Personal Information You Provide

When you interact with our financial analysis platform, we collect information you voluntarily provide to us. This helps us deliver personalized educational content and improve your learning experience.

Automatically Collected Information

We automatically collect certain technical information when you visit our website to ensure optimal performance and security.

• Usage Analytics: Pages visited, time spent on site, click patterns, and feature usage to improve our educational content.
• Device Information: Browser type, operating system, screen resolution, and device identifiers for compatibility optimization.
• Location Data: General geographic location (city/province level) to provide relevant financial market information for Canada.
• Cookies and Tracking: Session cookies, preference cookies, and analytics cookies to enhance your browsing experience.

Educational Services

• Customize learning paths based on your progress and interests in financial analysis topics.
• Send educational updates, market insights, and course recommendations relevant to Canadian financial markets.
• Track learning achievements and provide completion certificates for our financial literacy programs.
• Provide customer support and respond to your questions about financial analysis concepts.

Platform Improvement

We analyze usage patterns to enhance our educational content and user experience. This includes identifying which topics are most valuable to learners, optimizing course structure, and developing new educational resources based on user needs.

We also use aggregated, anonymized data to understand trends in financial education preferences and to create better learning materials for future students.

Legal and Security

We may use your information to comply with legal obligations, protect our rights and the rights of our users, prevent fraud, and maintain the security of our platform. This includes monitoring for suspicious activity and ensuring compliance with Canadian privacy regulations.

Service Providers

We work with trusted third-party service providers to deliver our educational services effectively. These partners have access to limited personal information only as necessary to perform their functions:

• Email Services: To send course updates, educational newsletters, and important account notifications.
• Analytics Providers: To understand website usage and improve user experience through anonymized data analysis.
• Cloud Storage: To securely store your learning progress and account information with enterprise-grade security.
• Payment Processors: To handle subscription payments securely without storing your financial information on our servers.

Legal Requirements

We may disclose your information when required by law, such as responding to court orders, legal processes, or government requests. We may also share information to protect our rights, property, or safety, or that of our users or the public, as permitted by Canadian law.

In such cases, we will make reasonable efforts to notify you unless legally prohibited from doing so or in emergency situations.

Business Transfers

If lutharivane is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will provide notice before your personal information is transferred and becomes subject to a different privacy policy.

Technical Safeguards

• Encryption: All data transmission uses SSL/TLS encryption, and sensitive data is encrypted at rest using industry-standard protocols.
• Access Controls: Strict authentication requirements and role-based access ensure only authorized personnel can access your information.
• Security Monitoring: 24/7 monitoring systems detect and respond to potential security threats and unauthorized access attempts.
• Regular Audits: Annual security audits and penetration testing to identify and address potential vulnerabilities.

Organizational Measures

Our team receives regular privacy and security training. We maintain detailed data handling procedures and conduct background checks on employees with access to personal information. Physical access to our servers and data centers is restricted and monitored.

We also maintain incident response procedures to quickly address any potential data breaches and will notify affected users within 72 hours if a breach occurs that could impact their personal information.

Your Role in Security

You can help protect your account by using a strong, unique password, logging out after each session, and keeping your contact information updated. Never share your account credentials, and contact us immediately if you suspect unauthorized access to your account.

Access and Correction

You have the right to access your personal information and request corrections if it's inaccurate or incomplete. You can review and update most of your information directly through your account settings, or contact us for assistance with more complex requests.

We'll respond to access requests within 30 days and provide information in an understandable format. If we cannot fulfill a request, we'll explain why and outline any alternatives available to you.

Data Portability and Deletion

• Export Your Data: Request a copy of your learning progress, account information, and course completion records in a portable format.
• Account Deletion: Delete your account and associated personal information, though we may retain some data for legal compliance or legitimate business purposes.
• Marketing Opt-out: Unsubscribe from educational newsletters and promotional communications while maintaining your account access.

How to Exercise Your Rights

To exercise any of these rights, contact us using the information provided at the end of this policy. We may need to verify your identity before processing requests to protect your privacy and security.

How Long We Keep Your Information

We retain your personal information only as long as necessary to provide our educational services and comply with legal obligations. Here are our general retention periods:

• Active Accounts: Information is retained while your account remains active and for 3 years after account closure.
• Learning Records: Course completion data and certificates are retained for 7 years for verification purposes.
• Support Communications: Customer service interactions are kept for 2 years to improve our services.
• Analytics Data: Anonymized usage data may be retained indefinitely for research and service improvement.

International Data Transfers

While lutharivane operates primarily in Canada, some of our service providers may process your information in other countries. When we transfer personal information outside Canada, we ensure appropriate safeguards are in place:

We only work with service providers in countries with adequate privacy protections or those who have signed data processing agreements that meet Canadian privacy standards. All international transfers are conducted in accordance with PIPEDA requirements.

Types of Cookies We Use

• Essential Cookies: Required for basic website functionality, including login sessions and security features. These cannot be disabled.
• Preference Cookies: Remember your settings and choices to provide a personalized experience across visits.
• Analytics Cookies: Help us understand how visitors interact with our site to improve content and user experience.
• Educational Tracking: Monitor course progress and learning milestones to provide personalized recommendations.

Managing Your Cookie Preferences

You can control cookie usage through your browser settings, though disabling certain cookies may affect website functionality. Most browsers allow you to block or delete cookies, and you can set preferences for different types of cookies.

We also provide cookie preference controls in your account settings where you can opt out of non-essential cookies while maintaining full access to our educational content.

Notification of Changes

When we make significant changes to this policy, we'll notify you through multiple channels:

• Email notification to your registered address at least 30 days before changes take effect.
• Prominent notice on our website highlighting the changes and their effective date.
• In-app notifications when you next log into your account.

Your Continued Use

Your continued use of our services after the effective date of any changes constitutes acceptance of the updated privacy policy. If you don't agree with the changes, you can delete your account or contact us to discuss your concerns.