Legal

Privacy Policy

CONGRUENCE IN CLOSING
Operated by I&J Holdings LTD

Business Registration Number: 78135021
Address: Unit 1113, 11/F, Peninsula Centre, No. 67 Mody Road, Kowloon, Hong Kong
Effective Date: 26 January 2026

1. Introduction

This Privacy Policy explains how I&J Holdings LTD, operating as Congruence in Closing, collects, uses, stores, and protects your personal information when you interact with our website, services, or communications.

2. Information We Collect

Personal Information

Name
Email address
Phone number

Service-Related Information

Information submitted to access training, content, or inquiries

Usage & Technical Data

IP address
Browser and device information
Pages visited and interactions

Cookies

We use cookies and similar technologies to improve website functionality and analyze usage.

3. How We Use Your Information

Provide access to on-demand training
Communicate service-related updates
Respond to inquiries
Improve our Services
Send marketing communications only where consent is provided
Comply with legal obligations

4. SMS Communications (A2P Compliance)

If you opt in to receive SMS messages from Congruence in Closing, we may send:

Informational messages related to on-demand training access
Follow-up communications
Promotional messages only if you explicitly consent

You may opt out at any time by replying STOP.
For help, reply HELP.

5. Mobile Information Use & Sharing

We do not sell, rent, or share your mobile phone number or SMS consent data with third parties for their marketing purposes.

6. Data Sharing

We may share personal information with trusted third-party service providers strictly for operational purposes, such as:

CRM and communication platforms
Website hosting and analytics
Payment processors

All providers are required to maintain appropriate data protections.

7. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information. However, no system is completely secure.

8. Data Retention

We retain personal information only as long as necessary to:

Provide Services
Meet legal or regulatory requirements
Resolve disputes

9. Your Rights

Depending on your location, you may have the right to:

Access your data
Correct inaccuracies
Request deletion
Opt out of marketing communications

To exercise your rights, contact:
iestyn@congruenceinclosing.com

10. International Data Transfers

Your data may be processed in Hong Kong or other jurisdictions where we or our service providers operate, with appropriate safeguards in place.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Updates will be posted with a revised effective date.

12. Contact Us

I&J Holdings LTD
Unit 1113, 11/F, Peninsula Centre
No. 67 Mody Road, Kowloon, Hong Kong
Email: iestyn@congruenceinclosing.com