Privacy Policy
Your privacy matters to us. We're committed to protecting your personal information and being transparent about how we collect, use, and safeguard your data.
Important Notice: This Privacy Policy explains how Onlinemorvento ("we," "us," or "our") collects, uses, discloses, and protects your information when you use our financial education services and platform at onlinemorvento.com. By using our services, you agree to the collection and use of information in accordance with this policy.
Information We Collect
Personal Information You Provide
When you register for our financial education programs, create an account, or contact us, we collect information that you voluntarily provide. This includes your name, email address, phone number, mailing address, and payment information. We also collect information about your professional background, investment experience, and educational goals to better tailor our services to your needs.
If you participate in our webinars, courses, or consultation sessions, we may collect additional information such as your questions, feedback, and learning preferences. This helps us improve our educational content and provide personalized recommendations for your financial education journey.
Automatically Collected Information
Our website automatically collects certain information when you visit our platform. This includes your IP address, browser type, device information, operating system, and browsing patterns. We use cookies and similar tracking technologies to enhance your user experience and analyze how our services are used.
We track page views, session duration, and interaction with our educational content to understand which resources are most valuable to our users. This data helps us optimize our platform and develop new learning materials that better serve your educational needs.
| Information Type | Purpose | Retention Period |
|---|---|---|
| Account Information | Service delivery and account management | Active account plus 3 years |
| Payment Data | Transaction processing and billing | 7 years for tax purposes |
| Usage Analytics | Platform improvement and personalization | 26 months |
| Communication Records | Customer support and service improvement | 5 years |
How We Use Your Information
We use your personal information to provide, maintain, and improve our financial education services. This includes delivering course content, processing payments, sending educational materials, and providing customer support. We may also use your information to personalize your learning experience and recommend relevant courses or resources.
Your information helps us communicate with you about your account, send important updates about our services, and notify you about new educational opportunities that match your interests. We may also use aggregated and anonymized data to conduct research and develop new educational programs.
- Provide access to our financial education platform and courses
- Process payments and manage your account
- Send educational newsletters and course updates
- Provide customer support and respond to inquiries
- Analyze usage patterns to improve our services
- Comply with legal obligations and regulatory requirements
- Prevent fraud and ensure platform security
Information Sharing and Disclosure
We do not sell, trade, or otherwise transfer your personal information to third parties without your consent, except as described in this policy. We may share your information with trusted service providers who assist us in operating our platform, conducting business, or serving you, provided they agree to keep your information confidential.
We may disclose your information when required by law, such as to comply with a subpoena or similar legal process, or when we believe disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to government requests.
We work with carefully selected partners including payment processors, email service providers, and analytics platforms. All partners are required to maintain strict confidentiality and use your information only for the specific services they provide to us.
Your Privacy Rights
Access Rights
You have the right to request access to the personal information we hold about you. We'll provide you with a copy of your data in a commonly used format within 30 days of your request.
Correction Rights
If you believe any information we hold about you is incorrect or incomplete, you can request that we correct or update it. You can also update most information directly through your account settings.
Deletion Rights
You can request that we delete your personal information, subject to certain legal and contractual obligations. Some information may be retained for legitimate business purposes or legal compliance.
Portability Rights
You have the right to receive your personal data in a structured, commonly used format and to transmit that data to another service provider where technically feasible.
Objection Rights
You can object to our processing of your personal information for direct marketing purposes or where processing is based on legitimate interests. You can also withdraw consent where processing is based on consent.
Restriction Rights
Under certain circumstances, you can request that we restrict the processing of your personal information while we verify its accuracy or determine the lawfulness of processing.
Data Security and Protection
We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. This includes encryption of data in transit and at rest, regular security assessments, and strict access controls for our employees and contractors.
Our security measures include firewalls, intrusion detection systems, and regular security audits. We use industry-standard SSL encryption to protect data transmission and store sensitive information in secure, encrypted databases. Our staff receives regular training on data protection and privacy best practices.
While we strive to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security, but we continuously work to improve our security measures and respond quickly to any potential threats.
International Data Transfers
Your information may be transferred to and processed in countries other than your own, including the United States and other jurisdictions where our service providers are located. These countries may have different data protection laws than your jurisdiction.
When we transfer your information internationally, we ensure appropriate safeguards are in place to protect your data. This includes using standard contractual clauses approved by regulatory authorities and working only with providers that maintain adequate data protection standards.
Cookies and Tracking Technologies
Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and understand user preferences. Cookies are small text files stored on your device that help us remember your preferences and provide personalized content.
You can control cookie settings through your browser preferences. However, disabling certain cookies may affect the functionality of our website and limit your ability to access some features of our educational platform.
- Essential cookies: Required for basic website functionality
- Performance cookies: Help us analyze site usage and improve performance
- Functional cookies: Remember your preferences and personalize your experience
- Marketing cookies: Used to deliver relevant advertisements and measure campaign effectiveness
Children's Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly.
If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately. We will work with you to address the situation and ensure proper handling of any information collected.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by posting the new Privacy Policy on our website and updating the effective date.
For significant changes that affect how we use your personal information, we will provide additional notice through email or prominent notices on our website. We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.
Legal Basis for Processing
We process your personal information based on several legal grounds, including your consent, the necessity to perform our contract with you, compliance with legal obligations, and our legitimate interests in providing and improving our services.
Where we rely on consent as the legal basis for processing, you have the right to withdraw your consent at any time. Where we rely on legitimate interests, we have balanced our interests against your privacy rights and determined that processing is necessary and proportionate.
Data Retention
We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. The retention period depends on the type of information and the purpose for which it was collected.
When determining retention periods, we consider factors such as the nature of the information, the potential risk of harm from unauthorized use or disclosure, the purposes for which we process the information, and applicable legal requirements.
Contact Us About Privacy
If you have any questions about this Privacy Policy, want to exercise your privacy rights, or need assistance with your personal information, please contact us:
575 Riverbend Dr
Kitchener, ON N2K 3S3
Canada
We will respond to your privacy-related inquiries within 30 days. For urgent matters, please call us directly during business hours.