Privacy Policy

Last Updated on 17 Nov. 2025

At Specula Fund, we are deeply committed to protecting your privacy and personal information. This Privacy Policy details how we handle the collection, use, and disclosure of the personal information you provide when you interact with our website, purchase our digital products—such as courses, e-books, and subscriptions—or use any of our educational services related to trading, investing, and finance, collectively referred to as the "Services."

1. Information We Collect

We collect information that identifies, relates to, or can be reasonably linked to you, which we define as "Personal Data." This collection falls into two main categories: information you provide directly and information collected automatically. When you purchase a product, register for an account, or engage with customer support, you provide us with essential data. This includes Contact and Account Data, such as your full name, email address, phone number, and password, which are necessary for managing your access. We also collect Transaction and Billing Data, encompassing your billing address and payment information; however, it is important to note that full credit card details are securely processed by third-party payment processors like Stripe or PayPal and are not stored directly by Specula Fund. Additionally, we retain Correspondence Data from any direct communication, along with Educational Data, which tracks your progress through courses, quiz results, and e-book access logs.

Separately, when you access our Services, certain information is collected automatically through standard technologies. This Usage Data includes Technical Data such as your Internet Protocol (IP) address, your browser type and version, operating system details, and the platform used to access our site. Furthermore, we gather specific usage patterns, including the particular pages you view, the time you spend on them, clicking behavior, and the precise dates and times of your access. We also infer general Location Data from your IP address.

2. How We Use Your Information

The Personal Data we collect is used strictly for legitimate business purposes essential to operating and improving the Specula Fund experience. The core purpose is Service Delivery, ensuring we can provide you with the courses, e-books, and subscriptions you have purchased and efficiently manage your user account. We rely on this data for Payment Processing to successfully handle your transactions. Furthermore, we utilize this information for robust Customer Support, enabling us to respond to inquiries, resolve technical issues, and address any service-related concerns. Communication is another key use, allowing us to send necessary service announcements, security alerts, and crucial administrative messages. With your explicit consent, which is based on an opt-in basis, we may use your data for Marketing and Promotions, sending targeted emails about new products or special offers. Finally, we constantly use collected Usage Data for Improvement and Personalization, analyzing traffic patterns to troubleshoot issues, enhance the website's features and functionality, and personalize your overall learning experience.

3. How We Share Your Information

Specula Fund maintains a strict policy against selling your Personal Data. We only disclose or share your information in a few limited and necessary circumstances. The primary way we share data is with trusted third-party Service Providers, who perform critical functions on our behalf, such as processing payments, hosting the website, and delivering our email communications. These entities are restricted to using your information only as required to perform their contracted services and are strictly forbidden from using it for other purposes. We may also disclose your information for Legal Compliance if we are required to do so by law or believe in good faith that such action is necessary to comply with legal obligations or protect the rights, property, or safety of Specula Fund, our users, or the public. In the event of Business Transfers, such as a merger, acquisition, or sale of assets, your Personal Data may be transferred to the new acquiring entity. For any other sharing scenarios, we will only proceed With Your Consent, obtained at the time the information is collected or otherwise agreed upon by you.

4. Cookies and Tracking Technologies

We employ "cookies" and similar tracking technologies, including web beacons and pixels, to track activity on our Services and store minor pieces of essential information. Cookies are vital for remembering your preferences, facilitating your account login, analyzing overall website traffic, and enabling the delivery of personalized content throughout the site. You retain control over this process and have the option to accept or refuse cookies through your browser settings. While most web browsers are configured to accept cookies automatically, modifying your settings to decline them is possible. Please be aware, however, that disabling cookies may unfortunately prevent you from accessing or using certain features essential to the smooth operation of our Services.

5. Data Security and Retention

We take significant measures to protect your Personal Data, implementing robust security safeguards such as SSL encryption and secure firewalls to maintain data safety. It must be acknowledged, however, that no method of transmission over the Internet or electronic storage can be guaranteed as 100% secure. Regarding retention, we will only keep your Personal Data for the duration necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is specifically mandated or permitted by law, for example, for critical accounting or legal requirements.

6. Your Privacy Rights

Depending on where you reside, you may be afforded specific rights concerning your Personal Data. These rights typically include the Right to Access, allowing you to request copies of the data we hold about you, and the Right to Correction, enabling you to ask us to correct any incomplete or inaccurate data. You may also possess the Right to Erasure, sometimes known as the "Right to be Forgotten," which permits you to request the deletion of your Personal Data, though certain legal exceptions may apply. Furthermore, you always have the Right to Opt-Out of marketing communications by simply using the unsubscribe link provided in every promotional email we send. To formally exercise any of these fundamental rights, please reach out to us using the contact information provided at the end of this policy.

7. Children's Privacy

Our Services are explicitly designed and intended for use only by individuals who are over the age of 18, or the age of legal majority in their specific jurisdiction. We strictly do not knowingly collect any Personal Data from anyone under these defined ages. If you are a parent or guardian and become aware that your child has inadvertently provided us with their Personal Data, we urge you to contact us immediately so we can take the necessary steps to remove that information.

8. Changes to This Privacy Policy

We reserve the right to update or modify our Privacy Policy at any time to reflect changes in our practices or legal obligations. We commit to notifying you of any material changes by posting the new version of the Privacy Policy directly on this page and promptly updating the "Effective Date" at the beginning of the document. We recommend that you review this Privacy Policy periodically to stay informed of any changes.

9. Contact Us

Should you have any questions or require further clarification about this Privacy Policy, our site's practices, or your specific dealings with Specula Fund, please do not hesitate to contact us directly using the details below.

Email: support@speculafund.com