Privacy Policy
Last Updated: March 15, 2025
Introduction and Scope
At zeralverinelio, we believe financial literacy should be accessible to everyone. This privacy policy explains how we collect, use, and protect your personal information when you interact with our budget literacy programs and educational resources. We operate under Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA), ensuring your data receives robust protection.
Our commitment extends beyond legal compliance. We view privacy as fundamental to building trust with learners who entrust us with their financial education journey. This policy applies to all interactions with zeralverinelio services, whether through our website, educational programs, or direct communications.
Information We Collect
We collect information that helps us provide personalized financial education while respecting your privacy. The data we gather falls into several categories, each serving specific educational purposes.
| Data Type | Purpose | Retention Period |
|---|---|---|
| Contact Information | Program enrollment, communication | 5 years after last interaction |
| Learning Progress | Personalized curriculum development | Duration of program + 2 years |
| Financial Goals | Tailored educational content | Anonymous after 1 year |
| Website Analytics | Service improvement | 26 months (aggregated) |
We never collect sensitive financial account information or personal identification numbers. Our focus remains on educational progress and learning preferences rather than actual financial data.
How We Use Your Information
Your information serves specific educational purposes that directly benefit your learning experience. We've designed our data usage practices around genuine educational value rather than commercial exploitation.
- Customizing educational content based on your declared financial goals and learning style
- Tracking progress through our budget literacy modules to suggest appropriate next steps
- Sending relevant educational resources and program updates via your preferred communication method
- Analyzing aggregate learning patterns to improve our curriculum and teaching methods
- Connecting you with appropriate financial education resources available in your region
- Providing completion certificates and progress documentation for your records
We never sell your personal information to third parties or use it for advertising purposes unrelated to financial education.
Your Privacy Rights Under Canadian Law
Canadian privacy legislation grants you specific rights regarding your personal information. We've streamlined the process for exercising these rights because we believe privacy control should be straightforward, not bureaucratic.
Access Rights
Request a complete copy of all personal information we hold about you, including how it's been used in your educational journey.
Correction Rights
Update or correct any inaccurate personal information, ensuring your learning profile reflects current circumstances.
Withdrawal of Consent
Revoke consent for specific data uses while maintaining access to core educational services that require minimal information.
Data Portability
Receive your learning progress and achievements in a standard format that can be transferred to other educational platforms.
To exercise any of these rights, simply contact us using the information below. We respond to privacy requests within 30 days and never charge fees for basic privacy rights requests.
Data Security and Protection
We protect your information using industry-standard security measures appropriate for educational data. Our security approach balances protection with accessibility, ensuring your learning experience remains smooth while keeping your information safe.
All data transmission occurs over encrypted connections, and we store information on secure servers located within Canada. Our staff receives regular training on privacy protection, and we conduct annual security audits to identify and address potential vulnerabilities.
In the unlikely event of a data breach affecting your personal information, we'll notify you within 72 hours and provide clear guidance on any steps you should take.
Third-Party Relationships and Data Sharing
We work with carefully selected partners to deliver comprehensive financial education, but we maintain strict limits on data sharing. Our partnerships prioritize educational value while preserving your privacy rights.
We may share limited information with educational content providers, technology platforms that support our learning management system, and professional development organizations that enhance our curriculum. All partners sign comprehensive data protection agreements that meet Canadian privacy standards.
We never share personal information with marketing companies, financial product vendors, or organizations that might use your data for commercial solicitation unrelated to education.
International Data Transfers
We primarily store and process your information within Canada. When educational partnerships require limited data sharing outside Canada, we ensure adequate privacy protections through contractual safeguards and compliance with Canadian cross-border privacy requirements.
Any international transfers involve only necessary educational information and occur with organizations in jurisdictions that provide adequate privacy protection or have signed agreements ensuring equivalent protection standards.
Children's Privacy Protection
Our programs primarily serve adults seeking to improve their financial literacy. However, we occasionally work with educational institutions serving younger learners. When participants are under 18, we obtain appropriate parental consent and apply enhanced privacy protections.
For participants under 16, we collect only information directly necessary for educational delivery and maintain separate, more restrictive data handling procedures that prioritize the young person's developing autonomy while ensuring appropriate protection.
Policy Updates and Changes
We review this privacy policy annually and update it when our practices change or privacy laws evolve. Significant changes receive prominent notification through email and website announcements, giving you time to review modifications before they take effect.
Minor updates that clarify existing practices without changing our fundamental approach may be implemented immediately, though we'll note such changes in our policy update log available upon request.
Contact Information for Privacy Matters
Our privacy team responds to inquiries within two business days and works directly with you to resolve any concerns about how we handle your personal information.