Cognizant Energy operates as a budget planning education platform based in South Korea. We help people understand their finances better through learning programs and resources. Our office is located at 9-2 Dong-gu, Gwangju, and you can reach us at help@cognizantenergy.com or +82533210626.

When we say "we," "us," or "our" in this policy, we're talking about Cognizant Energy. "You" means anyone using our website or services.

We only collect what helps us provide better service or what we're required to keep by South Korean law. Here's what that looks like in practice:

We don't collect financial account details, social security numbers, or sensitive personal data beyond what's listed above. If we ever need additional information, we'll ask permission first and explain exactly why.

Everything we collect serves a specific purpose. We're not interested in building profiles to sell or using your data for anything unrelated to our education services.

We don't use your information for automated decision-making or profiling. Any communication you receive from us is either essential (like password resets) or educational content you've opted into receiving.

We don't sell your information. Period. But we do work with some service providers who help us operate the platform. These relationships are limited and carefully managed:

Each third party we work with signs agreements limiting what they can do with your data. They can only use it to provide their specific service to us, and they can't share it with anyone else.

We might share information if required by South Korean law enforcement or legal proceedings, but we'll notify you unless prohibited from doing so. We've never received such a request as of February 2025.

We keep your information only as long as necessary. This varies depending on the type of data and why we collected it:

After these periods, data is either permanently deleted or anonymized so it can't be traced back to you. We conduct quarterly reviews to ensure we're not holding onto information longer than needed.

Under South Korean data protection laws, you have significant control over your personal information. These aren't just theoretical rights—we've built systems specifically to honor these requests:

To exercise any of these rights, email us at help@cognizantenergy.com with "Data Request" in the subject line. We'll verify your identity and respond within 14 business days. There's no fee for these requests unless they're clearly excessive or repetitive.

If you're not satisfied with how we handle your request, you can file a complaint with South Korea's Personal Information Protection Commission. We'll provide contact details and guidance if you decide to go this route.

We take data security seriously because breaches aren't just inconvenient—they break trust. Our approach combines technical safeguards with careful operational practices:

But here's the reality: no system is 100% secure. If we ever experience a data breach affecting your information, we'll notify you within 72 hours and explain exactly what happened, what data was involved, and what steps we're taking. We'll also report it to relevant authorities as required by South Korean law.

We primarily operate within South Korea, but some of our service providers use servers in other countries. When data leaves South Korea, we ensure it receives equivalent protection through approved transfer mechanisms.

For example, our cloud hosting provider has data centers in Japan and Singapore. Both locations have been recognized by South Korean authorities as providing adequate data protection. We've also implemented additional contractual safeguards requiring these providers to maintain South Korean-level protections regardless of where servers are physically located.

If you're accessing our services from outside South Korea, your data may be transferred to and processed in South Korea. By using our services, you acknowledge this transfer.

We use minimal cookies—small files stored on your device that help the site function properly. Our approach is straightforward: essential cookies only, with optional ones requiring your consent.

We don't use advertising cookies or share cookie data with ad networks. You can control cookie preferences through your browser settings, though disabling essential cookies will affect site functionality.

Our services are designed for adults interested in financial education. We don't knowingly collect information from anyone under 14 years old. If you're under 14, please don't create an account or submit personal information.

For users between 14 and 18, we require parental consent before creating an account. Parents can contact us at any time to review, modify, or delete their child's information.

If we discover we've accidentally collected data from someone under 14, we'll delete it immediately and notify the parents if we can identify them.

We update this policy occasionally as our services evolve or regulations change. When we make significant changes, we'll notify active users by email at least 30 days before the new policy takes effect.

Minor updates (like clarifying existing practices or fixing typos) happen without notification, but we always update the "Last Updated" date at the top of this page. We recommend checking back every few months if you're an active user.

Previous versions of this policy are archived and available upon request if you want to see what changed over time.