At, we respect your privacy and understand the importance of the information you entrust to us. This Privacy Policy describes our practices with respect to information collected by “”, “we”, “us”, “our”) through the use of (i) our website (the “Website”) and (ii) our mobile applications (collectively, the “Services”).

This Privacy Policy applies to all personal information that we collect or process about you. Personal data is information, or a combination of pieces of information, that could allow you to be identified. 

Below we describe what information we collect when you use our services, how we protect that information, how long we retain it, with whom we share it, and what your privacy options are. By using our services, you consent to our collection and use of your information as described in this Privacy Policy. The Privacy Policy is incorporated by reference and as part of the terms and conditions service.

We will continue to evaluate this Privacy Policy based on new technologies, business practices, and our users needs, and accordingly we may make changes to the privacy policy. Please check this page periodically for updates. If we make material changes to this privacy policy, we will post the updated privacy policy here, along with its effective date, and material changes will be notified by email or posting a notice on our website. Your continued use of our services after changes to the privacy policy are posted means that you agree to be bound by such changes. 

1: Information we collect and how we use it:

We collect personal information about you may be derived from multiple sources, including information you provide directly (for example, when you contact us or sign up for an account), information that we generate about you during our relationship (for example, data collected from cookies and other similar technologies described in our cookie policy, and the information we collect about you from other sources, including commercially available sources, such as public databases (where permitted by law).

2: Information you provide to us:

You can provide us with personal information, if you choose:

  • Send us a request for help, an inquiry about our services, or complete any other form in order to receive our information;
  • Participate in some of our actions related to our services (for example, message boards , games, surveys, polls, promotions, contests, sweepstakes or other incentives) ;
  • Participate in any service that requires registration;
  • Register for any of our webinars and / or courses;
  • Register to receive information and / or services from any third-party provider or partner that uses our website (if you submit information to a third-party provider or partner, please note that the use and disclosure of your information is subject to their own privacy policy );
  • Contact us for employment opportunities;

Depending on which of these or other services you use, the personal information you provide may include:

  • Personal data (for example, name, date of birth, professional title, company name and family income, investment interests, retirement information, information about your education background);
  • Contact details (for example, email address, postal address or mobile phone number);
  • Account details (for example, username and password);
  • Details of the transaction (for example, if you make a purchase or respond to offers);
  • Communications (for example, if you participate or post material on message boards or forums, participate in polls or surveys, write a review or provide a testimonial, or contact us with a question, comment or request); 
  • Professional information (for example, if you are a financial advisor participating in one of our programs, information about your credentials, the URL of the professional website, biographical information, licenses and designations, and profile photo).

Please note that by posting information in message boards, chat groups or social networks available through the services, you are making this information publicly available to other users of these services. You must be careful when revealing any delicate details about yourself.

If you purchase courses through the, please note that we do not currently collect or retain credit card numbers internally. We partner with third-party payment providers. All direct payment gateways must meet the standards set by PCI-DSS administered by the PCI Security Standards Council, which is a joint effort of brands such as Visa, MasterCard, American Express, and Discover. The PCI-DSS requirements are intended to promote the secure handling of credit card information.

3: Information Collected Through Automated Technologies and Interactions:

When you use our services, we may automatically collect information through automated means about your computer or device, your preference settings, your location, and your activities, including:

  • Your computer’s IP address ;
  • Mobile device identifier;
  • Technical information about your computer or mobile device, such as device type, mobile device identification number, screen resolution, web browser information, and operating system or platform;
  • Your preferences and settings (time zone, language, etc.);
  • Name of the Internet provider or mobile phone operator;
  • The URL of the last web page you visited before visiting the web site;
  • Information about your activity on the Services (for example, your search queries, badly formatted DNS entries, selected search results, clicks, page views, search history, comments, forms filled out and submitted, how often you use the services) ;
  • Information that we generate as a result of your use of the services (for example, our understanding of your interests as a result of your use of the services and whether you are a regular or occasional user of the services); y
  • If you use a mobile device, the geographic location of your mobile device (specific geographic location if you have enabled the collection of such information, or general geographic location automatically). See the “Mobile Device Location Information” section below for more information.

