When you use our platform, we collect several types of information. Some you provide directly—like when you sign up for a course or contact us. Other information gets collected automatically as you navigate our site.

We don't collect data just for the sake of it. Each piece of information serves a specific purpose in delivering our educational services to you.

We process your personal information based on several legal grounds recognized under Belgian and EU law. Here's what that means in practice.

When you enroll in our learning programs, we need certain information to deliver the service you signed up for. We can't provide access to course materials or track your progress without processing your account data.

We process some data based on our legitimate business interests—like improving our courses or preventing fraud. We balance these interests against your privacy rights and only proceed when it's reasonable to do so.

Sometimes we're required by law to process or retain certain information. For example, Belgian tax regulations require us to maintain financial records for a minimum period. We only keep data as long as legally necessary.

We don't sell your personal information to third parties. Period. But we do work with service providers who help us run our platform, and we're transparent about those relationships.

We partner with companies that provide essential services—hosting, email delivery, payment processing, analytics. These providers can only access the data they need to perform their specific functions, and they're contractually bound to protect your information.

All our service providers operating outside Belgium meet GDPR adequacy requirements or have appropriate safeguards in place.

If Jokm Dyvolth merges with another company or undergoes restructuring, your data might be transferred as part of that transaction. We'd notify you beforehand and ensure the new entity respects your privacy rights.

We may disclose your information if required by Belgian law, court order, or government request. We'll push back against overly broad requests and notify you when legally permitted.

To exercise any of these rights, send us an email at [email protected] with your request. We'll respond within one month—or let you know if we need more time due to complexity.

We might ask you to verify your identity before processing requests to protect against unauthorized access. This is standard security practice.

If you're not satisfied with our response, you have the right to lodge a complaint with Belgium's Data Protection Authority (Autorité de protection des données / Gegevensbeschermingsautoriteit).

We implement industry-standard security measures to protect your information from unauthorized access, alteration, or destruction. Our approach includes both technical and organizational safeguards.

But let's be honest—no system is completely impenetrable. While we do everything reasonable to protect your data, we can't guarantee absolute security. If we detect a breach that poses a risk to your rights, we'll notify you and the relevant authorities as required by law.

We keep your personal information only as long as necessary for the purposes we collected it. Retention periods vary depending on the type of data and our legal obligations.

When data reaches the end of its retention period, we securely delete or anonymize it so it can no longer identify you. You can request earlier deletion by contacting us, subject to our legal obligations.

Our website uses cookies—small text files stored on your device—to make our platform work properly and understand how people use it. Some cookies are essential for basic functionality, while others help us improve your experience.

These cookies are necessary for our website to function. They enable core features like account authentication and security. You can't opt out of these through our cookie banner because the site wouldn't work without them.

We use analytics tools to understand how visitors navigate our platform—which pages are popular, where people get stuck, how long they spend on different sections. This helps us make informed improvements to the learning experience.

You can control non-essential cookies through the banner that appears when you first visit our site. You can also adjust settings later through your browser preferences, though this might limit some features.

While we're based in Belgium, some of our service providers operate servers in other countries. When we transfer your data outside the European Economic Area, we ensure appropriate safeguards are in place.

These safeguards might include Standard Contractual Clauses approved by the European Commission, adequacy decisions recognizing equivalent data protection in certain countries, or other mechanisms that meet GDPR requirements.

You can request more information about specific transfers and the safeguards we've implemented by contacting us.

Our investment analysis courses are designed for adults. We don't knowingly collect information from anyone under 16 years old without parental consent, as required by Belgian and EU law.

If we discover we've inadvertently collected data from a minor without proper consent, we'll delete it promptly. Parents or guardians who believe we might have such information should contact us immediately.

We update this privacy policy occasionally to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you through email or a prominent notice on our platform.

The "Last Updated" date at the top shows when we last revised this document. We encourage you to review this policy periodically to stay informed about how we protect your information.

Continuing to use our services after changes take effect means you accept the updated policy. If you disagree with changes, you can close your account—though we'd hate to see you go.