1.Our Commitment and Privacy Officer

1.1. Finanzo is responsible for all personal information under its control. We have designated a Privacy Officer responsible for ensuring compliance with this Policy. You may contact our Privacy Officer at: [email protected] or at our registered business address.

2.Information We Collect

2.1. Personal Information: We may collect personally identifiable information such as your name, email address, and demographic information that you voluntarily provide when registering an account or purchasing our Services.

2.2. Financial Information: We may collect payment data necessary to process your transaction, such as credit card number and security code. All payment data is stored by our third-party payment processor. We recommend reviewing their privacy policy.

2.3. Derived Data: Information automatically collected by our servers when you access the website, such as your IP address, browser type, and operating system.

3. Purpose of Collection and Use of Information

3.1. We identify the purposes for which personal information is collected at or before the time of collection. We collect your information for the following purposes:

a) To create and manage your user account.
b) To provide and deliver the Services you request.
c) To process payments and refunds.
d) To communicate with you regarding your account or our Services.
e) To improve our website and the quality of our Services.

4.Consent

4.1. We will obtain your consent for the collection, use, or disclosure of personal information, except where inappropriate or not required. By providing us with your personal information to complete a transaction, you consent to its collection and use for that specific purpose.

4.2. You may withdraw your consent at any time, subject to legal or contractual restrictions and reasonable prior notice.

5.Disclosure Regarding the Use of Artificial Intelligence

5.1. Some of our Services may use artificial intelligence (AI) tools to provide educational analysis, summaries, or illustrative financial scenarios based on the data you enter. These tools are strictly for educational purposes. Information you enter into these tools may be processed by the AI system to generate a response. We do not use AI to make automated decisions that have a legal or similarly significant effect on you.

6.Disclosure to Third Parties

6.1. We do not sell, trade, or transfer your personally identifiable information to third parties, except to trusted providers who assist us in operating our website, managing our business, or delivering services, provided that such third parties agree to keep the information confidential. These may include:

a) Payment processors (for example, Stripe, PayPal).
b) Customer Relationship Management (CRM) systems.
c) Email marketing services.

7.International Data Transfers

7.1. Your information may be stored and processed in any country where we have facilities or where we engage service providers, including the United States. By using our Services, you consent to the transfer of information to countries outside your country of residence, including the United States, whose data protection laws may differ from those of Canada. While such information is outside Canada, it will be subject to the laws of the country in which it is located and may be disclosed to governments, courts, or law enforcement or regulatory agencies of that country in accordance with its laws.

8.Data Retention and Security

8.1. We will retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, or as required by law. When no longer required, your personal information will be securely destroyed or anonymized.

8.2. We have implemented administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, use, alteration, and disclosure.

9.Your Rights: Access and Correction

9.1. Upon written request, we will inform you of the existence, use, and disclosure of your personal information and provide you with access to it. You have the right to challenge the accuracy and completeness of the information and request corrections where appropriate.

10.Consent for Recording Educational Sessions

This section applies to all participants in live educational programs, classes, workshops, or group mentorship sessions facilitated by Finanzo.

10.1. By registering for and participating in educational programs, classes, workshops, or live group mentorship sessions (“Sessions”), you provide your express and informed consent for Finanzo to record such Sessions. You acknowledge that recording the Sessions is a condition of participation in their live interactive format.

10.2. Purpose and Strictly Limited Use. Recordings are made solely and exclusively for the purpose of making them available to participants enrolled in the same program or course through Finanzo’s educational platform so they may review the content. Recordings will not be sold, publicly distributed, or used for external commercial, advertising, or marketing purposes without obtaining additional, specific, written consent from participants whose personal information is visible.

10.3. Capture of Personal Information. You acknowledge and agree that your active participation in the Sessions may result in the capture of your personal information, including without limitation your name, image (video), voice (audio), and any content, comments, or questions you share. To protect your privacy, you are advised not to disclose sensitive or confidential personal information (such as specific financial data, health information, or similar matters) during group Sessions.

10.4. Participant Content License. To the extent that your interventions, questions, or comments during a Session contain intellectual property, you grant Finanzo a perpetual, irrevocable, worldwide, royalty-free, and non-exclusive license to use, reproduce, and display such contributions solely as an integral part of the Session recording and exclusively for the internal educational purposes described herein.

10.5. Participation Options and Privacy Inquiries. Finanzo will implement reasonable technical and organizational measures to protect participant privacy. If you have concerns regarding recording, you may choose to participate in the Sessions with your video camera turned off and/or by using a username that does not directly identify you. For any specific inquiries regarding the handling of your personal information in recordings, you may contact Finanzo’s Privacy Officer through the channels set out in this Policy.