Introduction

At CognetraLogics, we understand that your privacy matters. This policy explains how we collect, use, and protect your personal information when you use our long-term budgeting services and educational resources.

We operate from Taiwan and comply with local data protection regulations while maintaining international best practices. Your trust is important to us, and we want you to feel confident about sharing information necessary for our budgeting services.

Information We Collect

Personal Information

When you sign up for our budgeting programs or contact us, we collect:

• Name and contact details (email, phone number)
• Financial goals and budgeting preferences
• Basic demographic information relevant to financial planning
• Payment information for our services
• Communication preferences and feedback

Financial Data

To provide effective budgeting guidance, we may collect:

• Income ranges and expense categories
• Savings goals and timeline preferences
• Budget tracking preferences and habits
• Financial challenges and priorities

Technical Information

Like most websites, we automatically collect certain technical data:

• IP address and general location information
• Browser type and device information
• Pages visited and time spent on our site
• Referral sources and search terms used

How We Use Your Information

We use your information specifically to:

• Provide personalized budgeting guidance and educational content
• Communicate about our services, appointments, and program updates
• Improve our educational materials based on common questions and needs
• Process payments and manage your account
• Send relevant financial planning tips and resources (with your consent)
• Respond to customer service inquiries and technical issues

We analyze aggregated, anonymous data to understand how people use our budgeting tools and what topics are most helpful. This helps us create better educational content and improve our services.

Information Sharing and Disclosure

When We Share Information

We only share your personal information in these specific situations:

Situation	What We Share	Purpose
Payment Processing	Billing information only	To process payments securely
Legal Requirements	Minimum necessary information	Comply with Taiwan regulations
Service Providers	Contact details for delivery	Email delivery, customer support
Business Transfer	Account information	If company ownership changes

Third-Party Services

We work with trusted service providers who help us operate our business. These include email service providers, payment processors, and analytics tools. All third parties are required to protect your information and use it only for specified purposes.

We do not sell your personal information to marketers, advertisers, or data brokers. Your budgeting information stays within our service ecosystem.

Data Security and Protection

We take several measures to protect your information:

• SSL encryption for all data transmission
• Secure servers with limited access controls
• Regular security audits and updates
• Employee training on data protection practices
• Backup systems to prevent data loss

While we implement strong security measures, no online system is completely secure. We encourage you to use strong passwords and contact us immediately if you notice any suspicious activity with your account.

Your Privacy Rights

Access and Control

You have several rights regarding your personal information:

• Access: Request a copy of the personal information we have about you
• Correction: Update or correct any inaccurate information
• Deletion: Request deletion of your personal information
• Portability: Receive your data in a usable format
• Opt-out: Unsubscribe from marketing communications
• Restriction: Limit how we use your information

How to Exercise Your Rights

To request access, corrections, or deletion of your information, contact us at support@cognetralogics.com. We'll respond within 30 days and verify your identity before processing requests.

You can update your communication preferences by logging into your account or clicking unsubscribe links in our emails. Some information may need to be retained for legal or business purposes even after you request deletion.

Data Retention

We keep your information for different periods depending on its purpose:

• Account information: Until you close your account plus 3 years
• Financial planning data: 5 years after last interaction
• Communication records: 2 years for customer service purposes
• Payment records: 7 years as required by Taiwan tax law
• Marketing preferences: Until you opt out

After these periods, we securely delete or anonymize your information. Some aggregated, non-identifiable data may be kept longer to help improve our services.

International Data Transfers

Our primary servers are located in Taiwan. However, some of our service providers may process data in other countries. When this happens, we ensure:

• Adequate legal protections are in place
• Data processing agreements meet international standards
• Your rights remain protected regardless of location

We only work with service providers who demonstrate strong data protection practices and comply with relevant privacy regulations.

Cookies and Tracking

Our website uses cookies to improve your experience and understand how our site is used. We use:

• Essential cookies: Required for basic website functionality
• Analytics cookies: Help us understand visitor behavior and improve our site
• Preference cookies: Remember your settings and login status

You can control cookie settings through your browser, though some website features may not work properly if you disable essential cookies. We don't use tracking cookies for advertising purposes.

Children's Privacy

Our budgeting services are designed for adults managing their finances. We don't knowingly collect information from children under 18. If you believe we've accidentally collected information from a minor, please contact us immediately so we can delete it.

Parents interested in teaching budgeting skills to teenagers should supervise any use of our educational materials and contact us before sharing any personal information.

Changes to This Policy

We may update this privacy policy occasionally to reflect changes in our services or legal requirements. When we make significant changes, we'll:

• Email active users about important updates
• Post a notice on our website
• Update the "last modified" date at the top of this policy
• Give you time to review changes before they take effect

We encourage you to review this policy periodically. Continued use of our services after changes indicates your acceptance of the updated policy.