Information We Collect

When you visit our website or sign up for our beginner investment programs, we collect different types of information to provide you with personalized learning experiences. Here's what we gather and why:

How We Collect This Information

• Directly from you when you fill out forms, create accounts, or contact our support team
• Automatically through cookies and tracking technologies as you navigate our educational platform
• From third-party services like payment processors when you purchase courses (though we don't store payment details)
• Through surveys and feedback forms to improve our investment education content

How We Use Your Information

We use your personal data specifically to enhance your learning experience and provide the investment education services you've requested. Our primary purposes include:

• Course Delivery: Providing access to investment education materials, tracking your progress, and sending course updates
• Personalization: Recommending relevant modules based on your learning style and interests in different investment areas
• Communication: Sending important updates about your courses, new educational content, and responding to your questions
• Platform Improvement: Analyzing how students use our materials to create better beginner-friendly investment education
• Legal Compliance: Meeting Canadian privacy law requirements and maintaining records as required by educational service regulations
• Security: Protecting your account and our platform from unauthorized access and fraudulent activities

We never sell your personal information to third parties. When we share data, it's only with trusted service providers who help us deliver your education (like email systems or learning management platforms), and they're contractually required to protect your information.

Data Sharing and Third Parties

We work with carefully selected partners to provide you with the best investment education experience. Here's when and why we might share your information:

Service Providers We Work With

• Learning Management Systems: To host course content and track your educational progress
• Email Services: For sending course materials, updates, and educational newsletters
• Analytics Providers: To understand how our website performs and improve user experience
• Payment Processors: To handle course payments securely (they never share payment details with us)
• Customer Support Tools: To provide efficient help when you need assistance with courses

Legal Disclosure Requirements

We may disclose your information if required by Canadian law, court orders, or government regulations. This includes cooperating with law enforcement investigations or regulatory compliance audits. We'll always try to notify you about such requests unless legally prohibited.

If Qolteron Cyzpando is ever sold or merged with another company, your personal information would be transferred to the new owners, but only under the same privacy protection terms outlined here.

Your Privacy Rights Under Canadian Law

As a Canadian company serving customers across Canada, we comply with federal and provincial privacy legislation, including PIPEDA (Personal Information Protection and Electronic Documents Act). You have significant control over your personal information:

How to Exercise Your Rights

To make any privacy-related requests, email us at [email protected] with "Privacy Request" in the subject line. Include your full name, registered email address, and specific request details. We'll respond within 30 days and verify your identity before processing requests involving sensitive data.

Data Security and Protection

Protecting your personal information is a core part of our business. We've implemented multiple layers of security to keep your data safe from unauthorized access, theft, or misuse:

Staff Training and Policies

Every team member receives comprehensive privacy training and signs confidentiality agreements. We limit data access to only what's necessary for specific job functions, and all access is logged and monitored.

While we implement strong security measures, no online service can guarantee 100% security. We continuously monitor for threats and will notify you promptly if we discover any unauthorized access to your personal information.

Data Retention and Deletion

We keep your personal information only as long as necessary to provide our investment education services and meet legal requirements:

Active Account Data

While your account is active, we retain all learning progress, course materials access, and communication history to provide continuous educational support. This includes quiz results, module completions, and any notes or bookmarks you've saved.

Inactive Account Policies

If you don't log in for 24 months, we'll send email reminders before archiving your account. Archived accounts retain essential data (course completions, certificates earned) but remove detailed activity logs and temporary files.

Account Deletion Process

When you request account deletion, we remove personal identifiers and marketing data within 30 days. However, we may retain anonymized learning analytics for educational research and some records for legal compliance (typically 7 years for financial transactions and customer service records).

Legal Retention Requirements

• Financial transaction records: 7 years (Canadian tax and business law requirements)
• Support ticket records: 3 years (customer service quality assurance)
• Course completion certificates: Permanent (educational credential verification)
• Marketing communication logs: 2 years (anti-spam law compliance)

Cookies and Tracking Technologies

We use cookies and similar technologies to improve your learning experience and understand how our educational platform performs. Here's what we use and why:

Essential Cookies

These cookies are necessary for basic website functionality and can't be disabled. They remember your login status, course progress, and language preferences so you don't have to re-enter information every time you visit.

Analytics Cookies

We use Google Analytics and similar tools to understand which educational content is most helpful, where students might be struggling, and how to improve our course design. This data is anonymized and helps us create better investment education materials.

Preference Cookies

These remember your chosen settings like video playback speed, module display preferences, and notification settings to personalize your learning environment.

Managing Cookie Preferences

You can control cookie settings through your browser, but disabling certain cookies might affect website functionality. Essential cookies for course access and progress tracking will continue to work regardless of your browser settings.

International Data Transfers

While Qolteron Cyzpando is a Canadian company, some of our technology partners are based in other countries, particularly the United States. When your data is transferred internationally, we ensure appropriate protection:

Data Transfer Safeguards

• Contractual Protections: All international partners sign data processing agreements requiring Canadian-level privacy protection
• Adequacy Decisions: We prioritize partners in countries with privacy laws recognized as adequate by Canadian authorities
• Standard Contractual Clauses: For transfers to countries without adequacy decisions, we use approved contractual terms
• Data Minimization: We only transfer data that's absolutely necessary for specific services

Your Rights for International Transfers

You can request information about specific international data transfers affecting your personal information. If you're uncomfortable with certain transfers, we'll work with you to find alternative solutions that might limit international processing.

Children's Privacy Protection

Our investment education services are designed for adults and we don't knowingly collect personal information from children under 16. If you're under 16, please don't create an account or provide personal information without parental consent.

Parental Controls

If a parent or guardian discovers their child has provided personal information without permission, contact us immediately at [email protected]. We'll delete the information and close any unauthorized accounts within 48 hours.

Teen Educational Access

For teens aged 16-17 interested in investment education, we require parental consent and provide additional privacy protections including limited data collection and enhanced security monitoring.

Updates to This Privacy Policy

We review and update this privacy policy regularly to reflect changes in our services, technology, and legal requirements. When we make significant changes that affect how we handle your personal information, we'll notify you through multiple channels:

• Email notification to all registered users at least 30 days before changes take effect
• Prominent notice on our website homepage and student dashboard
• Updated policy version with clear highlighting of what's changed
• For major changes, we may require you to acknowledge the updates before continuing to use our services

We encourage you to review this policy periodically, especially before starting new courses or updating your account information. The "Last Updated" date at the top of this policy shows when changes were most recently made.