Privacy & Data Policy

Last Updated: October 2, 2026

1. Introduction

Welcome to My Premium Learning ("MPL").

My Premium Learning is operated by MP Nerds LLC ("MP Nerds," "we," "us," or "our").

We respect the privacy of our users and are committed to handling personal information responsibly, transparently, and securely.

This Privacy & Data Policy ("Policy") explains how we may collect, use, store, process, disclose, and protect personal information when you access or use the My Premium Learning website, applications, learning tools, artificial intelligence features, subscriptions, and related services (collectively, the "Platform").

It also explains the choices and rights that may be available to you regarding your personal information.

By using MPL, you acknowledge the practices described in this Policy.

2. Scope of This Policy

This Policy applies to personal information processed through My Premium Learning, including information associated with:

• account registration;
• user profiles;
• learning preferences;
• personalized learning paths;
• courses and learning activities;
• quizzes and assessments;
• learning progress;
• AI-assisted learning features;
• searches and prompts;
• user-generated learning materials;
• subscriptions and transactions;
• customer support;
• communications;
• Platform analytics;
• competitions or challenges;
• security and fraud prevention; and
• other MPL functionality introduced from time to time.

Third-party websites and services linked from MPL may operate under their own privacy policies.

3. Information We May Collect

The information we collect depends on how you use MPL and which features you choose to use.

3.1 Account and Profile Information

When you register for or maintain an MPL account, we may collect information such as:

• name;
• username;
• email address;
• password or authentication information;
• profile information;
• preferred language;
• country or general region;
• account preferences; and
• other information you voluntarily provide.

Passwords should be stored using appropriate security protections and should not be stored by us in readable plain-text form.

3.2 Learning Information

To provide MPL's learning functionality, we may process information concerning your learning activity, including:

• selected subjects;
• learning goals;
• learning interests;
• courses or learning paths;
• completed lessons;
• progress;
• quiz and assessment results;
• answers submitted;
• learning history;
• achievements;
• challenges or competitions;
• saved learning materials;
• preferred learning methods;
• activity frequency; and
• other interactions with MPL learning functionality.

This information may be used to provide and improve personalized learning experiences.

3.3 AI Interaction Data

When you interact with MPL's artificial intelligence features, we may process:

• prompts;
• questions;
• instructions;
• responses;
• uploaded or submitted content;
• learning goals;
• selected subjects;
• feedback on AI responses; and
• related interaction information.

This information may be processed to generate requested content, personalize learning experiences, maintain functionality, improve Platform performance, prevent misuse, and protect Platform security.

Users should avoid entering unnecessary sensitive personal information into AI prompts or other free-text fields.

3.4 User-Generated Content

If MPL allows you to create, upload, save, or submit content, we may process that information to provide the relevant service.

This could include:

• notes;
• learning materials;
• documents;
• questions;
• answers;
• uploaded files;
• generated learning content;
• saved resources; and
• other materials you choose to provide.

You should only upload information that you are authorized to provide.

3.5 Payment and Subscription Information

If you purchase a subscription or paid feature, payment transactions may be processed by third-party payment providers.

Depending on the payment arrangement, we may receive information such as:

• transaction identifiers;
• subscription status;
• payment status;
• billing country;
• billing information;
• purchased plan;
• transaction date; and
• limited payment-related information.

We do not necessarily receive or store complete payment-card information when payments are handled directly by an external payment provider.

3.6 Technical and Device Information

When you use MPL, certain technical information may be collected automatically, including:

• IP address;
• browser type;
• operating system;
• device type;
• device identifiers where applicable;
• language settings;
• referring pages;
• pages visited;
• timestamps;
• session information;
• application events;
• crash information;
• performance data; and
• security logs.

3.7 Usage and Analytics Information

We may collect information about how users interact with MPL, such as:

• features used;
• pages viewed;
• navigation patterns;
• learning activities;
• session duration;
• clicks and interactions;
• feature adoption;
• errors encountered; and
• general Platform usage.

We use this information to understand Platform performance and improve MPL.

