Privacy Policy

Introduction

At JawFoattig ("we," "our," or "us"), we are committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website jawfoattig.com and use our Canadian pension education services.

This policy applies to all information collected through our website, courses, communications, and related services. Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access or use our services.

1. Information We Collect

Personal Information You Provide

We collect personal information that you voluntarily provide when:

• Registering for courses: Name, email address, phone number, age range, employment status
• Contacting us: Name, email address, phone number, inquiry details
• Subscribing to newsletters: Email address, communication preferences
• Participating in surveys: Feedback, demographic information, course satisfaction data
• Creating user accounts: Username, password, profile information

Financial Information

We may collect limited financial information for educational purposes only:

• General income ranges (for course customization)
• Retirement planning goals
• Pension plan types (current employer)

Note: We do not collect specific account numbers, Social Insurance Numbers, or detailed financial data.

Automatically Collected Information

When you visit our website, we automatically collect certain information:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages visited, time spent on pages, click patterns, referral sources
• Location Data: General geographic location (city/province level)
• Cookies and Tracking: As described in our Cookie Policy

2. How We Use Your Information

We use the information we collect for the following purposes:

Service Delivery

• Provide and maintain our pension education courses
• Process course registrations and manage your account
• Customize course content based on your needs and experience level
• Respond to your inquiries and provide customer support
• Send course materials, updates, and important service notifications

Communication

• Send newsletters and educational content (with your consent)
• Notify you about course updates, new features, or regulatory changes
• Conduct surveys to improve our services
• Respond to your comments, questions, and requests

Website Improvement

• Analyze website usage to improve user experience
• Monitor and analyze trends and usage patterns
• Develop new features and services
• Troubleshoot technical issues

Legal and Business Purposes

• Comply with applicable laws and regulations
• Protect our rights and prevent fraud
• Enforce our terms of service
• Business planning and development

3. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

Service Providers

We may share information with trusted third-party service providers who assist us in:

• Web hosting and cloud storage
• Email marketing and communication services
• Payment processing (if applicable)
• Analytics and website optimization
• Customer support systems

All service providers are bound by confidentiality agreements and are prohibited from using your information for any purpose other than providing services to us.

Legal Requirements

We may disclose your information if required by law, including:

• Compliance with legal processes, court orders, or government requests
• Protection of our rights, property, or safety
• Investigation of potential violations of our terms of service
• Prevention of fraud or illegal activities

Business Transfers

In the event of a merger, acquisition, or sale of all or part of our business, your information may be transferred as part of that transaction. We will notify you via email or website notice of any such change in ownership.

Consent

We may share your information with your explicit consent for specific purposes not covered in this policy.

4. Data Security

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

Security Measures Include:

• Encryption: Data transmission is protected using SSL/TLS encryption
• Access Controls: Limited access to personal information on a need-to-know basis
• Regular Updates: Security systems are regularly updated and monitored
• Staff Training: Employee training on privacy and security best practices
• Data Minimization: We collect only the information necessary for our services

Data Retention

We retain your personal information only as long as necessary to:

• Provide our services and maintain your account
• Comply with legal obligations
• Resolve disputes and enforce our agreements
• Improve our services through analysis

Generally, we retain personal information for 7 years after your last interaction with our services, unless a longer retention period is required by law.

5. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. For detailed information about our cookie practices, please refer to our Cookie Policy.

Types of Cookies We Use:

• Essential Cookies: Required for website functionality
• Analytics Cookies: Help us understand how visitors use our site
• Preference Cookies: Remember your settings and preferences
• Marketing Cookies: Used to deliver relevant content (with consent)

You can control cookie settings through our cookie banner or your browser settings. Note that disabling certain cookies may affect website functionality.

6. Your Privacy Rights

Under Canadian privacy laws, including PIPEDA, you have certain rights regarding your personal information:

Access and Portability

• Request access to your personal information we hold
• Receive a copy of your personal information in a portable format
• Learn about how your information is being used

Correction and Updates

• Request correction of inaccurate or incomplete information
• Update your account information and preferences
• Modify your communication preferences

Deletion and Restriction

• Request deletion of your personal information (subject to legal requirements)
• Restrict certain uses of your information
• Withdraw consent for optional data processing

Objection and Withdrawal

• Object to certain processing of your personal information
• Unsubscribe from marketing communications
• Withdraw consent where processing is based on consent

How to Exercise Your Rights

To exercise any of these rights, please contact us at:

• Email: [email protected]
• Phone: (416) 555-0123
• Mail: 1425 Yonge Street, Suite 200, Toronto, ON M4T 1Y7

We will respond to your request within 30 days. In some cases, we may require additional information to verify your identity before processing your request.

7. International Data Transfers

Your personal information is primarily stored and processed in Canada. If we transfer information outside of Canada, we ensure appropriate safeguards are in place to protect your information, including:

• Adequacy decisions by Canadian authorities
• Standard contractual clauses
• Certification schemes
• Binding corporate rules

8. 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 we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will:

• Update the "Last Updated" date at the top of this policy
• Notify you via email if the changes are material
• Post a notice on our website highlighting the changes
• For significant changes, seek your consent where required by law

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

10. Third-Party Links and Services

Our website may contain links to third-party websites or services that are not operated by us. This Privacy Policy does not apply to third-party websites or services. We encourage you to review the privacy policies of any third-party sites you visit.

We are not responsible for the privacy practices or content of third-party websites or services.

11. Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

Privacy Complaints

If you have a complaint about how we handle your personal information, please contact us first. We are committed to working with you to resolve any privacy concerns.

If you are not satisfied with our response, you may also contact the Office of the Privacy Commissioner of Canada:

• Website: www.priv.gc.ca
• Phone: 1-800-282-1376
• Email: [email protected]

12. Governing Law

This Privacy Policy is governed by and construed in accordance with the laws of Canada and the Province of Ontario. Any disputes arising from this policy will be subject to the exclusive jurisdiction of the courts of Ontario, Canada.