Introduction and Scope

quariontivex ("we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website quariontivex.world or use our expense categorization platform services.

This policy applies to all users of our services, whether you're browsing our website, participating in our learning programs, or using our financial management tools. By accessing or using our services, you agree to the collection and use of information in accordance with this policy and applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).

Information We Collect

Personal Information You Provide

We collect personal information that you voluntarily provide to us when you register for an account, enroll in our learning programs, contact our support team, or otherwise interact with our services. This information may include:

• Full name and preferred name or nickname
• Email address and phone number for communication
• Mailing address for program materials and correspondence
• Payment information processed through secure third-party providers
• Educational background and professional experience relevant to financial learning
• Learning preferences and goals for personalized program recommendations
• Financial data you input into our expense categorization tools
• Communication history including support tickets and program feedback

Automatically Collected Information

When you visit our website or use our platform, we automatically collect certain technical information to improve our services and ensure platform security:

• Device information including browser type, operating system, and screen resolution
• IP address and approximate geographic location (city/province level)
• Website usage patterns including pages visited and time spent on each page
• Referral sources and search terms that led you to our website
• Platform interaction data to understand how you use our expense categorization features
• Error logs and performance metrics to maintain service quality

How We Use Your Information

We use your personal information for specific, legitimate purposes related to providing and improving our financial education services. Our use of your information is guided by the principles of necessity, proportionality, and transparency required under Canadian privacy law.

Primary Service Delivery

• Creating and managing your account with personalized dashboard features
• Processing enrollments in our learning programs and tracking your progress
• Providing personalized expense categorization recommendations based on your input patterns
• Delivering educational content and program materials through various communication channels
• Processing payments and managing billing for premium services
• Providing customer support and responding to your inquiries promptly

Service Improvement and Development

• Analyzing usage patterns to enhance our expense categorization algorithms
• Developing new educational content based on common learning needs and feedback
• Conducting research to improve our platform's user experience and functionality
• Testing new features and gathering feedback from selected user groups
• Maintaining platform security and preventing fraudulent activities

Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We only share your information in specific circumstances outlined below, and always in accordance with Canadian privacy laws and this policy.

Service Providers and Business Partners

We work with carefully selected third-party service providers who help us deliver our services effectively. These providers are bound by strict contractual obligations to protect your information:

• Payment processors for secure handling of billing and subscription management
• Email service providers for delivering program communications and updates
• Cloud hosting providers for secure data storage and platform infrastructure
• Analytics services to understand website usage patterns (with anonymized data)
• Customer support tools for managing and improving our service quality
• Educational content delivery platforms for hosting our learning materials

Legal Requirements and Protection

We may disclose your information when required by law or when we believe disclosure is necessary to:

• Comply with court orders, subpoenas, or other legal processes
• Respond to requests from government agencies or regulatory bodies
• Protect the rights, property, and safety of quariontivex, our users, and the public
• Prevent fraud, security breaches, or other illegal activities
• Enforce our Terms of Service or other legal agreements

In such cases, we will make reasonable efforts to notify you of the disclosure unless prohibited by law or court order, and we will only disclose the minimum amount of information necessary to satisfy the legal requirement.

Data Security and Protection

Protecting your personal information is a top priority for quariontivex. We have implemented comprehensive security measures designed to safeguard your data against unauthorized access, alteration, disclosure, or destruction.

Technical Safeguards

• End-to-end encryption for all data transmission using industry-standard TLS protocols
• Advanced encryption for data storage with regularly updated encryption keys
• Multi-factor authentication requirements for administrative access to systems
• Regular security audits and vulnerability assessments conducted by independent firms
• Intrusion detection systems and automated threat monitoring
• Secure backup systems with encrypted off-site storage
• Network segregation and firewall protection for sensitive data environments

Administrative Safeguards

• Strict access controls limiting employee access to personal information based on job requirements
• Regular privacy and security training for all staff members
• Confidentiality agreements and background checks for employees handling personal data
• Incident response procedures for rapid containment and notification of any security breaches
• Regular review and updating of security policies and procedures
• Third-party security certifications and compliance audits

Your Privacy Rights

Under Canadian privacy legislation, you have several important rights regarding your personal information. We are committed to helping you exercise these rights in a timely and effective manner.

