stellariquentos - Personal Finance Skills & Financial Education Platform

Information We Collect

stellariquentos ("we," "us," or "our") collects information to provide better services to our users. We collect information in several ways when you use our financial education platform.

Personal Information You Provide

Name, email address, and phone number when you create an account
Payment information when you purchase our courses or webinars
Profile information including your financial goals and experience level
Communication preferences and feedback you provide
Course progress and completion data

Information We Collect Automatically

Device information including IP address, browser type, and operating system
Usage data such as pages visited, time spent on our platform, and features used
Log information including access times and error reports
Cookies and similar tracking technologies data

How We Use Your Information

We use the information we collect to operate, maintain, and improve our financial education services. Your data helps us create a personalized learning experience tailored to your needs.

Provide and deliver our educational content and services
Process transactions and send related information
Send technical notices, updates, and security alerts
Respond to your comments, questions, and customer service requests
Communicate about products, services, and events
Monitor and analyze trends and usage patterns
Personalize your experience and recommend relevant content
Detect, investigate, and prevent fraudulent activities

Important: We never sell your personal information to third parties. We believe your financial education journey should remain private and secure.

Information Sharing and Disclosure

We may share your information in specific circumstances, but we're committed to protecting your privacy and only share information when necessary for our services or as required by law.

Service Providers

We work with third-party service providers who assist us in operating our platform. These providers have access to your information only to perform specific tasks on our behalf and are obligated to keep your information confidential.

Legal Requirements

We may disclose your information if 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 or the safety of others.

Business Transfers

If stellariquentos is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change in ownership or control.

Your Rights and Choices

You have several rights regarding your personal information. We respect these rights and provide you with the tools to exercise them.

Access: You can request a copy of the personal information we hold about you
Correction: You can update or correct your personal information at any time
Deletion: You can request that we delete your personal information
Portability: You can request your data in a machine-readable format
Objection: You can object to certain types of processing of your information
Restriction: You can request that we limit how we use your information

To exercise any of these rights, please contact us using the information provided at the bottom of this policy. We'll respond to your request within 30 days.

Data Security

We take the security of your personal information seriously and implement appropriate technical and organizational measures to protect it against unauthorized access, alteration, disclosure, or destruction.

Technical Safeguards

SSL encryption for all data transmission
Regular security audits and vulnerability assessments
Secure data storage with encryption at rest
Access controls and authentication mechanisms
Regular software updates and security patches

Organizational Measures

Limited access to personal information on a need-to-know basis
Employee training on data protection and privacy practices
Confidentiality agreements with all staff and contractors
Regular review and update of security policies
Incident response procedures for data breaches

Data Retention

We retain your personal information for as long as necessary to provide our services and fulfill the purposes outlined in this privacy policy. The retention period depends on the type of information and the purpose for which it was collected.

Account Information: Retained while your account is active and for 3 years after closure
Course Progress: Retained for 5 years to provide ongoing access to your achievements
Payment Information: Retained for 7 years as required by financial regulations
Marketing Communications: Retained until you unsubscribe or for 2 years of inactivity
Technical Data: Retained for 18 months for security and service improvement purposes

When we no longer need your information, we securely delete or anonymize it to prevent unauthorized access or use.

International Data Transfers

stellariquentos operates from Canada, and your information may be transferred to and processed in countries other than your country of residence. We ensure that any international transfers comply with applicable data protection laws.

When we transfer your information internationally, we use appropriate safeguards such as standard contractual clauses or adequacy decisions to ensure your data remains protected.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information from our systems as quickly as possible.

Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by posting the updated policy on our website and updating the "Last Updated" date.

We encourage you to review this privacy policy periodically to stay informed about how we collect, use, and protect your information. Your continued use of our services after any changes indicates your acceptance of the updated privacy policy.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our platform. These technologies help us understand how you use our services and allow us to improve functionality.

Types of Cookies We Use

Essential Cookies: Required for basic site functionality and security
Performance Cookies: Help us understand how visitors interact with our platform
Functional Cookies: Enable enhanced features and personalization
Marketing Cookies: Used to deliver relevant advertisements and measure their effectiveness

You can control cookie settings through your browser preferences. However, disabling certain cookies may limit your ability to use some features of our platform.

Privacy Policy