1. Who We Are

This Privacy Policy explains how Synercate and its associated brands and projects (collectively, “we,” “us,” “our”) collect, use, disclose, and protect personal information when you visit or use our websites, podcasts, platforms, courses, tools, and related services (collectively, the “Services”).

Brands covered by this Policy include (non-exhaustive):

  • Synercate (including Synercate.com and related sites)

  • Synercate EA (Our affiliated company in Rwanda)

  • InvestComPro (training, compliance, standards learning platforms)

  • WealthArbiter / Wealth Arbiter (personal finance coaching/tools)

  • CompositeInsider (GIPSPodcast and related content)

  • SustainWealth (podcast/content focused on investment industry standards and sustainability)

Controller/Operator: Synercate Ltd, Synercate EA Ltd
Registered address: 11 Rev. Hesse Street, Accra Ghana
Privacy contact: contact@synercate.com

If different brands are operated by different legal entities (or joint controllers), we’ll specify that on the relevant website/app.

2. Scope

This Policy applies to personal information we process:

  • On our websites and apps

  • Through accounts/logins (if applicable)

  • Through courses, coaching, newsletters, downloads, events, webinars

  • Through podcast websites/pages, embedded players, and audience interactions

  • Through support channels (email, chat, forms)

  • When we interact with you on social media (to the extent we control the data)

  • Through social media platforms

It does not apply to third-party sites/services you may access via links or integrations (those have their own policies).

We collect information in three main ways: (a) you provide it, (b) it’s collected automatically, and (c) we receive it from third parties.

A) Information you provide

Depending on how you use our Services, you may provide:

  • Identity & contact: name, email, phone, address, country

  • Professional info: employer/organization, job title, credentials, industry role

  • Account info: username, password (stored hashed), profile details

  • Transaction & billing: purchase history, invoicing details (we generally do not store full card details; payment processors handle this)

  • Submissions: messages, feedback, survey responses, testimonials, comments

  • Coaching/training inputs: goals, learning progress, worksheets you upload, and other content you choose to share

B) Information collected automatically

When you visit our sites or use our Services, we may collect:

  • Device & connection data: IP address, browser type, device identifiers, operating system, language, approximate location (city/country), referral URLs

  • Usage data: pages viewed, clicks, time spent, course progress, downloads, error logs

  • Cookies and similar technologies: cookies, pixels, SDKs, local storage, tags

C) Information from third parties

We may receive information from:

  • Payment processors (purchase confirmations, payment status)

  • Email platforms/CRMs (subscription status, campaign interactions)

  • Analytics providers (aggregated usage insights)

  • Event/webinar platforms (attendance, registration data)

  • Podcast platforms (generally aggregated listener analytics; some platforms may provide more detailed reporting depending on settings)

  • Social media platforms (if you interact with our pages/content)

We use personal information to:

  1. Provide the Services (deliver content, courses, podcasts, downloads, coaching, communities)

  2. Create and manage accounts (authentication, access control, preferences)

  3. Process transactions (payments, subscriptions, invoices, fraud prevention)

  4. Communicate with you (service updates, support, responses to inquiries)

  5. Send marketing (newsletters, product updates, event invitations) — you can opt out anytime

  6. Improve and personalize (optimize content, recommend resources, product development)

  7. Security and integrity (detect misuse, prevent fraud, secure systems)

  8. Compliance and legal (meet regulatory, contractual, and legal obligations)

Where required, we rely on one or more of the following:

  • Consent (e.g., marketing emails, non-essential cookies)

  • Contract (to deliver paid content, courses, subscriptions, coaching) as part of our Terms of Use Policy here, our primary contract with users of our services

  • Legitimate interests (service improvement, security, analytics, communications proportional to your relationship with us)

  • Legal obligation (tax, accounting, regulatory requests)

  • Vital interests (rare; emergency situations)

We use cookies and similar technologies to:

  • Keep sites functioning (security, session management)

  • Remember preferences

  • Measure performance and usage

  • Support marketing/ads (if enabled)

Where required by law, we ask for consent for non-essential cookies and provide controls consistent with applicable guidance on storage/access technologies (e.g., cookies, pixels, device storage).

Your choices:

  • Use our cookie banner / cookie settings tool (if available)

  • Adjust browser/device settings (note: blocking some cookies may impact site features)

  • Opt out of marketing communications (unsubscribe link or contact us)

  • If we use targeted advertising and applicable laws require it, we provide opt-out mechanisms (see Section 11)

We may share personal information with:

A) Service providers (processors)

Vendors who help us operate the Services, such as:

  • Website hosting, storage, and CDNs

  • Analytics and performance monitoring

  • Email delivery, newsletters, CRM

  • Customer support tools (chat, ticketing)

  • Payment processing and invoicing

  • LMS/course platforms, community platforms

  • Webinar/event platforms

  • Podcast hosting/embeds, media hosting

  • Security tools (spam prevention, fraud detection)

  • AI tools used for drafting, summarizing, support automation, or learning features (if enabled)

These providers are authorized to process data only as needed to provide services to us under appropriate contractual safeguards.

