Privacy Policy

Information We Collect

At floranyxopava, we collect various types of information to provide you with our budget education services. This includes personal information you provide directly to us, such as your name, email address, phone number, and mailing address when you create an account or contact us. We also collect financial information that you choose to share for educational purposes, including income ranges, spending categories, and budgeting goals.

We automatically collect certain technical information when you use our website, including your IP address, browser type, device information, and usage patterns. This helps us understand how our platform is being used and allows us to improve our services. We use cookies and similar tracking technologies to enhance your experience and remember your preferences.

How We Use Your Information

Your information helps us deliver personalized budget education experiences. We use your data to provide our educational services, send you relevant course materials, and communicate important updates about your account. When you participate in our learning modules, we track your progress to help you achieve your financial education goals.

We may also use aggregated, non-personally identifiable information for research purposes to better understand financial literacy trends and improve our educational offerings. This helps us create more effective learning materials for our community.

Information Sharing and Disclosure

We respect your privacy and don't sell your personal information to third parties. However, we may share your information in specific circumstances to provide our services effectively. We work with trusted service providers who help us operate our platform, including email service providers, analytics tools, and customer support systems. These partners are bound by strict confidentiality agreements and can only use your information for the specific services they provide to us.

We may disclose your information if required by law, such as in response to a valid legal request or court order. We'll also share information if we believe it's necessary to protect our rights, prevent fraud, or ensure the safety of our users. In the event of a business transaction like a merger or acquisition, your information may be transferred as part of that transaction, but you'll be notified of any such changes.

With your explicit consent, we may share success stories or testimonials that include your first name and general location. You can always opt out of these communications and request that we don't use your information for promotional purposes.

Data Security and Protection

Protecting your personal information is a top priority for us. We implement industry-standard security measures to safeguard your data against unauthorized access, alteration, disclosure, or destruction. Our systems use encryption both in transit and at rest, meaning your information is protected whether it's being transmitted to our servers or stored in our databases.

We regularly update our security protocols and conduct security audits to identify and address potential vulnerabilities. Our staff receives ongoing training on data protection best practices, and access to personal information is limited to employees who need it to perform their job functions. We use secure, Canadian-based servers that comply with national privacy regulations.

While we take every reasonable precaution to protect your information, no method of transmission over the internet is 100% secure. We encourage you to use strong passwords and keep your account credentials confidential. If you notice any suspicious activity on your account, please contact us immediately.

Your Privacy Rights and Choices

You have significant control over your personal information and how we use it. You can access, update, or delete your account information at any time through your account settings. If you'd like to review what personal information we have about you, or if you want to request corrections to inaccurate data, simply contact our support team.

You can unsubscribe from our marketing emails at any time by clicking the unsubscribe link in any email or by updating your communication preferences in your account. Even if you opt out of marketing communications, we'll still send you important service-related updates about your account.

Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services and fulfill the purposes outlined in this privacy policy. Generally, we keep account information for active users indefinitely to maintain continuity of service. However, if you request account deletion, we'll remove your personal information from our active systems within 30 days.

Some information may be retained for longer periods when required by law or for legitimate business purposes, such as fraud prevention or regulatory compliance. For example, we may keep records of financial transactions for tax purposes as required by Canadian law. We also maintain anonymized usage data for research and service improvement purposes, but this data cannot be linked back to individual users.

If you haven't accessed your account for more than three years, we may reach out to confirm whether you'd like to keep your account active. If we don't hear back within 60 days, we'll begin the process of archiving your account data and removing personal identifiers.

International Data Transfers

As a Canadian company, we primarily store and process your information within Canada using servers that comply with Canadian privacy laws. However, some of our service providers may be located in other countries, including the United States. When we transfer your information internationally, we ensure that appropriate safeguards are in place to protect your privacy rights.

We only work with international service providers who meet strict data protection standards and have committed to protecting your information according to Canadian privacy principles. These transfers are necessary to provide you with our full range of services, including email communications, customer support, and platform analytics.

Children's Privacy

Our services are designed for adults who want to improve their financial literacy skills. We don't knowingly collect personal information from children under 13 years of age. If you're under 18, please get permission from a parent or guardian before creating an account or providing any personal information.

If we learn that we've collected personal information from a child under 13, we'll take steps to delete that information as quickly as possible. Parents who believe their child has provided information to us can contact our support team to request removal of that information.

Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices, services, or applicable laws. When we make significant changes, we'll notify you by email and post a notice on our website. We encourage you to review this policy periodically to stay informed about how we're protecting your information.

Minor updates, such as clarifications or formatting changes, may be made without advance notice. However, any changes that materially affect how we collect, use, or share your personal information will be communicated to you at least 30 days before they take effect.