Privacy Policy

At celestinarionex, we're committed to protecting your privacy and being transparent about how we collect, use, and safeguard your personal information. This privacy policy explains our practices regarding your data when you use our budgeting skills platform and financial education services.

We believe that understanding your finances shouldn't come at the cost of your privacy. That's why we've designed our data practices to be clear, fair, and focused on providing you with the best possible learning experience while keeping your information secure.

Personal Information

When you create an account or use our services, we collect information that you voluntarily provide to us:

• Name and email address for account creation
• Financial goals and budgeting preferences
• Learning progress and course completion data
• Communication preferences and feedback
• Payment information for premium services (processed securely through third-party processors)

Usage Information

We automatically collect certain information about how you interact with our platform:

• Pages visited and time spent on our platform
• Device information including browser type and operating system
• IP address and general location information
• Session duration and interaction patterns

Cookies and Tracking

We use cookies and similar technologies to enhance your experience and analyze platform usage. These help us remember your preferences, keep you logged in, and understand which content is most helpful to our users.

Your information helps us provide better financial education and budgeting resources. Here's how we use it:

Purpose	Data Used	Legal Basis
Account management	Name, email, login credentials	Contract performance
Personalized learning	Progress data, preferences	Legitimate interest
Communication	Email, communication preferences	Consent
Platform improvement	Usage analytics, feedback	Legitimate interest
Payment processing	Payment information	Contract performance

We never sell your personal information to third parties. Your data is used solely to improve your learning experience and provide the financial education services you've requested.

We share your information only in limited circumstances and always with your privacy in mind:

We maintain strict data sharing agreements with all partners and regularly audit their security practices to ensure your information remains protected.

You have significant control over your personal information. Here are your rights:

To exercise any of these rights, simply contact us using the information provided at the end of this policy. We'll respond to your request within 30 days and verify your identity to protect your privacy.

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction:

• Encryption: All data transmissions are encrypted using industry-standard SSL/TLS protocols
• Access Controls: Strict access controls ensure only authorized personnel can access your information
• Regular Audits: We conduct regular security audits and vulnerability assessments
• Secure Storage: Data is stored in secure, monitored data centers with multiple backup systems
• Employee Training: All staff receive regular privacy and security training
• Incident Response: We have established procedures for detecting and responding to security incidents

We retain your personal information only as long as necessary to provide our services and comply with legal obligations:

• Account Information: Retained while your account is active and for 3 years after closure
• Learning Progress: Kept for 5 years to support your long-term educational goals
• Communication Records: Maintained for 2 years for customer service purposes
• Payment Data: Processed payment information is retained according to financial regulations (typically 7 years)
• Analytics Data: Aggregated, anonymized usage data may be retained indefinitely for platform improvement

When data reaches the end of its retention period, we securely delete or anonymize it. You can request early deletion of your data by contacting us, subject to legal requirements and legitimate business needs.

celestinarionex operates from Canada and primarily serves Canadian users. However, some of our service providers may process data in other countries. When international transfers occur, we ensure adequate protection through:

• Contracts with adequate data protection clauses
• Compliance with recognized international data protection frameworks
• Regular assessments of data protection standards in destination countries
• Implementation of additional safeguards when necessary

We're committed to ensuring that your data receives the same level of protection regardless of where it's processed.

Our services are designed for adults and we do not knowingly collect personal information from children under 13. If we discover that we have inadvertently collected information from a child under 13, we will promptly delete that information.

Parents or guardians who believe their child has provided us with personal information should contact us immediately so we can remove the information and terminate any associated accounts.

We may update this privacy policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you by:

• Posting a notice on our website
• Sending an email to your registered address
• Providing an in-app notification

We encourage you to review this policy periodically. The "Last Updated" date at the top of this policy indicates when the most recent changes were made. Your continued use of our services after any modifications indicates your acceptance of the updated policy.