Privacy Policy

Introduction and Scope

noxiravalet operates as a comprehensive financial education platform, committed to helping individuals develop essential money management skills and financial literacy. This privacy policy explains how we collect, use, store, and protect your personal information when you visit our website at noxiravalet.com or use our educational services.

We respect your privacy rights under the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. This policy applies to all users of our platform, whether you're browsing our educational resources, enrolled in our learning programs, or simply exploring what we offer.

Information We Collect

We collect different types of information to provide you with personalised financial education and improve our services:

How We Use Your Information

Your information helps us deliver meaningful financial education tailored to your learning goals. We use your data to:

• Provide access to our educational courses and learning materials
• Track your progress through financial literacy programs and suggest relevant content
• Send educational newsletters and updates about new courses (with your consent)
• Respond to your questions and provide customer support
• Improve our platform based on user feedback and usage patterns
• Ensure the security and proper functioning of our website
• Comply with legal obligations and protect against fraud

Legal Basis for Processing

Under UK GDPR, we process your personal information based on the following legal grounds:

• Contract: Processing necessary to provide our educational services when you enrol in courses
• Consent: When you agree to receive marketing communications or optional services
• Legitimate Interest: To improve our platform, prevent fraud, and ensure website security
• Legal Obligation: To comply with applicable UK laws and regulations

Information Sharing and Disclosure

We don't sell your personal information to third parties. However, we may share your information in specific circumstances:

• With trusted service providers who help us operate our platform (hosting, email services, analytics)
• When required by law, court order, or to protect our legal rights
• In connection with a business merger or acquisition (with advance notice to users)
• With your explicit consent for specific purposes

All third-party service providers are required to maintain appropriate security measures and use your information only for specified purposes.

Your Rights Under UK Data Protection Law

To exercise any of these rights, contact us using the details provided below. We'll respond to your request within one month and may ask for identification to verify your identity.

Data Security and Protection

We implement comprehensive security measures to protect your personal information from unauthorised access, alteration, disclosure, or destruction. Our security practices include:

• SSL encryption for all data transmitted between your browser and our servers
• Regular security audits and vulnerability assessments
• Access controls ensuring only authorised personnel can access personal data
• Secure backup systems and disaster recovery procedures
• Staff training on data protection and privacy best practices

While we take security seriously, no system is completely secure. We encourage you to use strong passwords and keep your account information confidential.

Data Retention

We keep your personal information only as long as necessary for the purposes outlined in this policy:

• Account information: Retained while your account is active and for three years after closure
• Educational progress data: Kept for five years to support continued learning and course recommendations
• Communication records: Stored for two years for quality assurance and support purposes
• Marketing consent records: Maintained until you withdraw consent, plus two years for legal compliance

After these periods, we securely delete or anonymise your information unless required to retain it for legal reasons.

International Data Transfers

Your personal information is primarily stored and processed within the United Kingdom. If we need to transfer data internationally for service provision, we ensure appropriate safeguards are in place, including:

• Transfers to countries with adequate data protection as determined by the UK government
• Standard contractual clauses approved by UK data protection authorities
• Binding corporate rules for transfers within multinational service provider groups

Cookies and Tracking

Our website uses cookies to enhance your browsing experience and provide personalised content. We use:

• Essential cookies for website functionality and security
• Performance cookies to understand how you use our platform
• Preference cookies to remember your settings and choices
• Marketing cookies to show relevant educational content (with consent)

You can control cookie settings through your browser preferences. However, disabling certain cookies may affect website functionality.

Updates to This Policy

We may update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email (if you've provided an email address) and prominently display the updated policy on our website.

We encourage you to review this policy regularly to stay informed about how we protect your information. The "Last Updated" date at the top of this page indicates when the policy was most recently revised.

Children's Privacy

noxiravalet's financial education services are designed for adults aged 18 and over. We don't knowingly collect personal information from children under 16 without appropriate parental consent. If you believe we've inadvertently collected information from a child, please contact us immediately so we can delete it.