Privacy Policy

We collect information that helps us provide better investment education and budget planning services. Here's what we gather and why:

Personal Information You Provide

Automatically Collected Information

When you visit our website or use our services, we automatically collect certain technical information to improve your experience. This includes your IP address, browser type, device information, pages visited, and time spent on our site. We use cookies and similar tracking technologies to remember your preferences and analyze how our website performs.

For our Canadian users, we ensure all data collection complies with the Personal Information Protection and Electronic Documents Act (PIPEDA) and provincial privacy legislation.

Your information helps us deliver personalized investment education that matches your goals and experience level. We use your data to:

Educational Services: We customize course recommendations based on your investment experience and learning objectives. Your progress tracking helps us suggest additional resources that might benefit your financial education journey.

Communication: We send course updates, educational content, market insights, and respond to your questions. You can adjust these communication preferences anytime through your account settings.

Service Improvement: Website analytics help us understand which educational materials are most helpful and where students might need additional support. This data guides our content development and platform enhancements.

Legal and Security: We process information to comply with Canadian financial regulations, prevent fraud, and protect both your account and our educational platform from security threats.

We don't sell your personal information to third parties. However, we may share your data in specific circumstances:

Service Providers

We work with trusted partners who help us deliver our educational services. This includes payment processors for course enrollment, email service providers for communications, and hosting providers for our platform. These partners are contractually required to protect your information and use it only for specified purposes.

Legal Requirements

We may disclose information when required by Canadian law, court orders, or regulatory investigations. This includes responding to lawful requests from government agencies or protecting our legal rights and those of our users.

Business Transfers

If Gramtex is acquired, merges with another company, or undergoes significant business changes, your information may be transferred as part of that transaction. We would notify you of any such changes and your options regarding your personal data.

Anonymous Data: We may share aggregated, non-personally identifiable information about user behavior and course effectiveness for research or marketing purposes. This data cannot be traced back to individual users.

Under Canadian privacy laws, you have important rights regarding your personal information. Here's what you can do:

How to Exercise Your Rights: Contact our privacy team at [email protected] with your specific request. We'll respond within 30 days and may need to verify your identity before processing certain requests. There's no fee for most requests, though we may charge reasonable costs for excessive or repetitive requests.

Protecting your personal information is fundamental to how we operate. We've implemented comprehensive security measures across our technical infrastructure and business processes.

Technical Safeguards

All data transmission uses industry-standard SSL encryption. Your personal information is stored on secure servers with restricted access, regular security updates, and comprehensive backup systems. We use multi-factor authentication for administrative access and conduct regular security audits.

Organizational Security

Our team members receive regular privacy and security training. Access to personal information is limited to employees who need it for their job functions, and all access is logged and monitored. We have incident response procedures in place and conduct background checks on relevant staff.

Your Role in Security: You can help protect your account by using strong, unique passwords, logging out when using shared computers, and reporting any suspicious account activity to us immediately.

We keep your personal information only as long as necessary for legitimate business purposes, legal requirements, or until you request deletion.

Information Type	Retention Period	Reason
Course enrollment and progress	7 years after course completion	Educational records, tax requirements
Payment and billing information	7 years after transaction	Canadian tax and accounting laws
Marketing communications	Until unsubscribe request	Ongoing communication consent
Website analytics data	26 months	Performance analysis and improvement
Account information	2 years after account closure	Customer service and dispute resolution

Automated Deletion: Our systems automatically delete certain types of data when retention periods expire. For other information, we conduct annual reviews to identify and remove data that's no longer needed.

Early Deletion Requests: You can request earlier deletion of your personal information, though we may need to retain some records to comply with legal requirements or resolve disputes. We'll explain any limitations when you make your request.

We use cookies and similar technologies to improve your experience on our website and understand how our educational content performs.

Types of Cookies We Use

Essential Cookies: These are necessary for basic website functionality, including keeping you logged in, remembering your preferences, and maintaining security. You cannot opt out of these cookies while using our services.

Analytics Cookies: We track how users interact with our educational content to identify popular topics, common questions, and areas where students might need additional support. This helps us improve our course materials and website navigation.

Marketing Cookies: These help us understand which marketing channels are most effective and prevent you from seeing the same advertisements repeatedly. We may use these to show you relevant educational content based on your interests.

Managing Cookie Preferences

You can control cookie settings through your browser preferences or our cookie preference center. Blocking certain cookies may affect website functionality, but you'll still be able to access our core educational content.

We also use pixel tags and similar technologies in our emails to understand which educational content resonates with our audience and improve our communications.

While Gramtex operates primarily within Canada, some of our trusted service providers may process your information outside of Canada, including in the United States and European Union.

Transfer Safeguards: When we transfer personal information internationally, we ensure adequate protection through contractual commitments, certification programs, or jurisdictions with recognized privacy standards. All international transfers comply with PIPEDA requirements.

Data Processing Agreements: Our international service providers sign comprehensive data processing agreements that require them to protect your information according to Canadian privacy standards, regardless of where they're located.

You have the right to know about these transfers and can request specific information about the safeguards we use to protect your data when it's processed outside Canada.

Our investment education services are designed for adults and we do not knowingly collect personal information from children under 13 years of age.

If we discover that we've inadvertently collected personal information from a child under 13, we will delete that information immediately. Parents or guardians who believe their child has provided us with personal information should contact us right away.

For teenagers aged 13-17 who are interested in financial literacy education, we recommend parental involvement in the learning process and may require parental consent for certain course materials.

We may update this privacy policy periodically to reflect changes in our services, legal requirements, or privacy practices. When we make significant changes, we'll notify you through email or prominent notices on our website.

Review Process: We conduct annual reviews of our privacy practices and update this policy as needed. Minor clarifications or formatting changes may be made without notice, but we'll always update the "Last Updated" date.

Your Continued Use: By continuing to use our services after policy changes take effect, you accept the updated terms. If you disagree with significant changes, you can close your account or exercise your data deletion rights.

We encourage you to review this policy periodically, especially before enrolling in new courses or updating your account information.