3.8 Communications and Support

If you contact us, we may process:

• your contact information;
• the contents of your communication;
• support requests;
• correspondence;
• feedback;
• complaints; and
• information reasonably necessary to respond to your request.

4. How We Use Personal Information

We may use personal information to:

• create and manage user accounts;
• provide MPL's learning functionality;
• generate personalized learning paths;
• provide AI-assisted learning;
• generate educational content;
• track learning progress;
• administer quizzes and assessments;
• save user preferences;
• provide recommendations;
• manage subscriptions;
• process transactions;
• provide customer support;
• communicate service information;
• maintain Platform security;
• detect fraud or misuse;
• troubleshoot technical problems;
• analyze Platform performance;
• improve features and user experience;
• develop new functionality;
• comply with legal obligations;
• enforce our Terms of Use; and
• protect the rights, security, and integrity of MPL, MP Nerds LLC, our users, and third parties.

We will not use personal information for materially incompatible purposes without an appropriate legal basis or notice where required.

5. Personalization and Learning Profiles

MPL may use information about your learning activity to personalize your experience.

For example, personalization may take into account:

• learning goals;
• selected subjects;
• progress;
• previous interactions;
• quiz performance;
• areas requiring additional practice;
• saved preferences; and
• Platform activity.

Personalization is designed to improve the relevance of MPL's learning experience.

It should not be interpreted as a professional assessment of a user's intelligence, ability, personality, health, or future academic potential.

6. Artificial Intelligence and Data

Artificial intelligence is an important part of certain MPL features.

Information submitted to AI functionality may be processed to provide the requested service.

Depending on MPL's technical infrastructure, third-party AI or technology service providers may process information on our behalf.

Where third-party processors are used, we seek to use appropriate contractual, technical, and organizational safeguards consistent with applicable privacy requirements.

MPL users should not intentionally submit unnecessary:

• passwords;
• financial account credentials;
• government identification numbers;
• highly sensitive personal information;
• confidential information belonging to another person; or
• information they do not have permission to provide.

AI outputs may be retained together with associated interactions where reasonably necessary to provide features, maintain user history, improve functionality, ensure security, or comply with legal requirements.

Where applicable, information may also be aggregated or de-identified for analytics and Platform improvement.

7. Legal Bases for Processing

Where laws such as the EU General Data Protection Regulation (GDPR) or similar legislation apply, our processing of personal information may rely on one or more legal bases.

These may include:

Contractual Necessity

Processing required to create your account, provide requested Platform functionality, manage subscriptions, or otherwise perform our agreement with you.

Legitimate Interests

Processing reasonably necessary for purposes such as:

• Platform security;
• fraud prevention;
• service improvement;
• analytics;
• technical administration;
• protection of our rights; and
• understanding how MPL is used,

provided those interests are not overridden by applicable privacy rights.

Consent

Where required, we may request your consent for particular activities, such as certain cookies, marketing communications, or other processing.

Where processing relies on consent, you may withdraw that consent as permitted by law.

Legal Obligations

We may process information where necessary to comply with legal, regulatory, tax, accounting, or other obligations.

Protection of Rights and Safety

Information may be processed where necessary and legally permitted to protect users, MP Nerds LLC, third parties, or the Platform.

8. Cookies and Similar Technologies

MPL may use cookies and similar technologies to:

• keep users signed in;
• remember preferences;
• maintain Platform functionality;
• protect account security;
• understand Platform usage;
• measure performance; and
• provide optional analytics or other functionality.

Cookies may include:

Strictly Necessary Cookies — required for essential Platform functionality.

Preference Cookies — remember settings and choices.

Analytics Cookies — help us understand Platform usage and performance.

Other Optional Cookies — may support additional functionality where implemented.

Where legally required, non-essential cookies will be used only after appropriate consent.

Users may be able to control cookie preferences through MPL's cookie settings and their browser settings.

Additional information may be provided in a separate Cookie Policy.

9. How We Share Information

We do not disclose personal information indiscriminately.

Information may be shared with third parties where reasonably necessary to operate MPL or where required by law.

