Information We Collect
When you register for our learning programs or contact us directly, we collect your name, email address, phone number, and mailing address. We also gather professional information like your current investment experience level and financial education background.
As you participate in our investment patience training programs, we track your course completion rates, quiz results, module preferences, and learning milestones to personalize your educational experience.
Our website automatically collects your IP address, browser type, device information, operating system, and general location data. We use this to ensure our platform works properly across different devices and browsers.
We maintain records of your inquiries, support requests, feedback submissions, and any correspondence you have with our team. This helps us provide better service and resolve issues effectively.
Our data collection practices comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and relevant provincial privacy legislation. We collect only the information necessary to provide and improve our educational services.
How We Use Your Information
Educational Service Delivery
We use your personal information to provide access to our investment patience courses, send you relevant educational materials, track your progress through our programs, and customize content based on your learning preferences and experience level.
Communication and Support
Your contact information allows us to respond to your inquiries, provide technical support, send important updates about your enrolled programs, and share relevant educational resources that align with your investment learning goals.
Service Improvement
We analyze aggregated usage data to understand how students interact with our content, identify areas where our curriculum can be enhanced, and develop new educational materials that better serve the investment learning community.
Legal and Security Purposes
- Protecting our website and users from fraud or security threats
- Complying with Canadian privacy laws and financial education regulations
- Enforcing our terms of service and educational program policies
- Responding to legal requests from authorized government agencies
- Conducting internal audits and maintaining accurate business records
Information Sharing and Disclosure
Service Providers
We work with carefully selected companies that help us deliver our educational services. These include our learning management system provider, email communication platform, payment processor, and web hosting service. All service providers must agree to strict data protection requirements.
Educational Partners
When you enroll in programs that involve guest instructors or partner institutions, we may share relevant educational progress information to ensure you receive proper certification or continuing education credits. You'll always be informed before such sharing occurs.
Legal Requirements
We may disclose your information when required by Canadian law, court orders, or government investigations. We may also share information to protect our legal rights, prevent fraud, or ensure the safety of our users and staff.
We never share your personal information for marketing purposes without your explicit consent. Any data sharing is limited to what's necessary for the specific purpose and involves organizations that maintain privacy standards equivalent to our own.
Data Security and Protection
Technical Safeguards
Our website uses SSL encryption to protect data transmission between your browser and our servers. All sensitive information is stored in encrypted databases with restricted access controls. We regularly update our software and security systems to address emerging threats.
Physical Security
Our servers are housed in secure data centers with 24/7 monitoring, environmental controls, and restricted physical access. Our Quebec office maintains locked filing systems for any paper records, with access limited to authorized personnel only.
Administrative Controls
- Regular staff training on privacy protection and data handling procedures
- Background checks for employees with access to personal information
- Clear data access policies that limit information to job-related needs
- Regular security audits and vulnerability assessments
- Incident response procedures for any potential data breaches
Breach Notification
In the unlikely event of a data security incident affecting your personal information, we will notify you within 72 hours of discovering the breach, as required by Canadian privacy legislation. We'll explain what happened, what information was involved, and what steps we're taking to address the situation.
Your Privacy Rights
Contact us at [email protected] with your specific request. Include your full name and the email address associated with your account to help us locate your information quickly.
We'll verify your identity to protect your privacy. This may involve confirming details about your account or educational program enrollment.
We'll process your request within 30 days and provide you with the requested information or confirmation of the action taken on your behalf.
Access to Your Information
You can request a copy of all personal information we hold about you. This includes your account details, educational progress records, communication history, and any other data we've collected. We'll provide this information in a clear, understandable format.
Correction of Inaccurate Data
If you notice errors in your personal information, you can request corrections. We'll update our records promptly and notify any third parties who received the incorrect information, where appropriate.
Data Deletion Requests
You can request deletion of your personal information, subject to certain legal and operational limitations. For example, we may need to retain some educational records for accreditation purposes or financial information for tax compliance.
Withdrawal of Consent
Where our data processing is based on your consent, you can withdraw that consent at any time. This includes opting out of marketing communications or requesting that we stop using your data for specific purposes like educational research.
Data Retention Periods
Active Account Information
We retain your account information and educational progress data as long as your account remains active. If you complete our programs, we maintain your completion certificates and progress records for seven years to support any future verification needs.
Inactive Accounts
Accounts with no activity for three years are considered inactive. We'll send you a notification before deleting inactive account data, giving you the opportunity to reactivate your account or request specific information be retained.
Communication Records
Customer support communications are retained for three years to help resolve recurring issues and improve our service quality. Marketing communication preferences are maintained until you opt out or your account is deleted.
Financial and Legal Records
Payment information and tax-related records are kept for seven years as required by Canadian tax law. Legal documents and compliance records may be retained longer if required by specific regulations or ongoing legal matters.
International Data Transfers
Transfer Safeguards
When your data is processed outside Canada, we ensure adequate protection through contractual agreements that require our service providers to maintain privacy standards equivalent to Canadian requirements. We only work with companies in countries that provide adequate privacy protection or have implemented appropriate safeguards.
Service Provider Locations
Our primary data processing occurs within Canada. However, some cloud services and technical support functions may involve data processing in the United States under privacy frameworks that ensure appropriate protection for Canadian personal information.
Cookies and Tracking Technologies
Essential Cookies
These cookies are necessary for our website to function properly. They enable basic features like secure login, shopping cart functionality, and remembering your course progress. You cannot disable these cookies without affecting site functionality.
Analytics and Performance
We use analytics cookies to understand how visitors interact with our website, which pages are most popular, and where users encounter difficulties. This information helps us improve our site design and educational content delivery.
Preference and Functionality
These cookies remember your choices and preferences, such as language settings, course bookmarks, and display preferences. They enhance your user experience by personalizing the interface to your needs.
Managing Cookie Preferences
You can control cookie settings through your browser preferences. Most browsers allow you to block or delete cookies, though this may affect website functionality. Our learning platform includes cookie preference settings where you can adjust non-essential cookie usage.
Third-Party Services and Links
Educational Resources
We link to reputable financial education websites, investment research platforms, and government resources to supplement our course materials. These external sites have their own privacy policies, which we encourage you to review before providing any personal information.
Integrated Services
Our learning platform may integrate with video conferencing tools for live workshops, document sharing services for course materials, and communication platforms for student discussions. We choose partners based on their privacy protection standards and limit data sharing to what's necessary for functionality.
Social Media
While we maintain social media accounts to share educational content, we don't integrate social media tracking on our website. Any interaction with our social media content is governed by the respective platform's privacy policies.
Policy Updates and Changes
Notification Process
When we make significant changes to this privacy policy, we'll notify all active users via email at least 30 days before the changes take effect. We'll also post the updated policy on our website with a clear indication of what has changed.
Types of Changes
Minor updates like clarifying existing practices or correcting typos may be implemented immediately. Substantial changes that affect how we collect, use, or protect your information will always include advance notice and, where required by law, your consent.
Your Options
If you disagree with policy changes, you can choose to close your account before the changes take effect. We'll honor the previous policy terms for the data deletion process if you decide to discontinue our services due to policy modifications.