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

Information You Provide to Us

• Contact details including name, email address, phone number, and mailing address when you register or reach out
• Account credentials and profile information you create
• Educational background and investment experience when you complete assessments
• Payment information processed securely through our third-party payment processors
• Communications you send us, including questions, feedback, and support requests
• Course progress data, quiz responses, and learning preferences

Information Collected Automatically

• Device information such as IP address, browser type, operating system, and device identifiers
• Usage data including pages viewed, time spent on sections, and navigation patterns
• Location data based on your IP address to provide region-appropriate content
• Cookie data and similar tracking technologies to remember your preferences

We use the information we collect to provide, maintain, and improve our educational services. Here's what that actually looks like in practice:

1. Delivering course content and personalizing your learning experience based on your progress and preferences
2. Processing enrollments and managing your account access to different program modules
3. Sending important updates about courses you're enrolled in, including schedule changes or new materials
4. Responding to your questions and providing technical support when issues arise
5. Analyzing platform usage to understand which content works best and where we can improve
6. Protecting against fraud and maintaining the security of our platform
7. Complying with legal obligations under Canadian financial education regulations

We don't sell your personal information. Period. But we do share data with select partners who help us operate our platform. Here's the complete picture:

Partner Type	Purpose	Data Shared
Payment Processors	Handle enrollment payments securely	Billing information, transaction details
Course Delivery Platforms	Host and deliver video content	Account ID, viewing preferences
Email Service Providers	Send course updates and communications	Email address, name, enrollment status
Analytics Services	Understand platform usage patterns	Anonymized usage data, device information
Cloud Hosting Providers	Store data and maintain platform infrastructure	All account and course data

All third-party service providers are bound by contracts that require them to protect your information and use it only for the specific purposes we've outlined. We also share information when required by law, such as responding to court orders or regulatory requests.

PIPEDA gives you specific rights regarding your personal information. We respect these rights and make it straightforward to exercise them.

Access and Correction

You can request a copy of the personal information we hold about you. If anything's incorrect or outdated, let us know and we'll update it. We'll respond to access requests within 30 days as required by law.

Data Portability

You have the right to receive your personal data in a structured, commonly used format. This includes your course progress, quiz results, and profile information. Just send us a request and we'll provide your data in CSV or JSON format.

Withdrawal of Consent

You can withdraw your consent for us to use your information at any time. Keep in mind this might affect your ability to use certain features. For example, if you withdraw consent for us to process payment information, we won't be able to process future enrollments.

Account Deletion

You can request deletion of your account and associated personal data. We'll complete this within 30 days, though we may retain certain information for legal compliance purposes, such as financial transaction records required under Canadian tax law.

Protecting your information isn't just a legal requirement for us — it's fundamental to how we operate. We use multiple layers of security to keep your data safe.

• Industry-standard encryption (TLS 1.3) for all data transmitted between your device and our servers
• Encrypted storage for sensitive information including passwords and payment details
• Regular security audits and vulnerability assessments conducted quarterly
• Access controls limiting who can view your personal information to essential staff only
• Secure data centers located in Canada with physical security measures
• Regular backups stored in geographically separate locations
• Employee training on privacy best practices and data handling procedures

Despite our best efforts, no online platform can guarantee absolute security. If we detect a data breach affecting your information, we'll notify you within 72 hours as required by PIPEDA and outline steps to protect yourself.

We keep your information only as long as necessary for the purposes described in this policy or as required by law.

Data Type	Retention Period
Account and profile information	Duration of account plus 2 years after account closure
Course progress and quiz results	Duration of account plus 3 years for educational records
Payment transaction records	7 years to comply with Canadian tax regulations
Support communications	3 years after last interaction
Marketing preferences	Until you unsubscribe or close your account
Website usage logs	90 days for operational purposes

After retention periods expire, we securely delete or anonymize your data so it can no longer identify you. Anonymized data may be retained indefinitely for statistical analysis and platform improvement.

We use cookies and similar technologies to make our platform work properly and understand how you use it. Most of these are essential for basic functionality.

Types of Cookies We Use

• Essential Cookies: Required for login, security, and basic platform functionality. These can't be disabled without breaking the site.
• Preference Cookies: Remember your settings like language preferences and course view options.
• Analytics Cookies: Help us understand which features are most valuable and where students get stuck.
• Performance Cookies: Monitor platform speed and identify technical issues before they affect your experience.

You can control cookie settings through your browser preferences. Blocking cookies may limit some platform features. We don't use advertising cookies or sell data to third-party advertisers.

We primarily store and process data within Canada. However, some of our service providers operate globally, which means your information might be transferred to and processed in other countries.

When data is transferred outside Canada, we ensure adequate protection through:

• Contractual agreements requiring service providers to maintain Canadian privacy standards
• Selecting providers in jurisdictions recognized by the Privacy Commissioner of Canada as having adequate privacy protections
• Implementing additional safeguards like encryption during transfer and storage

If you have concerns about international transfers, contact us to discuss the specific safeguards in place for your data.

Our platform is designed for adults interested in investment education. We don't knowingly collect personal information from anyone under 18 years of age. If you're under 18, please don't register for an account or provide any personal information.

If we discover we've inadvertently collected information from someone under 18, we'll delete it immediately. Parents or guardians who believe we may have information about a minor should contact us at help@rygarzolux.vip.

We update this policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on the platform at least 30 days before the changes take effect.

We encourage you to review this policy periodically. Continued use of our platform after changes become effective means you accept the updated policy. If you disagree with changes, you can close your account before they take effect.

Current Version: January 2025

If you have questions about this privacy policy or how we handle your information, we're here to help. We take all privacy concerns seriously and aim to resolve them quickly.

If you're not satisfied with our response, you have the right to file a complaint with the Office of the Privacy Commissioner of Canada. However, we'd appreciate the opportunity to address your concerns directly first.