Introduction and Scope

solaventhira ("we," "our," or "us") operates solaventhira.world and provides budget optimization services to individuals across Canada. This privacy policy explains how we collect, use, protect, and manage your personal information when you interact with our platform, subscribe to our services, or participate in our learning programs.

We're committed to transparency about our data practices. This policy applies to all users of our website, subscribers to our services, and participants in our educational programs. By using our services, you agree to the collection and use of information as described in this policy.

Information We Collect

• Contact information including name, email address, phone number, and mailing address
• Account credentials when you create a profile on our platform
• Financial information relevant to budget optimization services (income ranges, expense categories, financial goals)
• Communication preferences and subscription settings
• Feedback, questions, and correspondence you send to us

• Device information including IP address, browser type, operating system
• Usage data such as pages visited, time spent on our site, click patterns
• Location information based on IP address for service customization
• Cookies and similar tracking technologies for site functionality and analytics

How We Use Your Information

We use collected information to provide and improve our budget optimization services. Your personal data helps us customize financial education content, track your learning progress, and send relevant updates about new features or educational resources.

• Delivering personalized budget optimization recommendations
• Processing your enrollment in learning programs scheduled for fall 2025 and winter 2026
• Sending educational newsletters and financial literacy resources
• Improving our website functionality and user experience
• Analyzing usage patterns to enhance our services
• Complying with legal obligations under Canadian privacy laws

Information Sharing and Disclosure

We don't sell your personal information to third parties. However, we may share information in specific circumstances to provide our services effectively or comply with legal requirements.

We work with trusted third-party service providers who help us operate our platform, process payments, send communications, and analyze website usage. These providers are contractually required to protect your information and use it only for specified purposes.

We may disclose your information when required by Canadian law, court order, or government regulation. This includes compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and provincial privacy legislation.

Your Privacy Rights

Under Canadian privacy laws, you have several rights regarding your personal information. We're committed to honoring these rights and making it easy for you to exercise them.

• Access: Request a copy of the personal information we hold about you
• Correction: Update or correct inaccurate personal information
• Deletion: Request deletion of your personal information, subject to legal retention requirements
• Withdrawal: Withdraw consent for specific uses of your information
• Portability: Receive your personal information in a portable format
• Objection: Object to certain processing activities

Data Security and Protection

We implement comprehensive security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security practices include encryption, secure data transmission, access controls, and regular security assessments.

• SSL encryption for all data transmission
• Secure servers with regular security updates
• Multi-factor authentication for administrative access
• Regular security audits and vulnerability assessments
• Data backup and disaster recovery procedures

Data Retention

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, or resolve disputes. Retention periods vary depending on the type of information and how it's used.

• Account information: Retained while your account is active and for 2 years after closure
• Financial data: Retained for 7 years to comply with Canadian financial regulations
• Communication records: Retained for 3 years for customer service purposes
• Website analytics: Aggregated data retained indefinitely, personal identifiers removed after 26 months

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience, remember your preferences, and analyze how our site is used. You can control cookie settings through your browser, though some features may not function properly if cookies are disabled.

• Essential cookies for basic site functionality
• Preference cookies to remember your settings
• Analytics cookies to understand site usage
• Marketing cookies for relevant content delivery

International Data Transfers

While we primarily store and process data within Canada, some of our service providers may transfer data internationally. When this occurs, we ensure appropriate safeguards are in place to protect your information according to Canadian privacy standards.

Children's Privacy

Our services are designed for adults and we don't knowingly collect personal information from children under 16. If we become aware that we've collected information from a child without appropriate consent, we'll take steps to delete that information promptly.

Changes to This Policy

We may update this privacy policy periodically to reflect changes in our practices or legal requirements. Significant changes will be communicated through email notification or prominent website notices. The effective date at the top of this policy indicates when it was last updated.