We collect different types of information to provide and improve our services to you:

• Name, email address, and contact details when you register or contact us
• Company information and job title for business accounts
• Payment information processed through secure third-party providers
• Communications you send us, including support requests
• Profile information you choose to add to your account

• IP address, browser type, and device information
• Usage patterns and interaction data within our platform
• Cookies and similar tracking technologies data
• Log files including access times and page views

Your information helps us deliver, maintain, and improve our budgeting platform and educational content:

• Providing access to SmartCognit platform features and learning materials
• Processing payments and managing your account subscription
• Sending important updates about your account and service changes
• Responding to your questions and providing customer support
• Analyzing usage patterns to improve platform functionality
• Preventing fraud and ensuring platform security
• Personalizing your learning experience and recommendations

We may share your information in specific circumstances to provide our services effectively:

We work with trusted third-party companies that help us operate our platform, including cloud hosting providers, payment processors, and email service providers. These companies are contractually bound to protect your information.

We may disclose information when required by Bulgarian law, European Union regulations, or to protect our rights and the safety of our users.

If SmartCognit is acquired or merged with another company, your information may be transferred as part of that transaction, with continued protection under this privacy policy.

Under Bulgarian Personal Data Protection Act and GDPR, you have several important rights regarding your personal information:

To exercise these rights, contact us at info@smartcognit.com with your specific request. We'll respond within 30 days as required by law.

We implement comprehensive security measures to protect your information from unauthorized access, alteration, or disclosure:

• SSL/TLS encryption for all data transmission
• Regular security audits and vulnerability assessments
• Access controls limiting employee data access to job requirements
• Automated backup systems with encryption at rest
• Multi-factor authentication for administrative accounts

We retain your personal information only as long as necessary to provide our services and comply with legal obligations. Account data is typically retained for 3 years after account closure, while support communications may be kept for 5 years for quality assurance purposes.

We use cookies and similar technologies to enhance your experience and analyze platform usage:

• Essential cookies required for platform functionality and security
• Performance cookies to analyze usage patterns and improve features
• Preference cookies to remember your settings and customizations
• Authentication cookies to keep you logged in during sessions

You can control cookie preferences through your browser settings, though disabling certain cookies may limit platform functionality. We do not use advertising cookies or share data with advertising networks.

We may update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you through:

• Email notification to your registered address
• Prominent notice on our platform login page
• Updated effective date at the top of this policy

We encourage you to review this policy periodically to stay informed about how we protect your information. Your continued use of SmartCognit after policy updates constitutes acceptance of the revised terms.