Privacy Policy
Last Updated: January 15, 2025
At Flunkm Xurmr, we take your privacy seriously. This policy explains how we collect, use, and protect your personal information when you use our investment terminology education platform. We're committed to transparency and giving you control over your data.
Questions about this policy? Reach us at [email protected] or call +1 613-261-4429
Information We Collect
We collect different types of information depending on how you interact with our platform. Some of this comes directly from you, while other data gets collected automatically as you navigate through our learning materials.
Information You Provide Directly
- Account registration details including your name, email address, and phone number when you create a learning account
- Payment information when you enroll in premium courses, though we don't store full credit card numbers on our servers
- Learning preferences and goals you share to help us customize your educational experience
- Messages you send through our contact forms or support channels
- Survey responses and feedback about course content when you choose to participate
Automatically Collected Data
Our platform collects certain technical information to function properly and improve your experience. This happens in the background without requiring any action from you.
- Device information like your browser type, operating system, and screen resolution
- IP address and general location data (city and province level, not your exact address)
- Course progress tracking including which modules you've completed and time spent on each section
- Interaction patterns such as which resources you download or bookmark
- Performance data about page load times and technical errors you might encounter
How We Use Your Information
Your data serves specific purposes that directly benefit your learning experience. We don't collect information just for the sake of it — everything we gather has a practical application.
| Purpose | How We Use Your Data |
|---|---|
| Course Delivery | Providing access to learning materials, tracking your progress, and issuing completion certificates |
| Communication | Sending course updates, responding to support requests, and notifying you about new educational content |
| Platform Improvement | Analyzing usage patterns to enhance course content and fix technical issues |
| Personalization | Recommending relevant courses based on your learning history and stated interests |
| Legal Compliance | Meeting our obligations under Canadian privacy laws and maintaining transaction records |
We will never sell your personal information to third parties. Your data stays within our educational ecosystem and with trusted service providers who help us operate the platform.
Data Sharing and Third Parties
Running an online education platform requires working with specialized service providers. Here's who might access your information and why.
Service Providers We Work With
- Payment processors who handle transactions securely (they see billing information but not your learning data)
- Email service providers that deliver course notifications and support responses
- Cloud hosting companies where our platform and your data are stored with encryption
- Analytics tools that help us understand how people use different course features
- Customer support software that lets us respond to your questions efficiently
Each of these providers signs contracts with us that limit how they can use your information. They're only allowed to process data for the specific services they provide to Flunkm Xurmr.
When We Might Share Data
Beyond our regular service providers, there are limited situations where we might need to share your information:
- If required by Canadian law or in response to valid legal requests from authorities
- To protect the safety of our users or prevent fraud on the platform
- If our company structure changes through a merger or acquisition (you'd be notified in advance)
- With your explicit consent for specific purposes you've approved
Your Privacy Rights
Canadian privacy law gives you several important rights regarding your personal information. We've made it straightforward to exercise these rights.
Access Your Data
Request a copy of all personal information we hold about you, including your learning history and account details.
Correct Inaccuracies
Update or fix any incorrect information in your profile or learning records at any time through your account settings.
Delete Your Account
Request complete deletion of your account and associated data, subject to legal retention requirements for transaction records.
Limit Processing
Restrict how we use certain types of your data, such as opting out of promotional emails while keeping course notifications.
Data Portability
Receive your learning data in a portable format that you can transfer to another educational platform if you choose.
Withdraw Consent
Change your mind about optional data processing activities like personalized course recommendations.
To exercise any of these rights, email us at [email protected] with your request. We'll respond within 30 days and verify your identity before processing the request.
Data Security and Protection
We employ multiple layers of security to protect your information from unauthorized access, loss, or misuse. Security isn't just a checkbox for us — it's an ongoing commitment.
Technical Safeguards
- All data transmission uses TLS encryption (the same technology banks use for online banking)
- Passwords are hashed using industry-standard algorithms — we never store them in plain text
- Regular security audits and vulnerability testing by third-party specialists
- Automated backup systems with encrypted storage in geographically separate locations
- Strict access controls limiting which employees can view personal information
Organizational Measures
Beyond technology, we maintain security through policies and training. Our team members sign confidentiality agreements and receive regular privacy training. We also maintain detailed logs of who accesses what data and when.
That said, no system is completely immune to security breaches. If we ever experience a data incident affecting your information, we'll notify you promptly and explain what happened, what data was involved, and what steps we're taking.
Data Retention Periods
We don't keep your information forever. Different types of data have different retention periods based on legal requirements and practical needs.
| Data Type | Retention Period |
|---|---|
| Account Information | Until you request deletion, plus 30 days for backup removal |
| Course Progress Data | Maintained while your account is active, deleted with account closure |
| Payment Records | 7 years from transaction date (required by Canadian tax law) |
| Support Communications | 3 years from last interaction for quality improvement purposes |
| Analytics Data | Aggregated after 18 months (no longer linked to your identity) |
After these periods expire, we either delete the data permanently or anonymize it so it can't be traced back to you. Anonymized data might be kept longer for statistical analysis and platform improvement.
Cookies and Tracking Technologies
Like most websites, we use cookies and similar technologies. These small files help the platform remember your preferences and function properly.
Types of Cookies We Use
- Essential Cookies: Required for basic functions like logging in and navigating between course modules. You can't opt out of these without breaking the platform.
- Preference Cookies: Remember settings like your language choice or course display preferences.
- Analytics Cookies: Help us understand which courses are popular and where people get stuck in the learning materials.
- Performance Cookies: Monitor technical performance so we can identify and fix slowdowns or errors.
You can manage cookie preferences through your browser settings. Keep in mind that blocking certain cookies might affect how well the platform works for you. Most browsers also offer private browsing modes that don't save cookies between sessions.
Children's Privacy
Our platform is designed for adults interested in investment terminology education. We don't knowingly collect information from anyone under 16 years old. If you're a parent and believe your child has created an account, please contact us immediately and we'll delete it.
Young people aged 16-18 can use the platform but we recommend they do so with parental guidance, especially when it comes to understanding complex financial concepts.
International Data Considerations
While we primarily serve Canadian users, our platform is accessible globally. Your data is stored on servers located in Canada and subject to Canadian privacy laws, which are among the strongest in the world.
If you're accessing our platform from outside Canada, please understand that your information will be transferred to and processed in Canada. By using our services, you consent to this transfer. We ensure that any international data transfers meet equivalent privacy standards through contractual protections.
Changes to This Policy
Privacy regulations evolve and our platform grows, so this policy might change over time. When we make significant updates, we'll notify you through email or a prominent notice on the platform at least 30 days before the changes take effect.
Minor clarifications or additions might not trigger notifications, but we'll always update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically, especially before sharing new types of information with us.
If you disagree with any changes, you can close your account before they take effect. Continuing to use the platform after changes go live means you accept the updated terms.
Complaints and Regulatory Oversight
We hope to resolve any privacy concerns directly with you, but you also have the right to file a complaint with Canada's privacy regulatory authorities if you believe we've mishandled your information.
For federal matters, you can contact the Office of the Privacy Commissioner of Canada. If you're in Ontario, the Information and Privacy Commissioner of Ontario handles provincial privacy issues. These regulators can investigate complaints and enforce privacy law compliance.
Before escalating to a regulator, we'd appreciate the chance to address your concerns directly. Many issues can be resolved through simple communication.