At Balance Sheet Mastery, we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and safeguard your data when you use our website and services. By accessing or using our platform, you consent to the practices described in this policy.

1. Information We Collect
We collect personal data to provide you with an effective and customized learning experience. This information may include:

• Full name and contact details (email address, phone number)

• Payment information for course enrollment

• Login credentials and account activity

• Technical data such as IP address, browser type, and device information
  We collect data through registration forms, cookies, and analytics tools to improve our services and user experience.

2. How We Use Your Information
Your data is used exclusively for legitimate purposes related to the delivery and improvement of our services, including:

• Creating and managing your learning account

• Processing payments and invoices

• Providing technical and user support

• Sending important updates, notifications, and learning materials

• Conducting data analysis to improve the quality and usability of our platform

3. Data Storage and Security
We use secure servers and encrypted data systems to protect your personal information. Access to your data is limited to authorized personnel who require it for operational purposes. All reasonable technical and organizational measures are taken to prevent data loss, misuse, or unauthorized access.

4. Data Sharing
Balance Sheet Mastery does not sell, rent, or share personal information with third parties except in the following situations:

• When required by law or legal authorities

• When necessary to process payments or provide essential technical services

• When you provide explicit consent for data sharing with external educational or certification partners

5. GDPR Compliance
In accordance with the General Data Protection Regulation (GDPR), users located in the European Economic Area have specific rights regarding their personal data. These rights include:

• The right to access your stored data

• The right to request correction or deletion of your data

• The right to restrict processing or object to certain uses of your data

• The right to data portability
  If you wish to exercise any of these rights, please contact us at support@balmaspro.com. We will respond to your request within a reasonable timeframe in compliance with GDPR standards.

6. Privacy Policy Statement
Balance Sheet Mastery ensures transparency and accountability in the handling of user data. We only collect the information necessary for the operation of our services and never use your personal data for unrelated purposes. Our privacy practices are designed to meet international standards for data protection and user trust.

7. Cookie Policy
Our website uses cookies to enhance the browsing experience, personalize content, and analyze site performance. Cookies are small files stored on your device that help us recognize returning users and improve service efficiency. You can manage or disable cookies through your browser settings at any time. However, please note that disabling cookies may affect the functionality of certain features on our website.

8. User Rights and Data Retention
We retain personal data only as long as necessary to fulfill the purposes outlined in this policy. Once data is no longer required, it is securely deleted or anonymized. You have the right to review, modify, or delete your account data at any time by contacting our support team.

9. Changes to This Policy
We may update this Privacy Policy periodically to reflect changes in regulations or internal practices. The revised version will be published on this page, and the effective date will be updated accordingly. Continued use of our platform after any changes implies acceptance of the updated terms.

10. Contact Information
If you have questions, concerns, or requests regarding this Privacy Policy, please contact us at support@balmaspro.com. We take your privacy seriously and are dedicated to maintaining your trust and security.