Introduction and Commitment

Welcome to Josefina Montesanta's investment mindset education platform. We're committed to protecting your privacy and being transparent about how we collect, use, and safeguard your personal information. This privacy policy explains our practices in clear, straightforward language.

As a business operating in Canada, we comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable privacy laws. We believe you have the right to know exactly what happens to your information when you visit our website or engage with our services.

Information We Collect

We collect information in several ways, and we want you to understand exactly what we gather and why it's necessary for providing you with valuable educational content about investment mindset development.

Information You Provide Directly

Most of the information we have about you comes directly from you. This happens when you fill out contact forms, subscribe to our newsletter, participate in surveys, or engage with our educational content. We only ask for information that helps us provide better service or educational value.

Automatic Information Collection

Like most websites, we automatically collect certain technical information when you visit our site. This includes your IP address, browser type, and pages you visit. We use this information to understand how people use our website and to improve its functionality.

How We Use Your Information

We use your personal information for specific, legitimate purposes that directly relate to providing educational services about investment mindset development. Here's exactly how we use different types of information:

• Delivering educational content, course materials, and program communications
• Responding to your questions, comments, and support requests
• Sending newsletters and updates about investment education topics you've expressed interest in
• Improving our website functionality and user experience based on usage patterns
• Analyzing learning outcomes to enhance our educational programs
• Meeting legal obligations and protecting our legitimate business interests
• Preventing fraud and ensuring the security of our platform

We don't use your information for purposes unrelated to our educational mission. We won't sell your information to third parties or use it for unrelated marketing purposes without your explicit consent.

Information Sharing and Disclosure

We're selective about when and why we share your personal information. In most cases, we keep your information private and use it only within our organization. However, there are specific situations where we may share information:

Service Providers and Business Partners

We work with trusted service providers who help us deliver our educational programs. This might include email marketing platforms, learning management systems, and payment processors. These partners only receive the information necessary to perform their specific functions and are contractually required to protect your information.

Legal Requirements and Safety

We may disclose your information when required by law, in response to valid legal requests from authorities, or when necessary to protect the safety and rights of our students, staff, or the general public. This includes cooperating with law enforcement when legally required.

Business Transfers

If our business is sold, merged, or transferred to another organization, your personal information may be included in that transfer. We would notify you of any such change and how it might affect your privacy rights.

Your Privacy Rights and Choices

Under Canadian privacy law, you have several important rights regarding your personal information. We respect these rights and have procedures in place to help you exercise them.

How to Exercise Your Rights

To exercise any of these rights, contact us using the information provided at the end of this policy. We'll respond to your request within 30 days, though complex requests may take longer. We may need to verify your identity before processing certain requests to protect your information from unauthorized access.

Marketing Communications

You can opt out of marketing emails at any time by clicking the unsubscribe link in our emails or contacting us directly. Even if you opt out of marketing communications, we may still send you important service-related messages about your account or our programs.

Data Security and Protection

Data Retention and Deletion

We keep your personal information only as long as necessary to fulfill the purposes outlined in this policy, comply with legal requirements, and protect our legitimate business interests.

When we no longer need your information, we securely delete or anonymize it. In some cases, we may retain anonymized data for research and improvement purposes, but this information cannot be linked back to you personally.

International Data Transfers

While we're based in Canada and primarily serve Canadian clients, some of our service providers may be located in other countries, including the United States. When we transfer your information internationally, we ensure appropriate safeguards are in place to protect your privacy rights.

We only work with service providers who demonstrate adequate privacy protections, and we use contractual agreements to ensure your information receives the same level of protection regardless of where it's processed. If you have concerns about international transfers, please contact us to discuss alternative arrangements.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience and understand how visitors interact with our content. Cookies are small files stored on your device that help websites remember your preferences and activity.

Types of Cookies We Use

• Essential cookies that make our website function properly
• Analytics cookies that help us understand website usage patterns
• Preference cookies that remember your settings and choices
• Marketing cookies that help us show you relevant content

You can control cookies through your browser settings. However, disabling certain cookies may affect your ability to use some features of our website. Most browsers allow you to see what cookies are stored and delete them individually or clear all cookies.

Children's Privacy

Our educational programs are designed for adults interested in developing an investment mindset. We don't knowingly collect personal information from children under 13 years of age. If we become aware that we've collected information from a child under 13, we'll delete it promptly.

If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately so we can address the situation appropriately.

Changes to This Privacy Policy

We may update this privacy policy periodically to reflect changes in our practices, services, or legal requirements. When we make significant changes, we'll notify you by email if you've provided us with your email address, and we'll update the effective date at the top of this policy.

We encourage you to review this policy regularly to stay informed about how we're protecting your information. Continued use of our services after policy changes constitutes acceptance of the updated terms.