Privacy Policy

Introduction

At calorenthivasa, we're committed to protecting your privacy and ensuring transparency about how we handle your personal information. This privacy policy explains our data practices for our financial modeling platform and educational services. We believe that understanding how your data is used is essential for building trust, and we've designed this policy to be as clear and comprehensive as possible.

This policy applies to all users of our platform, whether you're accessing our financial modeling tools, participating in our learning programs, or simply browsing our website. We collect only the information necessary to provide you with exceptional service and educational experiences.

Information We Collect

Personal Information

When you create an account or use our services, we may collect various types of personal information to provide you with tailored educational experiences and platform functionality:

• Contact information including your name, email address, phone number, and mailing address
• Professional information such as job title, company name, industry, and experience level
• Educational background and areas of interest in financial modeling
• Payment information for course enrollment and subscription services
• Communication preferences and language settings

Usage and Technical Information

To improve our platform and provide better user experiences, we automatically collect certain technical information:

Information Type	Purpose	Retention Period
IP address and location data	Security monitoring and content localization	12 months
Device and browser information	Platform optimization and compatibility	24 months
Platform usage patterns	Feature improvement and user experience enhancement	18 months
Learning progress and completion data	Personalized recommendations and progress tracking	5 years

How We Use Your Information

Your information serves several important purposes that directly benefit your experience with our platform. We use your data responsibly and only for legitimate business purposes that align with providing exceptional financial education services.

Primary Uses

• Account Management: Creating and maintaining your user account, processing payments, and providing customer support
• Educational Services: Delivering personalized learning experiences, tracking your progress, and recommending relevant content
• Platform Improvement: Analyzing usage patterns to enhance features, fix bugs, and develop new educational tools
• Communication: Sending important updates, course announcements, and educational content you've requested
• Security: Protecting against fraud, unauthorized access, and ensuring platform security

Marketing and Communications

We may use your contact information to send you educational content, industry insights, and information about new courses or features. You always have control over these communications and can unsubscribe at any time through the links provided in our emails or by contacting our support team.

Information Sharing and Disclosure

We take a conservative approach to sharing your information and only do so when necessary to provide our services or when required by law. We never sell your personal information to third parties for marketing purposes.

Service Providers

We work with trusted third-party service providers who help us deliver our educational platform. These partners are carefully selected and bound by strict confidentiality agreements:

• Payment processors for secure transaction handling
• Cloud hosting providers for platform infrastructure
• Email service providers for communication delivery
• Analytics providers for platform improvement insights
• Customer support tools for efficient service delivery

Legal Requirements

We may disclose your information when required by law, court order, or government regulation. We also reserve the right to share information when necessary to protect our rights, prevent fraud, or ensure user safety. In such cases, we limit disclosure to the minimum information necessary.

Data Security and Protection

Protecting your information is a top priority. We've implemented comprehensive security measures designed to safeguard your personal data against unauthorized access, alteration, disclosure, or destruction. Our security practices are regularly reviewed and updated to address emerging threats.

Technical Safeguards

• End-to-end encryption for data transmission and storage
• Multi-factor authentication for account protection
• Regular security audits and vulnerability assessments
• Secure backup systems with encrypted storage
• Access controls limiting employee data access to job-necessary functions

Physical and Administrative Controls

Beyond technical measures, we maintain strict physical security at our facilities and comprehensive employee training programs. All team members undergo background checks and receive regular privacy training. We also maintain incident response procedures to quickly address any potential security issues.

Your Privacy Rights

You have important rights regarding your personal information. We respect these rights and provide easy ways for you to exercise them. Understanding and exercising these rights helps you maintain control over your personal data.

Access and Portability

You have the right to access the personal information we hold about you. You can request a copy of your data in a commonly used format, which includes your account information, learning progress, and communication history. We typically fulfill these requests within 30 days.

Correction and Update

If any of your personal information is incorrect or outdated, you can update it directly through your account settings or by contacting our support team. We're committed to maintaining accurate information and will promptly correct any errors.

Deletion and Withdrawal

You may request deletion of your personal information, subject to certain legal and business requirements. When you delete your account, we remove your personal information within 90 days, though some information may be retained for legal compliance or security purposes.

Data Retention

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy or as required by law. Our retention periods are based on the type of information and the purpose for which it was collected.

Retention Schedule

• Account Information: Retained while your account is active plus 3 years after closure
• Learning Progress: Retained for 5 years to support continued education and certification requirements
• Payment Information: Retained for 7 years for tax and accounting purposes
• Communication Records: Retained for 3 years for customer service and legal purposes
• Technical Logs: Retained for 12-24 months for security and system improvement

Children's Privacy

Our platform is designed for professional users and individuals pursuing advanced financial education. We do not knowingly collect personal information from children under 13 years of age. If we become aware that we have collected personal information from a child under 13, we will take steps to delete that information promptly.

For users between 13 and 18, we require parental consent before collecting any personal information. Parents or guardians may review, modify, or request deletion of their child's information by contacting us directly.

Changes to This Policy

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

We encourage you to review this policy regularly to stay informed about how we're protecting your information. The effective date at the top of this policy indicates when the most recent changes were made.

International Users

While calorenthivasa is based in Canada, we welcome users from around the world. If you're accessing our services from outside Canada, please note that your information may be transferred to and processed in Canada, where our servers and primary operations are located.

We ensure that international data transfers comply with applicable privacy laws and provide appropriate safeguards for your personal information, regardless of where you're located.