1. Who We Are

Edunancial (“Edunancial,” “we,” “us,” or “our”) is a financial literacy and competency education platform serving individuals, families, entrepreneurs, and business owners across North America, including the United States and Canada.

Our platform is available at www.edunancial.com. For privacy questions or data requests, contact us at: privacy@edunancial.com.

2. Information We Collect

We collect information you provide directly and information generated through your use of our platform:

Information You Provide

• Name and email address (account registration)
• Country and region/state/province of residence
• Membership and billing information (processed by our payment providers)
• Course progress and assessment responses
• Communications you send us (support requests, feedback)
• Voluntary profile information (business type, learning goals)

Automatically Collected Information

• Device type, browser, and operating system
• IP address and approximate location (country/region level)
• Pages visited, time on page, and navigation patterns
• Referring URLs
• Cookie and session identifiers (see Section 7)

3. How We Use Your Information

We use your information to:

• Create and manage your account
• Deliver courses, assessments, and educational content
• Process membership subscriptions and payments
• Send transactional emails (receipts, enrollment confirmations)
• Send educational newsletters and course updates (with your consent)
• Improve and personalize platform features
• Provide customer support
• Comply with legal obligations
• Detect and prevent fraud and security incidents

We do not use your information for automated decision-making that produces legal or similarly significant effects without human review.

4. How We Share Your Information

We never sell your personal information.

We may share information with:

• Service providers who operate under data processing agreements and are contractually prohibited from using your data for their own purposes (hosting, payment processing, email delivery, analytics)
• Legal authorities when required by law, court order, or to protect the rights and safety of our users and the public
• Business successors in the event of a merger, acquisition, or sale of assets, subject to the same privacy protections

5. Your Privacy Rights

6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide services. We also retain data as required by law or legitimate business purposes (e.g., financial records, fraud prevention). Upon account deletion request, we will delete or anonymize your personal information within 30 days, except where retention is required by law.

7. Cookies & Tracking

We use cookies and similar technologies to operate and improve our platform. Types of cookies we use:

• Strictly necessary: Required for login, security, and basic platform functionality. Cannot be disabled.
• Functional: Remember your preferences and settings.
• Analytics: Help us understand how the platform is used (aggregated, non-identifying data). Require your consent.
• Marketing: Used only with your explicit consent.

You can manage cookie preferences through our cookie settings banner or your browser settings. Disabling non-essential cookies will not affect your ability to access core platform features.

8. Data Security

We implement technical and organizational security measures appropriate to the risk, including:

• Encryption in transit (TLS) and at rest for sensitive data
• Role-based access controls — staff access only what is needed
• Regular security reviews and updates
• Third-party service providers who meet security standards
• Breach notification procedures in compliance with applicable law

In the event of a data breach affecting your personal information, we will notify affected users and relevant authorities as required by applicable law (including PIPEDA breach of security safeguards requirements and applicable US state notification laws).

9. Children’s Privacy

Our platform is not directed to children under 13 (or under 16 in Quebec). We do not knowingly collect personal information from children without verifiable parental consent. If you believe we have collected information from a child, please contact us at privacy@edunancial.com.

10. International Data Transfers

Edunancial primarily stores and processes data in the United States. If you access our platform from Canada or other jurisdictions, your data may be transferred to and processed in the US. We take steps to ensure adequate protections are in place for such transfers consistent with applicable law.

11. Changes to This Policy

We may update this Privacy Policy from time to time. When we make material changes, we will notify you by email (if we have your address) and by posting a notice on this page with an updated effective date. Continued use of our platform after the effective date constitutes acceptance of the updated policy.

12. Contact Us

For privacy questions, data access requests, or to exercise your rights: