Privacy Policy
Introduction and Scope
At abiraveripelos (abiraveripelos.world), we understand that managing your finances requires trust. This privacy policy explains how we collect, use, and protect your personal information when you access our budget strategy education platform and services. Our commitment to privacy reflects our understanding of the sensitive nature of financial information and educational data.
This policy applies to all interactions with our website, educational materials, consultation services, and any communications between you and abiraveripelos. We operate under Canadian privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA), and maintain standards that exceed minimum legal requirements.
Information We Collect
Personal Information You Provide
- Contact details including name, email address, phone number, and mailing address
- Financial goals and budget-related information shared during consultations
- Educational background and experience level with financial planning
- Communication preferences and accessibility requirements
- Feedback, questions, and responses to our educational content
Technical Information
When you visit our website, we automatically collect certain technical information to improve your experience and ensure our platform functions properly. This includes your IP address, browser type, device information, and pages visited. We use this data to optimize our educational content delivery and identify technical issues.
Educational Progress Data
As you engage with our study materials and educational resources, we track your progress to provide personalized learning recommendations. This includes completion rates, time spent on different topics, and areas where you've requested additional support.
How We Use Your Information
Your information helps us deliver relevant, personalized budget strategy education. We use your data to customize learning paths, suggest appropriate resources, and provide consultation services that align with your specific financial goals and current knowledge level.
| Purpose | Information Used | Retention Period |
|---|---|---|
| Educational Content Delivery | Learning preferences, progress data | Duration of enrollment + 2 years |
| Consultation Services | Financial goals, contact information | 7 years from last interaction |
| Platform Improvement | Usage patterns, technical data | 3 years from collection |
| Communication | Contact details, preferences | Until withdrawal of consent |
Information Sharing and Disclosure
We don't sell or rent your personal information to third parties. However, we may share limited information in specific circumstances that directly support your educational experience or comply with legal requirements.
Educational Partners
When we collaborate with guest instructors or industry professionals for specialized content, we may share relevant educational progress information to ensure continuity in your learning experience. All partners sign confidentiality agreements and follow the same privacy standards we maintain.
Service Providers
We work with carefully selected service providers for platform hosting, email communication, and payment processing. These providers access only the information necessary to perform their specific functions and are contractually obligated to protect your data according to Canadian privacy standards.
We will never share your specific financial information or personal budget details with any third party without your explicit written consent, except as required by law.
Your Privacy Rights
Under Canadian privacy law, you have significant control over your personal information. We've designed our systems to make exercising these rights straightforward and transparent.
Access and Correction
- Request a complete copy of all personal information we hold about you
- Review how your information has been used and shared
- Correct any inaccurate or outdated information in our records
- Update your communication preferences at any time
- Access your educational progress reports and consultation notes
Data Portability and Deletion
You can request your educational data in a portable format if you decide to transfer your learning to another platform. You also have the right to request deletion of your personal information, though we may retain certain records for legal compliance purposes, particularly consultation records which we're required to maintain for seven years under financial services regulations.
Withdrawal of Consent
You can withdraw consent for non-essential data processing at any time. This includes marketing communications, optional progress tracking, and supplementary educational recommendations. Essential processing for active services and legal compliance will continue as necessary.
Data Security and Protection
Given the sensitive nature of financial education and personal goal-setting information, we maintain robust security measures that go beyond standard practices. Our approach combines technical safeguards with strict procedural controls.
Technical Safeguards
All data transmission occurs over encrypted connections using industry-standard SSL/TLS protocols. Personal information is stored on secure servers located in Canadian data centers with 24/7 monitoring, redundant backups, and access controls that require multi-factor authentication. We regularly update our security systems and conduct quarterly security assessments.
Access Controls
Only authorized team members who require access for your educational support can view your personal information. All access is logged and monitored. Our team receives regular privacy training and signs confidentiality agreements that extend beyond their employment with abiraveripelos.
Incident Response
In the unlikely event of a data security incident, we maintain a response plan that includes immediate containment, assessment of affected information, notification procedures, and remedial measures. We commit to transparent communication about any incident that might affect your personal information, following both legal requirements and our own higher standards for notification timing.
International Data Transfers
We primarily store and process your information within Canada. However, some of our carefully selected service providers may process data outside Canada, including in the United States and European Union. When this occurs, we ensure adequate protection through contractual safeguards that meet or exceed Canadian privacy standards.
Any international transfer is limited to what's necessary for service delivery and is covered by appropriate legal mechanisms, including Standard Contractual Clauses for EU transfers and Privacy Shield successor frameworks for US transfers.
Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your learning experience and improve our educational platform. Most cookies we use are essential for platform functionality, while others help us understand how you interact with our content.
Essential Cookies
These cookies are necessary for our website to function properly. They enable basic features like page navigation, access to secure areas, and remembering your preferences during a session. You cannot opt out of essential cookies while using our platform.
Analytics and Performance
We use analytics cookies to understand which educational content is most valuable and where students might need additional support. This helps us continuously improve our curriculum and identify technical issues that might affect your learning experience.
Children's Privacy
Our educational services are designed for adults managing their own finances. We don't knowingly collect personal information from individuals under 18 years of age. If we become aware that we've inadvertently collected information from a minor, we will take immediate steps to delete that information and terminate any associated accounts.
Parents or guardians who believe we may have collected information from a minor should contact us immediately using the information provided below.
Updates to This Privacy Policy
We review and update this privacy policy regularly to ensure it accurately reflects our practices and meets evolving privacy standards. When we make significant changes that affect how we handle your personal information, we'll notify you directly via email and prominently display the changes on our website.
Minor updates, such as clarifications or administrative changes, will be posted with an updated effective date. We encourage you to review this policy periodically, especially before sharing additional personal information with us.
Contact Information for Privacy Matters
Privacy Officer: abiraveripelos Privacy Team
Email: info@abiraveripelos.world (mark subject line "Privacy Inquiry")
Phone: +14036169801
Mailing Address:
abiraveripelos Privacy Office
227 Boulevard Perron #203
Matane, QC G4W 7H6
Canada
We're committed to addressing your privacy concerns promptly and thoroughly. Most inquiries receive a response within two business days, with complex matters resolved within 30 days as required by Canadian privacy legislation.