1. Who is responsible for your data
Adam Scotia, financial educator and author of Personal Finance Made Simple, runs this site as an independent educational project (no company registration number: there is no CNPJ or equivalent to display). Privacy contact: [email protected]. Based in Toronto, ON — Canada, with support in English by email.
2. Data we collect
- Enrollment: name, email, country of residence, plus your consent record (date and time).
- Contact: name, email, subject, and message.
- Browsing: only with your consent, analytics and marketing cookies (pages visited, in aggregate).
3. How we use it and the legal basis
- To manage your enrollment and send the course by email after team review.
- To reply to messages and requests about your data.
- To improve content (only with analytics consent).
Legal basis is your consent: the checkbox never comes pre-ticked, and you can withdraw it at any time. Depending on where you live, your data is handled under the applicable law: the GDPR/UK GDPR in Europe and the UK, Brazil's LGPD, Canada's PIPEDA (including Quebec's Law 25), and US state privacy laws such as California's CCPA/CPRA.
4. Sharing
We don't sell your data. We may use email and hosting providers strictly to operate course delivery, under confidentiality agreements.
5. California: Do Not Sell or Share
We do not sell or share personal information as defined by the CCPA/CPRA. If you are in California and still wish to record a do-not-sell/share preference, write to [email protected] with the subject "Do Not Sell or Share".
6. Retention
We keep your name, email, and country while your enrollment is active or until you request deletion. Requests via the email above, answered within 15 days (without undue delay where the GDPR applies).
7. Your rights
Depending on your country, you have rights of confirmation, access, correction, deletion, portability, restriction, objection, and withdrawal of consent. Just write to [email protected]. You also have the right to complain to your local data protection authority.
8. International transfers
Because students enroll from many countries, your data may be processed on servers outside your country (including Canada). Where the GDPR applies, transfers rely on your consent and on appropriate safeguards from our providers.
9. Cookies
Essential cookies (always on, to keep the site running) plus analytics and marketing cookies (only with your banner consent). Consent Mode signals stay denied until you choose otherwise. You can change your choice at any time via the Cookies link in the footer.
10. Children and teens
The course is aimed at ages 16+. Enrollments for minors must be made by a parent or guardian.