Privacy Policy

Privacy Policy

Last updated: April 22, 2026

Twelve Program (“TWELVE,” “we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, store, and protect personal information when you visit www.twelveprogram.com and any related pages, services, courses, accounts, communications, or online learning features we operate (collectively, the “Site” and “Services”).

By using our Site or Services, you agree to the collection, use, and disclosure of information as described in this Privacy Policy.

1. Who We Are

TWELVE provides educational content, training, and related services in the financial crime and compliance field.

Privacy Contact:
info@twelveprogram.com

2. What Information We Collect

We may collect the following categories of personal information:

a. Information You Provide Directly

We may collect information you provide when you:

  • purchase a course or program;

  • create an account or sign in;

  • contact us through the Site or by email;

  • register for live sessions, webinars, exams, or related events;

  • subscribe to newsletters or marketing communications;

  • submit reviews, testimonials, surveys, or other feedback;

  • request customer support.

This information may include:

  • name;

  • email address;

  • billing address;

  • payment-related details;

  • account login details;

  • professional or employer information you choose to provide;

  • course enrollment and exam-related information;

  • any other information you submit to us voluntarily.

b. Payment Information

If you make a purchase, payment information may be collected and processed by our third-party payment processor(s). We do not store full payment card details on our own systems unless expressly stated at the point of collection.

c. Information Collected Automatically

When you visit the Site, we may automatically collect certain technical and usage information, such as:

  • IP address;

  • browser type;

  • device type;

  • operating system;

  • referring URLs;

  • pages viewed;

  • dates and times of access;

  • clicks, session activity, and other browsing information.

d. Cookies and Similar Technologies

We and our service providers may use cookies, pixels, tags, scripts, and similar technologies to:

  • operate and secure the Site;

  • remember preferences;

  • analyze traffic and usage;

  • improve performance;

  • support marketing and communications.

You can control cookies through your browser settings and, where available, through our cookie banner or consent tools.

3. How We Use Personal Information

We may use personal information to:

  • provide, operate, and maintain the Site and Services;

  • process purchases, enrollments, and exam access;

  • create and manage user accounts;

  • verify identity and prevent unauthorized access;

  • communicate with you about your account, purchases, sessions, exams, updates, and support requests;

  • deliver educational materials, recordings, certificates, or designations;

  • improve our courses, website content, and user experience;

  • monitor Site performance, security, and fraud risks;

  • comply with legal, regulatory, tax, accounting, and contractual obligations;

  • send newsletters or marketing communications where permitted by law or where you have consented.

4. Legal Basis and Consent

Where applicable, we collect, use, and disclose personal information with your consent or as otherwise permitted or required by law. By providing us with personal information, you consent to our handling of that information for the purposes identified in this Privacy Policy or at the time of collection.

You may withdraw your consent, subject to legal or contractual restrictions and reasonable notice. Withdrawal of consent may affect our ability to provide certain Services.

5. How We Share Information

We do not sell your personal information.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties

We may also disclose information:

  • where required by law, regulation, subpoena, court order, or other legal process;

  • to protect our rights, property, safety, users, or others;

  • in connection with a merger, acquisition, corporate reorganization, financing, or sale of all or part of our business or assets.

6. International Transfers

Your personal information may be stored or processed outside your province, territory, or country, including in jurisdictions where our service providers operate. Those jurisdictions may have privacy laws that differ from those in your home jurisdiction.

Where we transfer personal information, we take reasonable steps to ensure appropriate safeguards are in place.

7. Retention of Information

We retain personal information only for as long as necessary for the purposes described in this Privacy Policy, including to:

  • provide Services to you;

  • maintain business and financial records;

  • resolve disputes;

  • enforce our agreements;

  • comply with legal and regulatory obligations.

When personal information is no longer required, we will delete it, anonymize it, or securely destroy it, subject to applicable law.

8. Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information against loss, theft, unauthorized access, disclosure, copying, use, modification, or destruction.

No method of transmission over the internet or method of storage is completely secure. As a result, we cannot guarantee absolute security.

9. Your Rights and Choices

Subject to applicable law, you may have the right to:

  • request access to personal information we hold about you;

  • request correction of inaccurate or incomplete information;

  • withdraw consent to certain uses of your information;

  • unsubscribe from marketing emails by using the unsubscribe link in the message;

  • request information about our privacy practices.

To make a privacy request, please contact us using the information in Section 15 below. We may need to verify your identity before responding.

10. Marketing Communications

If you opt in to receive marketing or promotional communications, we may send you updates about courses, programs, events, and related offerings. You may unsubscribe at any time by clicking the unsubscribe link in the email or contacting us directly.

We may still send non-marketing communications related to your purchases, account, exams, certificates, or service updates.

11. Third-Party Services and Links

Our Site may contain links to third-party websites, platforms, or services, including social media platforms or external course-related resources. We are not responsible for the privacy practices, content, or security of third-party websites or services. We encourage you to review their privacy policies before providing personal information.

12. Live Sessions, Recordings, and Course Participation

If you participate in live sessions, webinars, or instructor-led events, we may collect information related to your registration, attendance, participation, chat submissions, questions, audio, video, or session recordings, where applicable.

By joining a live or recorded session, you acknowledge that your participation may be visible to instructors, moderators, or other attendees and may be recorded where disclosed in advance.

13. Testimonials and Reviews

If you submit a testimonial, review, endorsement, or other feedback, we may use it for educational, promotional, or marketing purposes, with your consent where required by law.

If you would like us to remove a testimonial you previously provided, please contact us and we will review your request.

14. Children’s Privacy

Our Site and Services are not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13 without appropriate authorization. If you believe a child has provided personal information to us in error, please contact us so we can investigate and take appropriate action.

15. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact:

info@twelveprogram.com

16. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to our practices, technologies, legal requirements, or business operations. When we do, we will post the updated version on this page and revise the “Last updated” date above.

Your continued use of the Site or Services after changes are posted means you accept the updated Privacy Policy, to the extent permitted by law.