Access and Information Rights

• Request access to all personal information we hold about you, including how it's being used
• Receive a copy of your personal information in a commonly used electronic format
• Get information about who we've shared your information with and why
• Understand the source of information we didn't collect directly from you
• Learn about our data retention policies and how long we keep different types of information

Control and Correction Rights

• Correct inaccurate or incomplete personal information in your account
• Update your communication preferences and opt out of certain types of communications
• Request deletion of your personal information, subject to legal retention requirements
• Withdraw consent for certain types of data processing where consent is the legal basis
• Request that we stop processing your information for specific purposes

How to Exercise Your Rights

To exercise any of these rights, please contact us using the information provided at the end of this policy. We will respond to your request within 30 days, as required by Canadian privacy law. For complex requests, we may extend this period by an additional 30 days with notification.

When making a request, please provide sufficient information to help us verify your identity and locate your information. This may include your full name, email address, and details about your relationship with quariontivex.

Data Retention and Deletion

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

Retention Periods by Data Type

• Account Information: Retained for the life of your account plus seven years to comply with financial record-keeping requirements
• Learning Progress and Educational Records: Kept for three years after account closure to provide transcripts and verify completion certificates
• Financial Transaction Data: Maintained for seven years as required by Canadian tax and financial regulations
• Communication Records: Support tickets and correspondence kept for two years for quality assurance and dispute resolution
• Marketing Communications: Preference data maintained until you opt out or for two years of inactivity
• Website Analytics Data: Anonymized usage statistics kept for two years for service improvement purposes

Secure Deletion Process

When information reaches the end of its retention period or when you request deletion, we securely delete it from our systems using industry-standard data destruction methods. This includes overwriting data on storage devices and physically destroying hardware when necessary.

Please note that some information may remain in backup systems for up to 90 days after deletion from our active systems, during which time it remains protected by our security measures but is not accessible for normal business operations.

International Data Transfers

While quariontivex operates primarily within Canada, some of our service providers may store or process your information outside of Canada. When this occurs, we ensure that appropriate safeguards are in place to protect your information in accordance with Canadian privacy standards.

Cross-Border Data Protection

• All international service providers must contractually commit to Canadian privacy standards or equivalent protection
• We conduct due diligence reviews of foreign service providers' privacy practices and security measures
• Data processing agreements include specific clauses for data protection, breach notification, and audit rights
• We limit international transfers to countries with adequate privacy protections or ensure equivalent safeguards
• Regular monitoring and assessment of international service providers' compliance with our privacy requirements

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our website and platform. Cookies are small data files stored on your device that help us remember your preferences and understand how you use our services.

Types of Cookies We Use

• Essential Cookies: Required for basic website functionality, account security, and service delivery
• Preference Cookies: Remember your settings and personalization choices for a better user experience
• Analytics Cookies: Help us understand website usage patterns and improve our services
• Security Cookies: Protect against fraud and maintain platform security

Managing Cookie Preferences

You can control cookie settings through your browser preferences, though disabling certain cookies may limit some website functionality. Most browsers allow you to view, delete, and block cookies from specific websites.

We do not use cookies for advertising purposes or share cookie data with advertising networks. Our cookie use is focused solely on improving your experience with our educational platform and expense categorization tools.

Children's Privacy

Our services are designed for adults and we do not knowingly collect personal information from children under 16 years of age. Our learning programs focus on personal finance management and expense categorization skills that are primarily relevant to adults managing their own finances.

If we become aware that we have collected personal information from a child under 16 without proper parental consent, we will take immediate steps to delete that information from our systems. Parents or guardians who believe their child has provided us with personal information should contact us immediately.

For users between 16 and 18 years of age in provinces where this creates additional privacy obligations, we take extra care to ensure that our communications are appropriate and that young users understand how their information is being used.

Privacy Policy Updates

We may update this Privacy Policy from time to time to reflect changes in our practices, services, or applicable laws. When we make significant changes, we will notify you through prominent notices on our website or direct communication to your registered email address.

Minor updates that don't materially affect your rights or how we handle your information may be posted without advance notice. We encourage you to review this policy periodically to stay informed about how we protect your privacy.

The "Last Updated" date at the top of this policy indicates when the most recent changes were made. Your continued use of our services after any updates constitutes acceptance of the revised policy.