Privacy Policy

Harzel, Inc., trading as Stock Market College ("the Company", "we", "us", or "our") respects your privacy and is committed to protecting your personal information.

This Privacy Policy explains how we collect, use, disclose, store, and protect your personal information when you visit or interact with www.stockmarketcollege.com (the "Site"), purchase our products or services, or otherwise engage with us.

This Policy is designed to comply with:

• The General Data Protection Regulation (GDPR) for European users
• The California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) for California residents
• The Protection of Personal Information Act (POPIA) of South Africa
• Other applicable international and US state data protection laws

This Privacy Policy should be read together with our Terms of Purchase / Terms of Service, Disclaimers, and Website Terms & Conditions.

1. Personal Information We Collect

We collect two categories of personal information:

1.1 Device Information (Automatically Collected)

When you visit the Site, we automatically collect certain technical information, including:

• IP address
• Browser type and version
• Device type and operating system
• Time zone and approximate location
• Referring URLs and pages visited
• Interaction data (clicks, scrolling, page views)

This information is collected using:

• Cookies
• Log files
• Pixels, tags, and web beacons
• Analytics tools

Cookies are small data files placed on your device. You can manage or disable cookies via your browser settings. Some site functionality may be limited if cookies are disabled.

We do not respond to browser "Do Not Track" signals.

1.2 Information You Provide Directly ("Provided Information")

We collect personal information you voluntarily provide when you:

• Register for an account or course
• Purchase a Product
• Complete forms, surveys, or assessments
• Contact us via email, phone, LiveChat, or messaging platforms

This may include:

• Full name
• Email address
• Phone number
• Billing and contact addresses
• Account login details
• Transaction records

Payment Information

Payments are processed securely by Stripe. We do not store or have access to full credit or debit card numbers. Stripe processes payment data independently in accordance with its own privacy policy.

2. How We Use Personal Information

We use your personal information to:

• Deliver purchased Products and Content
• Provide access to our learning platforms (including Kajabi)
• Process payments and manage instalment plans
• Communicate with you regarding your account or purchases
• Provide customer support
• Screen for fraud, abuse, and unauthorised access
• Improve the functionality, performance, and security of the Site
• Conduct analytics and measure marketing effectiveness
• Send marketing communications (where permitted by law)

3. Legal Basis for Processing (GDPR & POPIA)

We process personal information based on one or more of the following lawful bases:

• Contractual necessity: To fulfil purchases and deliver Products
• Consent: For email marketing, cookies, and optional communications
• Legitimate interests: To operate, secure, and improve our business
• Legal obligation: To comply with tax, accounting, and regulatory requirements

4. Third-Party Service Providers

We share personal information with trusted third parties only as necessary to operate our business, including:

• Payment processors (e.g. Stripe)
• Learning management systems (e.g. Kajabi)
• Email delivery and communication platforms
• Customer relationship management (CRM) systems
• Analytics and performance monitoring tools
• Security and fraud-prevention providers

These third parties process personal information under contractual obligations to protect confidentiality and security.

We may also disclose information where required by law or to protect our legal rights.

5. Analytics and Behavioral Advertising

We use analytics tools (such as Google Analytics) to understand how users interact with the Site and improve performance.

We may engage in behavioral or interest-based advertising. This allows us to show relevant ads based on browsing behaviour.

You can opt out of targeted advertising using the following tools:

• Google Ads Settings
• Facebook Ad Preferences
• Digital Advertising Alliance opt-out tools

Cookie preferences can be managed via your browser or any cookie consent tools provided on the Site.

6. Email Marketing

If you purchase a Product or opt in to receive communications, we may send you:

• Transactional emails (receipts, access details, service updates)
• Marketing emails (newsletters, promotions, event invitations)

You may unsubscribe from marketing emails at any time using the unsubscribe link in our emails. Transactional communications related to your account or purchases will continue where legally required.

7. Data Retention

We retain personal information only for as long as necessary to:

• Fulfil contractual obligations
• Provide ongoing access to Products
• Comply with legal, accounting, and tax requirements
• Enforce our Terms of Service

You may request deletion of your personal information, subject to legal and contractual retention requirements.

8. Data Security

We implement commercially reasonable technical and organisational measures to protect personal information, including secure servers, access controls, and encryption where appropriate.

No system is completely secure. You provide information at your own risk.

9. International Data Transfers

Your personal information may be transferred to and processed in countries outside your country of residence, including the United States and other jurisdictions where our service providers operate.

Where required, such transfers are safeguarded using appropriate legal mechanisms, including standard contractual clauses or equivalent protections.

10. Your Data Protection Rights

Depending on your location, you may have the right to:

• Access your personal information
• Correct or update inaccurate information
• Request deletion of your data
• Restrict or object to processing
• Request data portability
• Withdraw consent at any time

To exercise these rights, contact us using the details below.

European residents also have the right to lodge a complaint with their local data protection authority.

11. Additional Rights for California Residents (CCPA/CPRA)

If you are a California resident, you have the following additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

Right to Know

You have the right to request that we disclose:

• The categories of personal information we have collected about you
• The categories of sources from which personal information is collected
• The business or commercial purpose for collecting or selling personal information
• The categories of third parties with whom we share personal information
• The specific pieces of personal information we have collected about you

Right to Delete

You have the right to request deletion of your personal information, subject to certain exceptions (such as legal obligations or ongoing transactions).

Right to Opt-Out of Sale or Sharing

We do not sell your personal information. We do not share your personal information for cross-context behavioral advertising purposes. If this changes, we will provide a clear opt-out mechanism.

Right to Correct

You have the right to request correction of inaccurate personal information we maintain about you.

Right to Limit Use of Sensitive Personal Information

If we collect sensitive personal information, you have the right to limit its use and disclosure.

Right to Non-Discrimination

We will not discriminate against you for exercising any of your CCPA/CPRA rights. We will not deny you goods or services, charge different prices, or provide a different quality of service because you exercised your rights.

How to Submit a Request

To exercise your California privacy rights, contact us at support@stockmarketcollege.com. We will verify your identity before processing your request and respond within 45 days.

12. Children's Privacy

Our Site and Products are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe a minor has provided personal information, please contact us immediately.

13. Automated Decision-Making

We do not use personal information for automated decision-making or profiling that produces legal or similarly significant effects.

14. Third-Party Websites

Our Site may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. Please review their privacy policies separately.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised "Last updated" date. Continued use of the Site constitutes acceptance of the updated policy.

16. Complaints

If you have concerns about how we process your personal information, please contact us so we can address the issue. EU residents may also lodge a complaint with their local supervisory authority. California residents may contact the California Attorney General.

17. Company Information

Harzel, Inc. t/a Stock Market College
651 N Broad St, Suite 201
Middletown, DE 19709
United States

18. Contact Information

For privacy-related questions or requests, contact:

Privacy Contact:
Email: support@stockmarketcollege.com
Phone: +27 82 908 3332
LiveChat: www.stockmarketcollege.com