Kubanefro
Kubanefro Personal Budgeting
Certified Instructors

Privacy Policy

Last updated: March 8, 2024

This Privacy Policy describes how Kubanefro ("we", "us", or "our") collects, uses, stores, and shares information about you when you access or use our website at kubanefro.biz and any related services, features, or content (collectively, the "Service"). By using the Service, you acknowledge that you have read and understood this policy.


1. Information We Collect

1.1 Information You Provide Directly

We collect information you provide when you register for an account, enroll in a course, contact us, or otherwise interact with the Service. This may include:

  • Full name and display name
  • Email address
  • Password (stored in hashed form)
  • Billing and payment information
  • Profile information and preferences
  • Communications you send to us
  • Content you submit, such as assignments, forum posts, or feedback

1.2 Information Collected Automatically

When you use the Service, certain information is collected automatically through cookies, log files, and similar technologies, including:

  • IP address and approximate geographic location
  • Browser type and version
  • Operating system
  • Referring URLs and pages visited
  • Date and time of access
  • Device identifiers
  • Session duration and interaction data

1.3 Information from Third Parties

We may receive information about you from third-party services if you choose to connect them to your account, such as single sign-on providers or payment processors. We handle such information in accordance with this policy.


2. How We Use Your Information

We use the information we collect for the following purposes:

  • To create and manage your account
  • To deliver and personalise the Service, including learning paths and course recommendations
  • To process transactions and send related documentation
  • To communicate with you about your account, updates, and support requests
  • To send promotional or educational communications where you have opted in
  • To analyse usage patterns and improve the Service
  • To detect, investigate, and prevent fraudulent or unauthorised activity
  • To comply with applicable legal obligations

3. Legal Bases for Processing

We process your personal information on one or more of the following legal bases:

  • Contract performance: processing necessary to fulfil our agreement with you to provide the Service
  • Legitimate interests: processing that serves our reasonable business interests, such as security, fraud prevention, and service improvement, provided those interests are not overridden by your rights
  • Consent: where you have given clear consent for a specific purpose, such as receiving marketing communications
  • Legal obligation: processing required to comply with applicable law

4. Cookies and Tracking Technologies

4.1 Types of Cookies We Use

Category Purpose
Essential Required for core functionality such as authentication and session management
Functional Remember your preferences and personalisation settings
Analytics Collect aggregated data about how the Service is used to support improvements
Marketing Track visits across websites to deliver relevant advertising where applicable

4.2 Your Cookie Choices

You may control cookies through your browser settings. Disabling certain cookies may affect the functionality of the Service. Where required by applicable law, we will obtain your consent before placing non-essential cookies.


5. Sharing of Information

We do not sell your personal information. We may share your information in the following circumstances:

5.1 Service Providers

We engage trusted third-party vendors to support the operation of the Service, including hosting providers, payment processors, email delivery services, analytics platforms, and customer support tools. These parties access your information only as necessary to perform their services and are bound by confidentiality obligations.

5.2 Instructors and Collaborators

If you enrol in a session hosted by an instructor on the platform, that instructor may have access to information relevant to your participation, such as your name, progress, and submitted work.

5.3 Business Transfers

If we are involved in a merger, acquisition, reorganisation, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change and any new privacy terms that apply.

5.4 Legal Requirements

We may disclose your information if required to do so by law or in response to valid legal process, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.


6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide the Service. We also retain information to comply with legal obligations, resolve disputes, and enforce our agreements. When data is no longer required, we delete or anonymise it using reasonable measures. You may request deletion of your account and associated data at any time by contacting us at [email protected].


7. Data Security

We implement appropriate technical and organisational measures to protect your information against unauthorised access, loss, alteration, or disclosure. These measures include encryption in transit and at rest, access controls, and regular security reviews. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.


8. International Data Transfers

We operate internationally and your information may be transferred to and processed in countries other than your country of residence. Where such transfers occur, we take steps to ensure that your information receives an adequate level of protection in accordance with this policy and applicable law.


9. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information, which may include:

  • Access: the right to request a copy of the information we hold about you
  • Correction: the right to request correction of inaccurate or incomplete information
  • Deletion: the right to request deletion of your personal information, subject to certain exceptions
  • Portability: the right to receive your information in a structured, machine-readable format
  • Objection: the right to object to certain types of processing, including processing for direct marketing
  • Restriction: the right to request that we limit how we process your information in certain circumstances
  • Withdrawal of consent: where processing is based on consent, the right to withdraw that consent at any time

To exercise any of these rights, please contact us at [email protected]. We will respond within a reasonable timeframe. We may need to verify your identity before fulfilling a request.


10. Children's Privacy

The Service is not directed to children under the age of 16. We do not knowingly collect personal information from children under 16. If you believe a child has provided us with personal information without appropriate consent, please contact us and we will take steps to delete that information.


11. Third-Party Links and Services

The Service may contain links to third-party websites, tools, or resources. We are not responsible for the privacy practices of those third parties. We encourage you to review the privacy policies of any third-party services you access through our platform.


12. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will notify you by posting the updated policy on this page with a revised "Last updated" date. Where appropriate, we may also provide additional notice, such as an in-app notification or email. Your continued use of the Service after the effective date of any changes constitutes acceptance of the revised policy.


13. Contact Us

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

  • Company: Kubanefro
  • Address: 141 Reach St, Uxbridge, ON L9P 1L3, Canada
  • Email: [email protected]
  • Phone: +1 780 992 6013
  • Website: kubanefro.biz