Privacy Policy

1.Information We Collect

We collect personal information when you voluntarily provide it by registering, purchasing, subscribing, completing forms, interacting with our platforms or communicating with us. This information may include:

• Identification data: full name, email address, phone number.
• Payment data: information securely processed by our authorized payment providers. The Company does not store credit or debit card data directly.
• Demographic data: country, language, content preferences.
• Navigation data: IP address, browser type, pages visited, time spent, traffic source, device used.
• Interaction data: messages sent through forms, chatbots, WhatsApp or email.
• Content consumption data: course progress, membership sessions, attendance at webinars and virtual events.

2.Use of Information

The information collected is used exclusively for the following purposes:

• Processing purchases, payments and access to digital products and services.
• Sending transactional communications related to your purchase or registration.
• Sending promotional, educational and marketing communications with your prior consent.
• Personalizing your experience on the Platforms.
• Improving the design, content and operation of our products and services.
• Complying with legal obligations and resolving disputes.
• Protecting the security of the Platforms and preventing fraud.
• Managing interaction with artificial intelligence agents and automations.

Important: The Company does not sell, rent or transfer your personal information to third parties for their own commercial purposes. We only share it with authorized service providers under confidentiality agreements, or when required by a court order.

3.Cookies and Tracking Technologies

The Platforms use cookies and similar third-party analytics, advertising and tracking technologies to improve the user experience, analyze traffic and optimize our marketing communications. By using the Platforms, you consent to the use of these technologies.

Types of cookies we use:

• Essential cookies: necessary for the basic functioning of the Platforms. They cannot be disabled.
• Analytical cookies: allow us to understand how users interact with the Platforms through web traffic measurement and analysis tools.
• Marketing cookies: used to display relevant content and advertising based on your browsing behavior, through advertising tracking tools.
• Preference cookies: store language, region and personalized experience settings.

You can control or delete cookies from your browser settings. Please note that disabling certain cookies may affect the functionality of the Platforms. The tracking tools used on the Platforms may change over time as the Company incorporates new analytics and advertising technologies.

4.Sharing Information with Third Parties

The Company may share your personal information only in the following circumstances:

• Authorized service providers: companies acting on behalf of the Company to operate the Platforms, including payment processors, digital content delivery platforms, email marketing and analytics tools, under confidentiality agreements that prohibit them from using such data for their own purposes.
• Business partners and affiliates: individuals or companies authorized to collaborate with the Company in the promotion or provision of services, who may receive limited access to data strictly necessary for such collaboration, under confidentiality agreements.
• Legal requirement: when required by law, regulation, judicial process or valid governmental order.
• Rights protection: when necessary to protect the rights, property or safety of the Company, its users or the general public.
• Corporate transactions: in the event of a merger, acquisition or sale of assets, your information may be transferred as part of such transaction, with prior notice.

5.Consent for Promotional Communications

By registering, purchasing or subscribing through any of the Platforms, you expressly consent to receive electronic communications from Cosmos Digital Group LLC and the brands under its operation, which may include:

• Emails with educational, promotional and news content.
• SMS messages to the phone number provided.
• WhatsApp messages to the phone number provided.
• Notifications related to products, services, events, webinars and special offers.

You may cancel your subscription to promotional communications at any time by clicking the unsubscribe link included in any email, replying "STOP" to any SMS message, or managing your subscription directly from the platform or application where you acquired the service.

Cancellation of promotional communications does not affect the sending of strictly necessary transactional communications related to your active purchase or membership.

6.Use of Artificial Intelligence and Automations

The Platforms may incorporate artificial intelligence agents, chatbots and automation systems designed to improve the user experience, answer inquiries, manage sales processes and provide support. By interacting with these systems, you acknowledge and agree that:

• AI agents may collect and process information you provide during the interaction, including name, email, phone number and inquiries made.
• Information collected by these systems is used to improve service quality and personalize your experience. It is not shared with third parties except as indicated in Section 4.
• Responses generated by artificial intelligence are informational in nature and do not constitute legal, financial, medical, psychological or any other professional advice.
• The Company implements reasonable security measures to protect information processed by these systems.

The use of any artificial intelligence tool or automation on the Platforms implies automatic acceptance of the terms described in this section.

7.Information Security

The Company implements reasonable technical, administrative and physical measures to protect your personal information against unauthorized access, alteration, disclosure or destruction. However, no security system is completely infallible. The transmission of information over the internet carries inherent risks that the Company cannot guarantee to eliminate entirely.

In the event of a security breach affecting your personal data, the Company will notify you in accordance with applicable law.

8.User Rights

In accordance with applicable laws, including the General Data Protection Regulation (GDPR) for users in the European Union and the California Consumer Privacy Act (CCPA) for California residents, you have the following rights:

• Access: request a copy of the personal data we hold about you.
• Rectification: request correction of inaccurate or incomplete data.
• Deletion: request deletion of your personal data, subject to legal retention obligations.
• Portability: request transfer of your data to another provider in a structured format.
• Objection: object to the processing of your data for direct marketing purposes.
• Non-discrimination: you will not be discriminated against for exercising any of these rights.

To exercise any of these rights, contact us at [email protected]. We will respond within the timeframes established by applicable law.

9.Minors

The Platforms are intended for adults. Minors may only access them under the supervision and responsibility of their parents or legal guardians, who assume full responsibility for such access, including the use of content related to artificial intelligence, automations and business development. The Company cannot verify the age of its users and disclaims all liability arising from unsupervised access by minors.

10.Data Retention

The Company retains your personal information for as long as necessary to fulfill the purposes described in this Policy, unless the law requires or permits a longer retention period. The criteria used to determine retention periods include the duration of the business relationship, applicable legal and tax obligations, and dispute resolution.

11.International Data Transfers

The personal information you provide to us may be transferred, stored and processed in the United States of America or other countries where we operate or where our service providers are located, regardless of the country from which you access the Platforms or make a purchase. This includes, without limitation, countries in Latin America, Europe, Asia and any other region of the world.

By using the Platforms, you expressly consent to this international data transfer. The Company will adopt adequate contractual and security measures to ensure that your data is treated with the same level of protection described in this Policy, regardless of your geographic location.

12.Changes to this Policy

The Company reserves the right to modify this Privacy Policy at any time. Any changes will be effective upon publication on the Platforms. The "Last updated" date at the top of the document will reflect the current version. We recommend that you review this Policy periodically. Your continued use of the Platforms after changes are published constitutes your acceptance of those changes.