Recipients may include:

Service Providers

Companies that support MPL with services such as:

• hosting;
• cloud infrastructure;
• authentication;
• database services;
• AI processing;
• email delivery;
• analytics;
• security;
• customer support;
• payment processing; and
• technical operations.

Service providers should receive only information reasonably necessary to perform their services and are subject to applicable contractual or legal obligations.

Professional Advisers

Information may be disclosed to lawyers, accountants, auditors, insurers, or other professional advisers where reasonably necessary.

Legal and Regulatory Authorities

We may disclose information when reasonably necessary to:

• comply with applicable law;
• respond to lawful requests;
• comply with court orders;
• enforce our legal rights;
• investigate fraud;
• protect Platform security; or
• protect users or third parties.

Business Transactions

If MP Nerds LLC or all or part of the MPL business is involved in a merger, acquisition, restructuring, financing, investment, sale, or transfer of assets, relevant information may be disclosed as part of the transaction, subject to appropriate confidentiality and legal safeguards.

10. Sale of Personal Information

MP Nerds LLC does not sell personal information in the ordinary meaning of selling personal information for monetary payment.

Certain privacy laws may define terms such as "sale," "sharing," or "targeted advertising" more broadly.

Where such laws apply and MPL engages in activities covered by those definitions, users will be provided with the rights and controls required by applicable law.

11. International Data Transfers

MPL may operate using service providers or infrastructure located in multiple countries.

As a result, personal information may be processed outside the country in which you live.

Where applicable privacy laws require safeguards for international data transfers, we will seek to use appropriate mechanisms, which may include:

• adequacy decisions;
• Standard Contractual Clauses;
• contractual protections;
• recognized certification frameworks; or
• other legally permitted transfer mechanisms.

12. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected, including to:

• maintain your account;
• provide Platform functionality;
• maintain learning history where requested;
• fulfill contractual obligations;
• resolve disputes;
• prevent fraud;
• maintain security;
• comply with accounting or tax obligations;
• establish or defend legal claims; and
• comply with applicable law.

Retention periods may vary depending on the type of information and applicable legal requirements.

When information is no longer required, we may delete, anonymize, or otherwise securely dispose of it in accordance with our data-retention practices.

13. Account Closure and Data Deletion

Users may request account closure or deletion of eligible personal information through available account settings or by contacting us.

Following a valid deletion request, we will delete or anonymize applicable personal information unless retention is necessary or permitted for reasons including:

• legal obligations;
• tax or accounting requirements;
• fraud prevention;
• security;
• dispute resolution;
• enforcement of agreements;
• protection of legal rights; or
• other lawful purposes.

Some information may remain temporarily in secure backup systems before being deleted through normal backup cycles.

Anonymized information that can no longer reasonably identify an individual may be retained.

14. Your Privacy Rights

Depending on where you live, you may have rights concerning your personal information.

These may include the right to:

• request access to personal information;
• request correction of inaccurate information;
• request deletion;
• request restriction of processing;
• object to certain processing;
• withdraw consent;
• request data portability;
• opt out of certain marketing;
• obtain information about how your data is processed; and
• submit a complaint to an appropriate data-protection authority.

These rights are subject to applicable law and may not apply in every circumstance.

We may need to verify your identity before fulfilling certain requests.

We will not unlawfully discriminate against users for exercising applicable privacy rights.

15. European Economic Area, United Kingdom, and Similar Privacy Regimes

Where GDPR, UK GDPR, or similar legislation applies, individuals may have specific rights concerning their personal information.

Users may also have the right to lodge a complaint with the data-protection authority responsible for their jurisdiction.

We encourage users to contact us first where appropriate so that we have an opportunity to address their concerns.

Nothing in this Policy limits statutory privacy rights.

16. United States Privacy Rights

Residents of certain U.S. states may have additional privacy rights under applicable state privacy legislation.

Depending on the jurisdiction and whether the relevant law applies to MPL, these rights may include:

• access;
• correction;
• deletion;
• data portability;
• information about categories of information collected;
• information about disclosures;
• opting out of certain forms of sale or sharing;
• opting out of targeted advertising; and
• rights concerning certain automated processing.

