Introduction to Cookies

This Cookie Policy explains how HSB Hub ("we," "our," or "us") uses cookies and similar tracking technologies when you visit our asset management education platform and related websites (collectively, the "Services"). This policy provides detailed information about what cookies are, how we use them, the types of cookies we deploy, and your choices regarding cookie usage.

By continuing to use our Services, you acknowledge that you have read and understood this Cookie Policy and consent to our use of cookies as described herein. If you do not agree with our use of cookies, you should adjust your browser settings or discontinue use of our Services.

We may update this Cookie Policy from time to time to reflect changes in our practices, technology, or legal requirements. We encourage you to review this policy periodically to stay informed about how we use cookies to enhance your learning experience.

Types of Cookies We Use

Strictly Necessary Cookies

These cookies are essential for our website to function properly and cannot be disabled in our systems. They are usually set in response to actions you take that amount to a request for services, such as setting your privacy preferences, logging in, or filling in forms. Without these cookies, some parts of our Services may not work properly.

• Authentication and login session management
• Security and fraud prevention measures
• Load balancing and website performance optimization
• Form submission and data processing
• Shopping cart and transaction processing
• Accessibility features and user interface preferences
• GDPR consent management and privacy settings

Performance and Analytics Cookies

These cookies help us understand how visitors interact with our website by collecting and reporting information anonymously. This data helps us improve our platform's performance, identify popular content, and optimize user experience.

• Website traffic analysis and user behavior tracking
• Page load times and technical performance monitoring
• Error tracking and debugging information
• A/B testing and feature optimization
• Heat mapping and user interaction analysis
• Conversion tracking and goal completion measurement
• Search functionality and content discovery patterns
• Mobile app performance and usage analytics

Functional Cookies

These cookies enable enhanced functionality and personalization features. They may be set by us or by third-party providers whose services we have integrated into our platform. If you do not allow these cookies, some or all of these services may not function properly.

• Language preferences and localization settings
• Learning progress tracking and course completion status
• Personalized content recommendations and suggestions
• User interface customization and display preferences
• Saved searches and bookmarked content
• Social media integration and sharing capabilities
• Live chat and customer support functionality
• Video player settings and playback preferences
• Notification preferences and communication settings

Marketing and Advertising Cookies

These cookies are used to deliver advertisements that are relevant to you and your interests. They may also be used to limit the number of times you see an advertisement and help measure the effectiveness of advertising campaigns.

• Targeted advertising based on browsing behavior and interests
• Retargeting campaigns for users who have visited our website
• Cross-device tracking for consistent advertising experiences
• Advertising campaign performance measurement and optimization
• Affiliate marketing tracking and commission attribution
• Social media advertising integration and audience building

Third-Party Cookies and Services

We work with trusted third-party service providers who may place cookies on your device to help us deliver and improve our Services. These partners are carefully selected and are required to maintain appropriate data protection standards.

Analytics and Performance Services

We use third-party analytics services to better understand how our platform is used and to identify opportunities for improvement:

• Google Analytics: Provides detailed insights into user behavior, traffic sources, and content performance
• Hotjar: Offers heat mapping and user session recording to understand user interactions
• Mixpanel: Tracks user events and engagement patterns for product optimization
• New Relic: Monitors application performance and identifies technical issues

Educational Technology Partners

We integrate with specialized educational technology providers to enhance our learning platform:

• Video Hosting Services: For delivering high-quality educational video content
• Assessment Platforms: For creating and managing quizzes, tests, and evaluations
• Learning Management Systems: For tracking progress and managing educational workflows
• Collaboration Tools: For enabling peer discussions and group learning activities

Communication and Support Services

• Email Marketing Platforms: For delivering educational newsletters and course updates
• Customer Support Tools: For providing help desk and live chat functionality
• Survey and Feedback Platforms: For collecting user feedback and course evaluations

Payment and Security Services

• Payment Processors: For secure handling of subscription and course payments
• Fraud Prevention Services: For detecting and preventing fraudulent activities
• Security Monitoring: For protecting against cyber threats and unauthorized access

Important Note: Third-party cookies are governed by the respective privacy policies of these service providers. We encourage you to review their privacy policies to understand how they collect and use your information.

Cookie Consent and Legal Compliance

Consent Management

We are committed to obtaining appropriate consent for our use of cookies in accordance with applicable privacy laws, including the General Data Protection Regulation (GDPR) and other relevant legislation. Our consent management approach includes:

• Clear and prominent cookie consent notices when you first visit our website
• Granular consent options allowing you to choose which types of cookies to accept
• Easy-to-access tools for withdrawing or modifying your consent at any time
• Regular review and updates of our consent mechanisms
• Documentation of consent decisions for compliance purposes

Legal Basis for Cookie Use

We use cookies based on the following legal grounds:

• Legitimate Interest: For essential platform operations and security
• Consent: For analytics, marketing, and non-essential functionality
• Contract Performance: For providing services you have requested
• Legal Obligation: For compliance with applicable laws and regulations

International Data Transfers

Some of our third-party service providers may be located outside your country of residence. When cookies facilitate international data transfers, we ensure appropriate safeguards are in place, including:

• Standard contractual clauses approved by relevant data protection authorities
• Adequacy decisions recognizing equivalent levels of data protection
• Certification schemes and binding corporate rules