumstances, you can request that we delete your personal information.
- Restriction: You can request that we restrict the processing of your personal information.
- Data Portability: You can request a copy of your personal information in a machine-readable format.
- Objection: You can object to our processing of your personal information for direct marketing purposes.
- Withdrawal of Consent: If we rely on your consent to process your personal information, you can withdraw your consent at any time.
For California Residents
Under the California Consumer Privacy Act (CCPA), California residents have additional rights, including:
- The right to know what personal information we collect and disclose
- The right to delete certain personal information
- The right to opt-out of the sale of personal information (note that we do not sell your personal information)
- The right to non-discrimination for exercising your privacy rights
To exercise your privacy rights, please contact us using the contact information provided at the end of this Policy. We may need to verify your identity before responding to your request.
Children's Privacy
Our Website is not intended for children under 16 years of age. We do not knowingly collect personal information from children under 16. If you are under 16, do not use or provide any information on this Website. If we learn we have collected or received personal information from a child under 16 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 16, please contact us.
International Data Transfers
We are based in the United States, and the information we collect is governed by U.S. law. If you are accessing the Website from outside the United States, please be aware that information collected through the Website may be transferred to, processed, and stored in the United States or other countries where our servers are located. By using the Website, you consent to the transfer of your information to the United States or to other countries where our service providers are located.
Changes to Our Privacy Policy
We may update our Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. The date the Privacy Policy was last revised is identified at the top of the page. We will notify you of any material changes by posting the new Privacy Policy on this page and, where appropriate, sending you a notification by email.
We recommend that you review this Privacy Policy periodically to stay informed about our data practices and your options.
Contact Information
If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact us at:
Email: privacy@honnetwbarmk.com
Mail: BankWise Academy, 4967 Toy Islands East, Elissaberg, WY 86969, United States
Phone: +1 (412) 597-8761