Requests may be submitted through the contact methods provided by MPL.

Where legally required, users may also have appeal rights if a privacy request is denied.

17. Children and Younger Users

MPL is an educational platform and may be of interest to younger users.

We do not knowingly collect personal information from children in violation of applicable children's privacy laws.

Where parental or guardian consent is legally required before a child may use particular Platform functionality, that consent must be obtained before the relevant personal information is processed.

Certain features may be unavailable or restricted for younger users.

If a parent or guardian believes that a child has provided personal information in violation of applicable law, they should contact us so that we can review the matter and take appropriate action.

MPL does not intend AI-powered learning functionality to replace appropriate parental, guardian, teacher, or professional supervision for younger learners.

18. Sensitive Personal Information

MPL is not designed to require users to provide highly sensitive personal information through ordinary learning interactions.

Users should avoid submitting unnecessary information concerning matters such as:

• health or medical records;
• government identification;
• financial credentials;
• passwords;
• precise location;
• biometric information; or
• other highly sensitive personal information.

Where sensitive information must be processed for a specific feature, we will seek to handle it in accordance with applicable legal requirements.

19. Data Security

We use reasonable technical, administrative, and organizational safeguards intended to protect personal information against:

• unauthorized access;
• unauthorized disclosure;
• alteration;
• misuse;
• loss; and
• destruction.

Security measures may include, where appropriate:

• encryption;
• access controls;
• authentication;
• secure infrastructure;
• monitoring;
• backups;
• logging;
• vulnerability management; and
• other security controls.

However, no internet-based system can guarantee absolute security.

Users are responsible for maintaining the confidentiality of their account credentials and protecting devices used to access MPL.

20. Data Breaches

If a personal-data breach occurs, MP Nerds LLC will investigate and respond in accordance with applicable legal requirements.

Where required, we will notify relevant supervisory authorities and/or affected individuals within legally prescribed periods.

Our response may include steps to contain the incident, investigate its cause, mitigate potential harm, and prevent recurrence.

21. Automated Processing

MPL may use automated systems to personalize learning experiences, generate recommendations, analyze learning activity, or provide AI-generated content.

These systems may influence what learning content or recommendations are displayed to users.

Unless expressly stated otherwise, MPL does not intend ordinary learning recommendations to constitute decisions producing legal or similarly significant effects on users.

Where applicable law provides rights relating to qualifying automated decision-making, those rights will be respected.

22. Marketing Communications

Where permitted, we may send users information concerning:

• MPL features;
• learning resources;
• Platform updates;
• new functionality;
• promotions; or
• related MP Nerds LLC services.

Where consent is required for marketing communications, we will request it.

Users may unsubscribe from marketing communications using the unsubscribe functionality provided or other available account controls.

Service-related communications, such as account security notices, subscription information, legal notices, or important Platform updates, may still be sent where necessary.

23. Third-Party Links

MPL may contain links to third-party websites, learning resources, or services.

We are not responsible for the privacy practices of third-party services that we do not control.

Users should review the privacy policies of those services before providing personal information.

24. Aggregated and De-Identified Information

We may create aggregated or de-identified information from Platform usage data.

Where information has been appropriately de-identified so that it no longer identifies or can reasonably be linked to an individual, we may use it for purposes such as:

• analytics;
• research;
• Platform development;
• performance measurement;
• understanding learning trends; and
• improving MPL functionality.

Where required by applicable law, we will take reasonable measures not to attempt to re-identify information maintained as de-identified data.

25. Changes to This Privacy & Data Policy

We may update this Policy periodically to reflect:

• changes to MPL;
• new features;
• new technologies;
• changes in data-processing practices;
• changes to service providers;
• security developments; or
• changes in legal or regulatory requirements.

The latest version will display an updated "Last Updated" date.

Where required by law, we will provide additional notice or obtain consent before material changes take effect.

26. Relationship With Other MPL Policies

This Privacy & Data Policy should be read together with the My Premium Learning Terms of Use, Cookie Policy, and any other policies or notices made available through the Platform.

