Privacy Policy

This Privacy Policy describes how CashFlow Envelope collects, uses, and protects your personal information. We are committed to safeguarding your privacy and handling your data responsibly. This policy explains what information we gather, how we use it, your rights, and how to contact us with any concerns.

Who We Are

We operate a digital course platform focused on envelope budgeting and cash flow tracking for young professionals in Ottawa and beyond. As the data controller, we are responsible for how your personal information is collected, processed, and stored. We take this responsibility seriously and maintain appropriate safeguards to protect your data from unauthorized access or misuse.

Information We Collect

We collect information in several ways:

• Registration Data: When you create an account, we collect your name, email address, password, and location (Ottawa area).
• Course Enrollment: We track which courses you enroll in and your progress through course materials.
• Contact Form Submissions: When you reach out with questions or feedback, we collect your message and any personal details you provide.
• Usage Analytics: We automatically collect information about how you interact with our platform, including pages visited, time spent, and features used.
• Cookies and Similar Technologies: We use cookies to enhance your browsing experience, remember your preferences, and understand how you use our services.

Legal Basis for Processing

We process your personal information based on several legal grounds:

• Consent: We process data you explicitly provide when registering or submitting contact forms.
• Legitimate Interest: We analyze usage patterns to improve our course content and user experience.
• Legal Obligation: We may process information to comply with applicable Canadian laws and regulations.
• Performance of Contract: We process data necessary to deliver our course services and maintain your account.

How We Use Your Information

We use the information we collect for the following purposes:

• Providing and improving our envelope budgeting course platform
• Personalizing your learning experience and course recommendations
• Sending you course updates, newsletters, and educational content (with your consent)
• Responding to your inquiries and providing customer support
• Analyzing usage data to enhance platform functionality and user interface
• Detecting and preventing fraud or unauthorized access
• Complying with legal obligations and protecting our rights

Data Retention

We retain your personal information for specific periods based on the purpose of processing:

• Contact Form Messages: Retained for up to 24 months after your last interaction with us, then securely deleted.
• Course Account Data: Retained for the duration of your active enrollment and up to 36 months after account closure for legal and tax purposes.
• Analytics and Cookie Data: Retained for up to 12 months to track usage patterns and improve our platform.
• Server Logs: Retained for up to 12 months for security and troubleshooting purposes.
• Email Communications: Retained for up to 24 months unless you request deletion sooner.

After the retention period expires, we securely delete or anonymize your information. If you request deletion of your account, we will remove your data within 30 days, except where we are legally required to retain it.

Your Rights

Under Canadian privacy laws, you have the following rights:

• Right to Access: You can request a copy of the personal information we hold about you.
• Right to Correction: You can request that we correct any inaccurate or incomplete information.
• Right to Deletion: You can request deletion of your personal data, subject to legal retention requirements.
• Right to Opt-Out: You can unsubscribe from marketing communications at any time by clicking the unsubscribe link in our emails.
• Right to Withdraw Consent: If we process data based on your consent, you can withdraw it at any time.
• Right to Lodge a Complaint: You have the right to file a complaint with the Office of the Privacy Commissioner of Canada (OPC) if you believe we have violated your privacy rights.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform. Cookies are small files stored on your device that help us remember your preferences, track your progress through courses, and understand how you use our services. We use both session cookies (temporary) and persistent cookies (longer-lasting). You can control cookie settings through your browser preferences, though disabling cookies may limit some platform features. For detailed information about our cookie usage, please refer to our Cookie Policy.

Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our platform uses encryption protocols, secure servers, and regular security audits. However, no method of transmission over the internet is completely secure. While we strive to protect your data, we cannot guarantee absolute security. If you believe your information has been compromised, please contact us immediately so we can investigate and respond appropriately.

Third-Party Services

We may use third-party service providers to support our operations, including payment processors, email services, and analytics platforms. These providers are contractually obligated to use your information only as necessary to provide services to us and to maintain the confidentiality and security of your data. We carefully select partners who meet our privacy and security standards. We do not sell, rent, or share your personal information with third parties for marketing purposes without your explicit consent.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will notify you by updating the "Last updated" date at the top of this page and, if the changes are significant, by sending you an email notification. Your continued use of our platform after such modifications constitutes your acceptance of the updated policy. We encourage you to review this policy regularly to stay informed about how we protect your information.