Third Parties 

Third parties who provide products and services to us may also place cookies, advertising tags, and / or other services that collect the information described above to provide products and services to us, including:

  • Analysis tools (for example, Google Analytics) that allow us to analyze the performance of our services.
  • Services features and functionalities, such as those that allow videos to be played and you to connect to your social media accounts.
  • Advertisers and ad networks that allow the delivery of targeted ads.
  • These third parties may also collect information about you from other sources and combine it with other information collected from third party websites not affiliated with us. For example, advertisers and advertising networks, as well as the data analytics companies that serve them, may engage in online behavioral advertising and track your activity across multiple sites and / or devices where they display ads and record your activities, so that they can display ads they deem relevant to you.

Do Not Track: Do Not Track (“DNT”) is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third parties. DNT is a way for users to inform websites and services that they do not want certain information collected about visits to their web pages over time and on websites or online services.

These third parties may also provide us with information about your interactions with their products and services and / or activities on third party websites. For example, the use of service functions that connect to your social media account (for example, Facebook Connect) may allow us to access the information in your social network profile, including your first name, last name, gender, date of birth and email address, according to your settings on the social network. If you choose to post information on your social media account through the services, you will make this information available to other users of these services. We recommend that you exercise caution when disclosing any sensitive information about yourself through our services.

1: How we use your personal information and the bases on which we use it.

We may use the information we collect from and about you for the following purposes:

  • Identification and authentication: We use your identifying information to verify your identity when you access and use our services and to ensure the security of your personal information. In order to fulfill our obligations to you.
  • Improving our services: We analyze information about how you use our services to provide an improved experience for our customers, including product testing, site analysis, and personalization of content based on your interests. It is in our legitimate business interest to use the information provided to us for this purpose, so that we can understand any problems with our services and improve them.
  • Understanding our users: We also analyze information about our users to understand them (their demographics, what they do on our services, what features they like, how they use them, etc.). It is in our legitimate business interest to use the information provided to us for this purpose, so that we can understand our users and improve our services.
  • Operation of Services: We process your personal information to administer our services, diagnose technical problems, provide customer support, complete your transactions, and administer our business. This is so that we can fulfill our contractual obligations to you.
  • Communication with you: We may use your personal information when we communicate with you, for example, if we are sending you communications that you have requested, communications that relate to the services you have  purchased or signed up for that  may be of interest to you based on your  preferences, if we provide information about changes to the terms and conditions, if you contact us with questions or to provide customer service. It is in our legitimate interest that we can provide you with appropriate information and responses and notify you about our services. See the “Review, change, or delete information” section for more information on how you can control these communications.
  • Marketing: We may use your personal information to create a profile about you and place you in particular marketing segments to better understand your preferences and appropriately personalize the marketing messages we send you. It is our legitimate interest to provide you with more relevant and interesting advertising messages and to inform you about our marketing strategy. We may use automated decision making to serve personalized advertisements based on your personal information. When necessary, we will obtain your consent before sending such marketing messages.
  • Exercise our rights: We may use your personal information to exercise our legal rights where necessary, for example, to detect, prevent and respond to claims of fraud, claims of intellectual property infringement, or violations of the law or our Terms of Use.
  • Fulfill our obligations: we may process your personal information to, for example, perform fraud prevention checks or comply with other legal or regulatory requirements, when we are explicitly required to do so by law.
  • Customise your experience: When you use the services, we may use your personal information to improve your experience of the services, for example, by providing interactive or personalized elements in the services and by providing content based on your interests. We may use automated decision making to personalize your experience based on your personal information.
  • Payments to our partners: we may process your personal information for the purpose of calculating the compensation that will be paid to our suppliers and distributors of external products / services and to analyze the use of products, services and distribution partners / channels. It is in our legitimate interest to properly determine the amounts to be paid to our partners and to inform our product roadmap and distribution strategy.
  • In relation to webinars and courses: In addition to the uses described above, if you are registered and / or take any of our webinars and / or courses, we may use the registration information you provide, including personally identifiable information, to be used through your account for administration and processing purposes, including, but not limited to, tracking attendance, progress and completion of the course and / or webinar. As part of our management and processing of each course and / or webinar, we may use this information to monitor exams, projects, and other assessments for each course and / or webinar. We may share the information we collect from you when you participate in a course with the company (if applicable) and / or the speakers who provided, taught, administered, sponsored or otherwise supervised that webinar or course, and when it is subject to the privacy policies of such third parties; and (ii) that third party may use the personally identifiable information you provide for their own marketing purposes.

