Privacy Policy

Effective date: [31/3/2026]
Last updated: [31/3/2026]

Capital & Competence University and CapitalAndCompetenceUniversityLLC (collectively, "CCU," "we," "us," or "our") respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, disclose, and protect information when you visit our websites, enroll in our programs, use our community features, engage with our mentorship services, interact with our website chat, or otherwise use our services.

1. Who We Are

Capital & Competence University is a global digital Forex education and mentorship institution operated by CapitalAndCompetenceUniversityLLC and related educational operations, where applicable, with operations connected to the United States and Jamaica.

Contact email: capitalcompetenceuniversity@gmail.com
Business location: Jamaica and the United States (online operations)
Website: https://capitalandcompetenceuniversity.com/

2. Scope of This Policy

This Privacy Policy applies to personal information collected through:

our website and landing pages;
course platforms and learning portals;
community and member environments;
mentorship applications and enrollment forms;
email communications and newsletters;
website chat, chatbot, and customer support tools;
live sessions, webinars, and recorded educational events;
waitlists, surveys, quizzes, and assessments; and
any other online service we operate that links to this Privacy Policy.

3. Information We Collect

We may collect the following categories of information:

A. Information you provide directly

Name
Email address
Phone number
Billing information
Country or region
Program applications and responses
Mentorship inquiries
Messages sent through forms, email, or website chat
Community profile details such as display name, bio, and profile image
Information you provide during support requests, live sessions, or community participation

B. Learning and account information

Course enrollments
Progress through modules
Quiz and assessment results
Attendance at live sessions or webinars
Community participation data
Account preferences and settings

C. Technical and usage data

IP address
Browser type
Device type
Operating system
Pages visited
Time spent on pages
Referral information
Log data
Cookie and analytics data

D. Payment and transaction information

Payments may be processed through Teachable and its connected payment processing systems or providers. We may receive limited payment-related information such as transaction status, billing identifiers, purchase history, and enrollment confirmation, but we do not store full payment card details unless explicitly stated.

E. Recordings and session content

Live sessions, webinars, mentorship calls, and community events may be recorded. If you participate, your voice, image, comments, questions, screen content, or related contributions may be included in recordings where applicable.

4. How We Use Your Information

We may use personal information to:

provide access to courses, mentorship, community features, and educational services;
process enrollments, purchases, and account creation;
deliver educational materials, live sessions, and recorded content;
operate quizzes, assessments, and progression-based learning features;
communicate with you about programs, updates, support, enrollment windows, or service announcements;
provide website chat, chatbot assistance, and customer support;
personalize educational experiences and community access where applicable;
improve our website, services, curriculum, and user experience;
monitor platform performance, usage, and security;
enforce our Terms & Conditions and community rules;
comply with legal obligations; and
protect our business, users, systems, and community.

5. Legal Bases and International Privacy Frameworks

Where applicable under privacy laws such as the UK GDPR, EU GDPR, or similar frameworks, we may process personal information based on:

your consent;
performance of a contract;
our legitimate interests, where appropriate;
legal obligations; or
other lawful bases permitted by law.

If you are located in a jurisdiction that gives you privacy rights, we will handle your information in accordance with applicable law.

6. Cookies, Tracking, and Analytics

We may use cookies, pixels, analytics tools, and similar technologies, including tools or technologies used through Teachable and connected services, to remember preferences, analyze traffic and site usage, improve website functionality, measure campaign performance, and support communications and service improvements.

You may be able to control cookies through your browser settings and, where applicable, through cookie banners, consent tools, or platform-level controls made available on the site or through our service providers.

7. Sharing of Information

We may share information with:

course hosting and community platform providers;
payment processors;
email and marketing service providers;
analytics and website tools providers;
chat and customer support providers;
contractors, advisors, or service providers who support our operations;
legal or regulatory authorities where required; and
a purchaser, successor, or affiliate in the event of a business transaction, reorganization, or asset transfer.

We do not sell personal information in the ordinary meaning of that term unless explicitly disclosed.

8. International Transfers

Because CCU operates globally, your information may be transferred to and processed in countries outside your place of residence. Where required, we will take reasonable steps to use lawful mechanisms and safeguards for cross-border transfers.

9. Data Retention

We keep personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy, including to:

provide services;
maintain educational records and account history;
comply with legal, tax, accounting, or reporting obligations;
resolve disputes; and
enforce our agreements.

Retention periods may vary depending on the type of information and the reason it was collected.

10. Security

We take reasonable administrative, technical, and organizational measures to protect personal information from unauthorized access, loss, misuse, alteration, or disclosure. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

11. Your Rights

Depending on your jurisdiction, you may have rights such as:

access to your personal information;
correction of inaccurate information;
deletion of certain information;
restriction or objection to certain processing;
withdrawal of consent where processing is based on consent;
data portability; and
complaint rights with a supervisory authority or regulator.

To exercise applicable rights, contact us at [Insert Contact Email]. We may need to verify your identity before processing certain requests.

12. Age Restrictions

CCU is not intended for minors. You must be an adult under the laws of your jurisdiction to enroll in programs, participate in mentorship, join the community, or use paid services unless we expressly state otherwise in writing.

If we learn that a minor has provided personal information or accessed restricted services in violation of this policy or applicable law, we may suspend access and take appropriate steps to remove or restrict the information.

13. Third-Party Links and Services

Our website and services may link to third-party platforms, brokers, social media pages, payment tools, or external websites. We are not responsible for the privacy practices of third parties.

14. Recordings, Community Content, and Educational Use

Live sessions, webinars, mentorship calls, and educational events are routinely recorded. By participating in these environments, you acknowledge that recording notices may be provided within the session environment, on the platform, or through related communications, and you consent to such recording where permitted by law.

Where permitted by law and our Terms, we may use recordings of live sessions, anonymized examples, community content, questions, or educational discussions for internal training, curriculum improvement, replay access, or educational delivery. We will not represent this as personal financial advice.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Updated versions will be posted with a revised effective date.

16. Contact Us

If you have questions about this Privacy Policy or your personal information, contact:

Capital & Competence University / CapitalAndCompetenceUniversityLLC
capitalcompetenceuniversity@gmail.com
Jamaica and the United States (online operations)
https://capitalandcompetenceuniversity.com/