Kelvin Learns Investing together
Protect Your Wealth

This privacy policy informs how your personal data is collected, used, and protected.

1. Purposes of Collecting and Using Personal Data

We collect and use personal data for the following purposes:

• Providing community services and member management
• Sending educational content and newsletters
• Processing customer inquiries and improving services
• Providing marketing and promotional information (with consent)

2. Collected Personal Data

We collect the following personal data to provide our services:

• Mandatory information: Name, contact (phone number or KakaoTalk ID)
• Optional information: Email address, investment experience level

3. Retention and Use Duration of Personal Data

The collected personal data will be retained until a request for termination is made or until the purpose of collection is achieved. If legal retention is required, the data will be retained for the corresponding period:

• Records of consumer complaints or disputes: 3 years
• Records of electronic financial transactions: 5 years

4. Sharing Personal Data with Third Parties

We generally do not share personal data with third parties without the users' consent. Exceptions may exist in cases that are legally required or when prior consent of the user is given.

5. Security Measures to Protect Personal Data

We take the following measures to protect personal data:

• Encrypted storage and transmission of personal data
• Operation of a security system to prevent hacking and viruses
• Minimization and management of access to personal data

6. Users' Rights and Methods of Exercise

Users can exercise their rights to access, correct, delete, and restrict the processing of their personal data at any time. The exercise of these rights can be done by contacting the community administrator.

7. Data Protection Officer

The person responsible for processing personal data is as follows:

• Name: Kelvin Learns Investing
• Position: Operator
• Contact: Inquiry within the community

8. Changes to the Privacy Policy

This privacy policy may be changed due to changes in laws or service policies, and the changes will be announced on the website.

Effective: January 1, 2025

These terms of use govern the rights, obligations, and responsibilities between the operator and the members regarding the use of the Kelvin Learns Investing Investor Community (hereinafter referred to as "Service").

Article 1 (Purpose)

These terms regulate fundamental aspects of the use of the service and define the rights and obligations as well as the responsibilities between the operator and the members.

Article 2 (Definition of Terms)

• "Service" refers to the investment education community and related content provided by Kelvin Learns Investing.
• "Member" refers to a person who agrees to these terms and joins the service.
• "Content" refers to the investment educational resources, videos, newsletters, etc., provided in the service.

Article 3 (Effectiveness and Changes to the Terms)

These terms will be communicated to members upon application for use of the service and will take effect upon agreement. The operator may change the terms as necessary and will announce the changes in advance.

Article 4 (Content of the Service)

The service provides the following content:

• Investment educational content and guides
• Weekly investment studies and live sessions
• Exchange of real-time market information
• Space for exchange among community members
• Newsletters and investment insights

Article 5 (Obligations of Members)

Members must comply with the following points:

• Provide accurate personal data
• Do not use personal data of other individuals
• Do not engage in inappropriate actions such as insults, defamation, or spreading false information in the service
• Do not commercially use content without the operator's written consent
• Do not perform actions that disrupt the operation of the service

Article 6 (Notice of Investment Risks)

Important: This service is for investment education and information provision and does not constitute an invitation to invest in specific financial products. The information provided in the service is for reference only, and the final responsibility for investment decisions lies with the members. Investments in stocks and financial products carry the risk of loss of invested capital, and past returns do not guarantee future returns.

Article 7 (Disclaimer)

• The operator is not liable for losses incurred due to the investment decisions of members.
• The operator is not liable for interruptions of the service due to force majeure, system failures, etc.
• The responsibility for the accuracy of information provided by other members lies with the respective member.

Article 8 (Copyrights and Intellectual Property)

All content (texts, images, videos, materials, etc.) provided in the service is protected by copyright and belongs to the operator. Members may not copy, distribute, or commercially use this without the operator's prior consent.

Article 9 (Restriction of Use of the Service)

The operator may restrict the use of the service for members or revoke membership if:

• These terms are violated
• False information is provided
• The rights of other members are violated
• The normal operation of the service is disrupted

Article 10 (Dispute Resolution)

Disputes arising in connection with the use of the service will be resolved in accordance with the laws of the Federal Republic of Germany, and the competent court is the court at the operator's location.

Effective: January 1, 2025