Welcome to SmaartMoney. Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit our website (www.smaartmoney.com), interact with our services, or participate in our educational activities.

Please read this policy carefully to understand our views and practices regarding your personal data. By using SmaartMoney, you agree to the terms of this Privacy Policy.

1. About SmaartMoney

SmaartMoney is a finance education platform created for educational purposes only. We do not offer any form of investment advice, financial advisory services, or personalized financial recommendations.
SmaartMoney does not engage in securities advising or brokerage services.

2. Information We Collect

We may collect the following types of information:

a) Personal Information

• Your name, email address, and contact details when you sign up for our newsletters, courses, or webinars.
• Information you provide when filling forms, surveys, or interacting with support services.

b) Non-Personal Information

• Browser type, operating system, referring URLs, access times, and pages viewed.
• Aggregated statistical data to improve our website and content.

c) Cookies and Tracking Technologies

• We use cookies to enhance your browsing experience and analyze site traffic.
• You can adjust your browser settings to refuse cookies; however, doing so may limit some features of our website.

3. How We Use Your Information

We use your information to:

• Provide, maintain, and improve SmaartMoney’s educational services.
• Send educational materials, newsletters, updates, and promotional offers (only if you opt-in).
• Analyze website performance and user engagement to enhance user experience.
• Respond to your inquiries and provide customer support.

4. Information Sharing and Disclosure

We do not sell, rent, or trade your personal information to third parties.
However, we may share your information in the following cases:

• Service Providers: With trusted third-party vendors who assist us in operating our website (e.g., email marketing, hosting services) under strict confidentiality agreements.
• Legal Obligations: To comply with legal requirements, enforce our policies, or protect our rights or the safety of others.

5. Third-Party Links

Our website may contain links to external websites not operated by us.
We are not responsible for the privacy practices or content of these third-party sites.
We encourage you to review the privacy policies of any external sites you visit.

6. Data Security

We take appropriate administrative, technical, and physical measures to protect your personal data from unauthorized access, loss, misuse, or alteration.

However, please note that no method of transmission over the Internet is 100% secure. We strive to protect your information but cannot guarantee absolute security.

7. Your Rights

You have the following rights regarding your personal information:

• Access: Request access to the personal data we hold about you.
• Correction: Request correction of any inaccurate or incomplete data.
• Deletion: Request deletion of your personal data (subject to applicable legal requirements).
• Opt-Out: Unsubscribe from marketing communications at any time by clicking the "unsubscribe" link in our emails.

To exercise any of these rights, please contact us at [Insert Contact Email].

8. Children's Privacy

SmaartMoney is intended for individuals aged 18 and above.
We do not knowingly collect personal information from children under 18. If you believe a child has provided us with personal data, please contact us so we can promptly delete the information.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.
When we do, we will revise the "Effective Date" at the top of this page and notify you by posting a prominent notice on our website.
We encourage you to review this Privacy Policy periodically to stay informed.

10. Contact Us

If you have any questions, concerns, or comments about this Privacy Policy or our practices, please contact us:

📧 Email: cloud_oracle@yahoo.com

Reminder

SmaartMoney is an education platform. Nothing on this site should be interpreted as investment advice, solicitation, or recommendation.
Always consult a qualified financial advisor before making investment decisions.