Who We Are

Silvana Bellavarda operates as an educational platform focused on emotional investing strategies. We're based in Belgium and provide online learning programs to help individuals understand the psychological aspects of financial decision-making. Our approach combines behavioral finance principles with practical investment education.

This privacy policy explains how we collect, use, and protect your personal information when you visit our website, participate in our programs, or communicate with us. We believe transparency about data handling builds the trust necessary for effective learning relationships.

Information We Collect

We collect information you provide directly and some data automatically through your website interactions. Here's what we gather and why:

How We Use Your Information

Your data helps us provide better educational experiences and maintain program quality. We use information for these specific purposes:

• Delivering course content and tracking your learning progress
• Sending program updates, educational resources, and relevant announcements
• Processing enrollments and managing your account access
• Providing technical support and answering your questions
• Improving our educational content based on student feedback and engagement patterns
• Ensuring website security and preventing fraudulent activities
• Complying with legal obligations under Belgian and European regulations

We don't sell your personal information to third parties, and we don't use it for unrelated marketing purposes. Our focus remains on supporting your educational journey in emotional investing.

Your Rights Under Belgian and EU Law

As someone whose data we process, you have specific rights under the General Data Protection Regulation (GDPR) and Belgian privacy laws. Here's what you can request:

Data Security Measures

We maintain physical, electronic, and procedural safeguards that comply with Belgian data protection standards. Our team receives regular training on privacy best practices, and we work with security professionals to assess and improve our protection methods.

However, no internet transmission is completely secure. While we use industry-standard protection methods, we can't guarantee absolute security. We recommend using strong passwords and keeping your login credentials confidential.

Data Retention and Deletion

We keep your information only as long as necessary for educational purposes and legal compliance:

• Active Students: Data retained during enrollment and for two years after course completion
• Inactive Accounts: Automatically purged after three years of inactivity
• Financial Records: Maintained for seven years as required by Belgian accounting regulations
• Marketing Communications: Removed immediately upon unsubscribe request
• Website Analytics: Anonymized after 26 months following Google Analytics standards

When we delete your information, we ensure it's removed from active systems and backup storage. Some anonymized data may remain in aggregated reports that can't identify individual users.

Third-Party Services and Data Sharing

We work with carefully selected service providers to deliver our educational programs effectively. These partnerships involve limited data sharing under strict confidentiality agreements:

• Payment Processors: Handle financial transactions securely without storing sensitive payment details
• Email Services: Manage course communications and educational updates with encrypted transmission
• Analytics Providers: Help us understand website usage patterns through anonymized data
• Cloud Hosting: Store course materials and student progress in secure European data centers
• Customer Support: Provide technical assistance while maintaining conversation privacy

All third-party providers meet GDPR compliance standards and are located within the European Economic Area or have adequate data protection agreements. We never share personal information for advertising purposes or with companies unrelated to your educational experience.

International Data Transfers

We primarily process data within the European Union to maintain strong privacy protections. When international transfers are necessary for technical services, we ensure adequate safeguards through:

• Standard Contractual Clauses approved by the European Commission
• Adequacy decisions recognizing equivalent protection standards
• Certification programs demonstrating compliance with EU privacy principles
• Regular assessments of international partners' data protection practices

Cookies and Website Analytics

Our website uses cookies to enhance your browsing experience and understand how people use our educational resources. You can control these settings through your browser preferences:

• Essential Cookies: Required for basic website functionality and security features
• Analytics Cookies: Help us improve content and identify popular learning topics
• Preference Cookies: Remember your language settings and accessibility choices
• Marketing Cookies: Track effectiveness of educational content promotion (optional)

You can disable non-essential cookies without affecting core website functionality. However, this might limit personalization features and our ability to understand which educational content serves students best.

Changes to This Privacy Policy

We review and update this privacy policy regularly to reflect changes in our educational programs, legal requirements, or data protection practices. Significant changes will be communicated through:

• Email notifications to active students and subscribers
• Website announcements with clear explanations of modifications
• Updated effective dates prominently displayed on this page
• Opportunity to review changes before they take effect

Continued use of our services after policy updates constitutes acceptance of new terms. If you disagree with changes, you can request data deletion or account closure at any time.