Privacy Policy
Information We Collect
When you interact with our educational platform, we collect various types of information to provide you with personalized learning experiences and maintain our service quality. This information helps us understand your educational needs and deliver relevant investment fundamentals content.
Personal Information
- Name, email address, and contact information when you register for courses
- Educational background and experience level to customize your learning path
- Communication preferences for newsletters and course updates
- Payment information processed through secure third-party processors
- Profile information including learning goals and investment interests
Usage and Technical Data
- Course progress, completion rates, and assessment scores
- Website navigation patterns and feature usage
- Device information, browser type, and operating system
- IP address and geographic location for content localization
- Session duration and interaction patterns within our platform
We never collect sensitive financial account information, social insurance numbers, or personal investment portfolios. Our focus is solely on educational delivery and platform improvement.
How We Use Your Information
Your information serves specific purposes related to educational delivery and service improvement. We believe in using data responsibly to enhance your learning experience while respecting your privacy preferences.
| Purpose | Data Used | Legal Basis |
|---|---|---|
| Course delivery and progress tracking | Account information, learning progress | Contract performance |
| Personalized content recommendations | Usage patterns, course preferences | Legitimate interest |
| Customer support and inquiries | Contact details, communication history | Contract performance |
| Platform security and fraud prevention | Technical data, usage patterns | Legitimate interest |
| Marketing communications (with consent) | Contact preferences, interests | Consent |
We analyze learning patterns to improve course content and identify areas where students typically need additional support. This helps us refine our curriculum and develop more effective educational materials for future learners.
Data Sharing and Third Parties
We maintain strict control over your personal information and only share data when necessary for service delivery or legal compliance. Our partnerships with third-party providers are governed by comprehensive data protection agreements.
Service Providers
- Payment processors for secure transaction handling (Stripe, PayPal)
- Email service providers for course communications (Mailchimp)
- Cloud hosting services for platform infrastructure (AWS Canada)
- Analytics providers for usage insights (Google Analytics with IP anonymization)
- Customer support tools for inquiry management
Legal Disclosures
We may disclose your information when required by Canadian law, court orders, or regulatory authorities. This includes compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and relevant provincial privacy legislation.
We never sell your personal information to third parties for marketing purposes. Any data sharing is strictly limited to service delivery and legal compliance requirements.
Your Privacy Rights
Under Canadian privacy legislation, including PIPEDA, you have specific rights regarding your personal information. We're committed to facilitating the exercise of these rights through clear processes and reasonable timeframes.
Access Right
Request a copy of all personal information we hold about you, including how it's being used and with whom it's shared.
Correction Right
Ask us to correct or update any inaccurate or incomplete personal information in our systems.
Withdrawal of Consent
Withdraw your consent for marketing communications or data processing activities that aren't essential for service delivery.
Data Portability
Receive your personal information in a structured, commonly used format for transfer to another service provider.
Exercising Your Rights
To exercise any of these rights, contact us at [email protected] with your request. We'll respond within 30 days and may need to verify your identity to protect against unauthorized access. Some requests may take longer for complex inquiries involving extensive data review.
Data Security and Protection
We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our security framework combines technical, administrative, and physical safeguards appropriate for the sensitivity of the information we handle.
Technical Safeguards
- SSL/TLS encryption for all data transmissions
- Advanced firewalls and intrusion detection systems
- Regular security audits and vulnerability assessments
- Secure data centers with 24/7 monitoring
- Multi-factor authentication for administrative access
Administrative Controls
- Staff training on privacy and security procedures
- Role-based access controls limiting data exposure
- Regular review and updating of security policies
- Incident response procedures for potential breaches
- Background checks for personnel with data access
Despite our best efforts, no security system is completely impenetrable. In the unlikely event of a data breach affecting your personal information, we'll notify you and relevant authorities as required by Canadian privacy laws, typically within 72 hours of discovery.
Data Retention and Deletion
We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements. Different types of information have different retention periods based on their purpose and legal requirements.
| Information Type | Retention Period | Rationale |
|---|---|---|
| Account and profile information | Duration of active account plus 3 years | Course access and customer support |
| Course progress and assessments | 7 years after course completion | Educational records and certification |
| Payment and billing records | 7 years after transaction | Tax and accounting compliance |
| Marketing communications | Until consent withdrawn plus 30 days | Preference management |
| Technical logs and analytics | 26 months maximum | Security monitoring and improvement |
Secure Deletion Process
When retention periods expire or you request deletion, we use secure deletion methods that make data recovery technically infeasible. This includes overwriting storage media and destroying physical backups according to industry standards.
Cookies and Tracking Technologies
Our website uses cookies and similar technologies to enhance your browsing experience, remember your preferences, and analyze how our platform is used. You have control over most cookies through your browser settings, though some are essential for basic functionality.
Types of Cookies We Use
- Essential cookies: Required for login, course navigation, and security features
- Performance cookies: Help us understand how visitors use our website
- Functionality cookies: Remember your preferences and settings
- Marketing cookies: Used with your consent to deliver relevant advertisements
You can modify your cookie preferences at any time through your browser settings or our cookie preference center. Disabling certain cookies may affect your ability to use some features of our platform, particularly course progress tracking and personalized recommendations.
We use Google Analytics with IP anonymization enabled to understand general usage patterns. This helps us improve our educational content and platform usability while protecting individual privacy.
Children's Privacy
Our investment fundamentals education services are designed for adults and individuals who have reached the age of majority in their jurisdiction. We do not knowingly collect personal information from children under 18 years of age without appropriate parental consent.
If we become aware that we have collected personal information from a child under 18 without proper consent, we will take immediate steps to delete that information from our systems. Parents or guardians who believe their child has provided personal information to us should contact us immediately.
Educational Exceptions
In cases where our courses are part of accredited educational programs for students under 18, we require explicit written consent from parents or guardians and limit data collection to educational necessities only. Such arrangements include additional safeguards and shorter retention periods.
International Data Transfers
As a Canadian company, we primarily store and process your personal information within Canada. However, some of our service providers may process data in other jurisdictions with adequate privacy protections, including the United States and European Union.
When we transfer personal information outside Canada, we ensure appropriate safeguards are in place, including standard contractual clauses, adequacy decisions by the Privacy Commissioner of Canada, or other legally recognized transfer mechanisms that provide equivalent protection.
Cross-Border Service Providers
- Cloud infrastructure providers with Canadian data centers and compliance certifications
- Payment processors operating under international financial regulations
- Email service providers with adequate data protection measures
- Customer support tools with appropriate privacy safeguards
You have the right to obtain information about any international transfers of your personal information and the safeguards in place to protect it during such transfers.
Changes to This Privacy Policy
We may update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. When we make material changes, we'll notify you through email or prominent notices on our platform before the changes take effect.
Minor updates, such as clarifications or administrative changes, may be made without advance notice. We encourage you to review this policy periodically to stay informed about how we protect your privacy and handle your personal information.
Version History
- January 15, 2025: Updated data retention periods and added clarity on international transfers
- September 12, 2024: Enhanced cookie policy and user rights explanations
- March 8, 2024: Initial comprehensive privacy policy implementation
Continued use of our services after policy changes indicates your acceptance of the updated terms. If you disagree with any changes, you may close your account or contact us to discuss your concerns.
Privacy Questions and Contact
If you have questions about this privacy policy, need assistance exercising your privacy rights, or want to report privacy concerns, we're here to help. Our privacy team is committed to addressing your inquiries promptly and thoroughly.
For complaints about our privacy practices, you may also contact the Office of the Privacy Commissioner of Canada at 1-800-282-1376 or through their website at priv.gc.ca.