Privacy Policy

Introduction

calivenqorath operates as a comprehensive business budgeting platform designed to help Canadian businesses manage their financial planning effectively. This privacy policy outlines how we collect, use, store, and protect your personal information when you interact with our services at calivenqorath.com. We're committed to transparency about our data practices and ensuring you understand your rights under applicable Canadian privacy legislation.

This policy applies to all users of our platform, including visitors to our website, registered users, and anyone who interacts with our educational content or budgeting tools. By accessing our services, you acknowledge that you've read and understood this privacy policy.

Information We Collect

Personal Information

When you register for our services or participate in our educational programs, we collect various types of personal information necessary to provide our budgeting platform effectively.

Data Type	Purpose	Legal Basis
Contact Information	Account creation, communication, support	Contractual necessity
Business Details	Customized budgeting recommendations	Legitimate business interest
Financial Data	Budget analysis and reporting	Contractual necessity
Usage Analytics	Platform improvement and optimization	Legitimate business interest

Automatically Collected Information

Our platform automatically collects certain technical information when you visit our website or use our services. This includes IP addresses, browser types, device information, and interaction patterns within our platform. We use this data to enhance user experience, troubleshoot technical issues, and understand how our services are being utilized.

How We Use Your Information

We process your personal information for several specific purposes related to our business budgeting services. Understanding these purposes helps you make informed decisions about sharing your data with us.

• Providing personalized budgeting tools and financial planning recommendations based on your business profile
• Delivering educational content through our learning programs scheduled for late 2025 and 2026
• Communicating important updates about your account, our services, or relevant financial planning information
• Analyzing platform usage to identify areas for improvement and develop new features that better serve our users
• Ensuring the security and integrity of our platform through monitoring and fraud prevention measures
• Complying with applicable Canadian financial regulations and reporting requirements

Data Sharing and Disclosure

We maintain strict controls over how your personal information is shared. calivenqorath does not sell your personal data to third parties for marketing purposes. However, we may share your information in specific circumstances outlined below.

Service Providers

We work with carefully selected third-party service providers who assist us in delivering our budgeting platform. These providers include cloud hosting services, payment processors, and analytics platforms. All service providers are contractually bound to protect your information and use it only for the specific services they provide to us.

Legal Requirements

We may disclose your personal information when required by Canadian law, court orders, or regulatory authorities. This includes compliance with tax reporting requirements, anti-money laundering regulations, and other financial industry obligations that apply to our services.

Your Privacy Rights

Under Canadian privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA), you have several important rights regarding your personal information.

Data Security Measures

Protecting your financial and personal information is our top priority. We implement comprehensive security measures designed to safeguard your data against unauthorized access, modification, or disclosure.

Our security framework includes encryption of data both in transit and at rest, regular security audits conducted by independent third parties, multi-factor authentication for account access, and strict access controls limiting employee access to personal information on a need-to-know basis. We also maintain incident response procedures to quickly address any potential security breaches.

Data Retention

We retain your personal information only as long as necessary to fulfill the purposes outlined in this privacy policy or as required by applicable Canadian regulations. For active accounts, we maintain your information while you continue using our services. After account closure, we typically retain essential records for seven years to comply with business record-keeping requirements, though this may vary based on specific regulatory obligations.

Non-essential information, such as detailed usage analytics and marketing preferences, is generally deleted within two years of your last platform interaction. Financial transaction records may be retained longer to meet tax and audit requirements under Canadian law.

International Data Transfers

While calivenqorath primarily operates within Canada, some of our service providers may process data outside Canadian borders. When this occurs, we ensure appropriate safeguards are in place through contractual protections, adequacy decisions, or other approved transfer mechanisms. We maintain oversight of all international data processing to ensure your information receives equivalent protection regardless of location.

Cookies and Tracking Technologies

Our platform uses cookies and similar technologies to enhance your browsing experience and provide personalized content. These technologies help us remember your preferences, analyze platform performance, and deliver relevant educational content about business budgeting.

You can control cookie settings through your browser preferences, though disabling certain cookies may limit some platform functionality. We use both session cookies that expire when you close your browser and persistent cookies that remain on your device for specified periods to improve your user experience across visits.

Updates to This Policy

We periodically update this privacy policy to reflect changes in our practices, services, or applicable regulations. When we make significant changes, we'll notify active users via email and post the updated policy on our website with a revised effective date. We encourage you to review this policy regularly to stay informed about how we protect your privacy.

Minor clarifications or administrative changes may be implemented without specific notification, though all updates will be reflected in the version posted on our website.

Contact Information

If you have questions about this privacy policy, want to exercise your privacy rights, or need to report a privacy concern, please contact our privacy team using the information below.

We're committed to addressing your privacy inquiries promptly and thoroughly. Most requests receive a response within five business days, with complex matters resolved within 30 days as required by Canadian privacy legislation.