2: How We Share the Information we Collect

We will not share the personal information we collect about you with any third party, except as set out below or when we inform you and give you the opportunity to choose not to share your personal information. We will share your information in the following ways:

  • Our suppliers, subcontractors and business partners: (“service providers”): We may share your data with our service providers and business partners who perform marketing services and other business operations for us for the purposes stated above. For example, we may partner with companies to process secure payments, fulfill orders, optimize services, provide behavioral advertising online, send newsletters and marketing messages, support email and messaging services, and analyze information. These service providers are obliged to process the data in accordance with confidentiality requirements.
  • Service Requests: We allow you to request information and / or services from third-party service providers or partners by completing a registration form, information request, or similar service request for specific services from them (for example, completing a sponsored partner form to identify your retirement risk profile and / or submit a request with such information to obtain more information from that partner or another party). When you complete and submit a service request form through our website, you agree to us providing your personal information and the request to the third-party provider and / or partner. Sharing this information with the vendor and / or partner enables them to communicate with you using the contact information you provided. In addition, we have other contractual partners who use their own service provider to supplement our offering, and we share your information with them in an attempt to provide the requested services.
  • Webinars / Courses: We may share certain information with third parties that allow us to offer you the webinars and / or courses. For example, but not as a limitation, our webinar and course platforms may be hosted by third parties who will use your information to allow you to access the webinar and / or course. We also use third-party payment providers who will use your information to process payment, subject to their own privacy policies. In addition, for any webinar eligible for continuing education, we will share the information provided to us, as well as information about your completion of such webinar, with the organization that issues continuing education certificates, including but not limited to, for the purpose of verifying your eligibility for continuing education credits. We may also use third-party customer service platform providers to help us provide customer service capabilities in connection with your use of one or more of our services, including but not limited to webinars and / or courses.
  • Group Companies: We may share your information with our affiliates, who are entities commonly owned or controlled by our parent company Marexo Limited, for marketing, security, product and service optimization, and internal reporting purposes. We do this for the purposes stated above.
  • When required by law: We may disclose your information to law enforcement agencies, courts, other government authorities, or other third parties when we have a good faith belief that such disclosure is appropriate to investigate, prevent, or take action with respect to possible illegal activities. This may include, but is not limited to, suspected fraud, situations involving potential threats to the physical safety of any person, violations of this Privacy Policy or the Terms of Use of the services you accessed, and / or to protect the rights and property of Marexo Limited, our employees, users and the public, or to comply with legal or regulatory obligations. This may involve sharing your information with law enforcement, government agencies, courts, and / or other organizations.
  • In the context of a transaction: we may share your personal information with potential transaction partners, service providers, advisers and other third parties in connection with the consideration, negotiations or completion of a corporate transaction in which we are acquired or merged with another company or sell or transfer all or part of our assets or business.
  • Advertisers and Ad Networks: Advertisers and ad networks place advertisements on our website. These companies may collect information such as your computer’s IP address, browser information, and mobile device identification while using our website and services. These companies, as well as the data analytics companies that provide services to them, may also use cookies, pixel tags, mobile device advertising IDs, and other similar technologies to collect this information when you visit our website (for example, web pages visited), as described in our Cookies Policy. They use the data to allow them to track your activity on various sites where they display advertisements and record your activities, so that they can display advertisements that they consider relevant to you. We do not have access to or regulate this Privacy Policy the use of cookies or other tracking technologies that may be placed on your computer, mobile phone, or other device that you use to access services through unaffiliated third-party advertisements. Technology, ad servers, ad networks, or any other unaffiliated third parties.

3: Your rights and privacy choices

You have certain rights with respect to the personal information we hold about you, subject to local laws. These may include the rights to access, correct, delete, restrict or object to our use or to receive a portable copy in usable electronic format of your personal information. You may also have the right to lodge a complaint with your local privacy or data protection regulator.

You also have choices when it comes to the privacy practices described in this Privacy Policy. Some of those options are set out below and others are available in our Cookie Policy.

Choices Regarding the Information We Collect: We may be required by law to collect certain personal information about you or as a result of any contractual relationship we have with you. Failure to provide this information may prevent us from providing you with certain or all services.

4: Automations about you

When you use the services, we may make automated decisions about you based on your personal information in the following circumstances:

  • To send personalized offers, discounts, or recommendations based on your purchase history, viewing history, and browsing history, and
  • To serve you ads based on various factors, such as the content of the page you are visiting, the information you provide, such as your age or gender, your searches, demographics, user-generated content, and other information / These ads may be based on your current activity or your activity over time and may be tailored to your interests.

5: Right to Access, Review, Change or Delete Information

To access, review, change or delete personal information that we have collected from you, please visit our Privacy Center page and send a message to our support team. To make changes to your account, you can also log into your account and visit the Manage Profile page.

