Privacy Policy
Last Updated: November 15, 2023
At Pemaje Layewo, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial education platform.
1. Information We Collect
We may collect the following types of information:
- Personal identification information (Name, email address, phone number)
- Financial information you choose to provide for analysis purposes
- Demographic information such as age, gender, and location
- Technical data including IP address, browser type, and device information
- Usage data about how you interact with our platform
- Cookie and tracking data as described in our Cookie Policy
2. How We Use Your Information
We use the information we collect for the following purposes:
- To provide and maintain our financial education services
- To personalize your experience and content recommendations
- To process transactions and send related information
- To communicate with you about updates, security alerts, and support messages
- To improve our platform, services, and user experience
- To detect and prevent fraud, abuse, and security issues
- To comply with legal obligations and enforce our terms of service
3. Legal Basis for Processing
We process your personal information based on the following legal grounds:
- Your explicit consent for specific processing activities
- Necessity for the performance of our contract with you
- Compliance with our legal obligations under Canadian law
- Our legitimate interests in improving our services and preventing fraud
4. Data Sharing and Disclosure
We may share your information with:
- Service providers who assist in operating our platform (under strict data protection agreements)
- Legal authorities when required by law or to protect our rights
- Third parties in connection with a merger, acquisition, or sale of assets
- Professional advisors including lawyers and accountants
We never sell your personal information to third parties for marketing purposes.
5. Data Retention
We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Typically, we retain data for 3 years after account termination unless longer retention is required by law.
6. Your Rights
Under Canadian privacy laws, you have the right to:
- Access and receive a copy of your personal information
- Rectify inaccurate or incomplete personal information
- Request erasure of your personal information under certain conditions
- Restrict or object to the processing of your information
- Data portability for transferring your data to another service
- Withdraw consent at any time where we rely on consent to process your information
7. Data Security
We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption, access controls, secure server infrastructure, and regular security assessments.
8. International Data Transfers
Your information may be transferred to and processed in countries other than Canada. We ensure such transfers comply with applicable data protection laws and that appropriate safeguards are in place, including standard contractual clauses where required.
9. Children's Privacy
Our services are not intended for 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 verification of parental consent, we take steps to remove that information from our servers.
10. Changes to This Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. You are advised to review this Privacy Policy periodically for any changes.
11. Contact Us
If you have any questions about this Privacy Policy or our data practices, please contact us at:
Pemaje Layewo Inc.
123 Cyber Finance Ave, Suite 400
Toronto, ON M5J 2S8
Email: privacy@pemaje-layewo.sbs
Phone: +1 4372076093