Privacy Policy

Information We Collect

At Thalorivenqa, we collect information that helps us provide better budget psychology education and financial wellness services. This includes details you provide directly when creating an account, participating in courses, or contacting our support team.

We also automatically collect technical information when you visit our website, including your IP address, browser type, and pages visited. This helps us improve our platform's performance and understand how students navigate through our educational content.

How We Use Your Information

Your personal data serves several important purposes. We use it to personalize your learning experience, recommend relevant courses about budget psychology, and track your educational progress. When you enroll in our programs, we need this information to provide certificates and maintain academic records.

We also use aggregated, anonymized data to improve our curriculum. By understanding which topics students find challenging or engaging, we can refine our approach to teaching financial wellness concepts. This research helps us create more effective learning materials.

Data Sharing and Third Parties

Thalorivenqa doesn't sell your personal information to third parties. However, we do share data with trusted service providers who help us operate our platform. These include payment processors, email service providers, and cloud storage companies that host our educational content.

All third-party services we use are required to maintain appropriate security measures and use your data only for the specific services they provide to us. We regularly review these partnerships to ensure they meet Canadian privacy standards and our own strict requirements.

In some cases, we may need to share information to comply with legal requirements, such as court orders or regulatory investigations. We'll always notify you of such requests unless legally prohibited from doing so.

Your Rights and Choices

Under Canadian privacy law, you have several important rights regarding your personal information. You can request access to all data we hold about you, ask for corrections to inaccurate information, or request deletion of your account and associated data.

• Access: Request a copy of your personal data we've collected
• Correction: Ask us to fix any inaccurate or incomplete information
• Deletion: Request removal of your data, subject to legal retention requirements
• Portability: Receive your data in a commonly used format
• Objection: Opt out of certain data processing activities

To exercise these rights, contact our privacy team using the information below. We'll respond to your request within 30 days and may ask for additional verification to protect your privacy.

Data Security and Protection

We implement multiple layers of security to protect your personal information. Our systems use encryption for data transmission and storage, regular security audits, and access controls that limit who can view your information to only those employees who need it for their work.

Our servers are hosted in secure facilities with physical access controls, and we maintain backup systems to prevent data loss. We also provide security training to all staff members who handle personal information as part of their roles.

Data Retention

We keep your personal information only as long as necessary to provide our services or as required by law. Course records and certificates are typically maintained for seven years to support your educational credentials. Marketing data is deleted within two years if you haven't engaged with our communications.

When you request account deletion, we remove your personal information within 90 days, though we may retain some data longer if required for legal compliance or legitimate business purposes, such as preventing fraud.

International Data Transfers

While Thalorivenqa operates primarily in Canada, some of our service providers may process data outside the country. When this occurs, we ensure appropriate safeguards are in place, including contractual protections that require the same level of privacy protection as Canadian law provides.

We regularly review these arrangements to ensure they continue meeting current privacy standards and will notify users if significant changes occur in how or where their data is processed.

Cookies and Tracking

Our website uses cookies to remember your preferences, keep you logged in, and analyze how you use our platform. Essential cookies are necessary for basic functionality, while analytics cookies help us understand user behavior and improve our services.

You can control cookie settings through your browser, though disabling certain cookies may affect your ability to use some features of our platform. We don't use cookies for advertising or to track you across other websites.

Changes to This Policy

We update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email and post the updated policy on our website with a new effective date.

We encourage you to review this policy regularly to stay informed about how we protect your privacy. Continued use of our services after policy changes indicates your acceptance of the updated terms.