Your specific rights regarding access, review or deletion of your information are dictated by local laws.

Legal rights applicable to personal data collected in the EEA. Under the EU General Data Protection Regulation (Regulation 2016/679), natural persons (referred to as data subjects) have certain rights with respect to their personal data, including the right of access, correct, delete, restrict or object to our use to receive a portable copy in a usable electronic format of your personal information. You also have the right to withdraw any consent you have previously provided to us and to lodge a complaint with your local data protection or privacy regulator.

If you wish to exercise any of the rights described above, and the law of your jurisdiction requires us to comply with that request, please send your request in writing to the address listed in the “Contact” section. Your request must include any relevant information: (i) your name, email and postal address; (ii) the specific right you are asserting; and (iii) if you request removal, a brief explanation of why you believe such information should be removed.

To help us avoid fraudulent removal requests, please also include a legible copy of a document that verifies your identity. You do not need to provide a government-issued document; a utility bill or similar will suffice. You can also hide parts of the document, such as identification numbers, as long as the document continues to clearly identify you. If you are making the request on behalf of another person, please indicate your relationship to that person and provide evidence of your authority to make the request. All removal requests will be reviewed by the legal and compliance team and we reserve the right, in accordance with applicable laws, to accept or reject, or make further enquiries about any request.

You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive, or excessive. Alternatively, we may refuse to comply with your request in these circumstances.

We try to respond to all legitimate requests within a month. Occasionally it may take us more than a month if your request is particularly complex or you have made a series of requests. In this case, we will notify you and keep you informed.

6: How we protect your information

We take the security of your information very seriously and use appropriate technical and organizational measures to protect your information against unauthorized or illegal processing and against accidental loss, destruction or damage. We also limit access to information to those who reasonably need access to it to provide you with products and services, or to perform their work. However, because no security can be 100% effective, we cannot fully guarantee the security of the information we have collected from you.

7: Retention of your information

We retain the information we collect about you and from you for as long as necessary to fulfill the purpose for which we collect it and in order to satisfy any legal, accounting or reporting requirements. In determining the appropriate retention period for the personal information we process, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your information, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and applicable legal, accounting or reporting requirements. In some circumstances, we may choose to add and de-identify your information in such a way that we or any other company cannot reasonably re-identify you, in which case we may use this information indefinitely without notice.

In some circumstances, you may ask us to delete information: see your right to access, review, change or delete your information.

8: Linked Sites and Advertisements

The Services may contain links to third party websites. We are not responsible for the privacy practices or the content of those third party websites. We have relationships with third-party vendors to provide content, products, services, and functionality through the services. Those providers may collect information from you directly, in which case the provider’s privacy policy (which may differ from this Privacy Policy) would apply. If you have any questions regarding the privacy policy of any of our providers, you should contact the provider directly for more information.

We use cookies, pixel tags, web information, mobile device IDs, and similar files or technologies to collect and store the information that we automatically collect about your computer, device, and service usage. We use the term “cookies” in this policy to refer to cookies and all similar technologies that automatically collect information when our services are used.

If you do not accept the use of these cookies, disable them by following the instructions.

In this Cookie Policy, we use the term BitWorms (and “we”, “us” and “our”) to refer to

Cookies are text files containing small amounts of information that are downloaded to your computer or mobile device when you visit a website. The cookies are then sent back to the originating website on each subsequent visit, or to another website that recognizes that cookie. Cookies are widely used to make websites work or to work more efficiently, as well as to provide information to site owners. Cookies perform many different tasks, such as allowing you to navigate between pages efficiently, remembering your preferences, and generally improving the user experience. Cookies can tell us, for example, if you have visited our services before or if you are a new visitor. They can also help ensure that the ads you see online are more relevant to you and your interests.

There are two general categories of cookies: 

  • First-party cookies, which we send directly to your computer or mobile device.
  • Third-party cookies, which are served by a third party on our behalf. We use third-party cookies for functionality, performance / analytics, advertising, and social media purposes.

Cookies may remain on your computer or mobile device for different periods of time. Some cookies are ‘session cookies’, which means that they exist only while your browser is open. These are automatically removed once you close your browser. Other cookies are ‘persistent cookies’ (Up to 12 months from the moment of Log In), are stored on a user’s device to help remember information, settings, preferences, or sign-on credentials that a user has previously saved.

For any problems  or questions about privacy policy, please send an email to: [email protected]