At nuviraquelos (nuviraquelos.com), we understand that your privacy is fundamental to your trust in our financial education platform. This comprehensive privacy policy explains how we collect, use, protect, and share your personal information when you use our business finance basics courses and services. We're committed to maintaining transparency about our data practices and ensuring compliance with Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).

1. Information We Collect

Personal Information You Provide

When you register for our business finance education programs, we collect information that you voluntarily provide. This includes your name, email address, phone number, professional background, and payment information. We also gather details about your learning preferences and career goals to better tailor our educational content to your needs.

Automatically Collected Information

Our platform automatically collects certain technical information when you visit our website or use our services. This includes your IP address, browser type, operating system, pages viewed, time spent on pages, and referring website information. We use cookies and similar technologies to enhance your learning experience and track course progress.

Data Type	Collection Method	Purpose
Contact Information	Registration Forms	Course delivery and communication
Learning Progress	Platform Analytics	Personalized education experience
Technical Data	Cookies and Logs	Platform optimization and security

2. How We Use Your Information

Your personal information serves several important purposes in delivering our financial education services. We use your data to provide access to course materials, track your learning progress, and send important updates about your enrollment. Additionally, we analyze usage patterns to improve our educational content and platform functionality.

• Delivering personalized business finance education and course recommendations
• Processing payments and managing your account access
• Sending course updates, educational newsletters, and important service announcements
• Providing customer support and responding to your inquiries
• Analyzing learning patterns to enhance our educational programs
• Ensuring platform security and preventing unauthorized access
• Complying with legal obligations and regulatory requirements

3. Information Sharing and Disclosure

We maintain strict policies regarding the sharing of your personal information. We do not sell, rent, or trade your personal data to third parties for marketing purposes. However, we may share certain information in specific circumstances that are essential to providing our services or as required by law.

Service Providers

We work with trusted third-party service providers who help us deliver our educational platform. These include payment processors, email service providers, cloud hosting services, and analytics platforms. All service providers are contractually obligated to protect your information and use it only for the specific services they provide to us.

Legal Requirements

We may disclose your personal information when required by law, court order, or government regulation. This includes situations where disclosure is necessary to protect our rights, prevent fraud, ensure platform security, or comply with law enforcement requests made through proper legal channels.

4. Data Security and Protection

Protecting your personal information is a top priority for our organization. We implement comprehensive security measures including encryption, secure servers, regular security audits, and access controls. Our systems are designed to protect against unauthorized access, data breaches, and other security threats.

5. Your Privacy Rights

Under Canadian privacy legislation, you have specific rights regarding your personal information. You can request access to the personal data we hold about you, ask for corrections to inaccurate information, and request deletion of your data in certain circumstances. You also have the right to withdraw consent for certain uses of your information.

• Access: Request a copy of the personal information we hold about you
• Correction: Ask us to correct or update inaccurate personal information
• Deletion: Request deletion of your personal data, subject to legal requirements
• Portability: Receive your data in a commonly used, machine-readable format
• Objection: Object to certain processing activities, including marketing communications
• Withdrawal of consent: Withdraw consent for data processing where consent is the legal basis

6. Data Retention

We retain your personal information for as long as necessary to provide our educational services and comply with our legal obligations. Course progress data and certificates may be maintained for extended periods to support your ongoing professional development. Account information is typically retained for seven years after account closure, unless you request earlier deletion.

7. Cookies and Tracking Technologies

Our platform uses cookies and similar technologies to enhance your learning experience. Essential cookies are necessary for basic platform functionality, while analytics cookies help us understand how users interact with our content. You can control cookie settings through your browser preferences, though this may affect certain platform features.

8. International Data Transfers

While our primary operations are based in Canada, some of our service providers may be located in other countries. When we transfer personal information internationally, we ensure appropriate safeguards are in place to protect your data according to Canadian privacy standards. We work only with providers who meet our strict privacy and security requirements.

9. Changes to This Policy

We may update this privacy policy from time to time 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. We encourage you to review this policy periodically to stay informed about how we protect your information.

10. Contact Information

Our privacy team is available to address your questions, help you exercise your privacy rights, or discuss any concerns you may have about how we handle your personal information. We're committed to responding to all privacy inquiries within 30 days and working with you to resolve any issues.