Information We Collect

What You Give Us Directly

When you sign up for our programs or contact us, you share certain details. Usually that includes your name, email address, phone number, and sometimes your mailing address. If you're enrolling in a paid program, we'll also need payment information — though our payment processor handles the sensitive card details, not us.

Sometimes people share more context about their investment goals or financial background. That helps us tailor our educational content, but it's always your choice what to share.

What We Collect Automatically

Like most websites, ours gathers some technical information when you visit. This includes your IP address, browser type, operating system, and which pages you view. We use this data to improve the site experience and understand what content resonates.

We use cookies and similar tracking tools. Some are essential for the site to function — like remembering you're logged in. Others help us analyze traffic patterns or remember your preferences for future visits.

How We Use Your Information

The information you provide serves several practical purposes:

• Delivering the educational programs and materials you've signed up for
• Responding to your questions and providing support when you need it
• Sending important updates about your enrollment or program changes
• Improving our courses based on how students interact with the material
• Processing payments and maintaining accurate financial records
• Complying with legal obligations under Canadian financial education regulations

We occasionally send educational content or updates about new programs. You can unsubscribe from these anytime — there's a link at the bottom of every email. Program-critical communications (like schedule changes or account security notices) will still reach you, since those are necessary for the service you've enrolled in.

Information Sharing and Third Parties

We're pretty protective of your information. We don't sell it, rent it, or hand it over to random marketing companies. That said, running an educational platform means working with some trusted partners:

All these partners are contractually bound to protect your information and use it only for the specific purpose we've hired them for. They operate under Canadian privacy standards or equivalent international protections.

When Law Requires Disclosure

Sometimes we have to share information because the law demands it. This might happen if there's a valid court order, a regulatory investigation, or a genuine security threat. We'll always review such requests carefully and share only what's legally required.

Your Rights Under Canadian Law

PIPEDA gives you several meaningful rights regarding your personal information. These aren't just theoretical — we've set up processes to honor them:

1. Access: You can request a copy of the personal information we hold about you. We'll provide it in a readable format within 30 days, sometimes sooner.
2. Correction: If something in your profile is wrong or outdated, let us know. We'll update it promptly and notify any third parties who received the incorrect information if relevant.
3. Withdrawal of Consent: You can withdraw consent for us to use your information for specific purposes. Note that some uses are necessary to provide the service you've enrolled in, so withdrawal might affect what we can offer.
4. Deletion: You can ask us to delete your personal information, subject to legal retention requirements. Financial records, for instance, need to be kept for seven years under Canadian tax law.
5. Data Portability: Want to take your information elsewhere? We'll provide your data in a commonly used, machine-readable format when feasible.

To exercise any of these rights, send an email to [email protected] with your request. We'll verify your identity (to prevent unauthorized access to your information) and respond within the timeline required by law.

How We Protect Your Information

Security matters to us because it matters to you. We use industry-standard safeguards appropriate to the sensitivity of the information:

• All data transmitted to and from our site uses TLS encryption (that's the padlock you see in your browser)
• Stored data is encrypted at rest using AES-256 encryption standards
• Access to personal information is restricted to staff who genuinely need it for their role
• We use multi-factor authentication for administrative access to our systems
• Regular security audits help us identify and address potential vulnerabilities
• Our payment processor is PCI DSS compliant — we never store full credit card numbers

No system is completely invulnerable, despite best efforts. If we ever experience a breach that affects your information, we'll notify you promptly and explain what happened, what data was involved, and what steps we're taking. Canadian law requires this, but we'd do it anyway.

Data Retention

We keep your information only as long as needed for legitimate purposes. Here's what that means in practice:

Active Student Records

While you're enrolled in programs or accessing our materials, we maintain your full profile and activity records. This lets us provide continuous support and track your progress through our curriculum.

Former Student Records

After you complete a program or your access expires, we retain basic records (name, enrollment dates, completion status) for three years. This helps if you return later or need proof of completion. Detailed learning activity and communications get archived after one year and deleted after three.

Financial Records

Canadian tax law requires us to keep financial transaction records for seven years. After that period, we securely destroy them unless there's an ongoing legal reason to retain them.

Marketing Communications

If you've opted into our educational emails but never enrolled, we'll keep your email address for two years of inactivity before removing it. If you unsubscribe, you're out of our system within 10 business days (we keep a suppression record to ensure we don't accidentally re-add you).

Cookies and Tracking Technologies

Our site uses several types of cookies. When you first visit, you'll see a notice letting you customize which ones you accept. Here's what each category does:

Essential Cookies

These make the website function properly. They remember that you're logged in, keep items in your cart if applicable, and maintain security settings. You can't fully disable these without breaking the site's functionality.

Analytics Cookies

We use these to understand which pages get visited most, where people spend time, and where they encounter problems. The data is aggregated and anonymized — we see patterns, not individual behavior. This helps us improve navigation and create content people actually find useful.

Preference Cookies

These remember choices you make, like language preferences or customized dashboard layouts. They make your experience more convenient on return visits.

Most browsers let you control cookies through their settings. You can block them entirely, though some site features won't work properly if you do. The Help section in your browser will have specific instructions.

Children's Privacy

Our programs are designed for adults aged 18 and over. We don't knowingly collect information from anyone younger. Investment education requires a level of financial context that makes it inappropriate for minors anyway.

If we discover we've inadvertently collected information from someone under 18, we'll delete it promptly. If you're a parent or guardian who believes your child has provided us with personal information, contact us immediately so we can address it.

International Data Transfers

We primarily operate in Canada and store data on Canadian servers. Some of our service providers (like email platforms or cloud hosting) have infrastructure in the United States or other countries with different privacy laws.

When data moves across borders, we ensure appropriate safeguards are in place. This includes contractual protections that require foreign processors to maintain standards equivalent to Canadian law. We work only with providers who demonstrate solid privacy practices and comply with recognized international frameworks.

Changes to This Policy

We review and update this privacy policy periodically as our practices evolve or laws change. When we make significant changes, we'll notify active students by email and post an announcement on the website.

Minor updates (like clarifying existing practices or fixing typos) happen without fanfare — just check the "Last Updated" date at the top. We recommend reviewing this policy annually if you're an active student, just to stay informed.

Continued use of our services after changes take effect means you accept the updated terms. If you disagree with changes, you can close your account — we'll process that under the deletion rights described earlier.

Complaints and Concerns

If you have concerns about how we've handled your personal information, start by contacting us directly. Most issues get resolved through straightforward conversation.

If you're not satisfied with our response, you have the right to file a complaint with the Office of the Privacy Commissioner of Canada. They're the federal body responsible for overseeing PIPEDA compliance. You can reach them at:

We take privacy concerns seriously and will cooperate fully with any investigation.