Introduction

At Contemporex Hub, we understand that your privacy matters. This policy explains how we collect, use, and protect your personal information when you visit our website or use our budget literacy services. We're committed to being transparent about our practices and giving you control over your data.

This privacy policy applies to all services offered by Contemporex Hub, including our educational resources, financial literacy courses, and community features. By using our services, you're agreeing to the practices described in this policy.

Information We Collect

Personal Information

We collect information that you voluntarily provide to us, such as when you create an account, enroll in our programs, or contact us for support. This typically includes:

• Your name and email address for account creation and communication
• Contact information including phone number and mailing address when provided
• Educational background and financial goals to personalize your learning experience
• Payment information for course enrollment (processed securely through our payment partners)
• Communication preferences and feedback you share with us

Technical Information

Like most websites, we automatically collect certain technical information to improve our services and understand how our platform is being used:

Data Type	Purpose	Retention Period
IP addresses and device information	Security and analytics	12 months
Browser type and version	Compatibility optimization	6 months
Page views and session duration	Content improvement	24 months
Cookies and similar technologies	User experience personalization	Varies by cookie type

How We Use Your Information

We use the information we collect to provide you with the best possible learning experience and to improve our services. Here's how we put your data to work:

1. To deliver our educational content and track your progress through courses and modules
2. To send you important updates about your account, course changes, and new learning opportunities
3. To provide customer support when you need help with our platform or courses
4. To analyze how our website and courses are being used so we can make improvements
5. To comply with legal requirements under Canadian privacy laws and financial education regulations
6. To prevent fraud and maintain the security of our platform

Information Sharing and Disclosure

We don't sell your personal information to third parties. However, we may share your information in specific circumstances:

Service Providers

We work with trusted companies that help us operate our platform. These include payment processors, email service providers, and analytics companies. All service providers are required to protect your information and use it only for the services they provide to us.

Legal Requirements

We may disclose your information if required by law, such as in response to a court order or government request. We may also share information to protect our rights, prevent fraud, or ensure the safety of our users.

Business Transfers

If Contemporex Hub is acquired by or merged with another company, your information may be transferred as part of that transaction. We'll notify you before any such transfer occurs.

Your Privacy Rights Under Canadian Law

As a Canadian organization, we comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws. You have several important rights regarding your personal information:

• The right to know what personal information we have about you
• The right to access your personal information and receive a copy
• The right to correct any inaccurate information we have
• The right to request deletion of your personal information in certain circumstances
• The right to withdraw consent for processing your information
• The right to file a complaint with the Privacy Commissioner of Canada

To exercise any of these rights, please contact us using the information provided below. We'll respond to your request within 30 days as required by Canadian privacy law.

Data Security and Protection

We take the security of your personal information seriously and use industry-standard measures to protect it. Our security practices include:

• Encryption of sensitive data both in transit and at rest using advanced encryption standards
• Regular security audits and vulnerability assessments of our systems
• Limited access to personal information on a need-to-know basis
• Secure data centers with physical and digital access controls
• Regular training for our staff on privacy and security best practices

While we implement strong security measures, no system is 100% secure. If we become aware of any security incident that affects your personal information, we'll notify you and relevant authorities as required by law.

Cookies and Tracking Technologies

We use cookies and similar technologies to improve your experience on our website. Cookies are small files that are stored on your device when you visit our site. We use different types of cookies for various purposes:

• Essential cookies that are necessary for the website to function properly
• Performance cookies that help us understand how visitors use our site
• Functional cookies that remember your preferences and settings
• Targeting cookies that may be used to show you relevant content (only with your consent)

You can control cookie settings through your browser preferences. However, disabling certain cookies may affect the functionality of our website.

Data Retention

We keep your personal information only as long as necessary to provide our services and comply with legal requirements. Different types of information are retained for different periods:

• Account information: Retained while your account is active and for 7 years after closure for legal compliance
• Course progress and certificates: Retained for 10 years to maintain educational records
• Payment information: Retained for 7 years for tax and accounting purposes
• Marketing communications data: Retained until you unsubscribe or for 3 years of inactivity
• Website analytics data: Typically retained for 2 years for analysis purposes

International Data Transfers

While we primarily store and process your information within Canada, some of our service providers may be located in other countries, including the United States. When we transfer your information internationally, we ensure appropriate safeguards are in place to protect your privacy rights.

We only work with service providers who provide adequate protection for personal information and have appropriate data processing agreements in place.

Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make changes, we'll update the effective date at the top of this policy and notify you through email or a notice on our website.

We encourage you to review this policy periodically to stay informed about how we protect your information. Significant changes will be communicated with at least 30 days' notice.