Privacy Policy

Introduction

Compass Finance ("we," "our," or "us") is committed to protecting the privacy and security of personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you interact with our educational programs and services.

We operate in accordance with Canadian privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws.

Information We Collect

Personal Information

We collect information that you provide directly to us, including:

• Name and contact information (email address, phone number, mailing address)
• Program enrollment and completion data
• Payment and billing information
• Communications you send to us (inquiries, support requests, feedback)
• Learning progress and assessment results

Technical Information

We automatically collect certain technical information when you access our website or programs:

• Device information (type, operating system, browser)
• IP address and general location data
• Usage data (pages viewed, time spent, navigation patterns)
• Cookie and similar technology data

Legal Basis for Processing

We process personal information based on the following legal grounds:

• Consent: You have provided explicit consent for specific processing activities
• Contract Fulfillment: Processing is necessary to provide educational services you've enrolled in
• Legitimate Interest: Processing serves our legitimate business interests while respecting your privacy rights
• Legal Obligation: Processing is required to comply with applicable laws and regulations

How We Use Your Information

We use collected information for the following purposes:

• Providing and delivering educational programs and services
• Processing enrollment and managing learner accounts
• Communicating about programs, updates, and support matters
• Responding to inquiries and providing customer service
• Improving program content and delivery methods
• Analyzing usage patterns to enhance user experience
• Maintaining security and preventing fraud
• Complying with legal obligations and resolving disputes

Data Retention

We retain personal information for the following periods:

• Learner Information: Duration of enrollment plus seven years for record-keeping purposes
• Financial Records: Seven years as required by Canadian tax and accounting regulations
• Communication Records: Three years unless ongoing matters require longer retention
• Technical Data: Twelve months unless required for security or legal purposes

Upon expiration of retention periods, we securely delete or anonymize personal information unless legal requirements mandate longer retention.

Data Security

We implement appropriate technical and organizational measures to protect personal information:

• Encrypted data transmission using SSL/TLS protocols
• Secure storage with access controls and authentication requirements
• Regular security assessments and updates
• Staff training on privacy and security practices
• Incident response procedures for potential breaches
• Physical security measures for systems and records

Your Privacy Rights

Under Canadian privacy law, you have the following rights regarding your personal information:

• Right to Access: Request copies of personal information we hold about you
• Right to Rectification: Request correction of inaccurate or incomplete information
• Right to Erasure: Request deletion of your personal information, subject to legal retention requirements
• Right to Restrict Processing: Request limitation of how we use your information
• Right to Data Portability: Receive your information in a structured, commonly used format
• Right to Object: Object to processing based on legitimate interests
• Right to Withdraw Consent: Withdraw previously given consent at any time

To exercise these rights, contact us at [email protected]. We will respond within 30 days of receiving your request.

Third-Party Services

We work with selected third-party service providers to deliver our services:

• Payment Processors: Handle secure payment transactions (data governed by their privacy policies)
• Email Services: Deliver communications and support correspondence
• Analytics Providers: Help us understand website usage and program engagement
• Hosting Services: Provide secure infrastructure for our platforms

These providers are contractually obligated to protect your information and use it only for specified purposes. We do not sell personal information to third parties.

International Data Transfers

Some service providers may process data outside Canada. When this occurs, we ensure appropriate safeguards are in place through contractual commitments and compliance with Canadian privacy law requirements for international transfers. Your information receives protection equivalent to Canadian privacy standards regardless of processing location.

Cookies and Tracking

Our website uses cookies and similar technologies to enhance functionality and analyze usage. For detailed information about our cookie practices, including how to manage preferences, please review our Cookie Policy.

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 to enrolled learners or prominent notice on our website. The "Last Updated" date at the top of this policy indicates when the most recent revisions occurred. Continued use of our services after policy changes constitutes acceptance of the updated terms.

Contact Us

For questions, concerns, or requests regarding this Privacy Policy or your personal information: