Introduction and Scope

At maraventhilosqa, we believe your personal information deserves the highest level of protection. This comprehensive privacy policy explains how we collect, use, store, and safeguard your data when you visit our website at maraventhilosqa.com or use our budget prioritization services.

This policy applies to all users of our platform, whether you're browsing our resources, participating in our learning programs, or using our financial planning tools. We've designed our practices around transparency and user control, ensuring you always know what happens with your information.

How We Use Your Information

Your information serves multiple purposes within our platform. Primarily, we use it to deliver our budget prioritization services, including generating personalized recommendations and tracking your financial goals over time.

We also use your data to communicate with you about your account, send important updates about our services, and provide customer support when you need assistance. Marketing communications are always optional and can be disabled at any time.

For service improvement, we analyze usage patterns and user feedback to enhance our platform's functionality and develop new features that better serve our community's needs.

Data Sharing and Third Parties

We don't sell your personal information to third parties. However, we do work with trusted service providers to deliver our platform's functionality. These partners include cloud hosting services, payment processors, and analytics providers.

All third-party providers are bound by strict contractual agreements that limit how they can use your data. They're only allowed to process information as necessary to provide their specific services to us, and they cannot use your data for their own purposes.

In rare cases, we may be required to disclose information to comply with legal obligations, such as court orders or government requests. We'll always notify you of such requests unless legally prohibited from doing so.

Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services or as required by law. Account information is typically kept while your account remains active, plus an additional period to handle any account-related issues that might arise.

Financial data used for budget analysis is retained for up to seven years to provide historical insights and comply with financial record-keeping requirements. Communication records are kept for three years to maintain context for ongoing support relationships.

When data is no longer needed, we securely delete it using industry-standard methods that prevent recovery. This includes overwriting storage media and destroying any physical backups that may exist.

International Data Transfers

As a Canadian company, we primarily process data within Canada's borders. However, some of our service providers may store or process data in other countries, including the United States and European Union member states.

When data is transferred internationally, we ensure adequate protection through various safeguards, including standard contractual clauses, adequacy decisions, and certification schemes. These mechanisms provide equivalent protection to what you'd receive under Canadian privacy laws.

Children's Privacy

Our services are designed for adults who can make independent financial decisions. We don't knowingly collect personal information from children under 13 years of age. If we discover that we've inadvertently collected such information, we'll delete it immediately.

For users between 13 and 18 years old, we recommend parental involvement in financial planning decisions. While these users can create accounts, we encourage family discussions about budgeting and financial goal-setting.

Policy Updates and Changes

We review and update this privacy policy regularly to reflect changes in our practices, technology, and legal requirements. When we make significant changes that affect how we handle your data, we'll notify you through email or prominent notices on our platform.

Minor updates, such as clarifications or contact information changes, may be made without individual notification. We encourage you to review this policy periodically to stay informed about how we protect your privacy.

Your continued use of our services after policy updates constitutes acceptance of the revised terms. If you disagree with any changes, you can close your account and request data deletion at any time.