Skilvia Trail - Professional Financial Analysis & Investment Guidance

Information We Collect

At Skilvia Trail, we collect information to provide you with exceptional financial education services and improve your learning experience. Understanding what data we gather helps you make informed decisions about using our platform.

Personal Information

Name, email address, phone number, and billing information when you register for our learning programs or contact us for support.

Educational Data

Course progress, quiz results, learning preferences, and interaction patterns to personalize your educational journey.

Technical Information

IP address, browser type, device information, and website usage analytics to optimize platform performance and security.

Automatic Data Collection

Our website automatically collects certain technical information through cookies and similar technologies. This includes your browsing patterns, time spent on different pages, and feature usage statistics. We use this data to understand how our platform performs and where we can make improvements for all users.

How We Use Your Information

Your information serves specific purposes that directly benefit your experience with Skilvia Trail. We believe in transparency about how your data contributes to our services and your educational success.

Deliver personalized fundamental analysis courses and educational content tailored to your learning pace and interests
Process payments securely and maintain accurate billing records for your learning program subscriptions
Send important updates about your courses, new educational resources, and platform improvements
Provide technical support and respond to your questions about our financial education services
Analyze platform usage to identify popular content and improve our educational materials
Ensure platform security and prevent unauthorized access to your account and learning progress
Comply with legal requirements and maintain accurate records as required by South African regulations

Marketing Communications: We only send promotional emails about new courses, educational resources, or platform updates if you've specifically opted in to receive them. You can unsubscribe at any time using the link in every email or by contacting our support team directly.

Information Sharing and Disclosure

We maintain strict control over your personal information and never sell your data to third parties. However, there are specific circumstances where we may share certain information to provide our services effectively.

Service Providers

We work with trusted third-party companies to operate our platform effectively. These include payment processors for secure transactions, email service providers for course communications, and hosting services for platform reliability. All service providers sign comprehensive data protection agreements and can only use your information for the specific services they provide to us.

Legal Requirements

We may disclose your information when required by South African law, court orders, or government regulations. This includes responding to valid legal requests from law enforcement agencies or complying with tax reporting requirements. We carefully review all such requests and only provide the minimum information necessary to fulfill legal obligations.

Business Transfers

If Skilvia Trail undergoes a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. In such cases, we will notify you before your personal information becomes subject to a different privacy policy and provide you with choices regarding your data.

Data Security and Protection

Protecting your personal and educational data is our top priority. We implement multiple layers of security measures to safeguard your information against unauthorized access, alteration, disclosure, or destruction.

SSL encryption for all data transmission between your device and our servers
Secure password requirements and account protection measures
Regular security audits and vulnerability assessments of our platform
Limited access controls ensuring only authorized personnel can access your data
Secure backup systems with encryption for data recovery and business continuity
Regular software updates and security patches to maintain platform integrity

Your Role in Security: While we implement robust security measures, you also play a crucial role in protecting your account. Use a strong, unique password, log out when using shared devices, and notify us immediately if you suspect any unauthorized access to your account.

Your Privacy Rights

You have significant control over your personal information and how we use it. Understanding these rights empowers you to make decisions about your data and ensures transparency in our relationship.

Access and Correction

You can request a copy of all personal information we hold about you, including your learning progress, account details, and communication history. If any information is incorrect or outdated, you can request corrections, and we'll update our records promptly. Most account information can be updated directly through your user dashboard.

Data Deletion

You have the right to request deletion of your personal information, subject to certain limitations. We may need to retain some information for legal compliance, fraud prevention, or legitimate business purposes. When you request deletion, we'll explain what information will be removed and what may need to be retained, along with the reasons why.

Data Portability

You can request a copy of your data in a structured, commonly used format. This includes your course progress, completed assessments, and other educational records. We'll provide this information within 30 days of your request, allowing you to transfer your learning history if needed.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience, remember your preferences, and analyze how our platform is used. Understanding these technologies helps you make informed choices about your privacy settings.

Essential cookies that enable basic website functionality and security features
Performance cookies that help us understand how visitors interact with our platform
Functional cookies that remember your preferences and personalize your experience
Analytics cookies that provide insights into content popularity and user behavior patterns

You can control cookie settings through your browser preferences, though disabling certain cookies may affect platform functionality. We don't use cookies for targeted advertising or share cookie data with advertising networks.

Data Retention

We retain your information only as long as necessary to provide our services and fulfill the purposes outlined in this policy. Different types of information have different retention periods based on legal requirements and business needs.

Account Information

Active account data is retained while your account remains active and for up to three years after account closure. This allows you to reactivate your account and access your learning history if you return to our platform.

Educational Records

Course progress, certificates, and assessment results are retained for seven years to support transcript requests and verify educational achievements. This extended retention period ensures we can provide documentation of your accomplishments when needed.

Financial Records

Payment information and billing records are retained for seven years as required by South African tax and accounting regulations. Credit card information is not stored on our systems and is processed through secure third-party payment processors.

International Data Transfers

While Skilvia Trail is based in South Africa, some of our service providers may process your information in other countries. We ensure that any international data transfers maintain the same level of protection as required by South African privacy laws.

When we transfer data internationally, we use approved transfer mechanisms such as standard contractual clauses and ensure that receiving organizations maintain adequate data protection standards. We regularly review our international service providers to ensure ongoing compliance with privacy requirements.

Children's Privacy

Our platform is designed for adult learners interested in financial education. We do not knowingly collect personal information from individuals under 18 years of age. If we discover that we have inadvertently collected information from a minor, we will delete that information immediately.

Parents or guardians who believe their child has provided personal information to us should contact our privacy team immediately. We will investigate and take appropriate action to protect the child's privacy and comply with applicable laws regarding minors' data.

Policy Updates

We may update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. When we make significant changes that affect how we handle your personal information, we will notify you through email or prominent notices on our platform.

We encourage you to review this policy regularly to stay informed about how we protect your information. The date at the top of this policy indicates when it was last updated. Continued use of our platform after policy updates constitutes acceptance of the revised terms.

Notification of Changes: For substantial changes that significantly impact your privacy rights, we will provide at least 30 days' notice and may require explicit consent for certain new uses of your information.

Privacy Policy