Introduction and Scope

trilovira operates as an educational platform focused on financial research methods. We're based in Edmonton, Alberta, and we take your privacy seriously. This document explains how we collect, use, and protect information when you interact with our services.

This policy applies to anyone who visits trilovira.world, enrolls in our programs, or communicates with us through any channel. When we say "personal information," we mean data that can identify you as an individual under Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).

Information We Collect

We collect different types of information depending on how you interact with us. Let me break this down into categories that actually make sense.

Information You Give Us Directly

When you sign up for our learning programs or contact us, you provide information like your name, email address, phone number, and sometimes your educational background. If you enroll in a paid program, we'll also need payment details—though we don't store full credit card numbers ourselves.

Information We Collect Automatically

Like most websites, we automatically gather technical data when you visit. This includes your IP address, browser type, device information, and which pages you view. We use standard web technologies like cookies to remember your preferences and understand how people use our site.

Information From Other Sources

Occasionally, we receive information from third parties. For example, if you register through a partner institution or use a social login option, we'll get basic profile data from that service.

How We Use Your Information

We're not in the business of collecting data for its own sake. Here's what we actually do with the information we gather:

• Deliver the educational services you signed up for, including sending course materials and tracking your progress
• Communicate about program updates, schedule changes, or new offerings that might interest you
• Process payments and maintain accurate financial records
• Improve our teaching methods by analyzing which materials work best and where students struggle
• Respond to your questions and provide support when you need it
• Meet legal obligations, like tax reporting or responding to lawful requests from authorities
• Protect against fraud and ensure the security of our platform

We base our data processing on several legal grounds under PIPEDA: your consent (which you can withdraw), contractual necessity (we need certain information to deliver our services), legitimate interests (like preventing fraud), and legal compliance.

Data Sharing and Third Parties

We don't sell your personal information to anyone. Period. But we do share data with certain service providers who help us run our business:

All these third parties are bound by confidentiality agreements and can only use your data for the specific purposes we've authorized. We choose service providers carefully and require them to maintain appropriate security measures.

We might also disclose information if required by law, such as responding to a court order or protecting someone's safety in an emergency situation.

Your Privacy Rights Under Canadian Law

PIPEDA gives you significant control over your personal information. You have the right to:

• Access: Request a copy of the personal information we hold about you
• Correction: Ask us to fix any inaccurate or incomplete data
• Withdrawal of Consent: Stop us from using your information for certain purposes (though this might affect our ability to provide services)
• Deletion: Request that we delete your data, subject to legal retention requirements
• Complaint: File a complaint with the Office of the Privacy Commissioner of Canada if you believe we've mishandled your information

Data Security Measures

We protect your information using industry-standard security practices. Our approach includes both technical and organizational measures:

All data transmitted between your browser and our servers is encrypted using TLS (Transport Layer Security). We store sensitive information in encrypted databases with restricted access. Only employees who need specific data to perform their jobs can access it, and they're all bound by confidentiality obligations.

We regularly update our systems, monitor for suspicious activity, and conduct periodic security assessments. Payment information is handled according to PCI DSS standards, and we never store full credit card details on our servers.

That said, no system is completely bulletproof. While we work hard to protect your data, we can't guarantee absolute security. If we discover a breach that affects your information, we'll notify you and the relevant authorities as required by Canadian law.

Data Retention and Deletion

We keep your information only as long as necessary for the purposes we collected it. Here's roughly how long we retain different types of data:

• Active Student Records: Duration of enrollment plus 3 years (for transcript requests and program verification)
• Financial Records: 7 years from the transaction date (tax and accounting requirements)
• Marketing Communications: Until you unsubscribe or 2 years of inactivity
• Website Analytics: Typically 26 months in aggregated form
• Support Correspondence: 3 years from the last interaction

After these periods, we either delete your data or anonymize it so it can no longer identify you. Some information must be retained longer for legal reasons—for example, if it's relevant to an ongoing dispute or investigation.

You can request deletion of your data before these retention periods end, though we might need to keep certain records to comply with legal obligations or resolve disputes.

Cookies and Tracking Technologies

We use cookies—small text files stored on your device—to make our site work properly and understand how people use it. Most cookies we use are "session cookies" that expire when you close your browser. Others are "persistent cookies" that stay on your device longer.

Types of Cookies We Use

Essential Cookies: These are necessary for basic site functions like remembering your login status or items in a shopping cart. You can't opt out of these without breaking the site.

Analytics Cookies: These help us understand which pages people visit most and how they navigate our site. The data is usually aggregated and anonymized.

Preference Cookies: These remember your choices, like language preference or whether you've dismissed certain notices.

You can control cookies through your browser settings. Just know that blocking all cookies might prevent some features from working properly. Most browsers let you view and delete cookies, and you can set them to ask for permission before accepting new ones.

International Data Transfers

Our servers are primarily located in Canada, but some of our service providers operate in other countries, including the United States. When we transfer data outside Canada, we ensure appropriate safeguards are in place.

For transfers to countries without adequate privacy protections, we use standard contractual clauses or other mechanisms approved by Canadian authorities. Be aware that data protection laws in other countries might differ from Canadian standards, and foreign governments might have different data access powers.

Children's Privacy

Our programs are designed for adults and we don't knowingly collect information from anyone under 16 without parental consent. If you're under 16 and interested in our programs, please have a parent or guardian contact us.

If we discover we've accidentally collected data from a child without proper consent, we'll delete it promptly.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our website.

The "Last Updated" date at the top shows when we last revised this document. We encourage you to review it periodically, especially before providing new information or using new features.

Additional Information for Quebec Residents

If you're in Quebec, you have additional rights under the Act Respecting the Protection of Personal Information in the Private Sector. This includes the right to have your file kept confidential and to know why a request for information was denied.

Quebec residents can also file complaints with the Commission d'accès à l'information du Québec regarding privacy concerns.