Privacy Policy

1. Overview

Wisdom Vault ("we", "us") respects your privacy. This policy explains what personal information we collect when you use our platform, why we collect it, how we use and protect it, and the rights you have over it. By creating an account you consent to the practices described here.

2. Information We Collect

• Account information: your full name, email address, phone number and password (stored as a secure hash — we never store passwords in plain text).
• Payment information: payment confirmations, amounts and references processed through our payment providers. We do not store full card or mobile-money credentials.
• Referral data: the referral code you used and the codes you share, plus referral relationships and bonuses.
• Usage data: pages you visit, content you access, sponsored tasks you complete, and similar activity used to operate and improve the platform.
• Technical data: device type, browser, IP address and timestamps, used for security and to prevent fraud and abuse.

3. How We Use Your Information

• To create and manage your account, membership and renewals.
• To process payments, verify payment proofs and manage your wallet and withdrawals.
• To operate the referral program, including calculating and paying bonuses.
• To send you account-related communications by email or SMS about payments, membership and platform updates.
• To detect, prevent and investigate fraud, abuse and security incidents.
• To comply with legal obligations and enforce our Terms of Service.

4. Consent

When you register, you are asked to agree to these terms and this policy. Your consent and the date and time it was given are recorded on your account for our records. You may withdraw your consent at any time by contacting us; withdrawing consent may mean we can no longer provide the service and your account may be closed.

5. Sharing Your Information

We do not sell or rent your personal information. We share it only where necessary:

• With payment processors and banking partners to complete payments and withdrawals.
• With service providers (such as hosting and messaging providers) that help us operate the platform, under confidentiality obligations.
• With authorities or in legal proceedings where required by law or to protect our rights and the safety of our users.

6. Data Retention

We keep your personal information for as long as your account is active and afterwards for as long as needed for legal, accounting or security purposes (for example, financial records and records of consent). When data is no longer needed, it is deleted or anonymised.

7. Security

We use reasonable technical and organisational measures to protect your information, including password hashing, encrypted connections (SSL/TLS) and restricted access to personal data. No method of transmission over the internet is completely secure, but we work to protect your data and to respond promptly if a security issue is found.

8. Your Rights

You have the right to:

• Access the personal information we hold about you.
• Correct inaccurate or outdated information (you can update most details in your account).
• Delete your account and the personal data we hold about you, subject to legal retention requirements.
• Withdraw consent at any time, as described in section 4.
• Object to or restrict certain processing where the law allows.

To exercise any of these rights, contact us using the details below. We will respond within a reasonable time.

9. Children's Privacy

The platform is intended for adults. You must be at least 18 years old to create an account, or you must have the consent of a parent or guardian. We do not knowingly collect information from children without such consent.

10. Changes to This Policy

We may update this policy from time to time. When we do, we will update the date above and, where practical, notify you. Continued use of the platform after changes take effect means you accept the updated policy.

11. Contact

If you have questions about this policy or your personal information, please contact us through the support details available on the platform.