Privacy Policy
Your privacy matters to us at serenivaloth
Effective Date: January 15, 2025
Introduction and Scope
serenivaloth ("we," "us," or "our") operates serenivaloth.com and provides financial education services. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website, enroll in our courses, or interact with our services.
This policy applies to all users accessing our platform from anywhere in the world, with specific provisions for Canadian residents under applicable privacy legislation including the Personal Information Protection and Electronic Documents Act (PIPEDA) and provincial privacy laws.
Information We Collect
Personal Information You Provide
We collect information you voluntarily provide when creating an account, enrolling in courses, or contacting us:
- Full name and contact details (email, phone, mailing address)
- Payment information and billing details
- Educational background and professional experience
- Course preferences and learning objectives
- Communications with our support team
- Survey responses and feedback
Automatically Collected Information
Our systems automatically gather certain data when you interact with our platform:
| Data Type | Examples | Purpose |
|---|---|---|
| Device Information | IP address, browser type, operating system | Security and compatibility |
| Usage Data | Page views, time spent, click patterns | Service improvement |
| Location Data | General geographic location | Content personalization |
| Learning Analytics | Course progress, quiz scores, completion rates | Educational support |
How We Use Your Information
We process your personal information for several legitimate business purposes:
Service Delivery
Providing access to courses, processing payments, sending course materials, and delivering customer support.
Communication
Sending important updates, course notifications, promotional offers (with consent), and responding to inquiries.
Platform Improvement
Analyzing usage patterns, developing new features, conducting research, and enhancing user experience.
Legal Compliance
Meeting regulatory requirements, preventing fraud, ensuring security, and protecting our legitimate interests.
Information Sharing and Disclosure
We do not sell your personal information to third parties. However, we may share your data in these specific circumstances:
Service Providers
We work with trusted third-party companies that help us operate our platform, including payment processors, email services, hosting providers, and analytics tools. These partners are contractually bound to protect your information and use it only for specified purposes.
Legal Requirements
We may disclose your information when required by law, court order, or government request, or when we believe disclosure is necessary to prevent harm, investigate potential violations, or protect our rights and safety.
Business Transfers
If serenivaloth undergoes a merger, acquisition, or sale of assets, your information may be transferred to the new entity, subject to the same privacy protections outlined in this policy.
Your Privacy Rights
Depending on your location, you may have specific rights regarding your personal information. Canadian residents have particular protections under PIPEDA and provincial privacy legislation.
Access Rights
Request copies of personal information we hold about you, including how it's being used and with whom it's shared.
Correction Rights
Update or correct inaccurate personal information in your account or request corrections to data we cannot directly modify.
Deletion Rights
Request deletion of your personal information, subject to legal and legitimate business requirements for retention.
Portability Rights
Receive your personal information in a structured, commonly used format for transfer to another service provider.
Objection Rights
Object to processing of your personal information for direct marketing purposes or other legitimate interests.
Restriction Rights
Request limitation of processing your personal information in certain circumstances while maintaining your account.
Data Security and Protection
We implement comprehensive security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction:
- Encryption: All data transmission uses SSL/TLS encryption, and sensitive data is encrypted at rest
- Access Controls: Strict authentication requirements and role-based access for our team members
- Regular Audits: Periodic security assessments and vulnerability testing of our systems
- Employee Training: Regular privacy and security training for all staff members
- Incident Response: Established procedures for detecting, reporting, and responding to security breaches
- Data Minimization: Collecting only necessary information and regularly purging outdated data
Despite these measures, no online system is completely secure. We encourage you to use strong passwords, keep your login credentials confidential, and report any suspicious activity immediately.
Data Retention and Deletion
Retention Periods
We retain your personal information only as long as necessary for the purposes outlined in this policy:
| Information Type | Retention Period | Reason |
|---|---|---|
| Account Information | Duration of relationship + 7 years | Legal and business requirements |
| Course Progress Data | Duration of relationship + 3 years | Educational record keeping |
| Payment Records | 7 years after transaction | Tax and accounting obligations |
| Marketing Communications | Until consent withdrawn | Ongoing marketing purposes |
| Support Communications | 3 years after resolution | Service improvement |
Secure Deletion
When retention periods expire or you request deletion, we securely delete your information using industry-standard data destruction methods. Some information may be retained in anonymized form for statistical purposes.
International Data Transfers
While serenivaloth is based in Canada, our service providers may process your information in other countries. When we transfer personal information outside Canada, we ensure appropriate safeguards are in place:
- Transfers only to countries with adequate privacy protection as determined by Canadian authorities
- Contractual agreements requiring equivalent privacy protection from international processors
- Regular monitoring of international processors' compliance with privacy obligations
- Documentation of all international transfers and their legal basis
Cookies and Tracking Technologies
Our website uses cookies and similar technologies to enhance your experience and understand how you interact with our platform. We use several types of cookies:
- Essential Cookies: Required for basic website functionality and cannot be disabled
- Performance Cookies: Help us understand how visitors use our site to improve performance
- Functional Cookies: Remember your preferences and personalize your experience
- Marketing Cookies: Track your activity to deliver relevant advertisements (with consent)
You can control cookies through your browser settings, though disabling certain cookies may affect website functionality. Our cookie consent tool allows you to customize your preferences for non-essential cookies.
Children's Privacy
Our services are designed for adults and we do not knowingly collect personal information from children under 16. If we discover that we have inadvertently collected information from a child under 16, we will promptly delete that information from our systems.
Parents or guardians who believe their child has provided personal information to us should contact us immediately using the information provided below.
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
- Send notification emails to registered users about material changes
- Provide prominent notice on our website for 30 days after updates
- Obtain new consent when required by applicable law
We encourage you to review this policy regularly to stay informed about how we protect your privacy. Your continued use of our services after changes take effect constitutes acceptance of the updated policy.
Contact Our Privacy Officer
serenivaloth Privacy Officer
14 Rue Massicotte
Bedford, QC J0J 1A0
Canada
Email: info@serenivaloth.com
Phone: +1 519 824 9470
We will respond to all privacy inquiries within 30 days.