Privacy Policy

Introduction and Scope

Welcome to Recovia Learn's comprehensive privacy policy. This document explains how we collect, use, protect, and share your personal information when you interact with our financial education platform at recovialearn.com. We believe transparency is essential when it comes to your data, and this policy reflects our commitment to protecting your privacy while providing valuable financial education services.

This policy applies to all users of our website, mobile applications, and related services. By using Recovia Learn, you agree to the collection and use of information in accordance with this policy. We encourage you to read this document carefully and contact us if you have any questions about how we handle your personal data.

Information We Collect

Personal Information You Provide

When you create an account, enroll in courses, or contact us, we collect information that you voluntarily provide, including:

• Full name and contact information (email address, phone number, mailing address)
• Account credentials (username and encrypted password)
• Educational background and financial learning goals
• Payment information for course purchases (processed securely through third-party providers)
• Communication preferences and course feedback
• Profile information and learning progress data

Automatically Collected Information

Our systems automatically collect certain technical information to improve your experience and ensure platform security:

• Device information (browser type, operating system, screen resolution)
• Usage data (pages visited, time spent on courses, feature interactions)
• IP address and approximate geographic location
• Cookies and similar tracking technologies
• Course completion rates and assessment results

How We Use Your Information

We use your personal information for legitimate business purposes that enhance your learning experience and ensure platform functionality. Our primary uses include:

Information Sharing and Disclosure

We do not sell your personal information to third parties. However, we may share your information in specific circumstances that support our educational mission and platform operations:

Service Providers and Business Partners

• Payment processors for secure transaction handling
• Cloud hosting providers for data storage and platform infrastructure
• Email service providers for course notifications and communications
• Analytics providers to understand user behavior and improve our services
• Customer support tools to provide efficient assistance

Legal Requirements and Safety

We may disclose your information when legally required or to protect the safety and rights of our users, including:

• Compliance with legal obligations, court orders, or government requests
• Protection against fraud, abuse, or security threats
• Enforcement of our terms of service and community guidelines
• Protection of our legal rights and those of our users

Data Security and Protection

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our security framework includes:

• Encryption: All data transmissions use industry-standard SSL/TLS encryption
  • 256-bit encryption for sensitive data at rest
  • Encrypted database storage with regular security updates
  • Secure API communications with authentication tokens
• Access Controls: Strict employee access policies and regular security training
  • Multi-factor authentication for administrative accounts
  • Role-based access permissions limiting data exposure
  • Regular access reviews and immediate revocation upon role changes
• Infrastructure Security: Secure hosting environment with continuous monitoring
  • Regular security audits and penetration testing
  • Automated threat detection and response systems
  • Backup systems with encryption and geographic distribution

Your Privacy Rights and Choices

You have significant control over your personal information and how we use it. Depending on your location, you may have the following rights:

Access and Portability Rights

• Request a copy of all personal information we hold about you
• Download your course progress and learning data in a portable format
• Receive information about how your data has been processed and shared

Correction and Update Rights

• Update your profile information and contact details at any time
• Correct inaccurate or incomplete personal information
• Modify your communication preferences and marketing consent

Deletion and Restriction Rights

• Request deletion of your account and associated personal data
• Restrict processing of your information for specific purposes
• Object to data processing based on legitimate interests

To exercise any of these rights, please contact our privacy team using the information provided below. We will respond to your request within 30 days and may require identity verification to protect your information.

Data Retention and Deletion

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, and resolve disputes. Our retention practices include:

• Active Account Data: Retained while your account remains active and for 3 years after last login
• Course Progress and Certificates: Maintained for 7 years to support transcript requests and verification
• Payment Records: Kept for 7 years in compliance with financial regulations
• Support Communications: Stored for 3 years to maintain service quality and resolve future issues
• Marketing Data: Deleted immediately upon unsubscribing or withdrawing consent

When we delete your information, we ensure complete removal from our active systems and backups within 90 days, except where longer retention is required by law or for fraud prevention purposes.

International Data Transfers

Recovia Learn operates primarily within Canada, but we may transfer your personal information to service providers located in other countries, including the United States and European Union. When we transfer data internationally, we ensure adequate protection through:

• Standard contractual clauses approved by data protection authorities
• Adequacy decisions recognizing equivalent privacy protection levels
• Certification schemes and codes of conduct for data processors
• Additional security measures for transfers to countries without adequate protection

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your browsing experience, analyze site usage, and provide personalized content. You can control cookie preferences through your browser settings, though disabling certain cookies may limit platform functionality.

Types of Cookies We Use

• Essential Cookies: Required for basic site functionality and security
• Performance Cookies: Help us understand how users interact with our platform
• Functional Cookies: Remember your preferences and personalize your experience
• Marketing Cookies: Used to deliver relevant advertisements and measure campaign effectiveness

Children's Privacy

Recovia Learn is designed for adult learners aged 18 and older. We do not knowingly collect personal information from children under 18. If we discover that a child has provided personal information, we will delete it immediately and terminate the associated account.

Parents or guardians who believe their child has provided personal information should contact us immediately using the information below.

Changes to This Privacy Policy

We may update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. When we make significant changes, we will:

• Notify you via email at least 30 days before changes take effect
• Post prominent notices on our website and learning platform
• Provide a summary of key changes and their impact on your privacy
• Update the "last modified" date at the top of this policy

We encourage you to review this policy regularly to stay informed about how we protect your information. Your continued use of Recovia Learn after policy changes indicates acceptance of the updated terms.