Privacy Policy

Talgo Education (referred to as “us” “we” or “our”), take the privacy and protection of your personal information seriously.

So, we’ve set out below information about our processing of your personal information, what rights you have, and how you can get in touch if you want to know more.

When we say personal information, we mean data, whether true or not, about you who can be identified: (a) from that data; or (b) from that data and other information to which we have or are likely to have access. We collect personal information from you that is necessary for us to either provide you with the Service(s).

For the purpose of this Privacy Notice any reference to Services in this Privacy Notice will denote all the services provided by us in this website) you’ve requested or to comply with statutory or contractual requirements. Unfortunately, if you’re unable to provide certain personal information which is necessary for us to provide our Services to you, we will not be able to provide you with those Services.

By submitting your information to us, or signing up for any Services offered and/or distributed by us, you agree and consent to us, and where appropriate our respective representatives, agents, third party service providers, contractors and/or appointed distribution/business partners (collectively referred to as ““us” “we” or “our””), collecting, using, disclosing personal data in the manner set forth in the prevailing terms of this Privacy Notice, including any future amendments. You acknowledge and agree that we may, from time to time, amend and update this Privacy Notice in order to ensure it is consistent with future developments, industry trends and/or any changes in legal or regulatory requirements.

Please note that the purposes set forth in this Privacy Notice supplement but do not supersede any other consents you may have previously provided to us or which you may provide to us in the future.

We may change this Privacy Notice from time to time by updating our Privacy Notice page on our website. We encourage you to check our Privacy Notice from time to time on our website, as the version of our Privacy Notice which is displayed on our website takes precedence over all previous versions of our Privacy Notice.

Each term defined in the Terms and Conditions shall have the meaning assigned thereto in this Privacy Notice, unless expressly provided herein to the contrary.

Personal Information We Process

Personal and contact details, such as title, full name, contact details and contact details history;
Your date of birth, gender and/or age;
Name of family members (if relevant to the Service);
Records of your contact with us such as via the phone number of our customer service centre and, if you get in touch with us online using our online services or via our smartphone app, details such as your mobile phone location data, IP address and MAC address;
Services you are receiving from us, as well as those you have been interested in and have held and the associated payment methods used;
The usage of our Services, any claims and whether those claims were paid out or not (and details related to this);
Analysis of data relating to marketing made to you, including history of communications and whether you open them or click on links;
Information about your use of services held with our marketing partners;
Information we obtained from third parties;
Fraud, debt and theft information, including details of money you owe, suspected instances of fraud or theft, and details of any devices used for fraud;
Criminal records information, including alleged offences;
Information about your health or if you are a vulnerable customer;
Financial details about you, such as your salary and details of other income, details of your savings, details of your expenditure, and payment method(s);
Information about your employment status;
Your residency and/or citizenship status;
Insights about you and our customers gained from analysis or profiling of customers; and
Tax information

Where We Get Your Personal Information

We’ll collect personal information from the following general sources:

From you directly, and any information from family members;
Information generated about you when you use our Services;
When you submit an application or registration form, or any other forms relating to any Services offered by us;
When you sign up to receive our Services;
When you enter into any agreement or provide other documentation or information in respect of your interactions and transactions with us, or when you use our services;
When you interact with our customer service officers, representatives, agents or appointed service providers (for example, via telephone calls, letters, face-to-face meetings, social media platforms, surveys, workshops and/or e-mails);
When you use our electronic services, or interact with us via mobile services, social media accounts, digital platforms, any of our websites or web services;
When you request us to contact you (whether pursuant to a request for more information, complaints, or any other purposes);
When you respond to our promotions, lucky draws, contests, events, initiatives, surveys organised by us and/or any other request for personal data;
Cookies, location services, IP addresses when you visit our website or mobile app.
Questionnaire and contact details when you complete surveys, i or when you update contact us form on our website;
From other sources such as Fraud Prevention Agencies, Credit Reference Agencies, other lenders, publicly available directories and information (for example, telephone directory, social media, internet, news articles), debt recovery and/or tracing agents, other organisations to assist in prevention and detection of crime, police and law enforcement agencies; and
We buy or rent information about you or customers generally from third parties including demographic information, vehicle details, claims history, fraud information, marketing lists, publicly available information and other information to help improve our Services or our business.
When your images are captured by us via CCTV cameras while you are within any of our premises, or via photographs or videos taken by us, our representatives or our agents when you attend our events;
When we receive references from Tutors, End Users and/or third parties (for example, where you have been referred by them);
When we receive information from third parties about you when you make payment through (including but not limited to physical and digital payments).
When we seek information from third parties about you in connection with the Services you have applied for;;
When you submit your personal data to us for any other reason; and/or
Other publicly available sources where relevant and appropriate.

