Information We Collect

When you use our financial stability analysis services, we gather specific types of information to provide accurate assessments and personalized support. Here's what we collect and why it matters:

Personal Identification Data

We collect basic details when you create an account or enroll in our programs:

• Full name and contact information (email address, phone number)
• Mailing address for correspondence and documentation
• Date of birth for age verification and program eligibility
• Government-issued identification numbers when required by Taiwan regulations

Financial and Educational Information

Because we focus on financial stability analysis, we need certain financial data to provide meaningful insights:

• Income details and employment status
• Educational background and professional certifications
• Financial goals and current challenges you're facing
• Payment information for course enrollment (processed securely through third-party processors)
• Assessment results and learning progress within our platform

Technical and Usage Data

We automatically collect technical information when you access our website:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on our platform
• Referral sources and navigation patterns
• Cookies and similar tracking technologies (you can control these through your browser settings)

How We Use Your Information

We use the data we collect to deliver quality educational services and improve your experience. Here's a breakdown of our primary uses:

Purpose	Data Used	Legal Basis
Course delivery and access	Account information, login credentials	Contract performance
Personalized learning recommendations	Progress data, assessment results	Legitimate interest
Communication about programs	Contact details, enrollment status	Contract performance
Payment processing	Financial information, billing address	Contract performance
Platform improvement	Usage patterns, technical data	Legitimate interest
Compliance with regulations	All categories as required	Legal obligation

Data Sharing and Third Parties

While we keep your information confidential, there are specific situations where we share data with trusted partners:

Service Providers

We work with carefully selected vendors who help us operate our platform. These include:

• Payment processors for secure transaction handling
• Cloud hosting services for data storage and platform infrastructure
• Email delivery services for course communications
• Analytics providers to understand how students use our platform

All third-party providers sign 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 Taiwan law or government authorities. This happens rarely and only when:

• We receive a valid legal request from law enforcement
• It's necessary to prevent fraud or security threats
• We need to protect the rights and safety of our students or staff
• Compliance with tax or financial regulations demands it

Business Transfers

If scrollx-viewly merges with another company or undergoes restructuring, your information may transfer as part of that transaction. We'll notify you beforehand and ensure the new entity respects this privacy policy.

Your Privacy Rights

Under Taiwan's Personal Data Protection Act, you have significant control over your personal information. Here are the rights you can exercise:

How to Exercise Your Rights

Making a privacy request is straightforward. Here's the process:

1. Send an email to [email protected] with the subject line "Privacy Request" and clearly state which right you want to exercise.
2. We'll verify your identity by asking for account details or government-issued identification to prevent unauthorized access.
3. Once verified, we'll process your request within 30 days and notify you of any actions taken or reasons for delay.
4. If you're unsatisfied with our response, you can file a complaint with Taiwan's National Development Council or seek legal advice.

Data Security Measures

Protecting your information is a top priority. We use multiple layers of security to prevent unauthorized access, disclosure, or loss:

Technical Safeguards

• SSL/TLS encryption for all data transmitted between your browser and our servers
• Encrypted storage for sensitive personal and financial information
• Regular security audits and vulnerability assessments
• Firewalls and intrusion detection systems to monitor network activity
• Secure backup systems with geographic redundancy

Organizational Measures

• Access controls limiting staff exposure to personal data based on job requirements
• Regular training on data protection and privacy compliance
• Confidentiality agreements signed by all employees and contractors
• Incident response procedures for potential data breaches
• Annual reviews of security policies and procedures

Data Retention and Deletion

We don't keep your information indefinitely. Our retention periods depend on the type of data and legal requirements:

Active Account Data

While your account remains active, we maintain all associated personal information to provide continuous service. You can update or modify this data anytime through your account settings.

Inactive Accounts

If you stop using our platform for 24 consecutive months, we'll send reminders about potential account deletion. After 36 months of inactivity, we automatically remove non-essential personal data while retaining basic records for financial and legal compliance.

Financial Records

Taiwan tax regulations require us to keep transaction records and invoices for seven years. After this period, we securely delete these documents unless ongoing legal matters require retention.

Deletion Requests

When you request data deletion, we act within 30 days. However, certain information may remain in backup systems for up to 90 days before permanent removal. We'll notify you once deletion is complete.

Cookies and Tracking Technologies

Our website uses cookies to enhance functionality and understand user behavior. Here's what you should know:

Types of Cookies We Use

• Essential Cookies: Required for basic platform functionality like login sessions and security features. You can't disable these without losing access to key features.
• Performance Cookies: Help us understand how visitors interact with our site by collecting anonymous usage statistics.
• Functionality Cookies: Remember your preferences and settings to provide a personalized experience.
• Analytics Cookies: Track user journeys and behavior patterns to improve our educational content and platform design.

Managing Cookie Preferences

You control cookie settings through your browser. Most browsers allow you to block or delete cookies, though this may affect platform functionality. Visit your browser's help section for specific instructions on cookie management.

International Data Transfers

Our primary operations are based in Taiwan, but some service providers operate servers in other countries. When we transfer data internationally:

• We ensure adequate protection through standard contractual clauses or equivalent safeguards
• Data transfers comply with Taiwan's cross-border data transfer regulations
• We verify that recipient countries maintain appropriate data protection standards
• You'll be informed if your data will be processed outside Taiwan

Children's Privacy

Our services are designed for adults aged 18 and older. We don't knowingly collect personal information from minors. If you're under 18, please don't register for our courses or provide personal details without parental consent.

If we discover we've inadvertently collected data from someone under 18, we'll delete it immediately. Parents or guardians who believe their child has provided information to us should contact us right away.

Changes to This Policy

We review and update this privacy policy regularly to reflect changes in our practices or legal requirements. When we make significant modifications:

• We'll post the updated policy on this page with a new "Last Updated" date
• Active users will receive email notifications about material changes
• You'll have 30 days to review modifications before they take effect
• Continued use of our platform after changes indicates acceptance of the updated policy

We encourage you to check this page periodically, especially before providing new personal information or enrolling in additional programs.