Privacy Policy

Last Updated: December 2024

Effective Date: December 2024

Kinfora ("we," "our," or "us") operates a professional trading education platform. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, mobile applications, and services (collectively, the "Platform").

Please read this Privacy Policy carefully. By accessing or using our Platform, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy.

1. Information We Collect

1.1 Information You Provide Directly

When you register for an account or use our Platform, we may collect:

• Account Information: Name, email address, username, and password
• Profile Information: Educational background, trading experience level, learning goals
• Payment Information: Billing address and payment method details (processed securely through Stripe; we do not store full credit card numbers)
• Communications: Messages, support requests, feedback, and community forum posts
• Educational Credentials: Information necessary to issue and verify blockchain certificates

1.2 Information Collected Automatically

When you access our Platform, we automatically collect:

• Device Information: Browser type, operating system, device identifiers, screen resolution
• Usage Data: Pages visited, features used, time spent on Platform, click patterns
• Log Data: IP address, access times, referring URLs, error logs
• Learning Analytics: Course progress, quiz scores, time spent on lessons, learning patterns
• Simulation Data: Virtual trading activity, paper trading decisions, portfolio performance (all simulated, no real trading)

1.3 AI and Automated Processing

1.4 Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Keep you signed in and remember your preferences
• Track your learning progress across sessions
• Analyze Platform usage and performance
• Provide relevant educational recommendations
• Detect and prevent fraud or abuse

You can control cookies through your browser settings. See our Cookie Policy for more details.

2. How We Use Your Information

2.1 Provide Educational Services

• Deliver and personalize educational content and courses
• Power the trading simulation platform with virtual capital
• Operate the AI Trading Coach for educational guidance
• Administer certification exams and issue blockchain certificates
• Track and display your learning progress and achievements
• Facilitate community forums and peer learning

2.2 Process Transactions

• Process subscription payments for Trader Pro and Professional tiers
• Send transaction confirmations and billing communications
• Manage refunds and billing inquiries

2.3 Communications

• Send administrative messages about your account
• Deliver educational newsletters (with your consent)
• Notify you about new courses, features, and certifications
• Respond to support inquiries and feedback

2.4 Improve Our Platform

• Analyze usage patterns to improve educational content
• Develop new features, courses, and learning tools
• Conduct research on effective trading education methods
• Train and improve our AI systems (using anonymized data)

2.5 Safety and Compliance

• Detect, prevent, and investigate fraud or abuse
• Enforce our Terms of Service
• Comply with legal obligations
• Protect the rights, safety, and property of Kinfora and our users

3. Information Sharing and Disclosure

We may share your information in these limited circumstances:

3.1 Service Providers

We share information with trusted partners who help us operate the Platform:

• Cloud hosting and infrastructure (Google Cloud Platform)
• Payment processing (Stripe)
• Email delivery services
• Analytics providers
• Customer support tools

These providers are contractually bound to protect your information and may only use it for the specific services they provide to us.

3.2 Blockchain Certificates

When you earn a Kinfora certificate:

• Your certificate is minted as an NFT on the Polygon blockchain
• Public information (certificate title, your name as you provided it, issue date) is recorded on-chain
• This information becomes publicly verifiable through your unique certificate URL
• You control sharing your certificate through LinkedIn integration or your public profile

3.3 Community Features

Information you choose to share in community forums, discussions, or your public profile is visible to other users. Please be mindful of what you share publicly.

3.4 Legal Requirements

We may disclose information when required by law, court order, or government request, or when necessary to protect our rights, safety, or property.

3.5 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred. We will notify you of any such change in ownership or control.

4. Data Security

We implement appropriate technical and organizational measures to protect your information:

• Encryption: Data encrypted in transit (TLS/SSL) and at rest
• Access Controls: Role-based access controls and multi-factor authentication
• Regular Audits: Security assessments and vulnerability testing
• Employee Training: Staff training on data protection practices
• Secure Infrastructure: Hosted on Google Cloud Platform with enterprise-grade security

While we strive to protect your information, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security.

5. Your Rights and Choices

5.1 Access and Portability

You have the right to:

• Access the personal information we hold about you
• Request a copy of your data in a portable format
• View your learning progress and simulation history

5.2 Correction

You can update your account information at any time through your profile settings, or contact us to correct inaccurate data.

5.3 Deletion

You may request deletion of your account and personal data. Note:

• Some information may be retained for legal compliance (e.g., transaction records)
• Blockchain certificates cannot be deleted from the blockchain (but can be revoked)
• Anonymized or aggregated data may be retained for analytics

5.4 Communication Preferences

• Unsubscribe from marketing emails using the link in each message
• Manage notification preferences in your account settings
• Note: You cannot opt out of essential account-related communications

5.5 Opt-Out of AI Processing

You may opt out of AI-powered features like personalized recommendations, though this may limit your learning experience.

6. Data Retention

We retain your information for as long as necessary to:

• Provide our services and maintain your account
• Comply with legal obligations
• Resolve disputes and enforce agreements
• Maintain educational records and certification history

When you delete your account, we will delete or anonymize your personal data within 90 days, except where retention is required by law or for legitimate business purposes.

7. International Data Transfers

Kinfora is based in the United States. If you access our Platform from outside the US:

• Your information may be transferred to and processed in the United States
• We implement appropriate safeguards for international data transfers
• By using our Platform, you consent to these transfers

7.1 European Users (GDPR)

If you are in the European Economic Area, you have additional rights:

• Right to object to processing based on legitimate interests
• Right to restrict processing in certain circumstances
• Right to lodge a complaint with a supervisory authority

Our legal bases for processing include consent, contract performance, and legitimate interests.

7.2 California Users (CCPA/CPRA)

California residents have the right to:

• Know what personal information is collected and how it's used
• Delete personal information (with exceptions)
• Opt out of the sale of personal information (we do not sell your data)
• Non-discrimination for exercising privacy rights

8. Platform-Specific Privacy Considerations

8.1 Trading Simulation Platform

8.2 AI Trading Coach

Our AI Trading Coach:

• Analyzes your simulated trading patterns for educational feedback
• Provides personalized study recommendations
• Does not provide personalized investment advice
• Your chat history is stored to provide contextual responses
• You can delete your AI chat history at any time

8.3 Proctored Exams

During certification exams:

• We may use AI proctoring to ensure exam integrity
• Browser activity during the exam is monitored
• Exam recordings (if any) are deleted after review
• Exam results and attempt history are retained for credential verification

9. Children's Privacy

Kinfora is designed for adults (18+) interested in professional trading education. We do not knowingly collect information from children under 13 (or 16 in certain jurisdictions). If we discover we have collected such information, we will delete it immediately. If you believe a child has provided us with personal information, please contact us.

10. Third-Party Links

Our Platform may contain links to third-party websites, such as LinkedIn for certificate sharing. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

11. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in our practices, technology, or legal requirements. We will notify you of material changes by:

• Posting the updated policy on our website
• Updating the "Last Updated" date
• Sending email notifications for significant changes
• Providing prominent notice on our Platform

Your continued use of the Platform after changes indicates acceptance of the updated Privacy Policy.

12. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us: