Introduction and Scope

virellumosaq ("we," "us," "our," or "the Company") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website at virellumosaq.com or engage with our investment analysis educational services in Canada.

This policy applies to all users of our platform, including visitors browsing our educational content, registered users accessing our learning materials, and participants in our investment analysis programs. By using our services, you acknowledge that you have read and understood this Privacy Policy and consent to the practices described herein, subject to applicable Canadian privacy laws including the Personal Information Protection and Electronic Documents Act (PIPEDA).

Information We Collect

We collect several types of information to provide and improve our investment analysis educational services. Our data collection practices are designed to enhance your learning experience while respecting your privacy rights under Canadian law.

We also collect information about your interactions with our educational content, including which modules you access, time spent on different sections, and your progress through our investment analysis curriculum. This helps us understand learning patterns and improve our educational offerings.

How We Use Your Information

Your personal information is used exclusively for legitimate educational and business purposes in compliance with Canadian privacy legislation. We process your data to deliver high-quality investment analysis education and maintain our platform's functionality.

• Providing access to our investment analysis learning programs and educational resources
• Tracking your educational progress and providing personalized learning recommendations
• Communicating important updates about your enrollment, course schedules, and program changes
• Responding to your inquiries and providing customer support for technical or educational questions
• Sending educational newsletters and information about new learning opportunities (with your consent)
• Improving our website functionality and user experience through analytics and feedback
• Complying with legal obligations and regulatory requirements in the financial education sector
• Protecting the security and integrity of our platform and preventing unauthorized access

We do not use your personal information for automated decision-making that would significantly impact you without human oversight. Any marketing communications we send can be easily unsubscribed from using the links provided in each message.

Information Sharing and Disclosure

virellumosaq does not sell, rent, or trade your personal information to third parties for their marketing purposes. We may share your information only in specific circumstances outlined below, always ensuring appropriate safeguards are in place.

• Service Providers: We work with trusted third-party service providers who assist in delivering our educational services, such as email platforms, learning management systems, and payment processors. These providers are contractually obligated to protect your information and use it only for the services they provide to us.
• Legal Requirements: We may disclose personal information if required by law, court order, or government regulation, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
• Business Transfers: In the event of a merger, acquisition, or sale of our business assets, your personal information may be transferred to the new entity, subject to the same privacy protections outlined in this policy.
• Consent-Based Sharing: We may share your information with third parties when you have given explicit consent for specific purposes, such as partnering educational institutions or certification bodies.

Your Privacy Rights Under Canadian Law

As a user of our services in Canada, you have specific rights regarding your personal information under PIPEDA and applicable provincial privacy legislation. We are committed to facilitating the exercise of these rights in a timely and transparent manner.

To exercise any of these rights, please contact our Privacy Officer using the information provided at the end of this policy. We will respond to your request within 30 days, as required by Canadian privacy law. Some requests may require identity verification to ensure the security of your personal information.

Data Security and Protection

We implement comprehensive security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security practices are regularly reviewed and updated to address evolving threats and maintain the highest standards of data protection.

• Encryption of sensitive data during transmission using industry-standard SSL/TLS protocols
• Secure storage systems with access controls and regular security monitoring
• Regular security assessments and vulnerability testing of our systems
• Employee training on privacy and security best practices, with confidentiality agreements
• Multi-factor authentication for administrative access to personal information databases
• Regular backup procedures and disaster recovery planning to ensure data availability
• Incident response procedures to address any potential security breaches promptly

While we strive to use commercially acceptable means to protect your personal information, no method of transmission over the internet or electronic storage is 100% secure. We continuously monitor and improve our security measures to provide the best possible protection for your data.

Data Retention and Deletion

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, and protect our legitimate business interests. Our retention periods are based on the nature of the information and applicable legal requirements.

When personal information is no longer needed for these purposes, we securely delete or anonymize it according to our data destruction procedures. You may request earlier deletion of your information in certain circumstances, subject to our legal and contractual obligations.

Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze website traffic, and understand user preferences. We use both first-party cookies (set by us) and third-party cookies (set by our service providers) for various purposes.

• Essential Cookies: Required for basic website functionality, including user authentication and security features. These cookies cannot be disabled without affecting website performance.
• Performance Cookies: Help us understand how visitors interact with our website by collecting anonymous information about page visits, traffic sources, and user behavior patterns.
• Functional Cookies: Remember your preferences and settings to provide a more personalized experience during return visits to our platform.
• Marketing Cookies: Used to deliver relevant educational content and track the effectiveness of our marketing campaigns, only with your consent.

You can control cookie settings through your browser preferences, though disabling certain cookies may limit some website functionality. We provide clear information about our cookie usage and obtain consent where required by law.

International Data Transfers

While virellumosaq primarily operates within Canada, we may occasionally work with service providers located outside Canada to deliver our educational services. When we transfer personal information internationally, we ensure appropriate safeguards are in place to protect your privacy rights.

We maintain records of all international data transfers and can provide information about these transfers upon request. If you have concerns about international data transfers, please contact our Privacy Officer for more detailed information about the specific safeguards we employ.

Updates to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other operational needs. We will notify you of any material changes through prominent notice on our website or direct communication to your registered email address.

Minor updates that do not materially affect your rights may be implemented without specific notification, though the "Last Updated" date at the top of this policy will always reflect the most recent changes. We encourage you to review this Privacy Policy regularly to stay informed about how we protect your personal information.

Continued use of our services after policy updates constitutes acceptance of the revised terms. If you disagree with any changes, please contact us to discuss your options, which may include account closure and data deletion where legally permissible.