Privacy Policy

Effective Date: May 26, 2025
Last Updated: May 26, 2025

1. Introduction

The TC Hub (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website thetchub.com and purchase our online transaction coordinator courses.

2. Information We Collect

Personal Information You Provide

• Account Information: Name, email address, billing address
• Payment Information: Processed securely by Stripe (we do not store credit card details)
• Course Progress: Completion status, quiz results, certificates earned
• Communications: Messages sent through our contact forms or support channels
• Marketing Preferences: Newsletter subscriptions and communication preferences

Information Collected Automatically

• Website Usage: Pages visited, time spent, click patterns
• Device Information: IP address, browser type, operating system
• Cookies and Tracking: See our Cookie Policy section below

3. How We Use Your Information

We use your information to:

• Provide Services: Deliver course content, track progress, issue certificates
• Process Payments: Handle transactions securely through Stripe
• Customer Support: Respond to inquiries and provide technical assistance
• Course Improvement: Analyze usage patterns to enhance our educational content
• Marketing Communications: Send course updates, new offerings, and educational content (with consent)
• Legal Compliance: Meet tax reporting, fraud prevention, and regulatory requirements

4. Information Sharing and Disclosure

We share your information only in these circumstances:

Service Providers

• Stripe: Payment processing (subject to Stripe’s privacy policy)
• Email Service: Course delivery and marketing communications
• Analytics: Website performance and user behavior analysis
• Customer Support: Help desk and technical support services

Legal Requirements

We may disclose information when required by law, court order, or to:

• Protect our rights and property
• Prevent fraud or security threats
• Comply with legal obligations
• Protect user safety

5. Data Security

We implement industry-standard security measures:

• Encryption: All data transmitted using SSL/TLS encryption
• Secure Storage: Personal data stored on secure, access-controlled servers
• Payment Security: PCI DSS compliant payment processing through Stripe
• Access Controls: Limited employee access on a need-to-know basis

6. Data Retention

We retain your information for:

• Course Access: As long as your account remains active
• Payment Records: 7 years for tax and legal compliance
• Marketing Data: Until you unsubscribe or request deletion
• Support Communications: 3 years for quality assurance

7. Your Privacy Rights

All Users

• Access: Request a copy of your personal data
• Correction: Update inaccurate or incomplete information
• Deletion: Request removal of your personal data (subject to legal requirements)
• Opt-out: Unsubscribe from marketing communications

California Residents (CCPA)

• Know: What personal information we collect and how it’s used
• Delete: Request deletion of personal information
• Opt-out: Opt out of the sale of personal information (we don’t sell data)
• Non-discrimination: Equal service regardless of privacy choices

8. Cookies and Tracking

Essential Cookies

• Session Management: Keep you logged in during course access
• Security: Prevent fraud and unauthorized access
• Functionality: Remember your preferences and settings

Analytics Cookies

• Website Performance: Understand how visitors use our site
• Course Effectiveness: Analyze learning patterns and completion rates

You can control cookies through your browser settings.

9. Children’s Privacy

Our services are not intended for children under 16. We do not knowingly collect personal information from children. If we become aware of such collection, we will delete the information immediately.

10. Changes to This Policy

We may update this Privacy Policy to reflect changes in our practices or legal requirements. We will:

• Post the updated policy on our website
• Update the “Last Updated” date
• Notify you of material changes via email or website notice

11. State-Specific Disclosures

California Residents (CCPA)

In the past 12 months, we have collected and disclosed the following categories of personal information:

• Identifiers: Name, email, IP address
• Commercial Information: Purchase history, course progress
• Internet Activity: Website usage, course interactions

We do not sell personal information to third parties.

This Privacy Policy is designed to be transparent about our data practices while ensuring compliance with applicable US privacy laws. If you have questions about how we handle your personal information, please don’t hesitate to contact us.