Introduction and Scope

zephoralinto ("we," "our," or "us") operates zephoralinto.world and provides financial education services throughout Canada. This privacy policy explains how we collect, use, disclose, and protect your personal information when you interact with our platform, enroll in our programs, or communicate with our team.

This policy applies to all personal information we collect through our website, educational programs, customer service interactions, and any other touchpoints where you engage with zephoralinto services. We're committed to transparency about our data practices and your rights under Canadian privacy laws.

Information We Collect

We collect different types of information depending on how you interact with our services. Understanding what we collect helps you make informed decisions about sharing your information with us.

How We Use Your Information

Information Sharing and Disclosure

We don't sell your personal information to third parties. However, we may share your information in specific circumstances that are essential for our business operations and your educational experience.

In rare cases, we may disclose information to comply with legal requirements, respond to court orders, protect our rights and property, or prevent fraud and illegal activities. We may also share information in connection with business transfers, mergers, or acquisitions, but only after ensuring your privacy rights remain protected.

Your Privacy Rights

Under Canadian privacy laws, including PIPEDA (Personal Information Protection and Electronic Documents Act), you have several important rights regarding your personal information. We're committed to helping you exercise these rights effectively.

Data Security and Protection

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our security practices include technical, administrative, and physical safeguards appropriate to the sensitivity of the information we handle.

Our security measures include encrypted data transmission, secure server environments, regular security assessments, employee training on privacy practices, and access controls that limit who can view your information. We also maintain incident response procedures to address any potential data breaches promptly and transparently.

Data Retention

We keep your personal information only as long as necessary to fulfill the purposes for which it was collected, comply with legal requirements, resolve disputes, and enforce our agreements. Different types of information have different retention periods based on their purpose and legal requirements.

Student records and educational progress data are typically retained for seven years after program completion to support transcript requests and career services. Marketing contact information is kept until you unsubscribe or we determine the information is no longer useful. Financial transaction records are retained according to Canadian tax and business record requirements.

When information is no longer needed, we securely delete or anonymize it according to industry best practices. Some information may be retained in anonymized form for statistical analysis and program improvement purposes.

Cookies and Website Technology

Our website uses cookies and similar technologies to enhance your browsing experience, analyze website traffic, and personalize content. Cookies are small text files stored on your device that help us remember your preferences and understand how you use our site.

We use essential cookies that are necessary for website functionality, analytical cookies to understand user behavior, and preference cookies to remember your settings. You can control cookie settings through your browser preferences, though disabling certain cookies may affect site functionality.

Third-party services integrated into our website, such as analytics providers and payment processors, may also use cookies. These third parties have their own privacy policies governing their use of cookies and data collection practices.

International Data Transfers

While zephoralinto primarily operates within Canada, some of our service providers may process your information in other countries. When we transfer personal information outside Canada, we ensure appropriate safeguards are in place to protect your privacy rights.

These safeguards include contractual protections, adequacy decisions by Canadian authorities, and certification programs that ensure foreign service providers meet Canadian privacy standards. We regularly review and audit our service providers to ensure ongoing compliance with privacy requirements.

Children's Privacy

Our financial education programs are designed for adult learners aged 18 and older. We don't knowingly collect personal information from children under 18 years of age. If we discover that we've inadvertently collected information from a minor, we'll delete it promptly.

Parents or guardians who believe their child has provided personal information to us should contact our privacy team immediately. We'll investigate the situation and take appropriate action to protect the child's privacy.

Policy Updates

We may update this privacy policy from time to time to reflect changes in our practices, legal requirements, or business operations. When we make significant changes, we'll notify you through email or prominent notices on our website before the changes take effect.

We encourage you to review this policy periodically to stay informed about how we're protecting your information. The "Last Updated" date at the top of this policy indicates when it was most recently revised. Your continued use of our services after policy changes indicates your acceptance of the updated terms.