Information We Collect

When you interact with our educational platform, we gather different types of information depending on how you use our services.

Information You Provide Directly

This includes data you actively share with us:

• Account details like your name, email address, and phone number when you register
• Payment information when you enroll in courses (processed through secure third-party providers)
• Messages you send through our contact forms or support channels
• Course progress data, quiz responses, and assignment submissions
• Feedback and reviews you choose to share about our programs

Automatically Collected Information

Our platform collects some technical data automatically to function properly:

• Browser type, device information, and operating system
• IP address and general location data (city and province level)
• Pages you visit and time spent on different sections
• Cookies and similar tracking technologies (more on this below)
• Referral sources and navigation patterns within our site

How We Use Your Information

We don't collect data just for the sake of it. Here's what we actually do with your information:

Data Sharing and Third Parties

Running an online education platform means working with some external service providers. We share limited information with:

• Payment processors who handle transactions securely (they see only what's needed to process payments)
• Email service providers for sending course materials and updates
• Analytics tools that help us understand how students use the platform
• Cloud hosting services where our content and data are stored
• Customer support software to manage and respond to your questions

Each of these providers is carefully selected and bound by agreements that require them to protect your information. They can't use your data for their own purposes.

We might also share information when legally required—like responding to court orders or protecting someone's safety. But we'll push back on overly broad requests and inform you when legally permitted.

Your Rights Under Canadian Law

PIPEDA gives you specific rights regarding your personal information. Here's what you can do:

Access Your Information

You can request a copy of the personal data we hold about you. We'll provide it within 30 days, though we might ask you to verify your identity first.

Correct Inaccuracies

Found something wrong in your profile? You can update most information directly through your account settings. For other corrections, contact us and we'll fix it promptly.

Request Deletion

You can ask us to delete your account and associated data. Keep in mind we might need to retain some information for legal or accounting purposes, like transaction records. We'll explain what we keep and why.

Withdraw Consent

If you've agreed to receive marketing emails, you can opt out anytime using the unsubscribe link in those messages. For other consents, reach out to us directly.

File a Complaint

Not happy with how we've handled your privacy concerns? You can file a complaint with the Office of the Privacy Commissioner of Canada. We'd prefer you contact us first so we can try to resolve things directly.

Cookies and Tracking Technologies

Like most websites, we use cookies—small files stored on your device that help our platform work better. Some are essential (you can't log in without them), while others help us improve your experience.

We use three types:

• Essential cookies keep you logged in and remember your course progress
• Performance cookies show us which pages are popular and where students get stuck
• Functional cookies remember your preferences like language settings

You can control cookies through your browser settings, but turning off essential ones might break some functionality. Most browsers let you block third-party cookies while keeping first-party ones active—that's a reasonable middle ground.

Data Security Measures

We take reasonable steps to protect your information from unauthorized access or disclosure. This includes:

• Encryption of data during transmission using SSL/TLS protocols
• Secure storage with access limited to authorized personnel
• Regular security assessments and updates to our systems
• Password protection requirements and secure authentication
• Employee training on data protection practices

No system is completely foolproof—we can't guarantee absolute security. But we're committed to responding quickly if a breach occurs, including notifying affected users as required by Canadian law.

Data Retention

We don't keep your information forever. How long we retain data depends on what it's for:

• Active account data is kept while you're using our services
• Course completion records are maintained for seven years (standard educational record-keeping)
• Financial records are kept for seven years per Canadian tax regulations
• Support communications are typically deleted after three years
• Analytics data is aggregated and anonymized after 26 months

When you close your account, we delete or anonymize your personal information within 90 days, except for what we're legally required to keep.

International Data Transfers

Our primary servers are located in Canada, but some of our service providers operate in other countries, including the United States. When we transfer data outside Canada, we ensure adequate protection through:

• Standard contractual clauses approved by Canadian privacy authorities
• Verification that providers maintain equivalent privacy protections
• Regular audits of international service providers

Data stored outside Canada may be subject to foreign laws, including lawful access by governments in those jurisdictions. We inform you about this because transparency matters.

Children's Privacy

Our platform is designed for adults interested in learning about investing. We don't knowingly collect information from anyone under 16. If you're a parent who discovers your child has created an account, please contact us immediately and we'll delete it.

Changes to This Policy

We update this policy occasionally as our practices evolve or laws change. When we make significant changes, we'll notify you by email or through a prominent notice on our platform. The date at the top tells you when the current version took effect.

We encourage you to review this policy periodically. Continued use of our services after changes means you accept the updated terms.