Personal Information You Provide

• Name, email address, and phone number when creating an account
• Financial information necessary for using our services
• Communication preferences and feedback you share with us
• Professional background and experience level for tailored content
• Payment information for subscription services (processed securely through third-party providers)

Automatically Collected Data

We automatically collect technical information including IP addresses, browser type, device information, and usage patterns. This helps us improve our platform's performance and user experience while maintaining security standards.

Service Providers

We work with trusted third-party providers for payment processing, email communications, and analytics. These partners are contractually bound to protect your information and use it only for specified purposes.

Legal Requirements

We may disclose information when required by Canadian law, court orders, or to protect the safety and security of our users and platform. This includes cooperation with financial regulatory bodies when necessary.

Technical Safeguards

• SSL/TLS encryption for all data transmission
• Secure data centers with physical and digital access controls
• Regular security assessments and vulnerability testing
• Multi-factor authentication options for user accounts
• Automated monitoring systems for suspicious activity

Access and Correction

You can request access to your personal information and ask us to correct any inaccuracies. We'll respond to these requests within 30 days and provide the information in an accessible format.

Data Portability and Deletion

You may request to receive your data in a portable format or ask us to delete your personal information, subject to legal and regulatory retention requirements. Account deletion removes your access to personalized financial tools and educational progress tracking.

Retention Periods

• Active account data: Duration of account plus 7 years for financial records
• Communication logs: 3 years from last interaction
• Technical data and analytics: 2 years from collection
• Marketing communications: Until you unsubscribe or withdraw consent

Types of Cookies We Use

• Essential cookies for platform functionality and security
• Performance cookies to analyze usage and improve services
• Preference cookies to remember your settings and customizations
• Analytics cookies to understand user behavior and platform effectiveness

Cross-Border Protections

Any international transfers include contractual protections, adequacy decisions, or other mechanisms to ensure your data receives equivalent protection to Canadian privacy laws. You'll be notified of significant changes to our data transfer practices.

Staying Informed

We recommend reviewing this policy periodically. The "Last Updated" date at the top indicates when the most recent changes were made. Continued use of our platform after policy updates constitutes acceptance of the revised terms.