Scope
This Privacy Policy explains how CoursesX, operated by Rugged I/O LLC, collects, uses, discloses, and protects information when you access https://coursesx.io/, use the application environment in the application environment, create an account, buy a course, contact support, connect third-party services, or otherwise use the Services. This Privacy Policy is incorporated into the Terms.
Information We Collect
- Account information: name, email address, username, password hash, account settings, verification status, and authentication details.
- Purchase information: the courses you buy, payment status, the name and email address you enter at Stripe checkout, tax information, and limited payment details provided by Stripe.
- Usage and device data: IP address, browser, device identifiers, log data, pages viewed, feature usage, diagnostics, cookies, and similar technologies.
- Learning and integration data: course enrollments and progress, goals, journals, prompts you run in the prompt tools, AI chat conversations, API keys you choose to add for AI providers, and third-party service responses needed to provide the Services.
- User Content: prompts, comments, files, feedback, messages, settings, support requests, and other content you provide.
How We Use Information
We use information to:
- Provide, secure, operate, personalize, troubleshoot, and improve the Services.
- Create accounts, authenticate users, process course purchases, enroll you in the courses you buy, and manage billing.
- Connect third-party services at your direction and display related data inside the Services.
- Generate analytics, AI outputs, alerts, product insights, and support responses.
- Monitor abuse, prevent fraud, enforce Terms, protect rights, and comply with legal obligations.
- Send service notices, security alerts, policy updates, and marketing communications where permitted. You may opt out of marketing emails.
Cookies and Tracking
We use cookies, local storage, pixels, and similar technologies for authentication, security, preferences, analytics, performance, and product improvement. Google Analytics is treated as essential and runs on every visit, whatever you choose in the cookie banner. You can control cookies through your browser settings, but disabling certain cookies may limit functionality.
How We Share Information
We do not sell personal information in the ordinary meaning of selling data for money. We share information with the categories of service providers and processors listed below. We may also share information when you direct us to connect a third-party service, during a business transfer, to comply with law, to enforce our rights, or to protect users and the public.
Third-party processors we use today
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Large-language-model providers (process your prompts and AI outputs):
- Kimi (Moonshot AI) — hosted in China; processes prompt text for AI chat, the AI learning assistants and prompt tools, and AI journal reviews.
- MiniMax — hosted in the United States and Singapore; processes prompt text for AI chat, the AI learning assistants and prompt tools, and AI journal reviews.
- Google Gemini — hosted in the United States (with EU/UK sub-processing); processes prompt text for AI chat, the AI learning assistants and prompt tools, and AI journal reviews.
- OpenAI ChatGPT — hosted in the United States; processes prompt text for AI chat, the AI learning assistants and prompt tools, and AI journal reviews.
- DeepSeek — hosted in China; processes prompt text for AI chat, the AI learning assistants and prompt tools, and AI journal reviews.
- Payments: Stripe, Inc. (US). Runs the hosted course checkout and processes card details, the name and email address you enter at checkout, payments, refunds, and chargebacks. Subject to PCI-DSS.
- Security, IP Geolocation & Content Moderation: IPInfo.io (processes signup, login, and course-purchase IP addresses for approximate location, security, and fraud prevention), Google reCAPTCHA (processes signup challenge tokens and device signals to block automated abuse), and Sightengine (processes user-uploaded images for automated safety and nudity/scam moderation).
- Analytics, error monitoring & real-time messaging: Google Analytics (measures site and page usage on every visit; it runs regardless of your cookie-banner choice), Bugsnag (SmartBear Software — receives error stack traces, request metadata, environment data, the database query values involved in an error, and, when you are signed in, your account profile details such as name, email address, IP address, and billing identifier; used only to diagnose and fix errors), Pusher (delivers real-time in-app notifications and chat message updates), and Discord / Slack webhooks (deliver internal alerts to our team, including new course purchases with the buyer's email address, IP address, and approximate location, plus account and support events).
- Hosting & email delivery: AWS (including Amazon S3 for user avatars, cover images, post media, and uploads) / GCP / equivalent cloud providers in the United States; transactional and notification email delivery via Mailtrap. Each operates under a written data-processing agreement.
Security and Retention
We use administrative, technical, and organizational safeguards designed to protect information. No internet transmission or storage system is completely secure, and we cannot guarantee absolute security.
Retention categories and periods. We retain different categories of information for different periods, summarised below. "Account" means the user PII we associate with your login (name, email, password hash, billing details). "Content" means the posts, comments, forum discussions, messages, journals, goals, prompts, AI chat messages, AI insights, AI request logs, and any other user-generated data you have produced inside the Services.
- Account PII (name, email, password, billing tokens): retained while your account is active; hard-deleted or irreversibly anonymised within 30 days of account closure.
- Content (posts, journals, goals, AI chat messages, AI insights, AI request logs, prompts, responses): retained while your account is active. After account closure, identifying fields are removed; content rows are retained in anonymised form as part of our legitimate interest in operating the platform. Anonymised content is not linked back to a natural person.
- Billing records (invoices, Stripe events): retained for at least 7 years to satisfy tax, accounting, and AML obligations.
- Audit and security logs: retained for at least 1 year for fraud detection and incident response.
- Support correspondence: retained for at least 2 years for service quality and legal defence.
Your Choices and Rights
Depending on where you live, you may have rights to access, correct, export, restrict, or object to certain processing of your personal information. You may also have the right to withdraw consent where processing is based on consent. To make a request, contact [email protected]. We may need to verify your identity before completing a request.
Account closure and PII deletion. You can request account closure at any time through account settings. We will hard-delete or irreversibly anonymise your Account PII within 30 days. Note that anonymised Content (posts, AI chat messages, AI insights) is retained per §6.
International Processing
Information may be processed in the United States and other jurisdictions where CoursesX or its service providers operate. Those jurisdictions may have data protection laws different from those in your location.
Children's Privacy
The Services are not directed to children or anyone under 18. We do not knowingly collect personal information from anyone under 18. If you believe a minor provided information to us, contact [email protected].
Changes to This Policy
We may update this Privacy Policy by posting a revised version on this page or otherwise providing notice. Continued use of the Services after an update means the revised policy applies to information collected after the effective date, subject to applicable law.
