Privacy Policy

At Tuverae, we collect information to provide you with better credit education services and improve your financial learning experience. Here's what we gather and why:

We also collect technical information automatically when you use our platform. This includes your IP address, browser type, device information, and how you interact with our educational content. Think of it as understanding which learning materials help you most effectively.

• Account registration data (name, email, password)
• Educational progress and quiz results
• Communication preferences and feedback
• Device and browser information for optimization
• Usage patterns to improve our teaching methods

We don't collect sensitive financial data like bank account numbers or credit card details beyond what's necessary for our educational assessments. Your actual financial accounts remain private and separate from our platform.

Your information helps us create a personalized learning experience that actually works for your financial situation. We're not just collecting data for the sake of it – every piece of information serves a specific purpose in your credit education journey.

We also use your information to communicate with you about your learning progress, send educational newsletters (only if you opt in), and provide customer support when you need help understanding credit concepts.

Sometimes we analyze user data in aggregate – meaning we look at patterns across all users without identifying individuals. This helps us understand which teaching methods work best and where we should focus our educational content development.

We believe in keeping your personal information personal. That said, there are specific situations where we might need to share certain data, and we want to be completely transparent about when and why this happens.

• Service Providers: We work with trusted companies that help us operate our platform (hosting, email services, analytics). These partners are contractually bound to protect your information.
• Legal Requirements: If required by law or to protect our users' safety, we may disclose information to law enforcement or regulatory bodies.
• Business Transfers: In the unlikely event of a merger or acquisition, your information would transfer to the new entity under the same privacy protections.
• Consent-Based Sharing: We'll ask for your explicit permission before sharing your information for any other purposes.

Our educational partners might receive anonymized, aggregated data about learning patterns to help improve financial education resources industry-wide. But this never includes personally identifiable information.

We also work with educational institutions and financial literacy organizations. When appropriate and with your permission, we might share success stories or case studies – but always with identifying details removed or modified to protect your privacy.

Protecting your information is something we take seriously, especially in the financial education space where trust is everything. We've implemented multiple layers of security to keep your data safe.

All data transmission between your device and our servers uses industry-standard encryption. Your passwords are hashed and salted, meaning even we can't see your actual password. Our servers are hosted in secure data centers with physical and digital access controls.

However, no system is completely foolproof. While we implement strong security measures, we also encourage you to do your part: use a strong, unique password for your Tuverae account, log out when using shared computers, and let us know immediately if you notice any suspicious activity.

In the unfortunate event of a data breach, we commit to notifying affected users within 72 hours and providing clear information about what happened, what data was involved, and what steps we're taking to address the situation.

Your data belongs to you, and you should have control over how it's used. We've designed our systems to give you meaningful choices about your personal information and privacy settings.

Access and Portability: You can request a copy of all personal data we have about you. We'll provide this in a commonly used format within 30 days of your request.

Correction and Updates: Found something that's not quite right? You can update most of your information directly in your account settings, or contact us to make changes to data you can't edit yourself.

Deletion Rights: Want to delete your account and associated data? We'll honor your request, though we may need to retain some information for legal or security purposes (like preventing fraud or complying with financial regulations).

Data Processing Objections: You can object to certain types of data processing, particularly for marketing purposes. We'll respect your choices while maintaining the core functionality needed for your educational experience.

To exercise any of these rights, simply contact us using the information provided at the end of this policy. We'll respond promptly and walk you through the process.

We keep your information only as long as necessary to provide our services and comply with legal obligations. Different types of data have different retention periods based on their purpose and legal requirements.

• Account Information: Retained while your account is active, plus up to 7 years after closure for legal compliance
• Educational Progress: Kept for the lifetime of your account to maintain continuity in your learning journey
• Communication Records: Customer service interactions retained for 3 years to improve support quality
• Analytics Data: Aggregated usage data may be retained indefinitely, but personal identifiers are removed after 2 years

Regarding international data transfers: Our primary servers are located in secure facilities, and we may use service providers in different countries. When your information crosses borders, we ensure appropriate safeguards are in place through standard contractual clauses or adequacy decisions.

If you're accessing our services from outside Israel, your information may be transferred to and processed in Israel or other countries where our service providers operate. We ensure these transfers maintain the same level of protection for your personal data.

Like most modern websites, we use cookies and similar technologies to make our platform work better and understand how you interact with our educational content. But we believe in being upfront about what these technologies do and giving you control over them.

Essential Cookies: These keep our platform functioning – things like remembering you're logged in, maintaining your learning progress as you navigate between lessons, and keeping your preferences intact.

Analytics Cookies: These help us understand which educational content is most helpful, where users might be getting stuck in their learning journey, and how we can improve the overall experience.

We don't use advertising cookies or tracking pixels for marketing purposes. Our focus is on education, not advertising, so we keep our tracking minimal and purposeful.

Third-party services we integrate with (like educational content providers or analytics tools) may set their own cookies. We work only with partners who maintain strong privacy standards and provide clear information about their data practices.

Financial education is important at any age, but we take extra care when it comes to younger users. Our platform is designed primarily for adults, but we recognize that teenagers and young adults often need credit education too.

For users under 18, we require parental consent before collecting any personal information. We collect only the minimum information necessary for educational purposes and don't engage in any marketing activities directed at minors.

We also recognize that some users may have special privacy needs due to their financial circumstances. If you're in a situation where privacy is particularly important (such as financial hardship, identity theft recovery, or domestic financial abuse), please contact us to discuss additional privacy protections we can implement for your account.

Our educational content sometimes includes real-world examples and case studies. We ensure these never include actual personal financial information and always maintain the privacy and dignity of individuals whose situations might inform our educational materials.

Privacy practices evolve, and so does our platform. We'll update this policy when necessary to reflect changes in our services, technology, or legal requirements. But we won't make changes that substantially reduce your privacy rights without giving you clear notice and choice.

When we make significant updates, we'll notify you through email and by posting a notice on our platform. For minor changes (like clarifying existing practices or updating contact information), we'll simply update the policy and change the "last updated" date.

If you continue using our services after we post updates to this policy, we'll consider that acceptance of the changes. However, if you disagree with significant changes, you always have the option to delete your account and discontinue using our services.

We're committed to transparency in our privacy practices. If you ever have questions about how this policy applies to your specific situation or concerns about our data handling, don't hesitate to reach out. We'd rather address your concerns directly than have you wonder about your privacy.