Introduction and Scope

At excelonterminal, we take your privacy seriously. This policy explains how we collect, use, protect, and manage your personal information when you interact with our budgeting education platform. We operate under Argentina's Personal Data Protection Law (PDPA) and international privacy standards to ensure your data receives comprehensive protection.

This privacy policy applies to all services offered through excelonterminal.com, including our educational programs, learning materials, communication platforms, and any related services we provide to help you master effective budgeting techniques.

Information We Collect

Personal Information You Provide

When you register for our programs or contact us, we collect information you voluntarily share:

• Full name and contact details (email address, phone number)
• Mailing address for program materials and communications
• Educational background and professional experience related to finance
• Learning goals and specific budgeting challenges you want to address
• Payment information processed through secure third-party providers
• Communication preferences and language settings

Automatically Collected Information

Our website automatically gathers certain technical information to improve your experience:

• Device information, browser type, and operating system details
• IP address and general geographic location (country/region level)
• Pages visited, time spent on our platform, and navigation patterns
• Referral sources and search terms that brought you to our site
• Session recordings for user experience optimization (anonymized)

How We Use Your Information

We use collected information exclusively for legitimate educational and business purposes:

• Delivering personalized budgeting education and program content
• Processing enrollments and managing your learning progress
• Sending program updates, educational materials, and relevant announcements
• Providing technical support and answering your questions
• Improving our educational content based on learning outcomes
• Ensuring platform security and preventing unauthorized access
• Complying with legal obligations under Argentina regulations

Information Sharing and Third Parties

Limited Sharing Practices

We maintain strict control over your personal information and only share data in specific circumstances:

• Payment processors for secure transaction handling (encrypted data only)
• Email service providers for educational content delivery
• Analytics services for website performance optimization (anonymized data)
• Legal authorities when required by Argentina law or valid legal process
• Service providers who sign comprehensive data protection agreements

What We Never Share

We never sell, rent, or trade your personal information to third parties for marketing purposes. Your learning progress, financial goals, and personal challenges remain completely confidential within our educational platform.

Your Privacy Rights

Under Argentina's data protection laws, you have comprehensive rights regarding your personal information:

Exercising Your Rights

To exercise any of these rights, contact us using the information provided below. We respond to all requests within 30 days and may require identity verification to protect your information. There's no charge for most requests, though we may apply reasonable fees for excessive or repetitive requests.

Data Security and Protection

Security Measures

We implement comprehensive security measures to protect your personal information:

• End-to-end encryption for all data transmission and storage
• Secure servers located in facilities with 24/7 monitoring
• Regular security audits and vulnerability assessments
• Multi-factor authentication for administrative access
• Employee training on data protection and confidentiality
• Automated backup systems with encrypted storage

Breach Notification

In the unlikely event of a data breach affecting your personal information, we will notify you within 72 hours via email and provide detailed information about what happened, what information was involved, and what steps we're taking to address the situation.

Data Retention and Deletion

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

• Active account information: Maintained while your account remains active
• Educational records: Kept for 7 years after program completion for certification purposes
• Financial transaction records: Retained for 10 years as required by Argentina tax laws
• Marketing communications data: Deleted immediately upon unsubscribe request
• Website analytics data: Anonymized after 26 months
• Support communications: Archived after 3 years for quality improvement

International Data Transfers

While our primary operations are based in Argentina, some of our trusted service providers may process your information in other countries. When this occurs, we ensure:

• All transfers comply with Argentina's data protection requirements
• Receiving countries provide adequate protection levels
• Contractual safeguards protect your information during transfer
• You receive advance notice of any significant changes to transfer practices

Cookies and Tracking Technologies

How We Use Cookies

Our website uses cookies and similar technologies to enhance your learning experience:

• Essential cookies for login sessions and platform functionality
• Performance cookies to understand how you navigate our educational content
• Preference cookies to remember your settings and customizations
• Analytics cookies to improve our educational programs and content

You can control cookie settings through your browser preferences. However, disabling certain cookies may limit some platform features. We don't use tracking cookies for advertising purposes or share cookie data with advertising networks.

Children's Privacy

Our educational programs are designed for adults aged 18 and older. We don't knowingly collect personal information from children under 18. If we discover we've inadvertently collected such information, we'll delete it immediately and notify the relevant authorities as required by Argentina law.

Parents or guardians who believe their child has provided personal information to us should contact us immediately using the information below.

Changes to This Privacy Policy

We review and update this privacy policy annually or when significant changes occur in our data processing practices. When we make material changes, we will:

• Email registered users about significant updates at least 30 days in advance
• Post clear notifications on our website highlighting key changes
• Provide easy-to-understand summaries of what has changed
• Allow you to review changes before they take effect
• Offer options to adjust your privacy settings if needed

Continued use of our services after the effective date constitutes acceptance of the updated policy. If you disagree with changes, you can close your account and request data deletion.