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Pocket Change BDA
Effective Date: February 26.2026

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1. Introduction

Pocket Change BDA (“we,” “our,” or “us”) is a financial literacy education platform designed to provide resources, tools, and educational content to individuals and families in Bermuda.

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We are committed to protecting user privacy in accordance with the Personal Information Protection Act 2016 (PIPA) of Bermuda. This Privacy Policy explains our data practices and confirms that we do not collect, store, or process personal information through our website.

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2. No Personal Information Collection

Pocket Change BDA does not:

• Require account registration

• Provide login portals

• Collect names, email addresses, or contact details

• Store user-entered financial data

• Track identifiable user behavior

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In accordance with PIPA Section 6(1), which requires that personal information be used only for legitimate and specified purposes, Pocket Change BDA operates under a strict data minimization approach. Because we do not require personal data to deliver educational content, no such data is collected.

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3. No Tracking or Profiling

Pocket Change BDA does not use:

• Tracking cookies

• Behavioral analytics

• IP address logging for identification

• User profiling mechanisms

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If basic website performance analytics are implemented in the future, they will be aggregated and anonymized, ensuring no identifiable personal information is processed, consistent with PIPA Section 7 (Consent) and Section 8 (Fair and Lawful Use).

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4. Educational Tools and Calculators

Any financial calculators or interactive tools available on the site operate locally within the user’s browser. Information entered into tools:

• Is not transmitted to our servers

• Is not stored or retained

• Is not accessible by Pocket Change BDA

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This reflects the privacy-by-design principle embedded within PIPA Section 9 (Security Safeguards) and ensures user confidentiality.

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5. Third-Party Links

Our website may include links to external resources for educational purposes. Pocket Change BDA is not responsible for the privacy practices of third-party websites. Users are encouraged to review the privacy policies of external sites before submitting personal information.

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6. Data Security

Although we do not collect personal information, we maintain appropriate technical safeguards in accordance with PIPA Section 12 (Protection of Personal Information) to ensure the integrity and security of our website infrastructure.

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7. Children and Youth

Pocket Change BDA is an educational platform that may be used by students and young persons. As we do not collect personal data, we do not knowingly process information relating to minors. This approach aligns with enhanced protections contemplated under PIPA Section 6(2).

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8. Your Rights Under PIPA

Under PIPA Sections 19–22, individuals have the right to request access, correction, or deletion of personal information held by an organization.

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Since Pocket Change BDA does not collect or retain personal information, these rights are generally not applicable to our platform. However, we remain committed to transparency and will respond to any privacy inquiries.

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9. Changes to This Policy

We may update this Privacy Policy to reflect operational or legal changes. Any updates will be posted on this page with a revised effective date, in accordance with PIPA Section 10 (Openness and Transparency).

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10. Contact Information

If you have questions regarding this Privacy Policy, please contact:

Pocket Change BDA