If a specific MPL feature is subject to an additional privacy notice, that notice may provide further information about how personal information associated with that feature is processed.

Where there is a conflict between this Policy and a specific privacy notice relating to a particular feature, the more specific notice will apply to that feature to the extent of the conflict.

27. Data Controller

For personal information processed in connection with My Premium Learning, the responsible entity is:

MP Nerds LLC

Operator of My Premium Learning

Website: MyPremiumLearning.com

Where applicable data-protection law uses terms such as "controller," "business," or similar concepts, MP Nerds LLC may act in that capacity for personal information processed through MPL.

Certain third-party providers may independently act as controllers or businesses for information they process under their own terms and privacy policies.

28. Data Processors and Service Providers

MP Nerds LLC may engage third-party companies to process information on our behalf in connection with the operation of MPL.

These providers may support functions including:

• website and application hosting;
• cloud storage;
• databases;
• authentication;
• artificial intelligence;
• analytics;
• email and communications;
• payment processing;
• security and fraud prevention;
• technical support; and
• other infrastructure necessary to operate MPL.

Where required by applicable law, we seek to enter into appropriate contractual arrangements with processors and require them to process personal information in accordance with our instructions, applicable agreements, and relevant data-protection requirements.

Our service-provider relationships may change as MPL develops.

29. Data Accuracy

We take reasonable steps to maintain accurate personal information where accuracy is necessary for the purposes for which the information is processed.

Users are responsible for keeping their account and profile information reasonably current.

Where available, users may update certain information directly through their MPL account.

Users may also contact us to request correction of inaccurate personal information, subject to applicable law.

30. Data Minimization

We seek to collect and process personal information that is reasonably necessary for the operation, security, improvement, and lawful administration of MPL.

Users should avoid providing personal information that is not necessary for their learning activity or use of the Platform.

In particular, users should consider whether sensitive or confidential information is necessary before including it in:

• AI prompts;
• uploaded documents;
• learning notes;
• free-text fields;
• questions;
• assessments; or
• other user-generated content.

31. User Responsibility for Third-Party Personal Information

If you provide personal information concerning another person through MPL, you are responsible for ensuring that you have an appropriate legal basis, authorization, or permission to provide that information where required.

You should not upload confidential, private, or sensitive information concerning another individual unless you are authorized to do so.

32. Educational Organizations and Business Users

MPL may, now or in the future, provide functionality used by educational institutions, businesses, organizations, teachers, trainers, administrators, or other organizational customers.

Where an organization provides MPL access to individuals, the organization may separately determine how certain personal information is used.

Depending on the circumstances, MP Nerds LLC may process certain information on behalf of that organization rather than for its own independent purposes.

Where this applies, additional contractual terms or privacy notices may govern the processing relationship.

Users should also consult the relevant organization if they have questions concerning information controlled by that organization.

33. AI-Generated Learning Content and Privacy

AI-generated learning materials may be created using information submitted by the user and contextual information available within MPL.

Users should review generated content before saving, sharing, downloading, publishing, or otherwise relying upon it.

Where an AI-generated response inadvertently contains personal information or content that you believe should not be present, please notify us through the available support channels so that the matter can be reviewed.

MPL does not guarantee that AI-generated content will always be free from inaccurate references to individuals, organizations, or other information.

34. Downloading and Exporting Information

MPL may provide functionality allowing users to download or export certain learning materials, account information, progress information, or other content.

Once information is downloaded from MPL to a user's device or transferred to a third-party service at the user's direction, the security of that copy may be outside our control.

Users are responsible for appropriately protecting downloaded or exported information.

35. Account Security and User Responsibilities

Users play an important role in protecting their personal information.

You should:

• use a strong and unique password;
• keep login credentials confidential;
• avoid sharing account access;
• secure devices used to access MPL;
• sign out when using shared devices;
• keep your email account secure;
• be cautious about phishing or fraudulent communications; and
• notify us if you suspect unauthorized account access.

We may implement additional security measures, including verification or authentication procedures, where appropriate.

36. Privacy Requests

Where applicable law provides privacy rights, users may submit a request concerning their personal information.

