Privacy Policy

Introduction and Scope

At Onlineprendoxa, we understand that your privacy is fundamental to building trust in our financial services platform. This comprehensive privacy policy explains how we collect, use, protect, and share your personal information when you interact with our business strategy services and educational programs.

This policy applies to all users of our platform, including visitors to our website, registered users, and participants in our learning programs. By accessing our services, you acknowledge that you have read and understood this privacy policy.

Information We Collect

Personal Information

We collect various types of information to provide and improve our services. The personal information we gather includes:

• Contact information such as your name, email address, phone number, and mailing address
• Professional information including your job title, company name, and business interests
• Financial information relevant to our educational services and business strategy consultations
• Educational background and experience levels to customize our learning programs
• Payment information for processing transactions and managing subscriptions
• Communication preferences and interaction history with our platform

Technical Information

Our systems automatically collect certain technical information when you use our platform:

• Device information including IP address, browser type, and operating system
• Usage patterns and navigation behavior within our platform
• Session duration and frequency of visits to different sections
• Geographic location data based on IP address for content localization
• Cookie data and similar tracking technologies for enhanced user experience

How We Use Your Information

We use the collected information for several legitimate business purposes that directly benefit your experience with our financial education platform:

Service Delivery and Improvement

• Providing personalized financial education content and business strategy recommendations
• Processing registrations for our learning programs and managing your account
• Facilitating communication between you and our educational specialists
• Analyzing platform usage to improve our services and develop new features
• Sending important updates about your account and changes to our services

Marketing and Communications

With your consent, we may use your information to send you educational content, newsletters, and information about new programs that align with your interests. You can opt out of these communications at any time through your account settings or by contacting us directly.

Data Sharing and Third Parties

We maintain strict policies regarding the sharing of your personal information. We do not sell your personal data to third parties, and we only share information in specific, limited circumstances:

Service Providers and Partners

• Payment processors for handling transactions and subscription management
• Educational content providers who help deliver specialized learning materials
• Technical service providers for platform maintenance and security
• Analytics providers to help us understand and improve user experience
• Communication platforms for sending emails and notifications

All third-party service providers are required to maintain the same level of data protection as outlined in this policy and are prohibited from using your information for their own purposes.

Legal Requirements

We may disclose your information when required by law, such as responding to legal process, protecting our rights, or ensuring the safety of our users and the public.

Your Privacy Rights

You have several important rights regarding your personal information. We are committed to helping you exercise these rights effectively:

Data Security and Protection

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our security framework includes:

Technical Safeguards

• Industry-standard encryption for data transmission and storage
• Regular security audits and vulnerability assessments
• Multi-factor authentication for account access
• Secure backup systems with encrypted storage
• Network security monitoring and intrusion detection systems

Operational Security

• Limited access to personal information on a need-to-know basis
• Regular staff training on data protection and privacy practices
• Incident response procedures for potential security breaches
• Regular updates to security protocols and systems

While we implement robust security measures, we also encourage users to take steps to protect their own information, such as using strong passwords and logging out of shared devices.

Data Retention and Deletion

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy and to comply with legal requirements. Our retention practices include:

Retention Periods

• Account information: Retained while your account is active and for 7 years after closure
• Educational progress data: Maintained for 5 years to support ongoing learning
• Communication records: Kept for 3 years for quality assurance and support
• Payment information: Retained for 7 years for financial and tax compliance
• Technical logs: Automatically deleted after 2 years unless required for security purposes

Deletion Procedures

When information is no longer needed, we securely delete it from our systems. You can request early deletion of your information, though some data may need to be retained for legal compliance or legitimate business purposes.

International Data Transfers

As a Canadian company, we primarily process and store data within Canada. However, some of our service providers may be located in other countries, including the United States. When we transfer data internationally, we ensure:

• Adequate protection through contractual safeguards with service providers
• Compliance with applicable data protection laws in both countries
• Regular monitoring of international data processing activities
• Transparency about which services may involve international transfers

We will notify you of any significant changes to our international data transfer practices and provide options for users who prefer domestic data processing.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform. These technologies help us understand how you use our services and allow us to provide personalized content.

Types of Cookies We Use

• Essential cookies: Required for basic platform functionality and security
• Performance cookies: Help us understand how users interact with our platform
• Functionality cookies: Remember your preferences and settings
• Analytics cookies: Provide insights into user behavior and platform usage

You can manage your cookie preferences through your browser settings or our cookie management tool. Note that disabling certain cookies may affect platform functionality.

Changes to This Policy

We regularly review and update this privacy policy to reflect changes in our practices, technology, and legal requirements. When we make significant changes, we will:

• Notify you via email and through prominent notices on our platform
• Provide a summary of key changes and their impact
• Give you time to review the updated policy before it takes effect
• Maintain previous versions of the policy for reference

Continued use of our services after policy updates indicates your acceptance of the revised terms. If you disagree with changes, you may close your account or contact us to discuss your concerns.