Privacy Policy

This privacy policy was created to demonstrate our firm and continuing commitment to protecting the personal information provided by our clients. We hold the privacy of our clients in the highest regard.

We know the importance of protecting your privacy. Our policy is designed to assist you in understanding how we collect, use, and safeguard the personal information you provide to us.

It also assists you in making informed decisions when using our website, mobile applications, and other electronic services that aggregately support our offerings. This policy will be continuously assessed against new technologies, international best practices, general data protection, privacy regulations, as well as your evolving needs.

What Information Do We Collect?

When you access our products and services, you may provide us with two types of information:

  • Personal information you knowingly choose to disclose that is collected on an individual basis.
  • Website use information collected on an aggregate basis as you browse our website or use our mobile applications.

1. Personal Information you Choose to Provide

Registration and/or Account Opening Information

When you register or apply for any of our products or services, you will be required to provide us with information about yourself and your beneficiary.

If you choose to avail of our products and services, you may need to give personal information such as, but not limited to:

  • Name
  • Marital status
  • Occupation and income details
  • Mailing address
  • E-mail address
  • Business, home, and mobile phone numbers.

Email Information

If you choose to correspond with us through email, we may retain the content of your email messages together with your email address and our responses. We provide the same protections for these electronic communications that we employ in the maintenance of information received by mail and telephone.

2. Website Use Information

Similar to other websites, our website utilises a standard technology called “cookies” (see explanation below, “What Are Cookies?”) and web server log files to collect information about how our website is used. Information gathered through cookies and web server logs may include the date and time of visits, the pages viewed, time spent on our website, and time stamps just before and just after your visit to our website.

How do we use the information that you provide us?

Broadly speaking, we use personal information for administering our business activities, providing the products and services you requested, processing your payment, monitoring the use of our services, our marketing and promotional efforts, improving our content and service offerings, customising our site’s content and layout, and for other lawful purposes. This helps us to improve our products and services and to better tailor them to meet our clients’ needs.

Furthermore, such information may be shared with others on an aggregate basis. Personally identifiable information or business information will not be shared with parties except as required by law.

Occasionally, we may also use the information we collect to notify you about important changes to our website, mobile applications, new services, and special offers we think you will find valuable. You may notify us via our email address at any time if you do not wish to receive these offers.

What are Cookies?

A cookie is a very small text document that often includes an anonymous unique identifier.When you visit a website, that site’s computer asks your computer for permission to store this file in a part of your hard drive specifically designated for cookies. Each website can send its own cookie to your browser if your browser’s preferences allow it. But (to protect your privacy) your browser only permits a website to access the cookies it has already sent to you,not the cookies sent to you by other sites. Browsers are usually set to accept cookies.

However, if you would prefer not to receive cookies, you may alter the configuration of your browser to refuse cookies. If you choose to have your browser refuse cookies, it is possible that some areas of our site will not function as effectively when viewed by the users. A cookie cannot retrieve any other data from your hard drive or pass on computer viruses.

How do we use the information we Collect from Cookies?

As you visit and browse our website, cookies are used to differentiate you from other users.In some cases, we also use cookies to prevent you from having to log in more than is necessary for security reasons. Cookies, in conjunction with our web server’s log files, allow us to calculate the aggregate number of people visiting our website and which parts of the site are most popular. This helps us gather feedback to constantly improve our website and better serve our clients. Cookies do not allow us to gather any personal information about you and we do not intentionally store any personal information that your browser provided to us in your cookies.

IP Addresses

IP addresses are used by your computer every time you are connected to the Internet. Your IP address is a number that is used by computers on the network to identify your computer.IP addresses are automatically collected by our web server as part of demographic and profile data known as traffic data so that data (such as the Web pages you request) can be sent to you.

Sharing and Selling Information

We do not share, sell, lend or lease any of the information that uniquely identifies a subscriber (such as email addresses or personal details) with anyone except to the extent it is necessary to process transactions or provide services that you have requested.

If third-party companies are contracted to perform services for us on our behalf, then the contractual arrangement will require such companies to keep the information we provide confidential and to only use such information to the extent of the authorisation we provide.

How can you access and Correct your Personal Information?

You may request access to all your personally identifiable information that we collect online or otherwise and maintain in our database by emailing us at or by calling us at 1-876-908-3800.

Location of your Client Record

Your client record, whether electronic or paper, is kept at the offices of Heritage Education Funds International Inc. Paper records forming part of your client record may also be kept in offsite storage. Your client record may be transferred to other locations for disaster recovery purposes, which may be overseas.

What about Legally Compelled Disclosure of Information?

We may disclose information when legally compelled to do so. In other words, when we, in good faith, believe that the law requires it or for the protection of our legal rights. We may also disclose account information when we have reason to believe the information is necessary to identify, contact or bring legal action against someone who may be violating our Terms of Service or to protect the safety of our users and the public.

What about other websites linked to our website?

We are not responsible for the practices employed by websites linked to or from our website or the information or content contained therein. Often links to other websites are provided solely as pointers to information on topics that may be useful to the users of our website.

Please remember that when you use a link to go from our website to another website, our Privacy Policy is no longer in effect. Your browsing and interaction on any other website,including websites, which have a link on our website, is subject to that website’s own rules and policies. Please read over those rules and policies before proceeding.

Your Consent

By using our website and other electronic services, you consent to our collection and use of your personal information as described in this Privacy Policy. We reserve the right to amend this privacy policy at any time with or without notice.

Our Commitment To Data Security

Please note that your information will be on our secure servers using the most up-to-date global data compliance policies and technology. To prevent unauthorised access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.

Limits on time that Personal Information is kept

Heritage Education Funds International Inc. will hold your personal information as long as it is necessary or as required by law.
If/When Heritage Education Funds International Inc. destroys the information, Heritage Education Funds International Inc. will use safeguards to prevent unauthorised parties from gaining access to the information during such a process.


Our website, mobile applications, trading platforms, and other electronic offerings allow clients to voluntarily subscribe, unsubscribe or cease to utilise the services. Consequently,future access to that service is conditional on the action taken.


From time to time, our website requests information from users via surveys. Participation in these surveys is completely voluntary and the user, therefore, has a choice whether or not to disclose this information. Information requested may include contact (such as name) and demographic details (such as Country of Residency). Survey information will be used for purposes of monitoring or improving the use and satisfaction of our electronic services.

Acquisition or Changes in Ownership

If the website (or a substantial portion of its assets) is acquired, your information would be considered part of those assets and may be part of those assets that are transferred.

Policy Modifications

Heritage Education Funds International Inc. may change this Privacy Policy from time to time. If/When changes are made to this privacy policy, we will email clients who have permitted us to do so. We will post any changes to our website, so be sure to check back periodically. However, please be assured that if the Privacy Policy changes in the future, we will not use the personal information you have submitted to us under this Privacy Policy in a manner that is materially inconsistent with this Privacy Policy, without your prior consent.

If you believe that our Privacy Policy does not adequately address your privacy concerns or if you wish to discuss the treatment of your personal information, please contact us at 1-876-908-3800 or e-mail us at

Implemented on: October 1, 2022.