Privacy Policy

Effective Date: August 25, 2025

At Capital Converter ("we," "us," or "our"), we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, use, disclose, store, and protect your data when you access our website capitalconverter.com (the "Website") or use our services, which include educational classes and courses on trading in international and national markets (our primary services) and trading software for traders (our secondary services). We operate in compliance with international data protection standards, including but not limited to the General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA), and other applicable laws.

By using our Website or services, you consent to the practices described in this Privacy Policy. If you do not agree, please do not use our Website or services. This policy is incorporated into our Terms and Conditions.

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. Updates will be posted on the Website with the revised effective date. Your continued use constitutes acceptance of the updated policy. Please review it regularly.

1. Scope of This Privacy Policy

This Privacy Policy applies to all users of the Website, including those who:

• Visit the Website without registering.

• Create an account to access courses or software.

• Enroll in trading education courses.

• Purchase or subscribe to trading software.

• Contact us via email, forms, or other channels.

• Interact with our forums, webinars, or other features.

This policy covers personal data, defined as any information relating to an identified or identifiable individual ("Personal Data"). It does not cover anonymized or aggregated data that cannot identify you.

2. Information We Collect

We collect the following types of information:

2.1 Information You Provide Directly

• Account Information: When you register for an account, we collect your name, email address, phone number (optional), billing address, and payment information (e.g., Visa or MasterCard details, processed via secure third-party gateways).

• Enrollment and Purchase Data: Information provided when enrolling in courses or purchasing software, such as course preferences, subscription plans, or software license details.

• User-Generated Content: Contributions to forums, assignments, quizzes, or feedback forms, such as comments, posts, or uploaded files.

• Communications: Information you provide when contacting us via email, support tickets, or surveys, including inquiries or complaints.

• Payment Information: Card details (e.g., cardholder name, partial card number, expiration date) for processing payments. Full card details are not stored by us but handled by PCI DSS-compliant payment processors.

2.2 Information Collected Automatically

• Usage Data: Information about your interactions with the Website, such as pages visited, time spent, links clicked, courses accessed, and software usage metrics.

• Device and Technical Data: IP address, browser type, operating system, device identifiers, and other technical information collected via cookies or similar technologies.

• Location Data: Approximate location based on IP address or, if you consent, precise location from your device for region-specific services.

• Analytics Data: Aggregated data on user behavior, such as course completion rates or software performance, collected via tools like Google Analytics.

2.3 Information from Third Parties

• Payment Processors: Confirmation of payment status or fraud alerts from Visa, MasterCard, or other processors.

• Third-Party Integrations: Data from platforms integrated with our services (e.g., learning management systems, webinar tools) if you link accounts.

• Publicly Available Data: Information from public profiles (e.g., LinkedIn) if you interact with us via social media.

3. How We Use Your Information

We use your Personal Data for the following purposes:

• Service Delivery:

  • To provide and manage access to courses, including enrollment, progress tracking, and certifications.

  • To deliver and support trading software, including licenses, updates, and technical support.

  • To process payments securely via Visa, MasterCard, or other methods.

• Account Management:

  • To create, maintain, and secure your account.

  • To verify your identity and prevent unauthorized access.

• Personalization:

  • To tailor course recommendations, software features, or content based on your preferences and usage.

  • To display region-specific content based on your location.

• Communication:

  • To send transactional emails, such as payment confirmations, course updates, or software license details.

  • To respond to inquiries, support requests, or feedback.

  • To send marketing communications (e.g., newsletters, promotions) if you opt in, with an option to unsubscribe.

• Analytics and Improvement:

  • To analyze usage patterns to improve our Website, courses, and software.

  • To conduct research on trading education effectiveness or software performance.

• Legal and Security Purposes:

  • To comply with legal obligations, such as tax reporting or anti-money laundering regulations.

  • To detect and prevent fraud, abuse, or security threats.

  • To enforce our Terms and Conditions and protect our rights.

4. Legal Basis for Processing (GDPR Compliance)

For users in the European Economic Area (EEA) or other regions where GDPR applies, we process Personal Data based on the following legal grounds:

• Contractual Necessity: To fulfill our contract with you, such as providing courses or software upon payment (e.g., account creation, payment processing).

• Consent: For optional uses, such as marketing emails or precise location data, where you provide explicit consent.

• Legitimate Interests: For purposes like improving services, preventing fraud, or personalizing content, where our interests do not override your rights.

• Legal Obligation: To comply with laws, such as tax or anti-fraud regulations.

You may withdraw consent at any time by contacting us or unsubscribing, though this may limit access to certain services.

5. How We Share Your Information

We do not sell your Personal Data. We share it only in the following circumstances:

• Service Providers: With third-party vendors who perform services on our behalf, such as:

  • Payment processors (e.g., for Visa and MasterCard transactions) to handle payments securely.

