Introduction

At wevaraurakalio, we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website wevaraurakalio.world or use our services.

This policy applies to all users of our financial education services and website visitors. By accessing our services, you agree to the collection and use of information as described in this Privacy Policy.

Information We Collect

Personal Information You Provide

When you interact with our services, we may collect the following types of personal information:

• Name and contact information (email address, phone number, mailing address)
• Educational background and professional experience details
• Payment information for course enrollment and services
• Communication preferences and feedback
• Any information you provide in forms, surveys, or direct communications

Automatically Collected Information

Our website automatically collects certain technical information to improve your experience:

• IP address and browser information
• Device type and operating system details
• Pages visited and time spent on our website
• Referring website and search terms used
• Cookies and similar tracking technologies data

Data Type	Collection Method	Purpose	Retention Period
Contact Information	Registration Forms	Course Communication	3 years after last contact
Payment Data	Secure Payment Forms	Transaction Processing	7 years for tax purposes
Website Analytics	Automated Tracking	Site Improvement	24 months
Course Progress	Learning Platform	Educational Support	5 years after completion

How We Use Your Information

We use the collected information for legitimate business purposes, including:

Educational Services

• Providing access to our financial education programs and resources
• Tracking your learning progress and customizing educational content
• Communicating important course updates and announcements
• Offering personalized learning recommendations and support

Business Operations

• Processing payments and managing your account
• Responding to your inquiries and providing customer support
• Analyzing website usage to improve our services and user experience
• Complying with legal obligations and regulatory requirements

Marketing and Communication

With your consent, we may use your information to send you marketing communications about new courses, events, or relevant educational content. You can opt out of these communications at any time.

Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. However, we may share your information in the following circumstances:

Service Providers

We work with trusted third-party service providers who assist us in operating our website and delivering our services. These providers include:

• Payment processors for secure transaction handling
• Email service providers for course communications
• Cloud storage providers for data hosting and backup
• Analytics providers for website performance monitoring

All service providers are contractually bound to maintain the confidentiality and security of your information.

Legal Requirements

We may disclose your information when required by law, such as:

• Compliance with legal processes, court orders, or government requests
• Protection of our rights, property, or safety, or that of our users
• Investigation of fraud, security issues, or violations of our terms
• Regulatory compliance in the financial education sector

Business Transfers

In the event of a merger, acquisition, or sale of assets, your personal information may be transferred as part of the business transaction. We will notify you of any such change in ownership or control of your information.

Your Privacy Rights

Under Canadian privacy law, you have several important rights regarding your personal information:

How to Exercise Your Rights

To exercise any of these rights, please contact our privacy officer using the information provided below. We will respond to your request within 30 days and may ask you to verify your identity before processing your request.

Data Security

We implement comprehensive security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

Technical Safeguards

• SSL encryption for all data transmission
• Secure servers with firewalls and intrusion detection
• Regular security audits and vulnerability assessments
• Multi-factor authentication for administrative access
• Encrypted data storage and backup systems

Administrative Safeguards

• Limited access to personal information on a need-to-know basis
• Regular employee training on privacy and security practices
• Background checks for staff with access to sensitive data
• Incident response procedures for potential data breaches
• Regular review and updates of our security policies

Physical Safeguards

• Secure facilities with controlled access
• Locked storage for physical documents containing personal information
• Secure disposal of documents and electronic media
• Surveillance systems and security personnel where appropriate

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience and analyze site usage.

Types of Cookies We Use

• Essential Cookies: Required for basic website functionality and cannot be disabled
• Analytics Cookies: Help us understand how visitors use our site to improve performance
• Functional Cookies: Remember your preferences and settings for a better experience
• Marketing Cookies: Used to deliver relevant advertisements (only with your consent)

Managing Cookie Preferences

You can control cookie settings through your browser preferences. However, disabling certain cookies may limit website functionality. Most browsers allow you to:

• View and delete existing cookies
• Block cookies from specific websites
• Block all cookies (not recommended for functionality)
• Delete cookies when you close your browser

Data Retention

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, and resolve disputes.

Retention Periods

• Student Records: 5 years after course completion or last activity
• Financial Records: 7 years as required by Canadian tax law
• Marketing Data: Until you unsubscribe or 3 years of inactivity
• Website Analytics: 24 months from collection
• Customer Support Records: 3 years from last interaction

When information is no longer needed, we securely delete or anonymize it according to our data destruction procedures. Some information may be retained in anonymized form for statistical purposes.

International Data Transfers

Your personal information is primarily stored and processed in Canada. However, some of our service providers may process data outside Canada, including in the United States.

When we transfer your information internationally, we ensure appropriate safeguards are in place, such as:

• Contractual clauses requiring equivalent privacy protection
• Certification programs like Privacy Shield successors
• Assessment of the legal framework in the destination country
• Additional security measures where necessary

Children's Privacy

Our services are designed for adults and individuals who have reached the age of majority in their province. We do not knowingly collect personal information from children under 13 years of age.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately. We will delete such information from our records promptly.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we will:

• Post the updated policy on our website with a new effective date
• Notify registered users via email about material changes
• Provide a summary of key changes where appropriate
• Allow reasonable time for you to review changes before they take effect

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.