Privacy Policy
Your privacy matters to us at lumivaltheroq
Introduction
lumivaltheroq operates as a comprehensive banking services education platform, helping Canadians understand financial concepts and make informed decisions about their money. This privacy policy explains how we collect, use, and protect your personal information when you interact with our services at lumivaltheroq.com.
We believe transparency builds trust. That's why we've written this policy in plain language, avoiding legal jargon wherever possible. Our commitment to protecting your privacy isn't just about compliance with Canadian laws—it reflects our core values as an educational institution.
Information We Collect
Personal Information You Provide
When you sign up for our courses or contact us, you might share information like your name, email address, phone number, and educational background. We also collect information about your learning preferences and goals to customize your experience.
Technical Information
Our website automatically collects certain technical data including your IP address, browser type, device information, and how you navigate through our site. This helps us improve our platform and ensure it works smoothly for everyone.
Educational Progress Data
We track your progress through our learning materials, quiz results, and course completions. This information helps us provide personalized recommendations and measure the effectiveness of our educational content.
How We Use Your Information
Your information serves several important purposes that directly benefit your learning experience. We use it to deliver our educational services, send you relevant course materials, and provide technical support when you need it.
- Personalizing your learning journey based on your goals and progress
- Sending course updates, educational resources, and important announcements
- Improving our platform through analytics and user feedback
- Complying with Canadian educational and privacy regulations
- Protecting against fraud and ensuring platform security
We never sell your personal information to third parties. Any data sharing occurs only with trusted service providers who help us deliver our educational services, and they're bound by strict confidentiality agreements.
Your Privacy Rights
Under Canadian privacy legislation, including PIPEDA and provincial privacy acts, you have significant control over your personal information. These rights aren't just legal requirements—they're fundamental to how we operate.
Access Your Data
Request a complete copy of the personal information we hold about you, including how we obtained it and how we've used it.
Correct Inaccuracies
Update or correct any personal information that's outdated or incorrect. We want to ensure our records are accurate and current.
Delete Information
Request deletion of your personal information, subject to certain legal and operational requirements for educational records.
Withdraw Consent
Opt out of marketing communications or withdraw consent for certain data processing activities at any time.
Data Protection Measures
Protecting your information is a responsibility we take seriously. We employ multiple layers of security to safeguard your data against unauthorized access, alteration, or disclosure.
We use industry-standard encryption, secure servers hosted in Canada, and regular security audits to protect your information. Our staff receives ongoing privacy training and follows strict access protocols.
Technical Safeguards
Our systems use SSL encryption for data transmission, encrypted storage for sensitive information, and multi-factor authentication for administrative access. We regularly update our security measures to address emerging threats.
Organizational Measures
Access to personal information is limited to employees who need it for their work. We conduct background checks on staff with data access and maintain detailed logs of who accesses what information and when.
Data Retention and Deletion
We keep your personal information only as long as necessary to provide our services and comply with legal requirements. Different types of information have different retention periods based on their purpose and regulatory requirements.
- Course enrollment and progress data: Retained for 7 years after course completion
- Marketing communications preferences: Kept until you withdraw consent
- Technical logs and analytics: Automatically deleted after 2 years
- Financial transaction records: Retained for 7 years per Canadian tax requirements
When we delete your information, we do so securely and completely. This includes removing data from backup systems and ensuring our service providers also delete your information according to our agreements with them.
International Data Transfers
We primarily store and process your data within Canada. However, some of our service providers may process data outside Canada, including in the United States. When this happens, we ensure appropriate safeguards are in place to protect your information.
Any international transfers comply with Canadian privacy laws and include contractual protections that require foreign processors to maintain the same level of protection as required in Canada. We regularly review these arrangements to ensure ongoing compliance.
Cookies and Tracking
Our website uses cookies and similar technologies to enhance your browsing experience and help us understand how visitors use our site. Most cookies we use are essential for the website to function properly, while others help us improve our services.
Types of Cookies We Use
- Essential cookies that enable core website functionality
- Performance cookies that help us analyze site usage and improve user experience
- Preference cookies that remember your settings and choices
You can control cookie settings through your browser preferences. However, disabling certain cookies may affect how our website functions and limit some features.
Changes to This Policy
We review and update this privacy policy regularly to reflect changes in our practices, technology, and legal requirements. When we make significant changes, we'll notify you through email or a prominent notice on our website.
Minor updates, such as clarifications or formatting changes, may be made without specific notification. We encourage you to review this policy periodically to stay informed about how we protect your privacy.
Questions About Your Privacy?
We're here to help with any privacy-related questions or concerns.
Email: info@lumivaltheroq.com
Phone: +1 (403) 501-0077
Mail:
lumivaltheroq Privacy Office
211 Horseshoe Lake Dr #112
Halifax, NS B3S 1B4
Canada
We respond to all privacy inquiries within 30 days, as required by Canadian privacy legislation.