Introduction and Scope

Steady Growth ("we," "our," or "us") operates as a financial stress management platform, helping individuals in the Philippines and beyond develop healthier relationships with money and financial planning. This privacy policy explains how we collect, use, store, and protect your personal information when you interact with our website, services, and educational resources.

This policy applies to all users of our platform, including visitors to our website, participants in our learning programs, and subscribers to our financial wellness content. By using our services, you acknowledge that you've read and understood these privacy practices.

Information We Collect

We collect several types of information to provide and improve our financial wellness services:

• Personal identification information such as name, email address, and contact details when you register for our programs
• Financial wellness assessment responses and progress tracking data to personalize your learning experience
• Communication records including support tickets, feedback submissions, and program inquiries
• Technical information like IP addresses, browser type, and device information for security and optimization
• Usage analytics including pages visited, time spent on content, and feature interactions
• Payment information for our premium services, processed through secure third-party payment processors

We never collect sensitive financial account numbers, passwords, or detailed personal financial data. Our platform focuses on educational content and stress management techniques rather than direct financial management.

How We Use Your Information

Your information helps us deliver effective financial wellness education and support:

• Providing personalized financial stress management content based on your learning preferences and progress
• Sending relevant educational materials, program updates, and wellness tips via email newsletters
• Improving our platform features and developing new educational resources based on user feedback
• Ensuring platform security and preventing unauthorized access to your account
• Facilitating communication between you and our educational support team
• Processing enrollment in our learning programs and managing your participation

We use your data solely for legitimate educational and operational purposes. We don't sell personal information to third parties or use it for unrelated marketing purposes outside our financial wellness mission.

Data Sharing and Third Parties

We maintain strict controls over data sharing while working with trusted partners to deliver our services:

• Educational content delivery partners who help us provide specialized financial wellness resources
• Payment processing services that handle subscription and program fee transactions securely
• Cloud hosting providers that store our platform data with enterprise-level security measures
• Analytics services that help us understand how users engage with our educational content
• Communication platforms that facilitate our email newsletters and program notifications

All third-party partners are required to maintain the same level of data protection we provide. We never share personal information for their independent marketing purposes, and we regularly audit their security practices.

In certain circumstances, we may disclose information if required by Philippine law, court orders, or to protect the safety and rights of our users and staff.

Your Privacy Rights

Under Philippine privacy law and our commitment to transparency, you have several important rights regarding your personal data:

• Access - Request a copy of all personal information we hold about you, including how we use it
• Correction - Update or correct any inaccurate or incomplete personal information in your account
• Deletion - Request removal of your personal data, subject to legal and operational requirements
• Portability - Receive your data in a commonly used format for transfer to another service
• Objection - Object to certain processing activities, particularly for marketing communications
• Withdrawal - Withdraw consent for data processing where we rely on your consent

To exercise these rights, contact us using the information provided below. We'll respond within 30 days and may need to verify your identity before processing certain requests. Some rights may be limited by legal obligations or legitimate business needs.

Data Security and Protection

We implement comprehensive security measures to protect your information from unauthorized access, alteration, disclosure, or destruction:

• SSL encryption for all data transmission between your device and our servers
• Regular security audits and penetration testing of our platform infrastructure
• Access controls limiting staff access to personal data on a need-to-know basis
• Secure data centers with physical access controls and environmental monitoring
• Regular backups stored in geographically separate, secure locations
• Incident response procedures for rapid detection and containment of security threats

While we maintain robust security measures, no system is completely immune to threats. We encourage users to use strong, unique passwords and to report any suspicious activity immediately.

Data Retention and Deletion

We retain personal information only as long as necessary to fulfill the purposes outlined in this policy:

• Active user accounts and learning progress data are maintained while your account remains active
• Communication records are kept for three years to support ongoing educational relationships
• Financial transaction records are retained for seven years as required by Philippine law
• Technical logs and analytics data are automatically deleted after two years
• Marketing communication preferences are maintained until you opt out or request deletion

When you request account deletion, we remove personal identifiers within 90 days while maintaining anonymized data for research and improvement purposes. Some information may be retained longer where required by law or legitimate business needs.

International Data Transfers

While Steady Growth operates primarily within the Philippines, some of our service providers and partners may process data internationally. When we transfer personal data outside the Philippines, we ensure appropriate safeguards are in place:

• We only work with countries and providers that maintain adequate data protection standards
• All international partners sign comprehensive data processing agreements with strong privacy commitments
• We regularly monitor and audit international processing activities for compliance
• Users are notified of any significant changes to international data handling practices

If you have concerns about international data transfers, please contact us to discuss your specific situation and available options.

Children's Privacy Protection

Our financial wellness platform is designed for adults aged 18 and older. We do not knowingly collect personal information from children under 18 without parental consent. If we discover that we've inadvertently collected information from a minor, we'll delete it promptly.

Parents or guardians who believe their child has provided personal information to us should contact our privacy team immediately. We're committed to working with families to address any concerns and ensure appropriate data handling.

Policy Updates and Changes

We may update this privacy policy periodically to reflect changes in our services, legal requirements, or data handling practices. When we make significant changes, we'll notify users through:

• Email notifications to registered users at least 30 days before changes take effect
• Prominent notices on our website homepage and user dashboard
• Updated version dates and change summaries in the policy document itself

We encourage users to review this policy regularly. Continued use of our services after policy updates constitutes acceptance of the revised terms, though you always retain the right to discontinue service if you disagree with changes.