A request may relate to matters including:

• access;
• correction;
• deletion;
• restriction;
• objection;
• portability;
• consent withdrawal; or
• other rights provided by applicable law.

To protect user information, we may request reasonable information to verify the identity and authority of the person making the request.

We will respond within the time period required by applicable law.

In certain circumstances, a request may be denied or limited where an exception under applicable law applies. Where legally required, we will explain the applicable reason.

37. Authorized Representatives

Where permitted by applicable law, an authorized representative may submit certain privacy requests on behalf of a user.

We may require evidence that the representative has authority to act for the user and may separately verify the user's identity.

Parents or legal guardians seeking to exercise rights relating to a child may also be required to demonstrate their authority where appropriate.

38. Complaints

If you have concerns about how MPL handles your personal information, please contact us through the support or contact functionality provided on the Platform.

We will seek to review legitimate privacy concerns and respond appropriately.

Depending on your location, you may also have the right to lodge a complaint with a competent privacy or data-protection authority.

Contacting us first does not remove any statutory right to contact an appropriate authority.

39. Do Not Track and Browser Privacy Signals

Some browsers and devices provide privacy signals or preference mechanisms.

Where applicable law requires MPL to recognize a particular legally valid browser-based opt-out preference signal, we will seek to process that signal in accordance with the applicable requirements.

Browser "Do Not Track" functionality is not interpreted consistently across all websites, browsers, or jurisdictions.

40. External Platforms and App Stores

If MPL is accessed through a third-party application marketplace, operating system, authentication provider, or other external platform, that provider may independently collect and process information.

Its processing is governed by its own privacy policy and contractual terms.

MP Nerds LLC is not responsible for independent processing carried out by third parties outside our control.

41. Business Transfers

My Premium Learning forms part of the MP Nerds LLC business portfolio.

If MPL, MP Nerds LLC, or relevant assets are involved in a potential or completed investment, financing, restructuring, merger, acquisition, sale, transfer, or similar transaction, personal information may be disclosed to relevant parties where reasonably necessary for evaluating or completing the transaction.

Where appropriate, information disclosed during such a process will be subject to confidentiality, security, and applicable data-protection requirements.

Following a transaction, users will be informed of material changes to the controller of their personal information where required by law.

42. No Guarantee of Absolute Security

We take data protection seriously and seek to maintain reasonable safeguards appropriate to the nature of the information processed.

However, no website, application, cloud environment, database, artificial intelligence system, or electronic communication method can be guaranteed to be completely secure.

Accordingly, we cannot guarantee absolute security.

Nothing in this section limits any responsibility that cannot legally be excluded under applicable data-protection law.

43. Changes in Ownership or Platform Structure

MPL may evolve, expand, combine with other services, introduce new technologies, or change its technical or organizational structure.

Where such changes materially affect the way personal information is processed, we will update this Policy and provide additional notice where required by law.

44. Contact Us

If you have questions, concerns, complaints, or requests concerning this Privacy & Data Policy or the processing of personal information through My Premium Learning, please contact:

My Premium Learning

Operated by MP Nerds LLC

Website: MyPremiumLearning.com

Please use the privacy, support, or contact functionality provided through the Platform for:

• privacy enquiries;
• data-access requests;
• correction requests;
• deletion requests;
• account-related privacy concerns;
• consent-related requests; or
• other data-protection matters.

Where additional contact details for privacy requests are provided on MPL, users should use those details.

45. Final Privacy Statement

My Premium Learning is designed to make learning more accessible, personalized, and engaging while respecting the privacy of its users.

Our approach to data is based on the principles of:

• transparency;
• appropriate data collection;
• purpose limitation;
• data minimization;
• security;
• user control;
• responsible use of artificial intelligence; and
• compliance with applicable privacy and data-protection requirements.

As MPL develops, we will continue reviewing our privacy practices and this Policy to reflect new functionality, technology, legal requirements, and user expectations.

© 2026 MP Nerds LLC. All rights reserved.

My Premium Learning is a platform of MP Nerds LLC.

Last Updated: October 2, 2026