Privacy Policy

Your privacy matters to us. This comprehensive policy explains how selquarionth collects, uses, and protects your personal information in accordance with Canadian privacy laws.

Information We Collect

At selquarionth, we collect various types of information to provide you with our budget allocation and financial planning services. Understanding what we collect helps you make informed decisions about sharing your information with us.

Personal Information

We collect personal information that you voluntarily provide when creating an account, using our services, or contacting us. This includes your name, email address, phone number, and mailing address. When you participate in our learning programs, we also collect educational background information and professional experience details to customize your learning experience.

Financial Information

To provide effective budget allocation guidance, we may collect information about your income ranges, general financial goals, and budgeting preferences. We never store complete bank account numbers or credit card details on our servers. All payment processing is handled through secure, certified third-party processors.

Technical Information

Our systems automatically collect certain technical information including your IP address, browser type, device information, and usage patterns on our website. This helps us improve our services and ensure platform security. We also use cookies and similar technologies to enhance your experience and remember your preferences.

Contact information including name, email, phone number, and address
Account credentials and profile information
Financial goals and general income information
Educational background and professional experience
Communication records and support interactions
Website usage data and technical information
Cookie data and preference settings
Survey responses and feedback submissions

How We Use Your Information

We use your personal information exclusively for legitimate business purposes related to providing our financial education and budget allocation services. Our use of your information is always transparent and aligned with the purposes for which it was collected.

Service Delivery

Your information enables us to deliver personalized budget allocation recommendations, financial planning tools, and educational content tailored to your specific situation. We analyze your goals and preferences to provide relevant learning materials and program suggestions that align with your financial objectives.

Communication and Support

We use your contact information to respond to inquiries, provide customer support, send important service updates, and share educational resources. Our communications are designed to enhance your experience and keep you informed about relevant opportunities in our learning programs.

Platform Improvement

Technical data helps us understand how users interact with our platform, identify areas for improvement, and develop new features. We analyze usage patterns to optimize our website performance and create more effective educational tools.

Important: We never sell your personal information to third parties or use it for purposes unrelated to our financial education services. Your trust is fundamental to our mission of providing quality financial education.

Information Sharing and Disclosure

selquarionth operates with a strict policy regarding information sharing. We understand that your financial and personal information requires the highest level of protection, and we limit sharing to essential circumstances only.

Service Providers

We work with carefully selected third-party service providers who help us deliver our services effectively. These include payment processors, email service providers, hosting companies, and analytics tools. All service providers are bound by strict confidentiality agreements and are only permitted to use your information for the specific services they provide to us.

Legal Requirements

In certain circumstances, we may be required to disclose your information to comply with legal obligations, respond to valid legal requests, protect our rights and property, or ensure user safety. Such disclosures are made only when legally required and are limited to the minimum information necessary.

Business Transfers

In the unlikely event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction. We would provide advance notice of such transfers and any changes to privacy practices that might result.

Authorized service providers under strict confidentiality agreements
Legal authorities when required by law or court order
Professional advisors including lawyers and accountants
Emergency situations to protect safety and security
Business partners for joint educational programs (with your consent)
Regulatory bodies as required by financial education standards

Data Security and Protection

Protecting your information is our top priority. We implement comprehensive security measures designed to safeguard your personal and financial data against unauthorized access, disclosure, alteration, and destruction.

Technical Safeguards

Our systems use industry-standard encryption protocols for data transmission and storage. All sensitive information is encrypted both in transit and at rest. We employ secure socket layer (SSL) technology for all data transfers and maintain regular security updates and patches across our infrastructure.

Access Controls

We maintain strict access controls ensuring that only authorized personnel can access your information, and only to the extent necessary for their job functions. All employees undergo background checks and receive regular privacy and security training. Access logs are maintained and regularly reviewed.

Monitoring and Response

We continuously monitor our systems for security threats and maintain incident response procedures to address any potential breaches quickly and effectively. Regular security audits and penetration testing help us identify and address vulnerabilities proactively.

