Privacy Policy

What Information We Collect

Running a financial education platform means we need certain information to serve you properly. Here's what we typically gather:

• Basic contact details — your name, email address, phone number, and mailing address when you register for our programs
• Payment information — billing details processed through secure payment gateways (we never store complete credit card numbers)
• Learning activity — course progress, quiz results, and engagement patterns that help us improve your experience
• Technical data — IP address, browser type, device information, and how you navigate our site
• Communication records — emails, support tickets, and feedback you share with us

We don't collect sensitive financial account information like bank account numbers or investment passwords. Our focus is education, not account management.

How We Use Your Information

Every piece of data serves a specific purpose. We're not in the business of hoarding information — we collect what helps us deliver better financial education.

We personalize your learning experience based on your progress and interests. If you'd rather not receive educational emails beyond essential program updates, you can adjust your preferences anytime.

Legal Basis Under Canadian Privacy Law

Canada's privacy legislation, particularly PIPEDA (Personal Information Protection and Electronic Documents Act), guides how we handle your data. We process information based on:

• Consent — you've explicitly agreed when signing up for our services
• Contractual necessity — we need certain data to deliver the educational programs you've enrolled in
• Legal obligation — some data retention is required by Canadian tax and business regulations
• Legitimate interests — improving our platform and preventing misuse, always balanced against your privacy rights

Who Sees Your Information

We don't sell your data. Period. But running an online education platform means working with trusted partners who help us serve you better.

Service Providers We Work With

• Cloud hosting services — Canadian-based servers that store course content and user data
• Payment processors — secure gateways that handle transactions without exposing your full payment details to us
• Email platforms — tools that deliver course updates and educational content
• Analytics services — helping us understand how people use our platform (anonymized where possible)
• Customer support tools — systems that help us respond to your questions efficiently

Each partner signs agreements requiring them to protect your data and use it only for specified purposes. We vet these companies carefully and choose those with strong privacy practices.

When Law Requires Disclosure

Sometimes we're legally obligated to share information — responding to valid court orders, cooperating with law enforcement investigations, or complying with tax authorities. We'll push back on overly broad requests and notify you when legally permitted.

Your Privacy Rights

Canadian privacy law gives you real control over your personal information. Here's what you can do:

1. Access your data — request a copy of the personal information we hold about you, delivered in a readable format within 30 days
2. Correct inaccuracies — update outdated or incorrect information in your profile anytime
3. Request deletion — ask us to remove your data, subject to legal retention requirements for financial and tax records
4. Withdraw consent — opt out of marketing communications or revoke permissions you've previously granted
5. Port your data — receive your learning records and progress data in a format you can transfer elsewhere
6. Object to processing — challenge how we use your information if you believe it's inappropriate
7. Lodge a complaint — contact the Office of the Privacy Commissioner of Canada if you're unhappy with our practices

To exercise these rights, email us at [email protected] with "Privacy Request" in the subject line. We'll verify your identity and respond within 30 days. There's no fee unless your request is clearly excessive or repetitive.

How We Protect Your Data

Security isn't just technical measures — it's a mindset we've built into everything we do.

Technical Safeguards

• End-to-end encryption for data transmission using industry-standard TLS protocols
• Encrypted storage for sensitive information at rest
• Regular security audits and vulnerability assessments
• Restricted access controls — only authorized team members see personal data, and only when necessary
• Automated backup systems with encrypted offsite storage
• Multi-factor authentication for administrative access

Organizational Practices

Our team receives regular privacy training. We've appointed a Privacy Officer who oversees compliance and handles your concerns. Data minimization guides our decisions — if we don't need it, we don't collect it.

Despite our best efforts, no system is completely immune to security incidents. If a breach occurs that poses real risk to your rights, we'll notify you and relevant authorities within 72 hours, as required by Canadian law.

Data Retention Periods

We don't keep your information forever. Here's our retention approach:

• Active account data — maintained while you're enrolled in programs or using our services
• Transaction records — kept for seven years to comply with Canadian tax requirements
• Learning records — course completion data retained for five years to support credential verification
• Marketing data — removed within 90 days of unsubscribing from communications
• Support tickets — archived after three years unless ongoing issues require longer retention
• Technical logs — anonymized after six months, deleted entirely after two years

When retention periods expire, we securely delete or anonymize data so it can't be traced back to you. If you close your account, we'll remove non-essential information within 30 days while maintaining legally required records.

Cookies and Tracking

Our website uses cookies — small text files that help us remember your preferences and understand site usage. Here's what we deploy:

Essential Cookies

These keep our platform functioning — remembering your login, maintaining shopping cart contents, and ensuring secure connections. You can't fully use our services without these, but they don't track you across other websites.

Analytics Cookies

We use analytics tools to see which courses attract interest, where people get stuck, and how we can improve navigation. This data is anonymized and aggregated — we're looking at patterns, not tracking individuals.

Managing Cookies

Your browser lets you block or delete cookies. Just know that disabling essential ones may limit functionality. We don't use advertising cookies or share tracking data with third-party marketers.

Children's Privacy

Our programs are designed for adults interested in personal finance and investing. We don't knowingly collect information from anyone under 16. If you're a parent who discovers your child has provided us with personal information, contact us immediately and we'll delete it promptly.

International Data Considerations

While we're based in Canada and primarily serve Canadian learners, some of our service providers operate servers in other countries. When data leaves Canada, we ensure adequate protections through:

• Contractual clauses requiring equivalent privacy standards
• Choosing providers in jurisdictions with strong privacy laws
• Encryption during transmission and storage
• Regular audits of international partners' security practices

You have the right to know where your data is processed. Contact us if you'd like details about specific international transfers.

Changes to This Policy

Privacy practices evolve. When we update this policy, we'll post the revised version here with a new effective date. Significant changes get additional notification — we'll email active users at least 30 days before new terms take effect.

Continuing to use our services after changes become effective means you accept the updated policy. If you disagree with modifications, you can close your account and request data deletion, subject to legal retention requirements.

Third-Party Links

Our educational content sometimes links to external resources — financial news sites, regulatory agencies, or recommended tools. We're not responsible for those sites' privacy practices. Once you leave aeorilex.pro, this policy no longer applies. Check the privacy policies of any external sites you visit.