Information We Collect

When you interact with RadianceCognit's budget mastery platform, we gather information that helps us provide better financial education services. This includes details you share directly with us and information collected automatically during your learning experience.

We also track how you navigate through our educational materials. This helps us understand which budget creation techniques resonate most with learners and where we might need to clarify complex financial concepts.

How We Use Your Information

Your information serves specific purposes that directly benefit your financial education journey. We're not in the business of collecting data just because we can – everything we gather has a clear purpose tied to improving your learning experience.

1. Delivering personalized budget creation lessons based on your current financial knowledge level
2. Sending program updates, new course announcements, and educational content via email
3. Providing technical support when you encounter platform issues or have questions
4. Analyzing learning patterns to improve our curriculum and teaching methods
5. Communicating important changes to our services or policies
6. Processing enrollment applications and managing your account access

We never use your financial education progress data for marketing to third parties. Your journey toward better budget management stays private between you and our teaching team.

Information Sharing and Disclosure

RadianceCognit operates on a principle of minimal data sharing. We don't sell, rent, or trade your personal information to other companies for their marketing purposes. However, there are specific situations where we may need to share certain information.

• With educational partners who provide specialized budget creation software or tools that enhance your learning experience
• With our technical service providers who help maintain our learning platform, process payments, or provide customer support
• When required by Taiwan law enforcement or regulatory authorities in response to valid legal requests
• In the unlikely event of a business merger or acquisition, where your data would transfer to maintain service continuity
• With your explicit consent for specific partnerships or opportunities that directly benefit your financial education goals

All third-party service providers who access your information are bound by strict confidentiality agreements and must comply with Taiwan's Personal Data Protection Act requirements.

Your Privacy Rights

Taiwan's Personal Data Protection Act grants you comprehensive rights regarding your personal information. We've designed our systems to make exercising these rights straightforward and responsive to your needs.

To exercise any of these rights, contact our privacy team at help@radiancecognit.com. We respond to most requests within 15 business days and will verify your identity before processing sensitive requests.

Data Security and Protection

Protecting your personal information isn't just about compliance – it's about maintaining the trust you place in us when sharing details about your financial education journey. We've implemented multiple layers of security to safeguard your data.

• Multi-factor authentication required for all administrative access to student data
• Regular automated backups stored in geographically separate, secure data centers
• Network monitoring systems that detect and respond to unusual access patterns
• Employee training programs on data privacy best practices and incident response
• Quarterly penetration testing by certified security professionals
• Strict access controls limiting data access to essential personnel only

Despite our best efforts, no online platform can guarantee 100% security. If we detect any potential data breach affecting your information, we'll notify you within 72 hours and provide clear guidance on protective steps you should take.

Data Retention and Deletion

We maintain your personal information only as long as necessary to provide educational services and comply with Taiwan legal requirements. Our retention periods vary based on the type of information and your relationship with RadianceCognit.

When retention periods expire, we permanently delete your information using secure deletion protocols that make data recovery impossible. You can request earlier deletion in most cases, though we may need to retain certain records to meet legal obligations.

Cookies and Tracking Technologies

Our learning platform uses cookies and similar technologies to enhance your educational experience and understand how students interact with our budget creation materials. We believe in transparency about what these technologies do and how they benefit your learning.

• Essential cookies that maintain your login session and course progress across browser sessions
• Analytics cookies that help us identify which lesson formats work best for different learning styles
• Preference cookies that remember your dashboard settings and content display choices
• Performance cookies that monitor page loading times and platform responsiveness

You can control cookie settings through your browser preferences, though disabling essential cookies may limit platform functionality. We don't use third-party advertising cookies or participate in behavioral advertising networks.

International Data Transfers

While RadianceCognit operates primarily within Taiwan, some of our technical infrastructure partners maintain servers in other jurisdictions. We ensure that any international data transfers maintain the same privacy protections required under Taiwan law.

When your information travels outside Taiwan, it's protected by contracts that require recipient organizations to maintain Taiwan-equivalent privacy standards. We use standard contractual clauses approved by Taiwan's National Development Council for all international data transfer agreements.

• Cloud storage providers with Taiwan data residency options are preferred
• All international partners must demonstrate adequate privacy law compliance
• Data transfer agreements include audit rights and breach notification requirements
• Students can request Taiwan-only data processing for sensitive information

Changes to This Privacy Policy

We update this privacy policy periodically to reflect changes in our educational services, legal requirements, or data handling practices. When significant changes occur, we'll notify enrolled students directly and provide clear explanations of what's changing and why.

Minor updates, such as clarifying existing practices or correcting contact information, take effect immediately upon posting. Major changes that affect how we collect, use, or share your information include a 30-day notice period before implementation.