Introduction

javinnexakaria operates under Canadian privacy laws, specifically the Personal Information Protection and Electronic Documents Act (PIPEDA). We take your privacy seriously. This policy explains what information we collect, why we need it, and what we do with it.

Our approach is straightforward: we only collect what helps us serve you better, and we protect it like it's our own.

Information We Collect

Personal Information You Provide

When you sign up for our seasonal financial planning programs or contact us, you might share:

• Name and contact details (email, phone number)
• Billing address and payment information
• Financial planning preferences and seasonal goals
• Communication history with our support team
• Course progress and assessment results

Automatically Collected Data

Like most educational platforms, we collect some technical information to keep things running smoothly:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on our platform
• Referring website and search terms used
• Learning platform interaction patterns

How We Use Your Information

We're not in the business of hoarding data. Here's what we actually do with it:

Data Sharing and Third Parties

We work with a few trusted service providers who help us run our platform. Each one has been carefully selected and contractually bound to protect your data:

1. Payment Processors: We use Canadian-based payment services that comply with PCI DSS standards. Your credit card information never touches our servers.
2. Cloud Hosting: Our platform runs on secure Canadian data centers with industry-standard encryption and redundancy.
3. Email Services: Course communications and updates are sent through encrypted email platforms that meet Canadian anti-spam legislation requirements.
4. Analytics Tools: We use privacy-focused analytics to understand how people use our platform, but we anonymize this data whenever possible.

We might share information when legally required (court orders, regulatory inquiries) or to protect rights and safety. But that's the exception, not the rule.

Your Privacy Rights Under Canadian Law

PIPEDA gives you specific rights regarding your personal information. Here's what you can do:

Access and Correction

You can request a copy of the personal information we hold about you. If something's wrong, we'll fix it. Simple as that. Just send us an email, and we'll get you what you need within 30 days.

Withdrawal of Consent

You gave us permission to use your data, and you can take it back. Keep in mind that withdrawing consent might limit our ability to provide certain services, but the choice is always yours.

Account Deletion

Want to leave? No hard feelings. Request account deletion, and we'll remove your personal information within 60 days. We'll keep some records for legal and accounting purposes (usually 7 years), but nothing more than necessary.

Marketing Preferences

Every marketing email we send includes an unsubscribe link. Click it, and you're done. You'll stop receiving promotional content, though we might still send important account-related messages.

Data Security Measures

Security isn't just a checkbox for us. Here's what we do to keep your information safe:

• Encryption: All data transmitted between your browser and our servers uses TLS 1.3 encryption. Stored data is encrypted at rest using AES-256.
• Access Controls: Only authorized team members can access personal information, and they're trained on privacy best practices annually.
• Regular Audits: We conduct security assessments quarterly and immediately patch any vulnerabilities discovered.
• Secure Infrastructure: Our hosting provider maintains SOC 2 Type II certification and undergoes regular third-party security audits.
• Incident Response: We have a documented breach response plan. If something happens, we'll notify affected users within 72 hours as required by PIPEDA.

No system is perfect, but we work hard to stay ahead of threats and protect what you've entrusted to us.

Data Retention Periods

We don't keep information longer than needed. Here's our retention schedule:

After these periods, we securely delete or anonymize the data so it can't be traced back to you.

Cookies and Tracking Technologies

We use cookies to make our platform work better. Most are essential (you can't log in without them), but some are optional:

Essential Cookies

These keep you logged in and remember your course progress. They're necessary for the platform to function, so they're not optional.

Analytics Cookies

Help us understand which features people use and where they get stuck. You can disable these in your browser settings if you prefer.

Preference Cookies

Remember your language choice, video quality settings, and other customizations. Makes your experience smoother.

Most browsers let you control cookies. Blocking all cookies might break some features, but the choice is yours.

International Data Transfers

Our primary infrastructure is located in Canada, but some service providers operate globally. When we transfer data outside Canada, we ensure adequate protections are in place through:

• Standard contractual clauses approved by Canadian authorities
• Service providers certified under recognized privacy frameworks
• Additional security measures beyond legal minimums

We prioritize Canadian service providers whenever possible to minimize cross-border transfers.

Children's Privacy

Our seasonal financial planning courses are designed for adults. We don't knowingly collect information from anyone under 16. If we discover we've accidentally collected data from a minor, we'll delete it immediately.

Parents or guardians who believe we might have information about their child should contact us right away.

Changes to This Policy

Privacy laws evolve, and so do we. When we update this policy, we'll post the new version here with an updated date at the top. Significant changes will be communicated via email to all active users at least 30 days before they take effect.

Continuing to use our services after changes become effective means you accept the updated terms.

Filing a Complaint

If you're not satisfied with how we've handled your privacy concerns, you have the right to file a complaint with the Office of the Privacy Commissioner of Canada:

We'd prefer to resolve issues directly, but we respect your right to escalate concerns to regulatory authorities.