  • Cloud hosting providers (e.g., AWS, Google Cloud) for data storage and Website functionality.

  • Analytics providers (e.g., Google Analytics) for usage insights.

  • Learning management or webinar platforms for course delivery.

• Business Partners: With partners offering integrated services (e.g., trading platforms linked to our software), only with your consent.

• Legal Compliance: With authorities or regulators to comply with laws, court orders, or investigations (e.g., tax audits, anti-money laundering checks).

• Business Transfers: In connection with a merger, acquisition, or sale of assets, where your data may be transferred with notice to you.

• User-Generated Content: Your forum posts or contributions may be visible to other users, as per our Terms.

All third parties are bound by contracts to protect your data and comply with applicable laws.

6. Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to enhance your experience and collect data. These include:

• Essential Cookies: Required for Website functionality, such as login sessions or payment processing.

• Performance Cookies: To analyze usage and improve services (e.g., Google Analytics).

• Marketing Cookies: To deliver personalized ads, if you consent.

You can manage cookie preferences via your browser settings or our cookie consent tool. Disabling cookies may limit Website functionality. For details, see our Cookie Policy (linked on the Website).

7. Data Security

We implement industry-standard measures to protect your Personal Data, including:

• Encryption: SSL/TLS for data transmission; encryption for stored payment data.

• Access Controls: Restricted access to Personal Data by authorized personnel only.

• PCI DSS Compliance: For payment processing via Visa and MasterCard.

• Regular Audits: To identify and address security vulnerabilities.

Despite these measures, no system is 100% secure. We are not liable for unauthorized access beyond our reasonable control.

8. Data Retention

We retain Personal Data only as long as necessary for the purposes outlined:

• Account Data: Until you delete your account or after [e.g., 5 years] of inactivity, unless required by law.

• Payment Data: Transaction records for [e.g., 7 years] to comply with tax laws.

• Usage Data: Anonymized for analytics; identifiable data deleted after [e.g., 2 years].

• User-Generated Content: Retained while relevant to forums or courses, unless you request deletion.

After retention periods, data is securely deleted or anonymized, except where required by law.

9. Your Data Protection Rights

Depending on your location, you may have the following rights under laws like GDPR or CCPA:

• Access: Request a copy of your Personal Data.

• Rectification: Correct inaccurate or incomplete data.

• Erasure: Request deletion of your data, subject to legal obligations.

• Restriction: Limit processing of your data in certain cases.

• Portability: Receive your data in a structured, machine-readable format.

• Objection: Object to processing based on legitimate interests (e.g., marketing).

• Withdraw Consent: Revoke consent for optional processing.

To exercise these rights, contact us at [Your Contact Email]. We will respond within [e.g., 30 days] or as required by law. We may verify your identity before processing requests.

For CCPA (California residents):

• You have the right to opt out of data "sales" (we do not sell data).

• You may request disclosure of data collected or shared twice per year.

• We do not discriminate against users exercising CCPA rights.

For GDPR (EEA residents):

• You may lodge a complaint with a supervisory authority (e.g., your national data protection agency).

• Data transfers outside the EEA are protected by Standard Contractual Clauses or other safeguards.

10. International Data Transfers

Your Personal Data may be transferred to and stored in countries outside your jurisdiction, such as the United States, where our servers or third-party providers operate. These countries may have different data protection laws.

We ensure compliance with international standards:

• For EEA users, transfers comply with GDPR via Standard Contractual Clauses or adequacy decisions.

• For other regions, we use contracts to ensure equivalent protection.

By using our services, you consent to such transfers where necessary for service delivery.

11. Children’s Privacy

Our Website and services are not intended for individuals under 18. We do not knowingly collect Personal Data from minors. If we learn such data has been collected, we will delete it. Contact us if you believe we have minor data.

12. Third-Party Links and Services

The Website may link to third-party sites (e.g., trading platforms, social media). These sites have their own privacy policies, and we are not responsible for their practices. Review their policies before sharing data.

Payment processors for Visa and MasterCard transactions have separate privacy policies, which apply to payment data they handle.

13. Marketing Communications

We may send promotional emails about new courses, software updates, or offers if you opt in. You can unsubscribe via the link in emails or by contacting us. Transactional emails (e.g., payment confirmations) are not affected by marketing opt-outs.

14. Data Breach Notification

In case of a data breach that may risk your rights, we will notify you and relevant authorities as required by law (e.g., within 72 hours under GDPR).