B) Affiliates

We may share data among affiliated entities for internal administration, service delivery, and improvement.

C) Legal and safety

We may disclose information if required by law, court order, regulatory request, or to protect rights, safety, and security.

D) Business transfers

If we undergo a merger, acquisition, restructuring, or asset sale, personal information may be transferred subject to appropriate protections.

We may process and store information in countries other than where you live (e.g., where vendors host systems). When required, we use appropriate safeguards (such as contractual protections) and implement security measures designed to protect your information

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

  • To provide services and maintain records

  • For legal, accounting, and compliance needs

  • To resolve disputes and enforce agreements

Retention periods vary by data type. You can request deletion where applicable (see Section 11).

We use reasonable administrative, technical, and organizational measures to protect personal information (e.g., access controls, encryption in transit where supported, secure vendor contracts, monitoring). No system is 100% secure; you use the Services at your own risk.

Your rights depend on where you live. Where applicable, you may have rights to:

  • Access your personal information

  • Correct inaccurate information

  • Delete information

  • Restrict or object to processing

  • Withdraw consent (where processing is based on consent)

  • Data portability

  • Opt out of certain processing (e.g., targeted advertising)

Rwanda (Data Protection & Privacy Law)

Rwanda has a dedicated data protection law and supervisory requirements. You can contact us to exercise applicable rights.

California (CCPA/CPRA)

If you are a California resident and the law applies to our processing, you may have rights such as:

  • Know/access, delete, correct

  • Opt out of “sale”/“sharing” (as defined by law)

  • Limit use of sensitive personal information (if applicable)

  • Non-discrimination for exercising rights

California regulations governing privacy policies and notices are set out in CPPA regulations effective January 1, 2026. California Privacy Protection Agency

How to submit a request:
Email: contact@synercate.com with subject “Privacy Request”
We may verify your identity before fulfilling requests.

Global Privacy Control (GPC)

Where required, we honor recognized opt-out preference signals (such as GPC) for applicable processing.

Our Services are generally intended for professional or general audiences. We do not knowingly collect personal information from children under 13 (or a higher age where local law requires). If you believe a child provided personal information, contact us and we will take appropriate steps to delete it.

Some Wealth Arbiter content is designed for families and may be child-focused (for example, educational stories, activities, or tools intended to be used by a parent/guardian together with a child). However, our Services are designed so that children do not create accounts and do not submit personal information.

A) Parent/guardian-only participation

  • Only parents/guardians (or adults) may sign up, subscribe, purchase, or contact us.
  • We may collect information from adults as described in this Privacy Policy, but we do not intend to collect personal information directly from children.

B) No child accounts, profiles, or direct submissions

At this time, we do not allow:

  • Child user accounts or child profiles
  • Children to submit personal information through forms, comments, chats, or community features
  • Uploads or sharing of children’s content (including photos, videos, voice recordings, drawings, assignments, or documents)
  • Public posting or community sharing of children’s work

C) If a child’s information is sent to us

We do not knowingly collect personal information from children under 13 (or a higher age threshold where local law requires). If we learn that we have received personal information from a child (for example, if an adult submits it in a message or form), we will take steps to delete it or de-identify it as soon as reasonably practicable.

D) Parent/guardian requests

Parents/guardians can contact us to request deletion of any child-related personal information that may have been submitted to us unintentionally.

Email: contact@synercate.com
Subject line: “Child Privacy Request”
We may request information needed to verify you are the child’s parent/guardian.

E) Safety note for families

Please do not submit any sensitive information about a child through our forms or support channels (including precise location, school details, medical information, identification numbers, or images/audio).

Please do not submit sensitive personal information (e.g., government IDs, health data, biometric identifiers) unless we explicitly request it for a specific purpose with appropriate safeguards.

We may use automation or AI tools to support customer service, content drafting, learning personalization, analytics, and security. We do not intend to make decisions that produce legal or similarly significant effects solely through automated processing without appropriate safeguards, where such restrictions apply.

Our sites may include embedded content (e.g., podcast players, videos) or links to third parties. Those third parties may collect data under their own privacy policies. Review their policies before using those services.

We may update this Policy from time to time. We’ll post the updated version with a new “Last updated” date. Material changes may be notified via the website or email where appropriate.

Questions or requests:
Email: contact@synercate.com

Last updated: 2 January 2026