1. Information We Collect

When you interact with oleraolryum, we collect different types of information depending on how you use our services. Here's what we gather and why:

Personal Information You Provide

• Account Information: Your name, email address, phone number, and mailing address when you create an account or enroll in our programs
• Payment Details: Billing information processed through secure third-party payment processors (we never store complete credit card numbers)
• Profile Data: Educational background, budgeting goals, and financial literacy level to personalize your learning experience
• Communication Records: Messages you send us through contact forms, emails, or support requests
• Program Participation: Assignment submissions, quiz responses, and progress tracking data

Information Collected Automatically

When you visit our website or use our educational platform, we automatically collect certain technical information:

• Device information (browser type, operating system, screen resolution)
• IP address and general location data
• Pages visited, time spent on each page, and navigation patterns
• Referral sources and search terms used to find us
• Session data and cookies for functionality and analytics

2. How We Use Your Information

We use the information we collect for specific purposes that directly support your learning experience and our service operations:

• Service Delivery: Process enrollments, provide access to course materials, track your progress, and issue certificates of completion
• Personalization: Tailor educational content to your skill level and learning goals, recommend relevant resources based on your interests
• Communication: Send course updates, respond to inquiries, provide technical support, and share important account notifications
• Improvement: Analyze usage patterns to enhance our curriculum, identify technical issues, and develop new educational features
• Marketing: Share information about new courses, special offers, and educational resources (you can opt out anytime)
• Legal Compliance: Maintain records for business purposes, comply with Canadian regulations, and protect our legal rights

We don't sell your personal information to third parties. Period. We also don't use your data for purposes unrelated to providing and improving our educational services.

3. Legal Basis for Processing (Canadian Context)

Under Canadian privacy legislation, particularly the Personal Information Protection and Electronic Documents Act (PIPEDA) and provincial privacy laws, we process your personal information based on:

• Consent: You provide explicit consent when creating an account, enrolling in courses, or submitting contact forms
• Contractual Necessity: Processing is necessary to fulfill our educational services agreement with you
• Legitimate Interests: We have legitimate business interests in improving our services, preventing fraud, and maintaining security
• Legal Obligations: We must process certain data to comply with Canadian tax laws, financial regulations, and other legal requirements

4. Information Sharing and Disclosure

We share your information only in limited circumstances with trusted parties who help us deliver our services:

Service Providers

We work with third-party companies that perform services on our behalf:

• Payment processors for secure transaction handling
• Email service providers for course communications
• Cloud hosting services for data storage and platform functionality
• Analytics providers to understand how users interact with our platform
• Customer support tools for managing inquiries and technical issues

All service providers are contractually required to protect your data and use it only for the specific services they provide to us.

Business Transfers

If oleraolryum is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We'll notify you before your data becomes subject to a different privacy policy.

Legal Requirements

We may disclose your information when required by law, such as responding to court orders, government requests, or protecting our legal rights and the safety of our users.

5. Data Retention

We keep your personal information only as long as necessary for the purposes outlined in this policy:

After the retention period expires, we securely delete or anonymize your personal information. Some data may be retained longer if required by law or for legitimate business purposes like resolving disputes.

6. Your Privacy Rights

Under Canadian privacy law, you have several important rights regarding your personal information:

Access and Correction

You can request a copy of the personal information we hold about you and ask us to correct any inaccuracies. We'll provide this information within 30 days of your request.

Data Portability

You can request your data in a commonly used electronic format so you can transfer it to another service provider.

Deletion

You can request deletion of your personal information, subject to certain exceptions (like records we're legally required to keep for tax purposes). When you delete your account, we remove your personal data within 30 days.

Withdrawal of Consent

You can withdraw consent for data processing at any time, though this may affect our ability to provide certain services.

Marketing Opt-Out

Unsubscribe from marketing emails using the link in any message, or contact us directly to opt out of all marketing communications.

How to Exercise Your Rights

To make any privacy-related request:

• Email us at support@oleraolryum.world with "Privacy Request" in the subject line
• Call us at +1 709 292 5741 during business hours
• Mail a written request to 633387 ON-10, Orangeville, ON L9W 2Y8, Canada

We'll verify your identity before processing requests and respond within 30 days. If we can't fulfill your request, we'll explain why.

7. Data Security

We implement multiple layers of security to protect your personal information from unauthorized access, alteration, or destruction:

• Encryption: All data transmitted to and from our platform uses industry-standard SSL/TLS encryption. Sensitive data at rest is also encrypted.
• Access Controls: Only authorized employees with legitimate business needs can access personal information. All access is logged and monitored.
• Infrastructure Security: Our servers are hosted in secure facilities with physical access controls, fire protection, and backup power systems.
• Regular Testing: We conduct security assessments and vulnerability testing to identify and address potential weaknesses.
• Employee Training: Staff members receive regular privacy and security training to ensure they handle data appropriately.
• Incident Response: We maintain plans to quickly detect, investigate, and respond to any data breaches.

While we take security seriously and use reasonable safeguards, no online system is completely secure. We can't guarantee absolute security, but we're committed to protecting your information and will notify you promptly if a breach affects your data.

8. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to provide functionality and improve your experience. Here's what we use and why:

Essential Cookies

These are necessary for the website to function properly. They enable core features like account login, secure transactions, and remembering your preferences. You can't opt out of these without limiting functionality.

Analytics Cookies

We use analytics tools to understand how visitors use our site, which pages are most popular, and where we can improve. This data is anonymized and aggregated.

Preference Cookies

These remember your settings and choices to provide a more personalized experience when you return to our site.

You can control cookies through your browser settings. Most browsers allow you to refuse cookies or delete existing ones, though this may affect website functionality. Our cookie preferences can be managed through your account settings.

9. Children's Privacy

Our services are designed for adults aged 18 and older. We don't knowingly collect personal information from individuals under 18 without parental consent. If we discover we've inadvertently collected data from a minor, we'll delete it promptly.

If you're a parent or guardian who believes your child has provided us with personal information, please contact us immediately so we can remove it from our systems.

10. International Data Transfers

oleraolryum primarily operates in Canada and stores data on Canadian servers. However, some of our service providers may process data in other countries, including the United States.

When we transfer data outside Canada, we ensure appropriate safeguards are in place through:

• Contractual clauses requiring equivalent privacy protection
• Service providers certified under recognized privacy frameworks
• Regular audits of third-party security practices

Countries outside Canada may have different privacy laws. By using our services, you consent to the transfer of your information to these jurisdictions under the protections described in this policy.

11. Third-Party Links

Our website may contain links to external sites, resources, or tools that we find useful for budgeting education. These third-party sites have their own privacy policies, which we don't control.

We're not responsible for the privacy practices or content of external websites. We encourage you to review the privacy policy of any site you visit through our links before providing personal information.

12. Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we'll notify you by:

• Sending an email to the address associated with your account
• Displaying a prominent notice on our website
• Requesting your consent if required by law

We encourage you to review this policy periodically. The "Last Updated" date at the top indicates when changes were last made. Your continued use of our services after updates means you accept the revised policy.

13. Complaints and Concerns

If you have concerns about how we handle your personal information, we want to hear about it. Start by contacting us directly - we'll do our best to resolve the issue quickly.

If you're not satisfied with our response, you have the right to file a complaint with:

You may also have the right to contact your provincial privacy commissioner depending on where you live in Canada.