15. Contact Us

For questions, concerns, or to exercise your rights, contact our Data Protection Officer:

• Email: support@capitalconverter.com

• Address: SCF 55 ,Sector 125, SAS Nagar, Kharar, Mohali Punjab,India

• Phone: +91-160-4510914

• 16. Additional Notes for Compliance

• Visa and MasterCard: Payment data is handled by PCI DSS-compliant processors. We only store tokenized or partial data (e.g., last four digits) for reference.

• Trading Disclaimers: Data collected from course or software usage (e.g., trading preferences) is used for educational purposes only and not shared with brokers or exchanges without consent.

• Global Compliance: We align with international standards, including GDPR, CCPA, PIPEDA (Canada), and others where applicable. Specific rights vary by region.

This Privacy Policy is designed to meet international standards and protect your privacy while supporting our educational and software services. Thank you for trusting Capital Converter

Refund Policy for Capital Converter

Effective Date: August 25, 2025

At Capital Converter ("we," "us," or "our"), we strive to ensure your satisfaction with our services, which include educational classes and courses on trading in international and national markets (our primary services) and trading software for traders (our secondary services) provided through our website capitalconverter.com (the "Website"). This Refund Policy outlines the conditions under which refunds or cancellations may be requested for purchases made via Visa, MasterCard, or other accepted payment methods. This policy is incorporated into our Terms and Conditions and complies with international consumer protection standards, including but not limited to applicable laws in the European Union (EU), United States, and other jurisdictions.

By enrolling in our courses or purchasing our software, you agree to this Refund Policy. Please review it carefully before making a purchase. If you have questions, contact us at support@capitalconverter.com.

1. Scope of This Refund Policy

This Refund Policy applies to:

• Courses: Online or in-person educational programs, including classes, webinars, recorded videos, and related materials on trading in international and national markets.

• Software: Trading software, tools, or applications provided as a one-time purchase, subscription, or license.

• Payments: All transactions processed through the Website using Visa, MasterCard, or other accepted payment methods.

This policy does not cover third-party services (e.g., trading platforms or brokers) linked through our Website, which have their own refund policies.

2. General Refund Principles

We aim to provide clear and fair refund processes while acknowledging the digital nature of our services. Refunds are subject to the conditions below and may be limited by the nature of digital content or applicable laws. All refund requests must be submitted in writing to support@capitalconverter.com, including your name, order details, and reason for the request. We will respond within 7-10 business days.

Refunds, when approved, will be issued to the original payment method (e.g., Visa or MasterCard) unless otherwise required by law. Processing times depend on your bank or card issuer, typically 5-15 business days.

3. Refund Policy for Courses

3.1 Cooling-Off Period

For most courses, we offer a 14-day cooling-off period from the date of enrollment, during which you may request a full refund, provided you have not accessed more than 10% of the course content (e.g., videos, quizzes, or materials). This aligns with consumer protection laws, such as the EU Consumer Rights Directive, where applicable.

• Eligibility: You must not have viewed, downloaded, or interacted with more than 10% of the course materials, as tracked by our learning management system.

• Process: Submit a refund request via email, including your account details and proof of purchase. We may verify content access before approving.

• Exceptions: Courses marked as "non-refundable" (e.g., promotional or discounted courses) or live webinars where you attended the session are not eligible for refunds unless required by law.

3.2 Post-Cooling-Off Period

After the 14-day period or if you have accessed more than 10% of the course, no refunds will be issued, except in cases of:

• Technical Issues: If you experience persistent access issues (e.g., platform errors) that we cannot resolve within a reasonable time, you may request a refund or course credit.

• Misrepresentation: If the course content materially differs from its description, you may request a refund within 30 days of enrollment, subject to our review.

3.3 Partial Refunds or Credits

At our discretion, we may offer partial refunds or credits for future courses if you are dissatisfied but do not meet refund criteria. Contact us to discuss options.

3.4 Non-Refundable Circumstances

No refunds will be issued for:

• Completed courses or certifications issued.

• Failure to complete a course due to personal circumstances.

• Changes in your financial situation or trading outcomes, as courses are educational and not a guarantee of profits.

• Purchases made in error if you accessed content.

4. Refund Policy for Software

4.1 General Policy

Due to the digital nature of our trading software, purchases are non-refundable except where required by law (e.g., EU 14-day cooling-off period for digital content). Upon purchase or subscription, you gain immediate access to the software or license, which limits refund eligibility.

4.2 Exceptions

Refunds for software may be considered in the following cases:

• Defective Software: If the software is non-functional or contains critical bugs that we cannot resolve within 30 days, you may request a refund. You must provide evidence (e.g., error logs, screenshots) and allow us to attempt a resolution first.

• EU Consumer Rights: For EU residents, you may request a refund within 14 days of purchase if you have not explicitly consented to waive your right to a refund by accessing the software. Note: Downloading or using the software typically waives this right, as per EU law.

• Misrepresentation: If the software materially differs from its advertised features, you may request a refund within 30 days, subject to our verification.

