Privacy Policy
Your privacy matters to us. This policy explains how skendavaloru collects, uses, and protects your personal information when you use our budget foundations platform.
Information We Collect
When you use skendavaloru's budget foundations platform, we collect information that helps us provide better financial education services. This includes personal details you provide directly and information we gather automatically through your interactions with our platform.
Personal Information You Provide
- Account registration details including name, email address, and contact information
- Financial goals and budget preferences you share during onboarding
- Communication preferences and feedback you provide about our services
- Support requests and correspondence with our customer service team
- Profile information including learning preferences and financial experience level
Automatically Collected Information
Our platform automatically collects certain technical information to improve your experience and ensure security. This includes device information, browser type, IP address, and usage patterns within our educational modules.
We use cookies and similar technologies to remember your preferences, analyze platform usage, and personalize your learning experience. You can manage cookie preferences through your browser settings at any time.
How We Use Your Information
skendavaloru uses your information to deliver personalized financial education and improve our budget foundations platform. Every piece of data we collect serves a specific purpose in enhancing your learning experience.
- Customizing your learning path based on financial goals and experience level
- Sending educational content, course updates, and platform notifications
- Analyzing platform usage to identify areas for improvement and new feature development
- Providing customer support and responding to your inquiries promptly
- Ensuring platform security and preventing unauthorized access
- Conducting research to enhance our educational methodology
We also use aggregated, anonymous data to understand learning patterns and improve our curriculum. This helps us create more effective financial education content while protecting individual privacy.
Information Sharing and Disclosure
skendavaloru takes a conservative approach to sharing your personal information. We only share data when necessary to provide our services or when required by law.
Service Providers
We work with trusted third-party service providers who help us operate the platform. These include hosting services, email delivery systems, and analytics tools. All service providers are bound by strict confidentiality agreements and can only use your information for specified purposes.
Legal Requirements
We may disclose your information if required by Canadian law, court order, or government regulation. This includes situations where disclosure is necessary to protect the rights, property, or safety of skendavaloru, our users, or the public.
We will never sell your personal information to third parties for marketing purposes. Your financial education journey and personal data remain confidential within the skendavaloru platform ecosystem.
Data Security and Protection
Protecting your personal information is fundamental to our operations. skendavaloru implements multiple layers of security to safeguard your data against unauthorized access, alteration, or disclosure.
- Industry-standard encryption for data transmission and storage
- Regular security audits and vulnerability assessments
- Access controls limiting data access to authorized personnel only
- Secure backup systems to prevent data loss
- Employee training on data privacy and security best practices
- Incident response procedures for potential security breaches
While we implement robust security measures, no system is completely immune to risks. We continuously monitor and update our security practices to address emerging threats and maintain the highest protection standards for your information.
Your Privacy Rights
As a skendavaloru user, you have significant control over your personal information. We respect your privacy rights and provide multiple ways to manage your data.
Access and Control
- Access your personal information and see how it's being used
- Update or correct inaccurate information in your account
- Download a copy of your personal data in a portable format
- Request deletion of your account and associated personal information
- Opt out of non-essential communications and marketing messages
- Restrict certain types of data processing
Exercising Your Rights
To exercise any of these rights, contact our privacy team using the information provided below. We'll respond to your request within 30 days and verify your identity before processing any changes to protect your account security.
If you're not satisfied with how we handle your privacy concerns, you have the right to file a complaint with the Office of the Privacy Commissioner of Canada or your provincial privacy authority.
Data Retention and Deletion
skendavaloru retains your personal information only as long as necessary to provide our services and meet legal obligations. Our retention practices balance your privacy rights with operational needs.
Retention Periods
- Account information: Retained while your account is active plus 3 years after closure
- Learning progress data: Kept for 5 years to support educational continuity
- Support communications: Retained for 2 years for quality assurance
- Financial goal data: Deleted within 1 year of account closure
- Technical logs: Automatically deleted after 12 months
When retention periods expire, we securely delete your information using industry-standard data destruction methods. Some information may be retained longer if required by Canadian financial regulations or ongoing legal proceedings.
Children's Privacy
skendavaloru's budget foundations platform is designed for adults and individuals who can legally enter into financial agreements. We do not knowingly collect personal information from children under 18 years of age.
If we discover that we've inadvertently collected information from someone under 18, we'll delete that information immediately. Parents or guardians who believe their child has provided personal information to skendavaloru should contact us right away.
For users between 16-18 years old interested in financial education, we recommend parental guidance and involvement in the learning process. Family financial literacy can benefit everyone in the household.
International Data Transfers
skendavaloru primarily operates within Canada, but some of our service providers may process data outside Canadian borders. When this occurs, we ensure appropriate safeguards protect your information.
All international data transfers comply with Canadian privacy laws and include contractual protections equivalent to those provided under Canadian privacy legislation. We regularly review our service providers' privacy practices to maintain consistent protection standards.
Policy Updates and Changes
We may update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you through email or prominent notices on our platform.
Minor updates that don't materially affect your rights will be posted on our website with an updated effective date. We encourage you to review this policy regularly to stay informed about how we protect your privacy.
Your continued use of skendavaloru after policy updates indicates your acceptance of the revised terms. If you disagree with any changes, you can close your account and request data deletion.
Contact Our Privacy Team
If you have questions about this privacy policy or how we handle your personal information, our privacy team is here to help. We're committed to transparency and addressing your concerns promptly.
Email: info@skendavaloru.com
Phone: +1 (418) 724-3560
Mail: skendavaloru Privacy Team
7435 19th Sideroad, Schomberg, ON L0G 1T0, Canada
This Privacy Policy is effective as of January 15, 2025