Privacy Policy
Last Updated: January 15, 2025
We believe transparency matters when handling your information. This policy explains how Krixo Pwilu collects, uses, and protects your data while you explore investment awareness education.
Who We Are
Krixo Pwilu operates as an educational platform focused on investment awareness for individuals in Belgium and beyond. Our registered address is Rue des Bruyères 148, 7034 Mons, Belgium. When we mention "we," "us," or "our" throughout this document, we're referring to Krixo Pwilu.
You can reach our privacy team directly at [email protected] or by calling +3251206011 during business hours.
What Information We Collect
Let's be straight about what we gather. When you interact with our platform, several types of data come into play.
Account Information
Your name, email address, and contact details when you sign up for our learning programs or newsletters.
Usage Data
Information about how you navigate our site, which pages you visit, and how long you stay on each section.
Technical Data
IP addresses, browser types, device information, and operating systems that help us optimize your experience.
Communication Records
Any messages you send us through contact forms, emails, or phone calls for support purposes.
Information You Provide Directly
When you fill out forms on our website, register for learning programs, or contact our team, you're choosing to share specific details with us. This might include your full name, email address, phone number, and sometimes your investment experience level. We only ask for information that helps us provide better educational content.
Information We Collect Automatically
Like most websites, ours collects certain data automatically through cookies and similar technologies. This includes your IP address, the pages you visit, time spent on our site, and the links you click. We use this to understand how people interact with our content and where we can improve.
How We Use Your Information
We're not in the business of collecting data just to have it sit in a database. Here's what actually happens with your information:
- Delivering educational content and learning program materials you've requested
- Sending updates about new courses, articles, and investment awareness resources
- Responding to your questions and providing support when you reach out
- Improving our website functionality based on how visitors use different features
- Personalizing content recommendations to match your learning interests
- Maintaining security and preventing fraudulent activities on our platform
- Complying with legal obligations under Belgian and European data protection laws
- Analyzing trends to create more relevant educational materials
We never sell your personal information to third parties. That's not how we operate, and it never will be.
Legal Basis for Processing
Under the General Data Protection Regulation (GDPR), which applies in Belgium, we need a lawful reason to process your personal data. Here's where we stand:
Consent
When you sign up for newsletters or optional communications, you're giving us explicit permission to use your data for those purposes. You can withdraw this consent anytime.
Contractual Necessity
If you enroll in a learning program, we need certain information to deliver that service. Without it, we simply can't provide what you've signed up for.
Legitimate Interests
We process some data to improve our services and protect our platform from security threats. This falls under legitimate business interests, but we always balance this against your privacy rights.
Legal Obligations
Sometimes Belgian or European law requires us to retain or process certain information. We do this only when legally necessary.
Who We Share Data With
We keep your information close, but there are situations where sharing becomes necessary.
Service Providers
We work with third-party companies that help us run our platform. This includes email service providers, hosting companies, and analytics tools. These partners only access the data they need to perform their specific functions, and they're contractually bound to protect your information.
Legal Requirements
If Belgian authorities or law enforcement agencies request information as part of a legal investigation, we may be required to comply. We'll notify you about such requests unless legally prohibited from doing so.
Business Transfers
In the unlikely event that Krixo Pwilu merges with another company or undergoes acquisition, your data would transfer as part of that transaction. Any new owner would be bound by this privacy policy unless you consent to changes.
International Data Transfers
We primarily store data within the European Economic Area. However, some of our service providers operate servers in other countries. When data moves outside the EEA, we ensure appropriate safeguards are in place through standard contractual clauses approved by the European Commission.
If you're accessing our site from outside Belgium, your information will be transferred to and processed in Belgium, where our primary operations are based.
Your Rights Under GDPR
Belgian and European law gives you significant control over your personal data. These aren't just empty words on a policy page.
Right to Access
You can request a copy of all personal data we hold about you. We'll provide this in a commonly used electronic format within 30 days.
Right to Rectification
If any information we have is incorrect or incomplete, you can ask us to fix it. We'll update our records promptly once you point out the error.
Right to Erasure
Also known as the "right to be forgotten." You can request deletion of your personal data in certain circumstances, such as when it's no longer necessary for the purposes we collected it.
Right to Restrict Processing
You can ask us to pause processing your data while we investigate a complaint or verify accuracy. During this time, we'll store the information but not actively use it.
Right to Data Portability
You can receive your data in a structured, machine-readable format and transmit it to another service provider if you choose.
Right to Object
You can object to processing based on legitimate interests or for direct marketing purposes. We'll stop unless we have compelling legitimate grounds to continue.
To exercise any of these rights, send an email to [email protected] with "Data Rights Request" in the subject line. We'll respond within one month.
How Long We Keep Your Data
We don't keep information longer than necessary. Here's our retention approach:
| Data Type | Retention Period |
|---|---|
| Account information for active users | Duration of account plus 3 years after closure |
| Learning program enrollment records | 5 years after program completion |
| Email marketing data for unsubscribed users | 30 days after unsubscribe request |
| Website analytics and usage logs | 26 months from collection date |
| Support ticket communications | 3 years after ticket closure |
| Financial transaction records | 7 years as required by Belgian law |
After these periods expire, we securely delete or anonymize the data so it can no longer identify you personally.
Security Measures
Protecting your information isn't optional for us. We implement multiple layers of security to prevent unauthorized access, disclosure, or loss.
Technical Safeguards
Our website uses SSL encryption for all data transmission. This means information traveling between your browser and our servers is encrypted and unreadable to anyone trying to intercept it. We also maintain firewalls, intrusion detection systems, and regular security audits.
Access Controls
Only authorized team members can access personal data, and only when necessary for their specific job functions. We use role-based access controls and require strong authentication for all systems containing user information.
Data Backups
We maintain encrypted backups stored in secure European data centers. These backups follow the same security standards as our primary systems.
Incident Response
If a data breach occurs, we have procedures to contain the incident quickly and notify affected individuals within 72 hours, as required by GDPR. We'll also inform the Belgian Data Protection Authority when legally required.
Cookies and Tracking Technologies
Our website uses cookies to function properly and provide a better experience. When you first visit, you'll see a notice explaining this and giving you control over non-essential cookies.
Essential Cookies
These are necessary for the website to work. They enable basic functions like page navigation and access to secure areas. The site can't function properly without them.
Analytics Cookies
We use these to understand how visitors interact with our website. This helps us identify which content resonates and where people encounter problems. The data is aggregated and doesn't identify you personally.
Preference Cookies
These remember your choices, like language preferences or font size adjustments, so you don't have to reset them every visit.
You can control cookies through your browser settings, though disabling certain types may affect how the website functions for you.
Children's Privacy
Our services aren't directed at anyone under 16 years old. We don't knowingly collect personal information from children. If you're a parent or guardian and believe your child has provided us with personal data, contact us immediately at [email protected], and we'll delete it promptly.
Changes to This Policy
We review and update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email if you have an account with us, or through a prominent notice on our website.
The "Last Updated" date at the top of this page shows when the most recent changes took effect. We encourage you to review this policy occasionally to stay informed about how we protect your information.
Supervisory Authority
If you're not satisfied with how we handle your data or our response to your rights requests, you have the right to lodge a complaint with the Belgian Data Protection Authority:
Autorité de protection des données
(APD)
Rue de la Presse 35
1000 Brussels, Belgium
You can also contact them through their website or file a complaint online. This right doesn't affect any other legal remedies you may have.
Questions About This Policy?
If anything in this privacy policy is unclear or you have specific questions about how we handle your data, we're here to help.
Email: [email protected]
Phone: +32 51 20 60 11
Mail: Rue des Bruyères 148, 7034 Mons, Belgium
We typically respond to privacy inquiries within three business days.