Cookie Policy

This Cookie Policy applies to any Service that links to this policy or incorporates it by reference. Our website uses cookies and similar technologies such as pixels, visitor tracking and tags to distinguish you from other users of our website and to gain insight on your interaction with content on our website. This helps us to provide you with a good experience when you use our website and also allows us to improve our website. A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer. Cookies contain information that is stored on your computer’s hard drive. You have the ability to accept or decline cookies by modifying the setting in your browser.

Purpose	Legal basis for processing
Verifying your identity and any information you provide to us;	Necessary for the performance of our contract with you or in order to take steps prior to entering into a contract with you. After our contract is complete, our legitimate interests in maintaining and developing our relationship with you.
Assessing and processing of any payments arising due to the provision of the Services;
Carrying out your instructions or responding to your queries, complaints, feedback and requests and/or otherwise communicating with you in relation to the Services;
Communicating with you on updates to the Services, terms and conditions and providing administrative information;
The administration of our Services, including to enable us to perform our obligations to you as discussed with you prior to any purchase the Services;	Necessary for the performance of our contract with you or in order to take steps prior to entering into a contract with you.
Carrying out checks using agencies such as credit reference agencies, tracing companies, or publicly available information;
Carrying out due diligence activities in accordance with any legal, regulatory or internal risk management obligations in relation to your application with and/or through us;
The provision of customer services – like to reply to a question, or tell you that something’s changing;	Necessary for the performance of our contract with you. After our contract is complete, our legitimate interests in maintaining and developing our relationship with you.
Automated decision-making or profiling; and
Keeping your information on record and carrying out other internal business administration.
Administering and managing your relationship, Services with us, which includes activities such as (i) signing up for Services (ii) collecting any outstanding payments from you, or (iii) processing any refunds to you;
Processing and dealing with any debt collections and disputes.
Conducting research, surveys, analysis and development activities in order to improve the Services we offer to you, as well as to improve the overall customer experience;	Our legitimate interests in designing and improving our Services, provide value added services, developing our business and gaining insight into how our Services are used.
Administering contests, lucky draws and events;	For managing our relationship with you, including notifying you of our marketing events, initiatives, promotions.
Telecommunications, information technology, payment, processing and training	Necessary for the performance of our contract with you or in order to take steps prior to entering into a contract with you. After our contract is complete, our legitimate interests in maintaining and developing our relationship with you.
Storing, hosting, backing up of your personal data (including via clouds storage), and for otherwise managing and ensuring the efficiency and security of our IT environment and business operations;	Our legitimate interests in storing, hosting, backing up of your personal data to maintain and develop our relationship with you.
Monitoring of undesired sales practice and ensuring compliance with our own policies and standards, as well as compliance with any policies or standards;	Compliance with our legal obligations, and other local regulations.
Managing our administrative and business operations and complying with internal policies and procedures;	Compliance with our legal obligations.
Complying with any legal, regulatory and good governance obligations (which may include responding to requests from public or governmental authorities);	Compliance with our legal obligations.
Conducting audit reviews;	Necessary for the performance of the contract with you and complying with any applicable laws, regulations, codes of practice, guidelines, or rules, or to assist in law enforcement and investigations conducted by any governmental and/or regulatory authority
Monitoring and coaching Tutors and/ or employees and for quality assurance	Our legitimate interests in monitoring and coaching employee and agent to upkeep our service quality.
If you have consented – to send your marketing, advertising and promotional information about the Services that we may be selling or marketing; and	Compliance with local regulation.
Any other such purpose which may be incidental or ancillary to any of the above purposes.

In addition, we handle and safeguards your personal data for the purpose of administering and managing your agreement with us.

Who we share your personal information with and why

We’ll share your personal information with the Tutors, business partners and/ or service providers for any of the purposes set out in section 4. We may process your personal information in a country other than the one you are resident in. To the extent we transfer your personal data, we will use appropriate safeguards and comply with the laws of the country to which your personal information is transferred.

