Spectaro

Spectaro Logo
Sherbrooke, QC Investment Education Center

Privacy Policy

Last Updated: January 15, 2025

At Spectaro, we believe your financial education journey should be built on trust. This privacy policy explains how we collect, use, and protect your personal information when you use our investment analysis education platform. We're committed to transparency about our data practices and your rights as a Canadian resident.

1 Information We Collect

When you join our investment education community, we collect information necessary to provide personalized learning experiences and comply with Canadian education standards.

Personal Information

  • Name, email address, and contact details for account creation
  • Educational background and investment experience level
  • Learning preferences and course progress tracking
  • Payment information for course enrollment (processed by certified payment providers)

Usage Information

We automatically collect data about how you interact with our platform, including pages visited, time spent on lessons, quiz results, and device information. This helps us improve our educational content and ensure our platform works smoothly across different devices.

Data Type Purpose Retention Period
Account Information User authentication and communication Until account deletion
Learning Progress Personalized education experience 3 years after last activity
Technical Data Platform optimization and security 12 months

2 How We Use Your Information

Your information helps us create a tailored learning environment that adapts to your investment education needs. We use this data responsibly and only for purposes that benefit your educational experience.

Educational Purposes Only: We never use your personal information for investment advice, financial recommendations, or trading suggestions. Our focus remains strictly on education and skill development.

Primary Uses

  • Delivering personalized course content and tracking your progress
  • Sending educational updates, course announcements, and learning resources
  • Providing technical support and answering your questions
  • Improving our curriculum based on student feedback and usage patterns
  • Ensuring platform security and preventing unauthorized access

We analyze aggregated, anonymous data to understand learning patterns and improve our educational methodology. This research helps us develop better courses and identify areas where students need additional support.

3 Information Sharing and Disclosure

We maintain strict standards about sharing your personal information. Your trust is essential to our educational mission, and we never sell your data to third parties.

Limited Sharing Circumstances

We only share your information in these specific situations:

  • Service Providers: Trusted partners who help deliver our educational platform (hosting, email services, payment processing) under strict confidentiality agreements
  • Legal Requirements: When required by Canadian law, court orders, or regulatory authorities
  • Safety Concerns: To protect the safety and rights of our students, staff, or the public
  • Business Transitions: In the event of a merger or acquisition, with advance notice to all users

All third-party service providers must meet our data protection standards and are contractually bound to protect your information. We regularly audit these relationships to ensure compliance with Canadian privacy laws.

4 Data Security and Protection

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, or disclosure. Our security approach combines technical safeguards with staff training and regular audits.

Technical Safeguards

  • End-to-end encryption for data transmission and storage
  • Multi-factor authentication for all administrative access
  • Regular security updates and vulnerability assessments
  • Automated backup systems with encrypted storage
  • Network monitoring and intrusion detection systems

Operational Security

Our team receives regular privacy training and follows strict access controls. Only authorized personnel can access personal information, and all access is logged and monitored. We conduct annual security reviews and update our procedures to address emerging threats.

While we implement strong security measures, no system is completely immune to risks. We'll notify affected users and relevant authorities within 72 hours if a data breach occurs, following Canadian privacy law requirements.

5 Your Privacy Rights

As a Canadian resident, you have specific rights regarding your personal information. We're committed to helping you exercise these rights in a straightforward manner.

Right to Access: You can request a complete copy of all personal information we hold about you, including how it's been used and who it's been shared with.

Your Rights Include

  • Correction: Update or correct any inaccurate personal information
  • Deletion: Request removal of your personal information (subject to legal retention requirements)
  • Portability: Receive your data in a common, machine-readable format
  • Restriction: Limit how we process your information in certain circumstances
  • Objection: Object to specific uses of your personal information
  • Withdrawal: Revoke consent for data processing where consent is the legal basis

Exercising Your Rights

To exercise any of these rights, contact us at [email protected] with your request. We'll respond within 30 days and may need to verify your identity to protect against unauthorized access. There's no charge for most requests, though we may apply reasonable fees for excessive or repetitive requests.

6 Cookies and Tracking

We use cookies and similar technologies to enhance your learning experience and understand how our platform is used. These small data files help us remember your preferences and provide personalized content.

Types of Cookies We Use

  • Essential Cookies: Required for basic platform functionality and security
  • Performance Cookies: Help us understand how you use our platform to improve user experience
  • Functionality Cookies: Remember your preferences and settings between visits
  • Analytics Cookies: Provide insights into learning patterns and course effectiveness

You can control cookie settings through your browser preferences. However, disabling certain cookies may limit some platform features. We don't use cookies for advertising or tracking you across other websites.

7 International Data Transfers

While we primarily store and process your data within Canada, some of our trusted service providers may operate from other countries. When international transfers occur, we ensure your information receives equivalent protection through appropriate safeguards.

Transfer Safeguards

For any data transfers outside Canada, we implement:

  • Contractual data protection clauses with international partners
  • Regular audits of international service providers
  • Encryption requirements for all transferred data
  • Compliance with Canadian adequacy decisions for approved countries

You have the right to know about any international transfers of your data and can request details about the safeguards we've implemented to protect your information.

8 Data Retention and Deletion

We keep your personal information only as long as necessary for educational purposes and legal compliance. Our retention periods vary based on the type of information and how it's used in your learning journey.

Retention Periods

Account information and learning progress are retained while your account is active and for three years after your last activity. This allows you to return to your courses and pick up where you left off. Financial records are kept for seven years to comply with Canadian tax and business regulations.

Account Deletion: When you request account deletion, we'll remove your personal information within 30 days, except for data we're legally required to retain for regulatory compliance.

Technical logs and anonymous usage data may be retained longer for security and platform improvement purposes, but this information cannot be linked back to your identity.

9 Changes to This Policy

We review and update this privacy policy annually or when significant changes occur to our data practices. Material changes will be communicated through email and prominent notices on our platform at least 30 days before they take effect.

We encourage you to review this policy periodically to stay informed about how we protect your information. Your continued use of our platform after policy updates indicates acceptance of the revised terms.

Version History

Previous versions of this privacy policy are archived and available upon request. This transparency helps you understand how our privacy practices have evolved and ensures accountability in our data handling procedures.

Privacy Questions & Support

Our privacy team is here to help with any questions about your personal information or this policy.

Spectaro Privacy Office
2500 Boulevard de l'Université b5
Sherbrooke, QC J1K 2R1, Canada

Phone: +1 403 463 2686

[email protected]