Security Commitment: While we implement robust security measures, no system is 100% secure. We continuously invest in security improvements and will promptly notify you of any security incidents that may affect your information.

Your Rights and Choices

Under Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA), you have significant rights regarding your personal information. We are committed to facilitating the exercise of these rights in a timely and transparent manner.

Access and Portability

You have the right to request access to all personal information we hold about you. We will provide this information in a clear, understandable format within 30 days of your request. You can also request that we provide your information in a machine-readable format for transfer to another service provider.

Correction and Updates

You can request corrections to any inaccurate or incomplete personal information we maintain about you. We encourage you to keep your information current by updating your account settings regularly. For significant changes, we may require verification of your identity.

Deletion and Withdrawal

You have the right to request deletion of your personal information, subject to certain legal and contractual obligations. You can also withdraw consent for certain uses of your information, though this may limit our ability to provide some services.

Request access to your personal information
Correct inaccurate or incomplete information
Request deletion of your personal information
Withdraw consent for specific uses
Object to certain processing activities
Request data portability in standard formats
File complaints with privacy regulators
Receive notification of any data breaches affecting you

How to Exercise Your Rights

To exercise any of these rights, contact us using the information provided below. We may need to verify your identity before processing requests. Most requests are processed within 30 days, though complex requests may take longer. We will keep you informed throughout the process.

Data Retention and International Transfers

We maintain clear policies regarding how long we retain your information and under what circumstances it may be transferred outside of Canada.

Retention Periods

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements. Account information is typically retained for seven years after account closure, while marketing communications data is deleted within two years of opting out.

International Data Transfers

While we primarily store and process data within Canada, some of our service providers may operate in other jurisdictions. When international transfers occur, we ensure appropriate safeguards are in place, including contractual protections and adequacy determinations where applicable.

Data Minimization

We regularly review our data holdings to ensure we only retain information that remains necessary for our legitimate business purposes. Automated processes help us identify and safely dispose of information that has exceeded its retention period.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your experience, analyze usage patterns, and improve our services. We provide you with clear choices about these technologies.

Types of Cookies We Use

Essential cookies are necessary for basic website functionality and cannot be disabled. Analytics cookies help us understand how visitors interact with our site. Preference cookies remember your settings and choices. Marketing cookies are used only with your consent to provide relevant content and measure campaign effectiveness.

Your Cookie Choices

You can control cookie settings through your browser preferences and our cookie management tools. Disabling certain cookies may affect website functionality. We provide clear information about the impact of different cookie choices when you make your selections.

Third-Party Analytics

We use reputable analytics services to understand website performance and user behavior. These services are configured to respect your privacy choices and operate under strict data processing agreements that limit their use of your information.

Policy Updates and Changes

This privacy policy may be updated periodically to reflect changes in our practices, services, or legal requirements. We are committed to transparency about any changes that may affect how we handle your personal information.

Notification Process

We will notify you of material changes to this policy through email and prominent notices on our website at least 30 days before changes take effect. For minor updates that don't affect your rights, we may provide notice through our website only.

Your Options

If you disagree with policy changes, you can close your account before the changes take effect. Continued use of our services after the effective date constitutes acceptance of the updated policy. We encourage you to review updates carefully and contact us with any questions.

This policy was last updated on January 15, 2025. Previous versions are available upon request. We maintain records of all policy changes to ensure transparency and accountability in our privacy practices.

Privacy Questions and Contact Information

We welcome your questions, concerns, and requests regarding our privacy practices. Our privacy team is committed to responding promptly and thoroughly to all inquiries.

Mailing Address

49 Lennox St
Cornwall, ON K6H 1H2
Canada

Phone Number

+1 (780) 705-0691

Email Address

info@selquarionth.com

Response Time

Within 30 days
Complex requests may require additional time

If you believe we have not addressed your privacy concerns adequately, you have the right to file a complaint with the Office of the Privacy Commissioner of Canada.