Introduction

talivexoraen ("we," "us," or "our") is committed to protecting your privacy and ensuring transparency about how we collect, use, and safeguard your personal information. This Privacy Policy explains our practices regarding your data when you use our financial planning education platform at talivexoraen.com.

We understand that trust is fundamental when dealing with financial education, and we take our responsibility to protect your information seriously. This policy complies with the Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable Canadian privacy laws.

Information We Collect

How We Use Your Information

• Provide and improve our financial planning education services
• Personalize your learning experience and recommend relevant content
• Communicate with you about your account, courses, and updates
• Send educational newsletters and course announcements (with your consent)
• Analyze usage patterns to enhance our platform functionality
• Comply with legal obligations and resolve disputes
• Prevent fraud and ensure platform security

Legal Basis for Processing

We process your personal information based on your consent, our legitimate business interests, contractual necessity, and legal obligations. You can withdraw consent at any time where we rely on consent as the legal basis for processing.

Information Sharing and Disclosure

We don't sell your personal information to third parties. However, we may share your information in these specific circumstances:

Your Privacy Rights

Data Security and Protection

We implement comprehensive security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security practices include:

• Encryption of data in transit and at rest using industry-standard protocols
• Regular security assessments and vulnerability testing
• Access controls and authentication systems for our staff
• Secure hosting infrastructure with reputable cloud providers
• Regular backup and disaster recovery procedures
• Employee training on data protection and privacy practices

Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, and resolve disputes. Our retention periods vary depending on the type of information:

• Account information: Retained for the duration of your active account plus 3 years after closure
• Learning progress data: Retained for 5 years to support transcript requests and educational records
• Communication records: Retained for 2 years for customer service and support purposes
• Technical and usage data: Retained for 18 months for analytics and service improvement
• Marketing communications: Retained until you unsubscribe or withdraw consent

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform, analyze usage patterns, and provide personalized content. You can control cookie preferences through your browser settings, though this may affect some platform functionality.

Types of Cookies We Use:

• Essential cookies: Required for basic platform functionality and security
• Performance cookies: Help us understand how users interact with our site
• Functional cookies: Remember your preferences and personalize your experience
• Analytics cookies: Provide insights into user behavior and platform usage

International Data Transfers

While we primarily store and process data within Canada, some of our service providers may process information in other countries. When we transfer personal information outside Canada, we ensure adequate protection through:

• Standard contractual clauses that meet Canadian privacy standards
• Adequacy decisions recognizing equivalent privacy protection
• Certification schemes and codes of conduct for data processors
• Your explicit consent where required by law

Children's Privacy

Our services are designed for adults and we don't knowingly collect personal information from individuals under 18 years of age. If we become aware that we have collected information from a minor, we will take steps to delete it promptly and notify parents or guardians as required by law.

Parents or guardians who believe we may have collected information from a minor should contact us immediately using the information provided below.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes through email, platform notifications, or by posting a prominent notice on our website.

Your continued use of our services after changes take effect constitutes acceptance of the updated policy. We encourage you to review this policy periodically to stay informed about how we protect your information.