Privacy Policy

Last Updated: July 23, 2026 | PSIB Academy | Effective for USA, UK, Canada, EU, Australia & Asia

Your Privacy Matters: PSIB Academy does not sell your data. We collect minimal information to deliver free education and improve your experience. This policy is compliant with GDPR (EU/UK), CCPA (California, USA), and global privacy standards.

1. Who We Are

PSIB Academy is an educational blog and hub operated from:
1450 Ala Moana Blvd, Honolulu, HI 96814, USA
Contact: support@psib-online.us
Education Hub: psib-online.us/index2.php and psib-online.us/index.php

2. Information We Collect

A. Information you provide directly:

Name and email when you subscribe to our free guides or contact us via support@psib-online.us
Country you select in contact forms (USA, UK, Canada, etc. - used to tailor examples)
Messages you send via contact form or email

B. Automatic information:

Blogger / Google Analytics data: IP address, browser type, pages visited, time spent (standard for all Blogger blogs)
Cookies: Used by Google AdSense, Blogger, and analytics to show relevant content and measure traffic. You can disable cookies in your browser.

We do NOT collect: Bank details, credit cards, ID documents, or passwords on this blog. We are educational only.

3. How We Use Your Information

To send you free educational guides (Stocks, Gold, Commodities) if you requested them
To respond to your support emails within 24-48 hours
To improve blog content for USA, UK, Canada, EU, Australia & Asia audience
To comply with spam laws (CAN-SPAM, GDPR) - you can unsubscribe anytime via link in email

4. Legal Basis (For EU/UK Users - GDPR)

For users in the UK and EU, our legal basis is:

Consent: When you submit email to get free guides
Legitimate Interest: To respond to inquiries and improve educational content
Legal Obligation: To comply with tax, accounting, or legal requests if required

5. Data Sharing

We do NOT sell your personal data. We share only with:

Google / Blogger: Our blog is hosted on Blogger, which uses Google infrastructure and cookies for hosting and AdSense
Email Service Provider: To deliver guides you requested (e.g., Google Workspace / email delivery tool)
Legal Compliance: If required by US law or valid legal process

6. Cookies & Google AdSense

Important for USA, UK, EU, Australia: This blog may use Google AdSense. Google uses cookies and DART cookies to serve ads based on your visits to this and other sites. You can opt out of personalized ads at adssettings.google.com. You can manage cookies in your browser settings. See: policies.google.com/technologies/ads

7. Your Rights

For ALL users (USA, UK, Canada, EU, Australia, Asia): You can email support@psib-online.us to request: Access to your data, correction, or deletion.

Extra for EU/UK (GDPR): Right to access, rectification, erasure, restrict processing, object, and data portability.

Extra for California, USA (CCPA): Right to know what data we collect, right to delete, right to opt-out of sale (we do not sell data), right to non-discrimination.

We will respond within 30 days.

8. Data Retention

We keep your email only as long as you are subscribed to free education. If you unsubscribe, we delete or anonymize it within 30 days unless required by law. Contact form messages are kept up to 12 months for support history.

9. Children's Privacy

This blog is for adults 18+. We do not knowingly collect data from children under 18. If you believe a child has provided data, email support@psib-online.us and we will delete it immediately.

10. International Transfers

Your data may be processed in the USA where Blogger/Google servers are located. By using this blog from the UK, EU, Canada, Australia, or Asia, you consent to transfer to the USA with standard safeguards (Google's Standard Contractual Clauses).

11. Security

We use Blogger/Google security, HTTPS, and limited access to your data. No method is 100% secure, but we follow industry standards for an educational blog.

12. Changes to This Policy

We may update this policy for new laws or features. Last update date at top will change. Continued use after update means you accept the new policy.

13. Contact

For any privacy question, deletion request, or complaint:

Email: support@psib-online.us
Mailing Address: 1450 Ala Moana Blvd, Honolulu, HI 96814, USA
Subject Line: Privacy Request - [USA/UK/EU/Canada/Australia]