Privacy Policy

1. Introduction

MO TRADING (“we”, “our”, “us”) is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your data when you use our Platform.

2. Information We Collect

• Account data: Name, email address, and hashed password when you register.
• Payment data: Transaction IDs and payment confirmation data. We do not store full card numbers — payments are processed entirely by Razorpay.
• Usage data: Course progress, lesson completion status, and enrollment records.
• Technical data: Browser type, IP address, and access logs for security purposes.

3. How We Use Your Information

• To provide and manage your account and purchased courses.
• To process payments and verify transactions via Razorpay.
• To track and display your learning progress.
• To send important account or purchase-related notifications.
• To improve the Platform and troubleshoot issues.

4. Payment Processing

All payment transactions are processed by Razorpay. When you make a payment, you are subject to Razorpay’s Privacy Policy. We only receive a payment confirmation ID and transaction status — we do not have access to your full card details or bank account information.

5. Data Sharing

We do not sell, rent, or trade your personal information to third parties. We may share data only:

• With Razorpay for payment processing.
• With Vercel for hosting and analytics (anonymized).
• When required by law or to protect our legal rights.

6. Data Retention

We retain your account and purchase data for as long as your account is active or as needed to provide services. You may request deletion of your account by contacting us.

7. Security

We use industry-standard security measures including HTTPS encryption, hashed password storage (bcrypt), and httpOnly JWT cookies to protect your data. However, no method of transmission over the internet is 100% secure.

8. Cookies

We use a single authentication cookie (“mo_trading_token”) to maintain your login session. This cookie is httpOnly and is not accessible by JavaScript. No third-party tracking cookies are set by us.

9. Your Rights

You have the right to:

• Access the personal data we hold about you.
• Request correction of inaccurate data.
• Request deletion of your account and associated data.

To exercise these rights, contact us via our contact page.

10. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes by posting a notice on the Platform.