Privacy Policy

How your personal data is handled when you acquire or use the course

Last updated: January 2026

Version: 2026 Edition

This Privacy Policy describes how Javier Quiroga (hereinafter, "the Author") handles personal data related to the distribution and use of the digital course "The Future of Digital Finance" (hereinafter, "the Course"). Your privacy is important: here we clearly explain what information we collect, how we use it, and what rights you have over it.

1. Information collected

If distribution of the Course requires registration or payment, the following data may be collected:

Full name — to personalize access to the Course
Email address — to send access, updates, and technical support if needed
Payment information — processed by third parties such as Stripe, PayPal, or Gumroad. The Author does not store card numbers or complete bank data.
Usage data — how you access the material, from which device, on what date

2. Use of information

The collected data is used solely to:

Deliver the Course to the User
Process payments when applicable
Provide technical support — including resending the Course file to your email if you have problems with the download
Respond to inquiries related to the Course
Send important updates about the content (when the User has authorized it)
Comply with applicable legal obligations

3. Sharing information with third parties

Key commitment: the Author does NOT sell, rent, or share personal data with third parties for marketing purposes.

Information may only be shared with:

Payment processors (Stripe, PayPal, Gumroad) to complete transactions
Hosting or Course delivery services (e.g., Cloudflare Pages)
Email services used to send the Course and related communications
Authorities when legally required

4. Data security

Reasonable measures are implemented to protect personal information against unauthorized access, alteration, disclosure, or destruction. These include:

HTTPS encrypted connections on all official sites
Payment processing exclusively by PCI-DSS certified providers
Limited storage of sensitive information

However, no method of transmission over the internet is 100% secure, and absolute protection is not guaranteed.

5. User rights

As a User, you have the right to:

Access: know what data is held about you
Rectification: request correction of incorrect information
Deletion: request deletion of your data
Opposition: oppose the processing of your data
Portability: receive a copy of your data in standard format

Requests can be sent to the Author through the official channels of the Course. They will be responded to within a reasonable timeframe.

6. Cookies and similar technologies

The Course's distribution platform may use cookies or similar technologies to improve the User's experience. This is governed by the policies of the specific platform used.

Types of cookies that may be used:

Essential cookies: necessary for the site to function
Analytical cookies: to understand how the site is used (e.g., Google Analytics)
Payment cookies: managed by payment processors

7. Minors

The Course is not directed at minors under 18 years old. Information from minors is not intentionally collected. If a parent or guardian discovers that a minor has provided information, they should contact the Author for its deletion.

8. Changes to this policy

This policy may be updated. Changes will be published at the same location where the Course is distributed. The date of the last update will be clearly shown at the beginning of the document.

9. Contact

For questions, requests, or complaints about privacy, contact the Author through the official channels of the Course.