This Privacy Policy explains how Strategic Finance Academy, operated by RMK & Associates ("we", "us", "our"), collects, uses, and protects your information when you use our financial education platform (the "Service").

1. Information We Collect

• Account information, your name, email address, and password (stored only as a securely salted hash).
• Learning activity, lessons completed, assessment results, achievements, points, and progress.
• Content you create, notes, financial data sets, and inputs you enter into our tools.
• Payment information, processed by our payment provider (Stripe). We receive confirmation of your purchase and subscription status but do not store your full card details.
• Technical data, basic log and device information needed to operate and secure the Service.

2. How We Use Your Information

• To provide, personalize, and improve the Service and your learning experience.
• To process purchases and manage subscriptions and entitlements.
• To send essential account communications, such as password-reset emails.
• To maintain security, prevent abuse, and comply with legal obligations.

3. AI Features

Some features use third-party AI services (such as OpenAI) to generate educational tips and guidance. When you use these features, the relevant context you provide may be sent to the AI provider to produce a response. We do not use this content to train external models and we minimize the data shared.

4. Sharing of Information

We do not sell your personal information. We share data only with service providers who help us operate the Service (for example, payment processing, email delivery, and AI features), and only as needed to perform those functions, or when required by law.

5. Data Retention & Security

We retain your information for as long as your account is active or as needed to provide the Service and meet legal obligations. We use industry-standard safeguards, including encryption in transit and hashed passwords, to protect your data. No method of transmission or storage is completely secure, however, and we cannot guarantee absolute security.

6. Your Rights

Depending on your location, you may have the right to access, correct, export, or delete your personal information. To exercise these rights, contact us through the support options available within the Service.

7. Children's Privacy

The Service is not directed to children under 16, and we do not knowingly collect personal information from them.

8. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated through the Service or by email, and the effective date above will be revised.

9. Contact

Questions about this Privacy Policy? Contact RMK & Associates through the support options available within the Service.