Privacy Policy

Last Updated: January 15, 2025

At msgonlinkfeed, we take your privacy seriously. This policy explains how we collect, use, and protect your personal information when you use our budget risk management services. We operate in Taiwan and comply with local data protection regulations while maintaining transparent practices you can trust.

Information We Collect

We collect different types of information depending on how you interact with our services. Most of this happens when you sign up for our learning programs or use our tools.

Personal Identification Information

When you register for our programs or contact us, we ask for basic details like your name, email address, and phone number. If you enroll in paid courses, we'll need billing information too. We also collect your location data to ensure we're providing relevant content for the Taiwan market.

Usage and Technical Data

Our systems automatically collect information about how you use our website. This includes your IP address, browser type, device information, and which pages you visit. We track this to understand what content helps people most and where we need to improve things.

Educational Progress Information

As you work through our courses, we keep records of your progress, quiz scores, and completed modules. This helps us tailor recommendations and ensure you're getting the most from your learning experience.

How We Use Your Information

Everything we collect serves a specific purpose. Here's what we actually do with your data:

  • Provide access to educational content and track your progress through courses
  • Process payments and maintain accurate billing records for paid programs
  • Send you important updates about courses you're enrolled in or schedule changes
  • Respond to your questions and provide technical support when needed
  • Improve our course content based on how students interact with materials
  • Analyze website performance and fix technical issues
  • Comply with legal obligations under Taiwan regulations

We occasionally send educational resources or information about new courses that might interest you based on what you're already studying. You can opt out of these messages anytime.

Legal Basis for Processing

Under Taiwan's Personal Data Protection Act, we process your information based on several legal grounds:

Processing Purpose Legal Basis
Course delivery and account management Contractual necessity
Payment processing Contractual necessity
Customer support Legitimate business interest
Marketing communications Your explicit consent
Legal compliance and record-keeping Legal obligation

Data Sharing and Third Parties

We don't sell your personal information. That said, we do work with trusted partners who help us run our business effectively.

Service Providers We Work With

  • Payment processors who handle transactions securely when you purchase courses
  • Cloud hosting services that store our course content and your data safely
  • Email service providers who help us send course updates and communications
  • Analytics platforms that show us how people use our website
  • Customer support tools we use to answer your questions efficiently

All these partners sign contracts requiring them to protect your information and use it only for the specific services they provide to us. They can't use your data for their own purposes.

Legal Disclosures

Sometimes we're required to share information with government authorities or legal entities. This only happens when we receive valid legal requests, need to protect our rights, or must comply with Taiwan law enforcement requirements.

Data Security Measures

We take protecting your information seriously and use multiple layers of security:

Encryption: All data transmitted to and from our servers uses industry-standard SSL/TLS encryption. Your payment information never touches our servers directly.

Access Controls: Only authorized staff members can access user data, and they're trained on privacy practices. We use role-based permissions so people only see what they need for their job.

Regular Security Audits: We conduct quarterly security reviews and vulnerability assessments to stay ahead of potential threats.

Secure Infrastructure: Our systems are hosted on secure servers with firewalls, intrusion detection, and regular backup protocols.

Despite our best efforts, no online system is completely secure. If we ever experience a data breach that affects your information, we'll notify you promptly and explain what happened and what we're doing about it.

Your Privacy Rights

Taiwan's Personal Data Protection Act gives you specific rights regarding your personal information. Here's what you can do:

Access Your Information

You can request a copy of all personal data we hold about you. We'll provide this in a readable format within 15 business days. There's no charge for your first request each year.

Correct Inaccurate Data

If any of your information is wrong or outdated, you can ask us to fix it. You can update most details yourself through your account settings, or contact us for help with things you can't change directly.

Delete Your Data

You have the right to request deletion of your personal information. We'll honor this unless we need to keep certain records for legal or accounting purposes. After deletion, you won't be able to access any active courses or historical learning data.

Restrict Processing

You can ask us to limit how we use your information while we resolve questions about accuracy or legitimate processing grounds. Your account will remain active but we'll pause certain activities.

Data Portability

Want to take your data somewhere else? Request a copy in a structured, machine-readable format that you can transfer to another service provider.

Withdraw Consent

For activities based on your consent, like marketing emails, you can withdraw permission anytime. This won't affect processing that happened before you withdrew consent.

How to Exercise Your Rights: Send requests to [email protected] with your full name and registered email address. We may ask for identification to verify your identity before processing requests. Most requests are handled within 15 business days.

Data Retention

We don't keep your information forever. Here's how long we typically retain different types of data:

  • Account information: Maintained while your account is active, plus 3 years after closure for legal compliance
  • Course progress and completion records: Kept for 7 years to provide transcripts and certificates
  • Payment and billing records: Retained for 7 years as required by Taiwan tax law
  • Marketing communications data: Deleted within 60 days of unsubscribing
  • Website analytics: Aggregated and anonymized after 26 months
  • Support correspondence: Kept for 3 years for quality assurance

Once retention periods expire, we securely delete or anonymize your information so it can't be traced back to you.

Cookies and Tracking

Our website uses cookies and similar technologies. Most are necessary for basic functionality, but some help us understand how to improve your experience.

Essential Cookies

These keep you logged in and remember your preferences. Without them, core features wouldn't work properly. They don't track you across other websites.

Analytics Cookies

We use these to see which pages are popular and where people get stuck. This helps us create better content and fix confusing areas. You can disable these through your browser settings.

Managing Cookie Preferences

Most browsers let you control cookies through their settings. Keep in mind that blocking certain cookies might affect how well our site works for you.

Children's Privacy

Our services are designed for adults. We don't knowingly collect information from anyone under 18 years old. If you're a parent and believe your child has provided us with personal information, contact us immediately and we'll delete it.

International Data Transfers

While we primarily operate in Taiwan, some of our service providers are located internationally. When we transfer data outside Taiwan, we ensure appropriate safeguards are in place through standard contractual clauses and adequacy assessments.

Your data may be processed in countries with different privacy laws than Taiwan, but we require all processors to maintain equivalent protection standards regardless of location.

Changes to This Policy

We update this policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email and display a notice on our website for at least 30 days.

The date at the top of this page shows when we last revised the policy. Continuing to use our services after changes take effect means you accept the updated terms.

Questions About Privacy?

If you have concerns about how we handle your data or want to exercise your rights, reach out to us:

msgonlinkfeed
No. 3, Alley 1, Lane 53, Section 2, Huanshan Rd
Neihu District, Taipei City, Taiwan 114

Email: [email protected]
Phone: +886 986 512 738