Information We Collect

When you interact with our platform, we gather different types of information. Some you give us directly. Other bits come from how you use the site.

What You Provide Directly

• Name and contact details when you sign up for our programs
• Email address for course communications and updates
• Phone number if you reach out through our contact form
• Payment information when you enroll (processed through secure third-party providers)
• Any messages or feedback you send us

Technical Information

Our website automatically collects certain technical data. This helps us understand how people find and use our educational materials.

• IP address and general location (city level, not your exact address)
• Browser type and device information
• Pages you visit and how long you spend on them
• Where you came from (search engine, direct link, etc.)
• Session data like timestamps and click patterns

How We Use Your Information

We don't collect information just for the sake of it. Everything we gather serves a specific purpose related to providing financial education.

We also use aggregated data (stripped of personal identifiers) to analyze trends in financial education needs across Canada. This helps us create more relevant content for different regions and demographics.

Cookies and Tracking

Like most websites, we use cookies. These are small text files stored on your device that help our site function properly and remember your preferences.

Types of Cookies We Use

• Essential cookies: These keep the site running. They remember if you're logged in and maintain your session security.
• Analytics cookies: We use these to see which educational topics get the most attention and where people tend to leave the site.
• Preference cookies: These remember your settings, like whether you prefer video content or written materials.

You can control cookies through your browser settings. Keep in mind that blocking certain cookies might affect how the site works for you.

Sharing Your Information

We don't sell your personal information. Period. But we do share it with a few trusted partners who help us operate.

All these partners are bound by strict confidentiality agreements. They can only use your information to provide services to us — not for their own purposes.

Legal Requirements

Sometimes we're legally obligated to share information. This happens if we receive a valid court order or need to comply with Canadian law enforcement requests. We'll always verify the legitimacy of such requests before complying.

Your Privacy Rights

Under Canadian privacy law, you have several rights regarding your personal information. You can exercise these anytime by contacting us.

• Access: Request a copy of all personal information we hold about you. We'll provide this within 30 days.
• Correction: Ask us to fix any inaccurate information. We'll update it promptly and notify any third parties if necessary.
• Deletion: Request that we delete your information (with some exceptions for records we're legally required to keep).
• Withdraw Consent: Opt out of non-essential communications anytime. Course-related emails will continue if you're actively enrolled.
• Data Portability: Get your information in a common format to transfer elsewhere.
• Object to Processing: Challenge how we use your information if you believe it's not aligned with what you consented to.

Data Security

We take security seriously. Our systems use industry-standard encryption and access controls to protect your information from unauthorized access, disclosure, or loss.

Technical Safeguards

• SSL/TLS encryption for all data transmitted to and from our site
• Encrypted storage for sensitive personal information
• Regular security audits and vulnerability assessments
• Limited employee access based on role requirements
• Two-factor authentication for administrative accounts

Despite our best efforts, no system is completely secure. If we detect a data breach affecting your personal information, we'll notify you within 72 hours and explain what happened and what we're doing about it.

Data Retention

We don't keep your information forever. Different types of data have different retention periods based on legal requirements and business needs.

Retention Periods

• Active learner data: Kept for the duration of your enrollment plus 2 years afterward
• Financial records: Retained for 7 years as required by Canadian tax law
• Marketing communications: Kept until you unsubscribe, then deleted within 30 days
• Website analytics: Aggregated data retained indefinitely; individual session data deleted after 26 months
• Support inquiries: Kept for 3 years for quality assurance and reference

After these periods, we securely delete or anonymize your information so it can no longer identify you.

Children's Privacy

Our financial education programs are designed for adults. We don't knowingly collect information from anyone under 18. If you're a parent and believe your child has provided us with personal information, please contact us immediately so we can delete it.

International Data Transfers

Your information is primarily stored on Canadian servers. However, some of our service providers operate in other countries, which means your data might occasionally be processed outside Canada.

When this happens, we ensure these providers meet Canadian privacy standards through contractual agreements. If a provider operates in a jurisdiction with weaker privacy protections, we implement additional safeguards to protect your information.

Changes to This Policy

We update this policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email and post a notice on our website for 30 days.

The "Last Updated" date at the top shows when we last revised this policy. We recommend checking back periodically, especially if you're a current learner.