Privacy Policy

Information We Collect

We collect different types of information depending on how you interact with our services. Some of this you provide directly, while other information is gathered automatically as you use our site.

Information You Provide

• Contact details when you reach out or sign up (name, email address, phone number)
• Account information if you create a profile with us
• Payment information when enrolling in programs (processed securely through third-party providers)
• Educational background and goals you share during enrollment
• Communication preferences and feedback you provide
• Messages and questions sent through our contact forms

Information Collected Automatically

When you visit our website, certain information is collected automatically through standard web technologies:

• Browser type, device information, and operating system
• IP address and general location data (city and province level)
• Pages visited, time spent on site, and navigation patterns
• Referral source (how you found our site)
• Date and time of your visit

How We Use Your Information

We use the information we collect for specific purposes that directly relate to providing and improving our educational services. We don't sell your personal data to third parties.

• Delivering educational services and program materials you've enrolled in
• Responding to your questions and providing customer support
• Sending important updates about your programs or account
• Processing payments and maintaining financial records
• Improving our website and educational offerings based on usage patterns
• Sending occasional newsletters (only if you've opted in)
• Ensuring security and preventing fraud
• Complying with legal obligations under Canadian law

Lawful Basis for Processing (Canadian Context)

Under Canadian privacy legislation, including PIPEDA (Personal Information Protection and Electronic Documents Act), we process your personal information based on:

• Consent: You've agreed to us collecting and using your information for specific purposes
• Contract fulfillment: Processing is necessary to deliver the educational services you've signed up for
• Legitimate interests: We need certain information to run our business effectively while respecting your rights
• Legal obligations: Some information must be retained to comply with Canadian tax and business laws

You have the right to withdraw consent at any time, though this may affect our ability to provide certain services.

Information Sharing and Disclosure

We share your information only in limited circumstances and never sell it to third parties for their marketing purposes.

Service Providers

We work with trusted third-party service providers who help us operate our business. These providers have access to your information only to perform specific tasks on our behalf:

• Payment processors for secure transaction handling
• Email service providers for program communications
• Web hosting and cloud storage services
• Analytics tools to understand website usage
• Customer support platforms

All service providers are contractually obligated to protect your information and use it only for specified purposes.

Legal Requirements

We may disclose your information if required by law or in response to valid legal processes, such as court orders or subpoenas. We'll notify you of such requests when legally permitted to do so.

Business Transfers

If Klivora Skill is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. You'll be notified of any such change in ownership or control.

Data Security

We take reasonable measures to protect your information from unauthorized access, disclosure, or destruction. While no system is completely secure, we've implemented multiple safeguards:

• Encryption of sensitive data during transmission using SSL/TLS protocols
• Secure storage with access controls and authentication
• Regular security assessments and updates
• Employee training on data protection practices
• Limited access to personal information on a need-to-know basis
• Secure disposal of information that's no longer needed

You also play a role in security. Keep your account credentials confidential and notify us immediately if you suspect unauthorized access.

Data Retention

We retain your information only as long as necessary to fulfill the purposes outlined in this policy or as required by law.

Your Privacy Rights

Under Canadian privacy law, you have several rights regarding your personal information. We're committed to helping you exercise these rights.

Access and Correction

You can request access to the personal information we hold about you. If any information is inaccurate or incomplete, you have the right to request corrections.

Data Portability

You can request a copy of your personal information in a structured, commonly used format. This allows you to transfer your data to another service provider if you choose.

Deletion

You can request deletion of your personal information, subject to legal retention requirements. Some information must be kept for tax or legal compliance purposes.

Withdrawal of Consent

You can withdraw consent for certain uses of your information, such as marketing communications. This won't affect processing that occurred before withdrawal.

How to Exercise Your Rights

To exercise any of these rights, contact us at [email protected] or call +17055608900. We'll respond to your request within 30 days. You may need to verify your identity before we can process certain requests.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your experience and understand how our site is used.

Types of Cookies We Use

Most browsers allow you to control cookies through their settings. Blocking cookies may affect your experience on our site. You can learn more about managing cookies at aboutcookies.org.

Third-Party Links

Our website may contain links to external sites operated by third parties. We're not responsible for the privacy practices of these sites. When you leave our site, we encourage you to review the privacy policy of any site you visit.

Third-party services we use (such as payment processors) have their own privacy policies. While we choose partners carefully, their practices are governed by their own policies, not this one.

Children's Privacy

Our services are designed for adults and families making investment education decisions. We don't knowingly collect personal information from children under 13 without parental consent.

If a parent or guardian becomes aware that their child has provided us with information without consent, please contact us immediately. We'll delete such information from our systems promptly.

International Data Transfers

While we primarily operate in Canada, some of our service providers may store or process data in other countries. When data is transferred internationally, we ensure adequate safeguards are in place to protect your information.

These safeguards may include standard contractual clauses, adequacy decisions, or other mechanisms approved under Canadian privacy law. Your information receives substantially similar protection regardless of where it's processed.

Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you through:

• Email notification to registered users
• A prominent notice on our website
• Updated "Last Modified" date at the top of this policy

We encourage you to review this policy periodically. Continued use of our services after changes are posted constitutes acceptance of the updated policy.

Contact Information for Privacy Matters

If you have questions, concerns, or requests related to this privacy policy or how we handle your personal information, we're here to help.