4.3 License Termination

If you violate the software’s End-User License Agreement (EULA), such as by reverse-engineering or sharing it, no refunds will be issued, and your license may be revoked.

5. Subscription Cancellations

5.1 Course Subscriptions

Some courses are offered via recurring subscriptions (e.g., monthly access to premium content). You may cancel your subscription at any time through your account settings on the Website.

• Cancellation Process: Log into your account, navigate to the subscription section, and select "Cancel." Alternatively, email support@capitalconverter.com.

• Effect of Cancellation: Cancellation takes effect at the end of the current billing cycle. You retain access until the cycle ends, and no further charges will be applied.

• No Prorated Refunds: We do not offer prorated refunds for partial billing periods.

5.2 Software Subscriptions

Software subscriptions (e.g., for updates or premium features) follow the same cancellation process:

• Cancel via your account or by contacting us.

• Access continues until the end of the billing cycle.

• No refunds for unused portions of the subscription period, except where required by law.

5.3 Failed Payments

If a subscription payment fails (e.g., declined card), we may retry the charge up to three times. If unresolved, your access may be suspended until payment is updated. No refunds for periods of non-access due to payment failure.

6. Payment Disputes and Chargebacks

If you believe a charge was incorrect, contact us first at support@capitalconverter.com to resolve the issue. Initiating a chargeback with your card issuer (Visa or MasterCard) without contacting us may result in:

• Suspension of your account.

• Submission of evidence to your issuer to contest the chargeback, including proof of your agreement to our Terms and this Refund Policy.

• Additional collection actions if the chargeback is deemed frivolous.

We comply with Visa and MasterCard dispute resolution processes and encourage you to follow their procedures for payment disputes.

7. Legal Compliance and Consumer Rights

We adhere to international consumer protection laws, including:

• EU Consumer Rights Directive: For EU residents, a 14-day cooling-off period applies to digital purchases unless waived by accessing content. We clearly disclose this at checkout.

• CCPA (California): California residents may have additional rights to request information about data collected or opt out of certain uses, as outlined in our Privacy Policy.

• Other Jurisdictions: Where local laws mandate specific refund rights, we will comply (e.g., Australia’s consumer guarantees for defective products).

If your jurisdiction provides broader refund rights, we will honor them to the extent required. Contact us to discuss your specific rights.

8. Technical Issues and Support

If you encounter issues accessing courses or software, contact support@capitalconverter.com immediately. We will attempt to resolve issues promptly, which may include:

• Providing alternative access methods.

• Extending access periods.

• Offering credits or replacements instead of refunds.

Failure to report issues within 14 days of occurrence may limit refund eligibility.

9. Non-Refundable Promotions and Discounts

Courses or software purchased at a discount or as part of a promotion (e.g., bundle offers, limited-time sales) are typically non-refundable unless explicitly stated otherwise at purchase. Check promotional terms at checkout.

10. Refunds for Force Majeure

If we cannot deliver services due to events beyond our control (e.g., natural disasters, cyber-attacks), we may offer credits, extensions, or partial refunds at our discretion, but we are not obligated to provide full refunds.

11. How to Request a Refund

To request a refund:

1. Email support@capitalconverter.com with:

   • Your full name and account email.

   • Order number or transaction ID.

   • Reason for the refund request.

   • Proof of purchase (e.g., receipt email).

2. We will review your request within 7-10 business days.

3. If approved, the refund will be processed to your original payment method (Visa, MasterCard, etc.).

4. You will receive confirmation once processed.

Note: Refunds may take 5-15 business days to appear, depending on your bank or card issuer. International transactions may incur currency conversion fees, which are not refundable.

12. Contact Information

For refund requests or questions about this policy, contact:

• Email: support@capitalconverter.com

• Address: SCF 55, Sector 125, SAS Nagar, Kharar, Mohali, Punjab, India

• Phone: +91-160-4510914

13. Amendments to This Policy

We may update this Refund Policy to reflect changes in our services or legal requirements. Updates will be posted on the Website with the new effective date. Continued use of our services constitutes acceptance of the updated policy.

14. Additional Notes

• Digital Content: Accessing digital content (e.g., downloading software, streaming course videos) may waive certain refund rights under laws like the EU Consumer Rights Directive, as disclosed at purchase.

• Trading Risks: Refunds are not issued based on trading losses or dissatisfaction with market outcomes, as our services are educational and software-based, not financial advice.

• Visa and MasterCard Compliance: We adhere to card scheme rules, ensuring secure and transparent refund processes. Contact your issuer for card-specific dispute procedures.

This Refund Policy is designed to be fair, transparent, and compliant with international standards while reflecting the digital nature of our services. Thank you for choosing Capital Converter.