Privacy Policy

Information We Collect

When you use Pledgetx, we gather different types of information depending on how you interact with us. Here's what we collect and why.

Information You Give Us Directly

This includes data you provide when signing up, enrolling in programs, or contacting support:

• Your name and email address when creating an account
• Payment information when you enroll in courses (we don't store full card details — our payment processor handles that)
• Profile details like your educational background and investment interests
• Messages you send through contact forms or support channels
• Survey responses and feedback you choose to share

Information We Collect Automatically

Like most websites, we automatically collect some technical data when you visit:

• Your IP address and general location (city level, not your exact address)
• Browser type, device information, and operating system
• Pages you visit on our site and how long you spend on them
• Links you click and features you use
• Date and time stamps of your visits

We use cookies and similar tracking technologies for this. You can control cookie settings in your browser, though some features might not work as smoothly if you disable them entirely.

Educational Progress Data

As you work through our courses, we track your progress:

• Which lessons you've completed and when
• Quiz scores and assignment submissions
• Time spent on different learning modules
• Notes or bookmarks you create within the platform

This helps us personalize your learning experience and show you where you left off.

How We Use Your Information

We're not in the business of selling your data. Everything we collect serves a specific purpose related to running our education platform.

Sharing Your Information

We keep your data within our organization whenever possible. But there are a few situations where we share information with third parties.

Service Providers We Work With

Some essential functions require specialized services:

• Payment processors: Stripe and similar services handle transactions securely. They follow PCI compliance standards.
• Email service: We use an email platform to send course updates and communications. They can't use your email for their own purposes.
• Cloud hosting: Our platform runs on secure cloud infrastructure based in Canada.
• Analytics tools: We use privacy-focused analytics to understand how people use the site without tracking individuals across the web.

All these providers are bound by contracts that limit how they can use your data. They're only allowed to process information as needed to provide their specific service.

Legal Requirements

Sometimes we're legally required to disclose information — for example, if served with a valid court order or subpoena. We'll always review such requests carefully and only provide what's legally required.

Business Transfers

If Pledgetx is acquired or merges with another company, your information would transfer as part of that transaction. We'd notify you beforehand and ensure the new owner respects this privacy policy.

Your Rights Under Canadian Law

PIPEDA gives you specific rights regarding your personal information. Here's what you can do and how to exercise these rights.

Access Your Data

You can request a copy of all personal information we hold about you. We'll provide this within 30 days, typically as a downloadable file. There's no charge for the first request in a calendar year.

Correct Inaccurate Information

If something in your profile is wrong, you can update most details yourself through account settings. For things you can't change directly, send us a correction request and we'll handle it promptly.

Delete Your Account

You can request full account deletion at any time. We'll remove your personal information within 30 days, though we may retain some data if required by law (like financial records for tax purposes).

After deletion, you won't be able to access your courses or certificates. Make sure to download anything you want to keep before requesting deletion.

Withdraw Consent

If you've opted into marketing emails or other optional communications, you can withdraw consent anytime by clicking unsubscribe or adjusting your preferences in account settings.

Data Security Measures

We take reasonable precautions to protect your information from unauthorized access or disclosure.

Technical Safeguards

• All data transmission uses industry-standard encryption (TLS 1.3)
• Passwords are hashed and salted — we never store them in plain text
• Our databases are encrypted at rest and backed up regularly
• Access to user data is restricted to essential staff only
• We monitor systems for unusual activity and potential security threats

Organizational Practices

• Staff members who handle personal data receive privacy training
• We maintain a data breach response plan and would notify affected users within 72 hours of discovering any breach
• Regular security audits help identify and fix vulnerabilities
• We follow the principle of data minimization — only collecting what we actually need

No system is 100% secure, but we're committed to maintaining strong defenses and responding quickly if issues arise.

Data Retention

We don't keep your information longer than necessary. Here's how long different types of data stick around:

• Active account data: Retained as long as your account remains open
• Course progress and certificates: Kept for 7 years after course completion (this helps if you need proof of completion down the road)
• Payment records: Retained for 7 years as required by Canadian tax law
• Support conversations: Kept for 3 years to help with ongoing support issues
• Marketing consent records: Maintained as long as you're subscribed, plus 2 years after unsubscribing (to ensure we don't accidentally re-add you)
• Website analytics: Anonymized after 26 months

After these periods, we securely delete data unless we're legally required to retain it longer.

Children's Privacy

Our platform is designed for adults interested in investment theory. We don't knowingly collect information from anyone under 16.

If you're under 16, please don't create an account or submit personal information. If we discover we've accidentally collected data from someone under 16, we'll delete it promptly.

Parents who believe their child has provided us with information should contact us immediately at [email protected].

International Users

Pledgetx operates primarily in Canada, and our servers are located here. If you're accessing our platform from outside Canada, your information will be transferred to and processed in Canada.

Canada is recognized by the European Commission as providing adequate data protection. If you're in the EU or UK and have concerns about this, contact us to discuss specific protections.

For users in California, you have additional rights under CCPA. We treat all users with the same respect for privacy, so the rights described earlier in this policy effectively extend to California residents as well.

Cookies and Tracking

We use cookies — small text files stored on your device — to make the site work properly and remember your preferences.

Essential Cookies

These are necessary for the platform to function. They handle things like keeping you logged in and remembering what's in your course cart. You can't disable these without breaking core functionality.

Analytics Cookies

We use these to understand how people navigate the site and which content is most useful. The data is anonymized and aggregated — we're not tracking individual users across the web.

Preference Cookies

These remember settings like your preferred language or whether you've dismissed certain notifications.

You can manage cookie preferences through your browser settings. Most browsers let you block or delete cookies, though this might affect your experience on the site.

Changes to This Policy

We review and update this privacy policy periodically as our practices evolve or regulations change.

When we make significant changes, we'll notify you by email (to the address on your account) and display a notice on the site. Minor updates — like clarifying existing practices — might not trigger notifications, but we'll always update the "Last Updated" date at the top of this page.

Continuing to use Pledgetx after changes take effect means you accept the updated policy. If you disagree with changes, you can close your account before they become effective.