Privacy Policy

Last Updated: November 15, 2023

At Sidago Kabodu, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, use, and safeguard your data when you use our services.

1. Information We Collect

We may collect the following types of information:

Personal identification information (Name, email address, phone number)
Demographic information (age, gender, location)
Financial information for educational purposes (spending patterns, budget details)
Technical data (IP address, browser type, device information)
Usage data (pages visited, time spent on site, preferences)
Communication records (emails, messages, feedback)

2. How We Use Your Information

We use your information for the following purposes:

To provide and personalize our financial education services
To process transactions and send related information
To communicate with you about updates, security alerts, and support messages
To improve our services and develop new features
To prevent fraud and enhance security
To comply with legal obligations and enforce our terms
To analyze usage patterns and optimize user experience

3. Legal Basis for Processing

We process your personal information based on the following legal grounds:

Your explicit consent for specific purposes
Necessity for the performance of our contract with you
Compliance with our legal obligations
Our legitimate interests in providing and improving our services
Protection of your vital interests or those of another person

4. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Our specific retention periods are:

Account information: Retained for 5 years after account closure
Financial data: Retained for 7 years for tax and legal compliance
Communication records: Retained for 3 years
Usage data: Retained for 2 years for analytics purposes

5. Data Security

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

Encryption of sensitive data in transit and at rest
Regular security assessments and vulnerability testing
Access controls and authentication mechanisms
Employee training on data protection practices
Secure data backup and recovery procedures
Incident response plans for data breaches

6. Your Rights

Depending on your location, you may have the following rights regarding your personal information:

Right to access and receive copies of your data
Right to rectify inaccurate or incomplete information
Right to erasure of your personal data under certain conditions
Right to restrict or object to processing of your data
Right to data portability in a structured, machine-readable format
Right to withdraw consent at any time
Right to lodge a complaint with a supervisory authority

7. Third-Party Disclosures

We may share your information with third parties in the following circumstances:

With service providers who assist in delivering our services
With financial institutions for payment processing
With analytics providers to understand user behavior
With legal authorities when required by law or to protect our rights
With affiliates and partners for business operations
In connection with a business transfer, merger, or acquisition

8. International Data Transfers

Your information may be transferred to and processed in countries other than Canada. We ensure appropriate safeguards are in place for international data transfers, including:

Adequacy decisions by the European Commission
Standard contractual clauses approved by regulatory authorities
Binding corporate rules for intra-organizational transfers
Certification under privacy frameworks like Privacy Shield
Explicit consent for specific transfers

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child without parental consent, we will take steps to remove that information.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website and updating the "Last Updated" date. We encourage you to review this policy periodically.

11. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

Sidago Kabodu
123 Yonge Street
Toronto, ON M5C 1W4, Canada
Email: privacy@sidago-kabodu.sbs
Phone: +1 4374403886