We work with many external parties in order to provide you with a seamless experience in relation to any Services you have purchased from us. In the ordinary course of business, we may be required to disclose personal data to such external parties and these external parties may be located overseas.

We only disclose your personal data, where appropriate and necessary, for one or more of the above-mentioned Purposes or as permitted by law. The external parties we may disclose your personal data to include, but is not limited to, the following:

Tutors;
Our third-party service providers, sub-contractors of third-party service providers, contractors and vendors – which could include accountants, auditors, lawyers, IT service providers, business consultants, event managers, debt collection service providers, other such third-party service providers and sub-contractors of such third-party service providers which may assist us in carrying out our business activities;
Public and governmental authorities, including regulatory authorities – to comply with legal process, to respond to requests from such parties, to detect and prevent fraud and to protect our business operations; and
Your family, relatives;
Any social media and/or advertising platform providers such as Google and Facebook if you have consented to receiving marketing, advertising and promotional information; and
Any other party whom you authorize us to disclose your personal data to.

Accuracy and protection of personal data

We will take reasonable efforts to ensure that any personal data we have about you is accurate and complete. However, this means that you must also update us of any changes to the personal data that you had initially provided to us in a timely fashion.

We will also take reasonable efforts to protect the personal data in our possession by making reasonable security arrangements to prevent unauthorized access, collection, use, disclosure, copying, modification, disposal or any similar risks.

Third-Party Sites

Our website may contain links to other websites operated by third parties, which may be co-branded with our logo or trademark, even though they are not operated or maintained by us. We are not responsible for the privacy practices of such third parties that are linked to our website. Once you have left our website, we strongly encourage you to refer to the applicable privacy policy of the third-party website to determine how they will handle any information they collect from you.

We keep your personal information for a set amount of time

Your personal information will be stored either for as long as you are our customer, or longer if required by law or as is otherwise necessary.

We may use your personal information to make automated decisions or profile you

We may use your personal information to make automated decisions affecting you or to conduct other profiling (for example, marketing profiling). To the extent that we conduct such automated decision-making activity, we’ll provide you with further information at the appropriate time.

You’re in control

When it comes to how we use your personal data, you have the right to:

Request a copy of your personal data (we have the right to charge a reasonable fee to complete this request);
Request that we correct anything that’s wrong, or complete any incomplete personal data;
Complain to a data protection authority or another independent regulator about how we’re using it.

If you want to exercise your rights, or would like an explanation about these rights, we’ve explained how you can get in touch by emailing us at savi@talgomath.com. If you do need to speak to us, we may monitor or record calls or any other communication we have with you. This might be for training, for security, or to help us check for quality.

Acting on someone else’s behalf?

If you give us personal information about another person (or persons), we’ll take that to mean they have appointed and authorised you to act on their behalf. This includes providing consent to:

our processing of their personal information and sensitive personal information (as we’ve explained above); and
you are getting any information protection notices on their behalf.

If for any reason you are concerned as to whether you are permitted to provide us with the other person’s information, please contact us at savi@talgomath.com before sending us anything.

Direct Marketing

We will still send you information by post and/or electronic email about our Services.

Additionally, from time to time, we would like to contact you by electronic means with details about Services and any special offers. We will only do this if you have consented to us contacting you by electronic means.

If you consent to receiving marketing, advertising and promotional information about our Services we may use third-party social media advertising platforms, such as Facebook, Instagram, WhatsApp, Google, etc. to send you messages that are targeted at you, to increase the efficiency of our advertising campaigns. We use third-party solutions carry out advertising campaigns and send messages to you. In doing so, your personal data would be shared with such third-party advertising platforms, who may attempt to match your profile in their database to show you an advertisement for Services marketed by us or to exclude you from being shown certain advertisements for Services marketed by us which may not be applicable to you.

And if you change your mind, and / or you would like to opt-out of receiving non-electronic direct marketing, it’s easy to let us know through the following channels:

If you do not wish to receive marketing materials from us, or for any further queries, please email us at savi@talgomath.com.

Withdrawal of Consent

If you withdraw your consent to any or all use of your personal data, depending on the nature of the request, we may not be in a position to continue administering any existing contractual relationships with you, which result in certain legal consequences. This may be disadvantageous to you, and we may not be able to provide any Services.